Homizy SpA (HZY) fair value: what the stock is really worth
We calculate from audited financials what Homizy SpA is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
Structural break:
The valuation model sees a lasting decline in earnings power for this stock, the confidence band is broken. Treat the target with caution.
Weakest SetupStrongly overvalued and low quality.
!Fair value €0.3400 · Strongly overvalued (−86%)
!Quality 32/100
!Weak Growth(revenue 5y +27.6 %/yr)
!Loss-making · -8.1% net margin (TTM)
!Moderate debt · negative free cash flow
!Trails peers(0/11)
!Narrow moat13/100
!Evidence only medium, so the estimate is less certain
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 13, 2026.
How to read this chart
57‑month range €2.40 – €5.20 · fair‑value band €0.3400 – €0.7200 · the €2.40 price screens above the €0.3400 fair value. Dashed = 300-day average. As of Sep 13, 2026.
Homizy SIIQ S.p.A. engages in the rental of residential apartments business in Italy. It engages in the purchase, sale, lease, and sub-lease of real estate; research, identification, development, design, construction, renovation, transformation, and management and maintenance of properties; and design, development, and implementation of an IT platforms.
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Homizy SIIQ S.p.A. engages in the rental of residential apartments business in Italy. It engages in the purchase, sale, lease, and sub-lease of real estate; research, identification, development, design, construction, renovation, transformation, and management and maintenance of properties; and design, development, and implementation of an IT platforms. The company is headquartered in Milan, Italy. Homizy SIIQ S.p.A. is a subsidiary of Abitare In S.p.A.
Stock analysis
Homizy SpA (HZY) currently trades at €2.40, while our model-based Fair Value estimate is €0.3400, implying the stock looks roughly 605.7% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of €1.98 per share, and 0 of the 3 models we run sit above the €2.40 price.
Bear case: the Asset-Based group reads lowest at €0.7700, and 3 of the 3 models stay below the price. Evidence for this calculation is medium.
Scenario range: €0.3400 (bear) to €0.7200 (bull), the price of €2.40 sits above 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 32/100 (below-average quality), in the Real Estate sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Homizy SpA reported revenue of €44.3K in FY2025 versus €0 in FY2021. Reported net income was −€467K in FY2025.
Key figures
Market cap €39.6M · P/S ratio 1.93 · EPS (TTM) €−0.0600 · Net margin −8.1% · Return on equity −14.5% · Return on assets (EBIT) −2.5% · Operating margin −3.0% · Revenue growth (YoY) −61.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 35 out of 100 (low confidence).
What moves the price
The share trades about 38% below its 52-week high, currently below its 200-day average.
For context, the median of 10 Real Estate peers we cover trades at −45% fair-value upside, at −86%, HZY screens richer than that median.
Fair Value models
Bear €0.3400Fair Value €0.3400Bull €0.7200
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.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.
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.22/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−90.5%
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.
−21.3%
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.
+27.6%
’20
’22
’23
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’25
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.
−1,405.5% (2020) → 3,712.0% (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
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.Real Estate Services · 539 stocks
Beats the industry median on 0/9 measures
Overall it trails its industry peers.
Valuation
Quality Score32 · Bottom 25%
Profitability
Return on assets1% · Below median
Net margin (TTM)−8% · Bottom 25%
Operating margin (TTM)−3% · Bottom 25%
Growth and dividend
Revenue growth−61% · Bottom 25%
Balance sheet
Debt / equity1.12× · Highest 25%
Valuation Multiplesvs Real Estate Services median · lower = cheaper
P/B3.90× · Priciest 25%
P/S (TTM)2.24× · Pricier than median
EV/EBITDA54.4× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 31
FUTURE (revenue growth)0· sector 12
PAST (return on equity)0· sector 16
HEALTH (low debt)44· sector 83
DIVIDEND (yield)0· sector 66
VALUE 0: the price sits above our fair-value range.
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). "Homizy SpA Fair Value". https://www.fairvalue-calculator.com/stock/HZY
Frequently asked questions
Is Homizy SpA (HZY) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of €0.3400 versus a price of €2.40, about −86% upside (overvalued).
