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INC S.A (INC) Fair Value & Analysis

Financial Services · PL · Market cap 21.0M PLN

IS INC S.A INC · WAR
Price1.41 PLN
Fair Value0.3200 PLN
Upside-77.3%
Quality43/100
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Evidence: Medium Range 0.2400 PLN – 0.4100 PLN

Fair value as of: Jul 12, 2026

From 17 valuation models · updated yesterday

Fair value updated Jul 12, 2026 — revised from 0.0100 PLN to 0.3200 PLN (+3,100.0%) since Jun 26, 2026. Share price −11.6% over the past month.

Price vs Fair Value (12 months)

2.62 PLN 1.41 PLN Fair Value 0.3200 PLN Jul 2025 Jul 2026

12‑month range 1.41 PLN – 2.62 PLN · fair‑value band 0.2400 PLN – 0.4100 PLN · the 1.41 PLN price screens above the 0.3200 PLN fair value. As of Jul 12, 2026.

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Analysis

INC S.A (INC) currently trades at 1.41 PLN, while our model-based Fair Value estimate is 0.3200 PLN — implying the stock looks roughly 77.3% overvalued today. We read business quality at 43/100 (below-average 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: medium).

Over the trailing twelve months, INC S.A generated revenue of 8.0M PLN at a net margin of -8.2%. Revenue grew 26.4% year over year. It earns a return on equity of -1.7%. The balance sheet holds a net cash position of 7.1M PLN. Fundamentals as of Jul 12, 2026

Our scenario range runs from 0.2400 PLN (bear case) to 0.4100 PLN (bull case); at 1.41 PLN, the current price sits above that range. The share trades about 50% below its 52-week high, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 38% fair-value upside — at -77%, INC screens richer than that median.

Key figures & financial health

Revenue (TTM) 8.0M PLN
Revenue growth (YoY) +26.4%
Net margin -8.2%
Return on equity -1.7%
Free cash flow −7.3M PLN FY2025
P/E ratio 47.0
More key figures
Operating margin -31.5%
EPS (TTM) 0.0300 PLN
EPS growth (YoY) -35.7%
Net cash 7.1M PLN FY2024

Figures from reported company fundamentals (EODHD) · as of Jul 12, 2026. TTM = trailing twelve months.

About the company

INC S.A. engages in the provision of investment and advisory services to small and medium-sized enterprises, and local government units in Poland. The company was formerly known as INVESTcon GROUP Spólka Akcyjna and changed its name to INC S.A. in February 2014. INC S.A. was founded in 1995 and is headquartered in Poznan, Poland.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

INC S.A reported revenue of 9.4M PLN in FY2025 versus 9.6M PLN in FY2021, a compound −0.4%/yr. Reported net income was 1.5M PLN in FY2025, compounding −27.2%/yr from FY2021.

Revenue −0.4%/yr
FY21 9.6M PLN
FY22 3.6M PLN
FY23 4.4M PLN
FY24 7.0M PLN
FY25 9.4M PLN
Net income −27.2%/yr
FY21 5.4M PLN
FY22 10.5M PLN
FY23 −7.9M PLN
FY24 −3.8M PLN
FY25 1.5M PLN

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Cite: Fair Value Calculator (2026). "INC S.A Fair Value". https://www.fairvalue-calculator.com/stock/INC

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Frequently asked questions

Is INC S.A (INC) undervalued?
As of Jul 12, 2026, our model estimates a fair value of 0.3200 PLN versus a price of 1.41 PLN — about −77% (overvalued). Model-based estimate, not financial advice.
What is the fair value of INC?
Our model-based fair value for INC S.A is 0.3200 PLN (as of Jul 12, 2026), built from audited fundamentals. The current price is 1.41 PLN.
What is the quality score of INC?
INC S.A has a Quality Score of 43/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of INC S.A (INC)?
INC S.A reported trailing-twelve-month revenue of about 8.0M PLN (latest available figure, as of Jul 12, 2026).
What is the net profit margin of INC?
The net profit margin of INC S.A is about -8.2%, 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.

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