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Interbud-Lublin SA (ITB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Interbud-Lublin SA stock PLN 1.12, price PLN 1.27, that is 11.5% below the price, quality 31 out of 100. Rating: overvalued. Calculated from audited financials with one of our 26 valuation models and 37 quality factors, updated daily.

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Industrials PL · ISIN PLINTBD00014

IL Interbud-Lublin SA logo Thin data Nov 7, 2026

Interbud-Lublin SA

ITB · WAR
Expensive, weak quality

Our calculation puts a fair price 11% below what the stock costs today.

Profit last quarter 60% below a year ago.
Fair value 1.12 PLN · Overvalued (−11.5%)
Quality 31/100
Weak Growth (revenue 3y −25.6 %/yr in PLN)
Loss-making · -45.9% net margin (TTM)
High debt
Negative free cash flow
Trails peers (0/9)
Narrow moat 8/100 · thin data
Thin data
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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

3.95 PLN 0.5100 PLN Fair Value 1.12 PLN Aug 2020 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range 0.5100 PLN – 3.95 PLN · fair‑value band 0.7400 PLN – 1.40 PLN · the 1.27 PLN price screens above the 1.12 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. As of Nov 7, 2026.

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Company profile

Interbud-Lublin S.A. operates as a construction and development company in Poland. The company undertakes the construction of multi-family residential buildings, single-family terraced housing, and commercial and service building projects.

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It provides supervising of construction, sanitary, electrical, and road construction documentation; construction budget; implementation of contracts; and settlement of the current construction site.

The company was formerly known as Company Sanitary and Electrical INTERBUD Limited Liability Company and changed its name to Interbud-Lublin S.A. in December 2007. Interbud-Lublin S.A. was founded in 1987 and is headquartered in Lublin, Poland.

Stock analysis

Interbud-Lublin SA (ITB) currently trades at 1.27 PLN, while our model-based Fair Value estimate is 1.12 PLN, 11% below the price, so the stock looks overvalued today.

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Valuation

How firm this estimate is: it rests on 1 models at a data quality of 95/100, which puts the data coverage at low.

Scenario range: 0.7400 PLN (bear) to 1.40 PLN (bull), the price of 1.27 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 31/100 (below-average quality), in the Industrials sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

Interbud-Lublin SA reported revenue of 20.0M PLN in FY2025 versus 23.0M PLN in FY2021, a compound −3.4%/yr. Reported net income was −4.4M PLN in FY2025.

Key figures

Market cap 14.3M PLN (≈ $3.6M) Micro · P/S ratio 0.58 · EPS (TTM) −0.6900 PLN · Net margin −45.9% · Return on equity −81.3% · Return on assets (EBIT) 8.9% (5-year average) · Operating margin −9,523% · Revenue (TTM) 16.3M PLN.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 8 out of 100 (low confidence).

What moves the price

The share trades about 43% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Industrials peers we cover trades at −42% fair-value upside, at −11%, ITB screens cheaper than that median.

Fair Value models

Bear 0.7400 PLN Fair Value 1.12 PLN Bull 1.40 PLN
Price 1.27 PLN · Downside -11.5%
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. 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.
Best data coverage
NCAV (Graham) 0.7400 PLN 1.12 PLN 1.40 PLN 55
All 1 models by family
Asset-Based
NCAV (Graham) 0.7400 PLN 1.12 PLN 1.40 PLN 55

Open the full fair value analysis →

Quality Score breakdown

Overall quality 31/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 5
How much profit the company makes from its sales and capital
Quality Growth 67
Are margins and returns getting better?
Cashflow 33
Do the profits arrive as real cash?
Financial strength 17
Debt, balance sheet and risk of trouble
Investment 50
Does it invest with discipline instead of growing at any price?
Low Volatility 36
How calm the share price moves, does not count
Price momentum 10
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 1
Distance to the 52-week high, does not count
New shares 40
Buys back shares or issues new ones?

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 inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+916.9%
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.
−25.6%
Revenue growth 16 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.
−10.9%
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.
−98.0% (2020) → −11.2% (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

ITB screens overvalued: fair value 11% below the price. Compare with Quanta Services, Inc →

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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.Engineering & Construction · 791 stocks

Beats the industry median on 0/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 31 · Bottom 25%
Fair Value upside −11.5% · Below median
Profitability
Return on assets −7.8% · Bottom 25%
Net margin (12 months) −45.9% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −92.9% · Bottom 25%
Balance sheet
Debt / equity 3.60× · Highest 25%

Valuation Multiplesvs Engineering & Construction median · lower = cheaper

P/B 1.47× · Pricier than median
P/S (12 months) 0.88× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)18 · sector 33
FUTURE (revenue growth)0 · sector 20
PAST (return on equity)0 · sector 28
HEALTH (low debt)0 · sector 94
DIVIDEND (yield)0 · sector 43

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 Engineering & Construction stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Vinci SA DG €111.60 €186.68 +67% vs ITB
Comfort Systems USA, Inc FIX $1,018 $1,119 +10% vs ITB
EMCOR Group EME $608.45 $524.14 −14% vs ITB
ACS, Actividades de Construcción y Servicios, S.A ACS €87.00 €62.21 −28% vs ITB
Samsung C&T Corporation 028260 273,500 KRW 159,702 KRW −42% vs ITB
Larsen & Toubro Limited LT ₹4,118 ₹2,302 −44% vs ITB
HOCHTIEF Aktiengesellschaft HOT €365.60 €203.86 −44% vs ITB
APi Group APG $40.87 $19.20 −53% vs ITB
Ferrovial N.V FER $58.71 $23.06 −61% vs ITB
Quanta Services, Inc PWR $540.90 $162.41 −70% vs ITB

