Internity S.A (INT) fair value: what the stock is really worth
As of Nov 4, 2026: fair value (intrinsic value) of Internity S.A stock PLN 13.81, price PLN 9.10, upside +51.8%, quality 58 out of 100. Rating: strongly undervalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range 1.33 PLN – 11.50 PLN · fair‑value band 10.99 PLN – 18.07 PLN · the 9.10 PLN price screens below the 13.81 PLN fair value. As of Nov 4, 2026.
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Internity S.A. distributes interior design materials in Poland.
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The company offers sanitary fittings; bathroom ceramics; bathtubs; hydromassage; shower cabins, creens, and trays; bathroom furniture and accessories; concealed frames, cisterns and buttons; spare parts; wooden floors; heating products; chemistry products; decoration products; household appliances; doors and frames; kitchens and furniture; lighting equipment; ceramic tiles; glass mosaics; natural stones; vinyl; and carpets.
It operates a chain of retail stores and showrooms that provide products for interior designs, as well as offering interior design services for architects and interior decorators. Internity S.A. was founded in 1992 and is based in Warsaw, Poland.
Stock analysis
Internity S.A (INT) currently trades at 9.10 PLN, while our model-based Fair Value estimate is 13.81 PLN, implying the stock looks roughly 34% undervalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of 14.33 PLN per share, and 15 of the 24 models we run sit above the 9.10 PLN price.
Bear case: the Asset-Based group reads lowest at 2.85 PLN, and 9 of the 24 models stay below the price. Data coverage for this calculation is medium.
Scenario range: 10.99 PLN (bear) to 18.07 PLN (bull), the price of 9.10 PLN sits below 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 58/100 (solid quality), in the Consumer Cyclical sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
Internity S.A reported revenue of 181M PLN in FY2025 versus 178M PLN in FY2022, a compound +0.6%/yr. Reported net income was 6.8M PLN in FY2025, compounding +8.1%/yr from FY2022.
Key figures
Market cap 71.7M PLN (≈ $18.4M) Micro · P/E ratio 16.0 · P/S ratio 0.39 · EPS (TTM) 0.5700 PLN · Dividend yield 1.2% · Net margin 2.4% · Return on equity 13.9% · Return on assets (EBIT) 6.5%.
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 21% below its 52-week high and 36% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at −25% fair-value upside, at 52%, INT screens cheaper than that median.
Fair Value models
Bear10.99 PLNFair Value 13.81 PLNBull18.07 PLN
Price 9.10 PLN · Upside +51.8%
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 2025 figures (about 10 months old). Earnings retained since then (0.4825 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. 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.
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.40/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
+0.2%
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.
+0.6%
’22
’23
’24
’25
What shareholders gained per year (last 3 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 3 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.
+11.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.2%
Dividend (yield on the price)1.2%
Profit margin 2022 to 2025 ⓘ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.5% → 2%
Growth Forecast
Little optimism in the price
The price assumes less 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).
−6.1%
The company could shrink this much every year for the next five years and today's price would still be justified.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Poland: IMF forecast 3.1% a year to 2030, 4.6% from 2016 to 2025) that is about −8.9% 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.Furnishings, Fixtures & Appliances · 299 stocks
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). "Internity S.A Fair Value". https://www.fairvalue-calculator.com/stock/INT
Frequently asked questions
Is Internity S.A (INT) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of 13.81 PLN versus a price of 9.10 PLN, about +52% upside (undervalued).
What is the fair value of INT?
Our model-based fair value for Internity S.A is 13.81 PLN (as of Nov 4, 2026), built from audited fundamentals. The current price: 9.10 PLN.
What is the quality score of INT?
Internity S.A has a Quality Score of 58/100. 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 Internity S.A (INT)?
Our model-based price target is the fair value of 13.81 PLN (as of Nov 4, 2026) from 24 valuation models. Cautious scenario 10.99 PLN, optimistic scenario 18.07 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Internity S.A stock forecast for 2026?
Our models put fair value at 13.81 PLN, about +52% upside versus a price of 9.10 PLN (undervalued). Cautious scenario 10.99 PLN, optimistic scenario 18.07 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Internity S.A (INT)?
Internity S.A reported trailing-twelve-month revenue of about 186M PLN (latest available figure, as of Nov 4, 2026).
Does Internity S.A pay a dividend?
Internity S.A currently shows a dividend yield of 1.21% relative to its recent price (as of Nov 4, 2026).
What growth is priced into Internity S.A (INT)?
For today's price to be fair in a discounted-cash-flow model, Internity S.A would have to grow free cash flow by -6.1 % per year for five years (discount rate 9.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 3 years revenue grew +0.6 % per year. As of Nov 4, 2026.