What is the fair value of HZY?
Our model-based fair value for Homizy SpA is €0.3400 (as of Sep 13, 2026), built from audited fundamentals. The current price: €2.40.
What is the quality score of HZY?
Homizy SpA has a Quality Score of 32/100. 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 Homizy SpA (HZY)?
Our model-based price target is the fair value of €0.3400 (as of Sep 13, 2026) from 3 valuation models. Cautious scenario €0.3400, optimistic scenario €0.7200. It is a calculation from audited fundamentals, not an analyst target.
What is the Homizy SpA stock forecast for 2026?
Our models put fair value at €0.3400, about −86% upside versus a price of €2.40 (overvalued). Cautious scenario €0.3400, optimistic scenario €0.7200. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Homizy SpA (HZY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Homizy SpA it is €0.3400 per share (as of Sep 13, 2026), against a price of €2.40. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Homizy SpA stock overvalued or undervalued in 2026?
As of Sep 13, 2026, HZY trades above its calculated fair value: price €2.40, fair value €0.3400, a gap of about −86% (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 HZY?
No. The price is what the market pays today (€2.40); the fair value is what the company's own numbers justify (€0.3400). For Homizy SpA the two are €2.06 per share apart. That gap is exactly why we show both numbers side by side.
How much is Homizy SpA worth?
The market values Homizy SpA at about €39.6M (market capitalisation, as of Sep 13, 2026). Per share that is €2.40; our models calculate a fair value of €0.3400 per share.
What do the bullish and bearish scenarios say about HZY?
Our models span a range for Homizy SpA: cautious scenario €0.3400, base €0.3400, optimistic €0.7200 per share (as of Sep 13, 2026, price €2.40). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Homizy SpA (HZY)?
Balance-sheet figures for Homizy SpA (as of Sep 13, 2026): return on equity −14.5%, debt of 1.12 per unit of equity. They feed the Quality Score of 32/100, which measures business quality independently of the share price.
How far is HZY from its 52-week high?
Homizy SpA trades at €2.40, about 38% below its 52-week high of €3.88 (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of €0.3400 is for.
Which stocks are comparable to Homizy SpA?
From the same area (Real Estate) we also value Vingroup Joint Stock Company, CBRE Group, Vonovia SE, Cellnex Telecom, S.A, 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 Homizy SpA stock attractive at the current price?
The data as of Sep 13, 2026: price €2.40, calculated fair value €0.3400 (−86%), Quality Score 32/100, 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 HZY calculated?
We run Homizy SpA 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 €0.3400, 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 15.8 % above its aggregate fair value. Homizy SpA 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 should I pay attention to with Homizy SpA right now?
The price sits above even our optimistic bull case (€0.7200). The favourable scenario is already priced in. Weak quality (32/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range (€0.3400 to €0.7200) leaves room in how you read the outcome. As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Key figures of Homizy SpA
How large is the market capitalisation of Homizy SpA (HZY)?
The market capitalisation of Homizy SpA is €39.6M. 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 Homizy SpA (HZY)?
The price-to-sales ratio of Homizy SpA is 1.93 (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 Homizy SpA (HZY)?
Earnings per share at Homizy SpA are €−0.0600. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Homizy SpA (HZY)?
The net margin of Homizy SpA is −8.1% (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 Homizy SpA (HZY)?
The return on equity (ROE) of Homizy SpA is −14.5% (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 Homizy SpA (HZY)?
On an EBIT basis the return on assets of Homizy SpA is −2.5% (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 Homizy SpA (HZY)?
The operating margin of Homizy SpA is −3.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Homizy SpA (HZY)?
Revenue at Homizy SpA is growing −61.4% versus a year earlier (3y avg −21.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Homizy SpA (HZY) generate?
The free cash flow of Homizy SpA is −€19.2M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Homizy SpA (HZY) carry?
The net debt of Homizy SpA is €32.7M (fiscal year 2025). 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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