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Interbud-Lublin SA: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Interbud-Lublin SA Fair Value". https://www.fairvalue-calculator.com/stock/ITB

Frequently asked questions

Is Interbud-Lublin SA (ITB) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of 1.12 PLN versus a price of 1.27 PLN, about 11% lower (overvalued).
What is the fair value of ITB?
Our model-based fair value for Interbud-Lublin SA is 1.12 PLN (as of Nov 7, 2026), built from audited fundamentals. The current price: 1.27 PLN.
What is the quality score of ITB?
Interbud-Lublin SA has a Quality Score of 31/100. 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 Interbud-Lublin SA (ITB)?
Our model-based price target is the fair value of 1.12 PLN (as of Nov 7, 2026) from 1 valuation models. Cautious scenario 0.7400 PLN, optimistic scenario 1.40 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Interbud-Lublin SA stock forecast for 2026?
Our models put fair value at 1.12 PLN, about 11% lower versus a price of 1.27 PLN (overvalued). Cautious scenario 0.7400 PLN, optimistic scenario 1.40 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Interbud-Lublin SA (ITB)?
Interbud-Lublin SA reported trailing-twelve-month revenue of about 16.3M PLN (latest available figure, as of Nov 7, 2026).
What is the intrinsic value of Interbud-Lublin SA (ITB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Interbud-Lublin SA it is 1.12 PLN per share (as of Nov 7, 2026), against a price of 1.27 PLN. It is the blended result of 1 valuation models in 1 family (Asset-Based).
Is Interbud-Lublin SA stock overvalued or undervalued in 2026?
As of Nov 7, 2026, ITB trades above its calculated fair value: price 1.27 PLN, fair value 1.12 PLN, a gap of about −11% (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 ITB?
No. The price is what the market pays today (1.27 PLN); the fair value is what the company's own numbers justify (1.12 PLN). For Interbud-Lublin SA the two are 0.1450 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Interbud-Lublin SA worth?
The market values Interbud-Lublin SA at about 14.3M PLN (market capitalisation, as of Nov 7, 2026). Per share that is 1.27 PLN; our models calculate a fair value of 1.12 PLN per share.
What do the bullish and bearish scenarios say about ITB?
Our models span a range for Interbud-Lublin SA: cautious scenario 0.7400 PLN, base 1.12 PLN, optimistic 1.40 PLN per share (as of Nov 7, 2026, price 1.27 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Interbud-Lublin SA (ITB)?
Balance-sheet figures for Interbud-Lublin SA (as of Nov 7, 2026): return on equity −81.3%, debt of 3.60 per unit of equity. They feed the Quality Score of 31/100, which measures business quality independently of the share price.
How far is ITB from its 52-week high?
Interbud-Lublin SA trades at 1.27 PLN, about 43% below its 52-week high of 2.23 PLN and 2% above the low of 1.24 PLN (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 1.12 PLN is for.
Which stocks are comparable to Interbud-Lublin SA?
From the same area (Industrials) we also value Quanta Services, Inc, Vinci SA, Larsen & Toubro Limited, Comfort Systems USA, Inc, 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 Interbud-Lublin SA stock attractive at the current price?
The data as of Nov 7, 2026: price 1.27 PLN, calculated fair value 1.12 PLN (−11%), Quality Score 31/100, from 1 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 ITB calculated?
We run Interbud-Lublin SA through 1 models from 1 family: Asset-Based. Every model gets the same audited fundamentals; the fair value of 1.12 PLN builds on their evidence-weighted average, 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 13.0% above its aggregate fair value. Interbud-Lublin SA 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 is the share price of Interbud-Lublin SA (ITB)?
The closing price on Nov 6, 2026 was 1.27 PLN. Our model-based fair value is 1.12 PLN, about 11% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Interbud-Lublin SA right now?
A fairly wide model range (0.7400 PLN to 1.40 PLN) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.

Key figures of Interbud-Lublin SA

How large is the market capitalisation of Interbud-Lublin SA (ITB)?
The market capitalisation of Interbud-Lublin SA is 14.3M PLN (≈ $3.6M). 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 Interbud-Lublin SA (ITB)?
The price-to-sales ratio of Interbud-Lublin SA is 0.58 (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 Interbud-Lublin SA (ITB)?
Earnings per share at Interbud-Lublin SA are −0.6900 PLN. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Interbud-Lublin SA (ITB)?
The net margin of Interbud-Lublin SA is −45.9% (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 Interbud-Lublin SA (ITB)?
The return on equity (ROE) of Interbud-Lublin SA is −81.3% (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 Interbud-Lublin SA (ITB)?
On an EBIT basis the return on assets of Interbud-Lublin SA is 8.9% (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 Interbud-Lublin SA (ITB)?
The operating margin of Interbud-Lublin SA is −9,523% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Interbud-Lublin SA (ITB)?
Revenue at Interbud-Lublin SA is growing −92.9% versus a year earlier (3y avg −25.6%). 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 Interbud-Lublin SA (ITB)?
Earnings per share at Interbud-Lublin SA are growing −60.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Interbud-Lublin SA (ITB) generate?
The free cash flow of Interbud-Lublin SA is −22.2M 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 debt does Interbud-Lublin SA (ITB) carry?
The net debt of Interbud-Lublin SA is 26.0M PLN (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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