EN DE
Check 35,000+ stocks against 26 valuation models and 37 quality factors
Data-driven stock valuation

Getin Holding SA (GTN) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Getin Holding SA PLN 0.41, price PLN 0.30, upside +36.2%, quality 52 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · PL · ISIN PLGSPR000014

GH Thin data Sep 24, 2026

Getin Holding SA

GTN · WAR

UndervaluedThe stock appears undervalued with acceptable quality.

✓Fair value 0.4100 PLN · Undervalued (+36%)
!Quality 52/100
!Weak Growth
!Loss-making · -109.5% net margin (TTM)
!Moderate debt · negative free cash flow
!Trails peers (2/10)
!Narrow moat 17/100
!Evidence only low, so the estimate is less certain
Watch Getin Holding SA for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card. Watch for free Pro now: $1 first month

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

1.11 PLN 0.2638 PLN Fair Value 0.4100 PLN Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range 0.2638 PLN – 1.11 PLN · fair‑value band 0.1800 PLN – 0.5100 PLN · the 0.3010 PLN price screens below the 0.4100 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 24, 2026.

Follow Getin Holding in your weekly email

Every Wednesday you see whether Getin Holding is on track or worth a review, plus price against fair value. Free, up to 3 stocks.

We send you a confirmation link. Unsubscribe with one click.

Which stocks are undervalued right now? Check free Discover now →

Company profile

Getin Holding S.A., a financial holding company, engages in investment activities in Poland and internationally. The company operates in the fields of banking, financial intermediation, insurance, and leasing sectors.

Show more

Getin Holding S.A., a financial holding company, engages in investment activities in Poland and internationally. The company operates in the fields of banking, financial intermediation, insurance, and leasing sectors. It also accepts deposits; and offers loans and advances, and guarantees and sureties, as well as legal, debt collection, and advisory services. In addition, the company provides cash, car, mortgage, and consumer loans; credit cards; financing services for light and heavy vehicles, as well as medical equipment; and payment cards. It serves small and medium-sized enterprises, and individual clients. The company was formerly known as Getin Service Provider S.A. and changed its name to Getin Holding S.A. in July 2003. Getin Holding S.A. was incorporated in 1996 and is headquartered in Wroclaw, Poland.

Stock analysis

Getin Holding SA (GTN) currently trades at 0.3010 PLN, while our model-based Fair Value estimate is 0.4100 PLN, implying the stock looks roughly 26.6% undervalued today.

Show more

Valuation

Bull case: the DCF Models group reads highest at a median of 1.09 PLN per share, and 1 of the 3 models we run sit above the 0.3010 PLN price.

Bear case: the Multiples group reads lowest at 0.1700 PLN, and 2 of the 3 models stay below the price. Evidence for this calculation is low.

Scenario range: 0.1800 PLN (bear) to 0.5100 PLN (bull), the price of 0.3010 PLN 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 52/100 (solid quality), in the Financial Services sector.

Weak Growth: Revenue growth is weak, negative or inconsistent.

Getin Holding SA reported revenue of 5.1M PLN in FY2025 versus 231M PLN in FY2021, a compound −61.5%/yr. Reported net income was −1.9M PLN in FY2025.

Key figures

Market cap 70.0M PLN (≈ $18.2M) · P/E ratio 15.1 · P/S ratio 21.3 · EPS (TTM) 0.0200 PLN · Net margin −37.8% · Return on equity −3.1% · Return on assets (EBIT) −1.8% · Operating margin −538%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).

What moves the price

The share trades about 52% below its 52-week high and 10% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 36%, GTN screens cheaper than that median.

Fair Value models

Bear 0.1800 PLN Fair Value 0.4100 PLN Bull 0.5100 PLN
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (0.0146 PLN 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. Evidence ⓘEvidence = 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.
Highest evidence
Owner Earnings 0.3600 PLN 1.09 PLN 2.56 PLN 66
EV/EBITDA 0.0700 PLN 0.1700 PLN 0.2700 PLN 63
NCAV (Graham) 0.1500 PLN 0.2000 PLN 0.3000 PLN 54
All 3 models by family
DCF Models
Owner Earnings 0.3600 PLN 1.09 PLN 2.56 PLN 66
Multiples
EV/EBITDA 0.0700 PLN 0.1700 PLN 0.2700 PLN 63
Asset-Based
NCAV (Graham) 0.1500 PLN 0.2000 PLN 0.3000 PLN 54

Open the full fair value analysis →

Notify me when GTN reaches fair value

Put GTN on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.

