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Getin Holding (GTN) Fair Value & Analysis

Financial Services · PL · Market cap 95.3M PLN

GH Getin Holding GTN · WAR
Price0.3970 PLN
Fair Value0.4388 PLN
Upside+10.5%
Quality92/100
Evidence: High Range 0.3333 PLN – 0.5499 PLN

Fair value as of: Jun 26, 2026

From 17 valuation models · updated 3 days ago

Share price −22.8% over the past month.

Price vs Fair Value (12 months)

0.8742 PLN 0.3044 PLN Fair Value 0.4388 PLN Jun 2025 Jun 2026

12‑month range 0.3044 PLN – 0.8742 PLN · fair‑value band 0.3333 PLN – 0.5499 PLN · the 0.3970 PLN price screens below the 0.4388 PLN fair value. As of Jun 26, 2026.

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Analysis

Getin Holding (GTN) currently trades at 0.3970 PLN, while our model-based Fair Value estimate is 0.4388 PLN — implying the stock looks roughly 10.5% undervalued today. We read business quality at 92/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

Trailing-twelve-month revenue stands at 3.3M PLN. It earns a return on equity of -3.1%. The balance sheet holds a net cash position of 45.6M PLN. The stock trades on a trailing P/E of 25.1. Fundamentals as of Jun 26, 2026

Key figures & financial health

Revenue (TTM) 3.3M PLN
Revenue growth (YoY) -90.1%
Net margin -109%
Return on equity -3.1%
Free cash flow −1.1M PLN FY2024
P/E ratio 25.1
More key figures
Operating margin -538%
EPS (TTM) 0.0200 PLN
EPS growth (YoY) +150%
Net cash 45.6M PLN FY2024

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

About the company

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.

Revenue & earnings trend

FY2020 – FY2024 · reported fiscal years

Getin Holding reported revenue of 1.5M PLN in FY2024 versus −3.0M PLN in FY2020. Reported net income was 129M PLN in FY2024.

Revenue
FY20 −3.0M PLN
FY21 231M PLN
FY22 −132M PLN
FY23 205M PLN
FY24 1.5M PLN
Net income
FY20 −347M PLN
FY21 −132M PLN
FY22 −219M PLN
FY23 27.3M PLN
FY24 129M PLN

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Frequently asked questions

Is Getin Holding (GTN) undervalued?
As of Jun 26, 2026, our model estimates a fair value of 0.4388 PLN versus a price of 0.3970 PLN — about +11% (undervalued). Model-based estimate, not financial advice.
What is the fair value of GTN?
Our 21-model fair value for Getin Holding is 0.4388 PLN (as of Jun 26, 2026), built from audited fundamentals. The current price is 0.3970 PLN.
What is the quality score of GTN?
Getin Holding has a Quality Score of 92/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Getin Holding (GTN)?
Getin Holding reported trailing-twelve-month revenue of about 3.3M PLN (latest available figure, as of Jun 26, 2026).
What is the net profit margin of GTN?
The net profit margin of Getin Holding is about -109.5%, meaning it is currently running at a net loss. Based on the latest reported figures.

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.