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FON SE (FON) Fair Value & Analysis

Financial Services · PL · Market cap 11.4M PLN

Price1.72 PLN
Fair Value0.8700 PLN
Upside-49.4%
Quality92/100
Evidence: High Range 0.6500 PLN – 1.09 PLN

Fair value as of: Jun 26, 2026

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Analysis

FON SE (FON) currently trades at 1.72 PLN, while our model-based Fair Value estimate is 0.8700 PLN — implying the stock looks roughly 49.4% overvalued today. We read business quality at 92/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

FON SE provides financial services in Estonia and Poland. The company grants loans for retail customers and small businesses. It is also involved in the capital investment activities. FON SE is based in Tallinn, Estonia.

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Frequently asked questions

Is FON SE (FON) undervalued?
As of Jun 26, 2026, our model estimates a fair value of 0.8700 PLN versus a price of 1.72 PLN — about −49% (overvalued). Model-based estimate, not financial advice.
What is the fair value of FON?
Our 21-model fair value for FON SE is 0.8700 PLN (as of Jun 26, 2026), built from audited fundamentals. The current price is 1.72 PLN.
What is the quality score of FON?
FON SE has a Quality Score of 92/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.