Groupe JAJ (GJAJ) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Groupe JAJ stock €1.09, price €1.24, that is 12.3% below the price, quality 53 out of 100. Rating: overvalued. Calculated from audited financials with 20 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
60‑month range €0.6000 – €2.18 · fair‑value band €0.7990 – €1.81 · the €1.24 price screens above the €1.09 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
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Groupe JAJ engages in the manufacturing and import of clothing products. It offers clothing products of the SCHOTT brand. The company was formerly known as JAJ Distribution. The company is headquartered in Montreuil, France.
Stock analysis
Groupe JAJ (GJAJ) currently trades at €1.24, while our model-based Fair Value estimate is €1.09, 12% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of €2.65 per share, and 16 of the 20 models we run sit above the €1.24 price.
Bear case: the Growth DCF group reads lowest at €0.3100, and 4 of the 20 models stay below the price. Data coverage for this calculation is medium.
Scenario range: €0.7990 (bear) to €1.81 (bull), the price of €1.24 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 53/100 (solid quality), in the Consumer Cyclical sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Groupe JAJ reported revenue of €33.2M in FY2026 versus €24.2M in FY2022, a compound +8.3%/yr. Reported net income was €566K in FY2026, compounding +23.5%/yr from FY2022.
Key figures
Market cap €4.4M Micro · P/E ratio 7.8 · P/S ratio 0.13 · EPS (TTM) €0.1600 · Net margin 1.7% · Return on equity 8.4% · Return on assets (EBIT) 3.1% (5-year average) · Operating margin 2.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 31 out of 100 (low confidence).
What moves the price
The share trades about 17% below its 52-week high and 39% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at −7% fair-value upside, at −12%, GJAJ screens richer than that median.
Fair Value models
Bear€0.7990Fair Value €1.09Bull€1.81
Price €1.24 · Downside -12.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then (€0.0978 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
FCF DCFn/a€0.2900€0.870077
Growth DCFn/a€0.3100€0.830075
EPV€0.9400€1.26€1.5374
All 20 models by family
DCF Models
FCF DCFn/a€0.2900€0.870077
5Y Revenue Exit€0.5600€1.41€2.5968
5Y EBITDA Exit€0.6000€1.48€2.5871
5Y P/E Exit€0.8200€1.87€3.0368
10Y Revenue Exit€0.2700€0.9800€1.8362
10Y EBITDA Exit€0.3400€1.02€1.8264
10Y P/E Exit€0.4800€1.28€2.1361
Earnings-Based
Graham-Dodd€1.08€1.98€2.4566
EPV€0.9400€1.26€1.5374
Multiples
P/E Multiple€2.62€3.50€4.3763
P/S Multiple€2.03€2.70€3.3858
P/B Multiple€1.51€2.02€2.5255
EV/EBIT€2.02€3.01€4.0065
EV/EBITDA€1.27€2.01€2.7466
EV/Revenue€1.06€1.92€2.7752
Asset-Based
NCAV (Graham)€1.10€1.66€2.0854
Growth DCF
Growth DCFn/a€0.3100€0.830075
Economic Profit
Residual Income€1.66€1.79€2.0071
ROIC Compounder€0.9400€1.26€1.5372
Growth Earnings
Growth-Adj P/E€1.86€2.65€3.4567
The fair value above starts from this blend and is adjusted for dilution from new shares.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.71/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+15.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.6%
Start year 2021 (pandemic). Over 10 years: +5.1% a year
Revenue growth 21 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−3.9%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
≈ +37.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+37.1%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−15.0% vs 5.6%, slowing
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.1% → 2%
Pace: the 5-year rate starts in 2021 (pandemic)
⚠ Rate on operating basis: 2026 sits 65% above its own trend.
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+22.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (euro area: IMF forecast 2.2% a year to 2030, 2.6% from 2016 to 2025) that is about +19.9% a year for the price.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Apparel Manufacturing · 213 stocks
Beats the industry median on 5/14 measures
Overall it trails its industry peers.
Valuation
Quality Score53 · Below median
Fair Value upside−12.3% · Below median
Profitability
Return on equity (12 months)8.4% · Above median
Return on assets2.2% · Below median
Net margin (12 months)1.7% · Below median
Operating margin (12 months)2.7% · Below median
Growth and dividend
Revenue growth (quarter YoY)8.2% · Above median
Balance sheet
Debt / equity0.49× · Highest 25%
Valuation Multiplesvs Apparel Manufacturing median · lower = cheaper
P/E (12 months)7.8× · Cheapest 25%
P/B0.63× · Cheaper than median
P/S (12 months)0.13× · Cheapest 25%
Price / free cash flow (fiscal year)22.3× · Pricier than median
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Groupe JAJ Fair Value". https://www.fairvalue-calculator.com/stock/GJAJ
Frequently asked questions
Is Groupe JAJ (GJAJ) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of €1.09 versus a price of €1.24, about 12% lower (overvalued).
What is the fair value of GJAJ?
Our model-based fair value for Groupe JAJ is €1.09 (as of Nov 5, 2026), built from audited fundamentals. The current price: €1.24.
What is the quality score of GJAJ?
Groupe JAJ has a Quality Score of 53/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Groupe JAJ (GJAJ)?
Our model-based price target is the fair value of €1.09 (as of Nov 5, 2026) from 20 valuation models. Cautious scenario €0.7990, optimistic scenario €1.81. It is a calculation from audited fundamentals, not an analyst target.