Set up alert →

Quality Score breakdown

Overall quality 52/100

Of which business quality 49 · Market factors (momentum, volatility) 25

Profitability 6
Margins and returns on capital today
Quality Growth 50
Are margins and returns improving?
Cashflow 33
Earnings quality: real cash, not paper profit
Fin. Strength 57
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 66
Calm price path (market factor)
Momentum 10
Price trend over the last 3–12 months (market factor)
52W Momentum 4
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

Open the full quality analysis →

Revenue & earnings trend

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. 0/100
Revenue growth is weak, negative or inconsistent.
Profit margin (trend) ⓘ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.
8.1% (2019) → −37.6% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

Watch GTN, get fair value alerts →

Compare Getin Holding SA with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

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.Banks - Regional · 1074 stocks

Beats the industry median on 2/9 measures
Overall it trails its industry peers.
Valuation
Quality Score 51 · Below median
Fair Value upside +36% · Top 25%
Profitability
Return on assets −1% · Bottom 25%
Net margin (TTM) −109% · Bottom 25%
Growth and dividend
Revenue growth −90% · Bottom 25%
Balance sheet
Debt / equity 0.82× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 15.1× · Pricier than median
P/B 0.32× · Cheapest 25%
P/S (TTM) 5.53× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)82 · sector 11
FUTURE (revenue growth)0 · sector 45
PAST (return on equity)0 · sector 41
HEALTH (low debt)59 · sector 85
DIVIDEND (yield)0 · sector 53

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
BNP Paribas SA BNP €101.30 €105.99 +5%
UniCredit S.p.A UCG €83.28 €77.62 −7%
Mizuho Financial Group MFG $10.87 $6.75 −38%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $227.96 $159.52 −30%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend Stocks

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

🥇 Backtested Best 🏆 Big Names ⭐ Top Rated 💎 Quality on Sale 🚀 Profitable Growth 🧊 Quality Compounders 💵 Dividend Stars 📈 Strong Momentum 📉 Fallen Angels ⚖️ Deeply Undervalued 🔍 Small-Cap Gems 🏰 Moat at a Fair Price 💼 Insider Buying 🎩 Buffett-Style Quality 📚 Peter Lynch GARP 🧮 Greenblatt Magic Formula 🛡️ Graham Defensive

Discover tools

Stock screenerFilter by region, size and sector Compare toolTwo stocks side by side Extrinsic Value Calculator…Calculator with industry benchmark Peter Lynch Fair Value Formula &…Calculator with industry benchmark
Run the numbers yourself: free valuation calculators
DCF CalculatorGraham NumberPeter Lynch FormulaDDM CalculatorFama-French ModelIntrinsic Value
For bloggers & editors: embed code + live data

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.

Getin Holding SA · Fair Value
0.4100 PLN +27%Fair Value
Calculator →

Cite: Fair Value Calculator (2026). "Getin Holding SA Fair Value". https://www.fairvalue-calculator.com/stock/GTN