What discount rate (WACC) does the fair value of INT use?
Our models discount Internity S.A at 9.3 %: a base by market capitalisation (nano), damped by beta 0.33, country premium for Poland. 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 Internity S.A that is -6.1 % per year a year over ten years, using the same discount rate (9.3 %) and the same formula as our fair value.
How much growth has Internity S.A (INT) delivered so far?
Over the past 3 years revenue at Internity S.A grew +0.6 % a year. The price currently implies -6.1 % per year free-cash-flow growth a 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 Internity S.A (INT) growing?
The median revenue growth in the sector is +8.6 % a year. That is the yardstick for the growth priced into Internity S.A (-6.1 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Internity S.A (INT)?
The free-cash-flow yield on the price is 11.89 %: that much free cash flow Internity S.A produces per unit of market value. When it exceeds the discount rate of our models (9.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Internity S.A (INT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Internity S.A it is 13.81 PLN per share (as of Nov 4, 2026), against a price of 9.10 PLN. It is the blended result of 24 valuation models (cash flow, earnings, asset, dividend).
Is Internity S.A stock overvalued or undervalued in 2026?
As of Nov 4, 2026, INT trades below its calculated fair value: price 9.10 PLN, fair value 13.81 PLN, a gap of about +52% (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 INT?
No. The price is what the market pays today (9.10 PLN); the fair value is what the company's own numbers justify (13.81 PLN). For Internity S.A the two are 4.71 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Internity S.A worth?
The market values Internity S.A at about 71.7M PLN (market capitalisation, as of Nov 4, 2026). Per share that is 9.10 PLN; our models calculate a fair value of 13.81 PLN per share.
What do the bullish and bearish scenarios say about INT?
Our models span a range for Internity S.A: cautious scenario 10.99 PLN, base 13.81 PLN, optimistic 18.07 PLN per share (as of Nov 4, 2026, price 9.10 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of INT?
Internity S.A trades at a price-to-earnings ratio of 16.0 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 13.81 PLN is built from several models across several years. Other multiples: P/B 2.1, P/S 0.4, EV/EBITDA 6.3.
How solid is the balance sheet of Internity S.A (INT)?
Balance-sheet figures for Internity S.A (as of Nov 4, 2026): return on equity 13.9%. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is INT from its 52-week high?
Internity S.A trades at 9.10 PLN, about 21% below its 52-week high of 11.50 PLN and 36% above the low of 6.71 PLN (as of Nov 4, 2026). Distance from the high says nothing about value: that is what the fair value of 13.81 PLN is for.
Which stocks are comparable to Internity S.A?
From the same area (Consumer Cyclical) we also value Midea Group, Gree Electric Appliances, Inc, SharkNinja, Inc, King Slide Works 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 Internity S.A stock attractive at the current price?
The data as of Nov 4, 2026: price 9.10 PLN, calculated fair value 13.81 PLN (+52%), Quality Score 58/100, from 24 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 INT calculated?
We run Internity S.A through 24 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 13.81 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 15.0% above its aggregate fair value. Internity S.A currently trades 34% 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 Internity S.A (INT)?
The closing price on Nov 4, 2026 was 9.10 PLN. Our model-based fair value is 13.81 PLN, about +52% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Internity S.A right now?
The price is below even our cautious bear case (10.99 PLN). The market is more pessimistic than our downside scenario. Solid quality (58/100) at a price below fair value, the discount is the argument here, not the business quality.
Key figures of Internity S.A
How large is the market capitalisation of Internity S.A (INT)?
The market capitalisation of Internity S.A is 71.7M PLN (≈ $18.4M). 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 Internity S.A (INT)?
The price-to-sales ratio of Internity S.A is 0.39 (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 Internity S.A (INT)?
Earnings per share at Internity S.A are 0.5700 PLN (price ÷ EPS = P/E 16.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Internity S.A (INT)?
The dividend yield of Internity S.A is 1.2% (payout 19.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Internity S.A (INT)?
The net margin of Internity S.A is 2.4% (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 Internity S.A (INT)?
The return on equity (ROE) of Internity S.A is 13.9% (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 Internity S.A (INT)?
On an EBIT basis the return on assets of Internity S.A is 6.5% (avg 4y). 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 Internity S.A (INT)?
The operating margin of Internity S.A is 6.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Internity S.A (INT)?
Revenue at Internity S.A is growing +11.3% versus a year earlier (3y avg +0.6%). 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 Internity S.A (INT)?
Earnings per share at Internity S.A are growing −57.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Internity S.A (INT) carry?
The net debt of Internity S.A is 4.3M PLN (fiscal year 2025, ≈ 0.5 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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