What is the Groupe JAJ stock forecast for 2026?
Our models put fair value at €1.09, about 12% lower versus a price of €1.24 (overvalued). Cautious scenario €0.7990, optimistic scenario €1.81. The calculation is refreshed regularly with new filings.
What is the revenue of Groupe JAJ (GJAJ)?
Groupe JAJ reported trailing-twelve-month revenue of about €33.2M (latest available figure, as of Nov 5, 2026).
What growth is priced into Groupe JAJ (GJAJ)?
For today's price to be fair in a discounted-cash-flow model, Groupe JAJ would have to grow free cash flow by +22.5 % per year for five years (discount rate 9.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +11.6 % per year. As of Nov 5, 2026.
What discount rate (WACC) does the fair value of GJAJ use?
Our models discount Groupe JAJ at 9.0 %: a base by market capitalisation (nano), damped by beta 0.22, country premium for France. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Groupe JAJ that is +22.5 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (9.0 %) and the same formula as our fair value.
How much growth has Groupe JAJ (GJAJ) delivered so far?
Over the past 5 years revenue at Groupe JAJ grew +11.6 % a year. The price currently implies free-cash-flow growth of +22.5 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Groupe JAJ (GJAJ) growing?
The median revenue growth in the sector is +4.7 % a year. That is the yardstick for the growth priced into Groupe JAJ (+22.5 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Groupe JAJ (GJAJ)?
The free-cash-flow yield on the price is 4.49 %: that much free cash flow Groupe JAJ produces per unit of market value. When it exceeds the discount rate of our models (9.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Groupe JAJ (GJAJ)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Groupe JAJ it is €1.09 per share (as of Nov 5, 2026), against a price of €1.24. It is the blended result of 20 valuation models in 7 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings).
Is Groupe JAJ stock overvalued or undervalued in 2026?
As of Nov 5, 2026, GJAJ trades above its calculated fair value: price €1.24, fair value €1.09, a gap of about −12% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of GJAJ?
No. The price is what the market pays today (€1.24); the fair value is what the company's own numbers justify (€1.09). For Groupe JAJ the two are €0.1520 per share apart. That gap is exactly why we show both numbers side by side.
How much is Groupe JAJ worth?
The market values Groupe JAJ at about €4.4M (market capitalisation, as of Nov 5, 2026). Per share that is €1.24; our models calculate a fair value of €1.09 per share.
What do the bullish and bearish scenarios say about GJAJ?
Our models span a range for Groupe JAJ: cautious scenario €0.7990, base €1.09, optimistic €1.81 per share (as of Nov 5, 2026, price €1.24). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of GJAJ?
Groupe JAJ trades at a price-to-earnings ratio of 7.8 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €1.09 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2017 to 2026), reported earnings: 13.7. Other multiples: PEG 3.9, P/B 0.6, P/S 0.1, EV/EBITDA 8.9.
What is the PEG ratio of GJAJ?
The PEG ratio of Groupe JAJ is 3.94 (P/E divided by earnings growth, as of Nov 5, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Groupe JAJ (GJAJ)?
Balance-sheet figures for Groupe JAJ (as of Nov 5, 2026): return on equity 8.4%, debt of 0.49 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is GJAJ from its 52-week high?
Groupe JAJ trades at €1.24, about 17% below its 52-week high of €1.50 and 39% above the low of €0.8950 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of €1.09 is for.
Which stocks are comparable to Groupe JAJ?
From the same area (Consumer Cyclical) we also value Ralph Lauren Corporation, Moncler S.p.A, LPP SA, Levi Strauss & Co, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Groupe JAJ stock attractive at the current price?
The data as of Nov 5, 2026: price €1.24, calculated fair value €1.09 (−12%), Quality Score 53/100, from 20 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of GJAJ calculated?
We run Groupe JAJ through 20 models from 7 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of €1.09 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Groupe JAJ itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Groupe JAJ (GJAJ)?
The closing price on Nov 6, 2026 was €1.24. Our model-based fair value is €1.09, about 12% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Groupe JAJ right now?
Solid but not exceptional quality (53/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (€0.7990 to €1.81) leaves room in how you read the outcome.
Key figures of Groupe JAJ
How large is the market capitalisation of Groupe JAJ (GJAJ)?
The market capitalisation of Groupe JAJ is €4.4M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Groupe JAJ (GJAJ)?
The price-to-sales ratio of Groupe JAJ is 0.13 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Groupe JAJ (GJAJ)?
Earnings per share at Groupe JAJ are €0.1600 (price ÷ EPS = P/E 7.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Groupe JAJ (GJAJ)?
The net margin of Groupe JAJ is 1.7% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Groupe JAJ (GJAJ)?
The return on equity (ROE) of Groupe JAJ is 8.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Groupe JAJ (GJAJ)?
On an EBIT basis the return on assets of Groupe JAJ is 3.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Groupe JAJ (GJAJ)?
The operating margin of Groupe JAJ is 2.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Groupe JAJ (GJAJ)?
Revenue at Groupe JAJ is growing +8.2% versus a year earlier (3y avg +1.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Groupe JAJ (GJAJ)?
Earnings per share at Groupe JAJ are growing +124% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Groupe JAJ (GJAJ) carry?
The net debt of Groupe JAJ is €3.3M (fiscal year 2026, ≈ 16.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Some data
Nov 5, 2026