Frequently asked questions

Is Getin Holding SA (GTN) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 0.4100 PLN versus a price of 0.3010 PLN, about +36% upside (undervalued).
What is the fair value of GTN?
Our model-based fair value for Getin Holding SA is 0.4100 PLN (as of Sep 24, 2026), built from audited fundamentals. The current price: 0.3010 PLN.
What is the quality score of GTN?
Getin Holding SA has a Quality Score of 52/100. 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 Getin Holding SA (GTN)?
Our model-based price target is the fair value of 0.4100 PLN (as of Sep 24, 2026) from 3 valuation models. Cautious scenario 0.1800 PLN, optimistic scenario 0.5100 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Getin Holding SA stock forecast for 2026?
Our models put fair value at 0.4100 PLN, about +36% upside versus a price of 0.3010 PLN (undervalued). Cautious scenario 0.1800 PLN, optimistic scenario 0.5100 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Getin Holding SA (GTN)?
Getin Holding SA reported trailing-twelve-month revenue of about 3.3M PLN (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Getin Holding SA (GTN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Getin Holding SA it is 0.4100 PLN per share (as of Sep 24, 2026), against a price of 0.3010 PLN. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Getin Holding SA stock overvalued or undervalued in 2026?
As of Sep 24, 2026, GTN trades below its calculated fair value: price 0.3010 PLN, fair value 0.4100 PLN, a gap of about +36% (undervalued). 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 GTN?
No. The price is what the market pays today (0.3010 PLN); the fair value is what the company's own numbers justify (0.4100 PLN). For Getin Holding SA the two are 0.1090 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Getin Holding SA worth?
The market values Getin Holding SA at about 70.0M PLN (market capitalisation, as of Sep 24, 2026). Per share that is 0.3010 PLN; our models calculate a fair value of 0.4100 PLN per share.
What do the bullish and bearish scenarios say about GTN?
Our models span a range for Getin Holding SA: cautious scenario 0.1800 PLN, base 0.4100 PLN, optimistic 0.5100 PLN per share (as of Sep 24, 2026, price 0.3010 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of GTN?
Getin Holding SA trades at a price-to-earnings ratio of 15.1 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 0.4100 PLN is built from several models across several years. Other multiples: P/B 0.3, P/S 5.5.
How solid is the balance sheet of Getin Holding SA (GTN)?
Balance-sheet figures for Getin Holding SA (as of Sep 24, 2026): return on equity −3.1%, debt of 0.82 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is GTN from its 52-week high?
Getin Holding SA trades at 0.3010 PLN, about 52% below its 52-week high of 0.6330 PLN and 10% above the low of 0.2740 PLN (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 0.4100 PLN is for.
Which stocks are comparable to Getin Holding SA?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Getin Holding SA stock attractive at the current price?
The data as of Sep 24, 2026: price 0.3010 PLN, calculated fair value 0.4100 PLN (+36%), Quality Score 52/100, from 3 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 GTN calculated?
We run Getin Holding SA through 3 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 0.4100 PLN, 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 14.1 % above its aggregate fair value. Getin Holding SA currently trades 36 % below its own fair value, and the market average says nothing about that. 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 Getin Holding SA (GTN)?
The closing price on Sep 23, 2026 was 0.3010 PLN. Our model-based fair value is 0.4100 PLN, about +36% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Getin Holding SA right now?
The model range is unusually wide (0.1800 PLN to 0.5100 PLN). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (52/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Getin Holding SA (GTN) come from?
Earnings per share at Getin Holding SA grew −9.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share −25.9 %, EBIT margin −3.8 %, tax rate −2.0 %, residual (interest, one-offs) +29.5 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Getin Holding SA

How large is the market capitalisation of Getin Holding SA (GTN)?
The market capitalisation of Getin Holding SA is 70.0M PLN (≈ $18.2M). 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 Getin Holding SA (GTN)?
The price-to-sales ratio of Getin Holding SA is 21.3 (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 Getin Holding SA (GTN)?
Earnings per share at Getin Holding SA are 0.0200 PLN (price ÷ EPS = P/E 15.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Getin Holding SA (GTN)?
The net margin of Getin Holding SA is −37.8% (fiscal year 2025). 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 Getin Holding SA (GTN)?
The return on equity (ROE) of Getin Holding SA is −3.1% (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 Getin Holding SA (GTN)?
On an EBIT basis the return on assets of Getin Holding SA is −1.8% (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 Getin Holding SA (GTN)?
The operating margin of Getin Holding SA is −538% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Getin Holding SA (GTN)?
Revenue at Getin Holding SA is growing −90.1% versus a year earlier. 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 Getin Holding SA (GTN)?
Earnings per share at Getin Holding SA are growing +150% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Getin Holding SA (GTN) generate?
The free cash flow of Getin Holding SA is −4.5M PLN (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Getin Holding SA (GTN) hold?
Getin Holding SA holds more cash than debt, 1.7M PLN net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
Free · no account needed

Watch Getin Holding SA in the live analysis

One click puts Getin Holding SA on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.

Watch for free →

Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.