Izolacja Jarocin SA (IZO) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Izolacja Jarocin SA PLN 4.44, price PLN 3.67, upside +21.0%, quality 54 out of 100. 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, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range 1.79 PLN – 4.77 PLN · fair‑value band 3.92 PLN – 4.96 PLN · the 3.67 PLN price screens below the 4.44 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 2 fiscal years are left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 23, 2026.
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Izolacja Jarocin Spolka Akcyjna manufactures and sells waterproofing and sealing products for the construction industry.
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Izolacja Jarocin Spolka Akcyjna manufactures and sells waterproofing and sealing products for the construction industry. It offers asphalt sheets, including anti-root green roof membranes, SBS modified heat-sealable membranes, traditional papers, oxidized weldable membranes, and papers and membranes for formwork; bituminous roofing membranes and roofing felt for pitched roofs; asphalt masses; building putties and putties; sandwich panels; and road construction products. The company also provides insulation systems. It distributes its products through wholesalers and cooperation agreements with construction companies, as well as supplies insulating products to retail chains. Izolacja Jarocin Spolka Akcyjna was founded in 1925 and is based in Jarocin, Poland.
Stock analysis
Izolacja Jarocin SA (IZO) currently trades at 3.67 PLN, while our model-based Fair Value estimate is 4.44 PLN, implying the stock looks roughly 17.3% undervalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of 3.23 PLN per share, and 2 of the 14 models we run sit above the 3.67 PLN price.
Bear case: the Earnings-Based group reads lowest at 1.72 PLN, and 12 of the 14 models stay below the price. Evidence for this calculation is low.
Scenario range: 3.92 PLN (bear) to 4.96 PLN (bull), the price of 3.67 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 54/100 (solid quality), in the Basic Materials sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
Izolacja Jarocin SA reported revenue of 27.1M PLN in FY2025 versus 30.5M PLN in FY2021, a compound −2.9%/yr. Reported net income was −59.0K PLN in FY2025.
Key figures
Market cap 13.9M PLN (≈ $3.6M) · P/S ratio 0.52 · EPS (TTM) −0.0200 PLN · Net margin −0.2% · Return on equity −1.9% · Return on assets (EBIT) 6.6% · Operating margin −0.5% · Revenue (TTM) 26.9M PLN.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 23% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Basic Materials peers we cover trades at −47% fair-value upside, at 21%, IZO screens cheaper than that median.
Fair Value models
Bear 3.92 PLNFair Value 4.44 PLNBull 4.96 PLN
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.24/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
−19.7%
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.
−9.7%
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.
+0.6%
Start year 2020 (pandemic). Over 10 years: +2.8% a year
Revenue growth 17 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.
+0.2%
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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.
8.0% (2020) → 1.0% (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
not computed
Growth Forecast
Price in line with expectations
The price assumes about as much growth as 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).
−0.1%
Yearly growth needed for the next five years to justify today's price.
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 −3.1% 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.Building Materials · 258 stocks
Beats the industry median on 4/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score54 · Above median
Fair Value upside+21% · Above median
Profitability
Return on assets−3% · Bottom 25%
Net margin (TTM)−1% · Bottom 25%
Operating margin (TTM)−1% · Below median
Growth and dividend
Revenue growth−3% · Below median
Valuation Multiplesvs Building Materials median · lower = cheaper
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). "Izolacja Jarocin SA Fair Value". https://www.fairvalue-calculator.com/stock/IZO
Frequently asked questions
Is Izolacja Jarocin SA (IZO) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of 4.44 PLN versus a price of 3.67 PLN, about +21% upside (undervalued).
What is the fair value of IZO?
Our model-based fair value for Izolacja Jarocin SA is 4.44 PLN (as of Sep 23, 2026), built from audited fundamentals. The current price: 3.67 PLN.
What is the quality score of IZO?
Izolacja Jarocin SA has a Quality Score of 54/100. 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 Izolacja Jarocin SA (IZO)?
Our model-based price target is the fair value of 4.44 PLN (as of Sep 23, 2026) from 14 valuation models. Cautious scenario 3.92 PLN, optimistic scenario 4.96 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Izolacja Jarocin SA stock forecast for 2026?
Our models put fair value at 4.44 PLN, about +21% upside versus a price of 3.67 PLN (undervalued). Cautious scenario 3.92 PLN, optimistic scenario 4.96 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Izolacja Jarocin SA (IZO)?
Izolacja Jarocin SA reported trailing-twelve-month revenue of about 26.9M PLN (latest available figure, as of Sep 23, 2026).
What growth is priced into Izolacja Jarocin SA (IZO)?
For today's price to be fair in a discounted-cash-flow model, Izolacja Jarocin SA would have to grow free cash flow by -0.1 % per year for five years (discount rate 9.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +0.6 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of IZO use?
Our models discount Izolacja Jarocin SA at 9.3 %: a base by market capitalisation (nano), damped by beta 0.26, 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 Izolacja Jarocin SA that is -0.1 % 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 Izolacja Jarocin SA (IZO) delivered so far?
Over the past 5 years revenue at Izolacja Jarocin SA grew +0.6 % a year. The price currently implies -0.1 % 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 Izolacja Jarocin SA (IZO) growing?
The median revenue growth in the sector is +3.3 % a year. That is the yardstick for the growth priced into Izolacja Jarocin SA (-0.1 % 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 Izolacja Jarocin SA (IZO)?
The free-cash-flow yield on the price is 5.47 %: that much free cash flow Izolacja Jarocin SA 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 Izolacja Jarocin SA (IZO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Izolacja Jarocin SA it is 4.44 PLN per share (as of Sep 23, 2026), against a price of 3.67 PLN. It is the blended result of 14 valuation models (cash flow, earnings, asset, dividend).
Is Izolacja Jarocin SA stock overvalued or undervalued in 2026?
As of Sep 23, 2026, IZO trades below its calculated fair value: price 3.67 PLN, fair value 4.44 PLN, a gap of about +21% (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 IZO?
No. The price is what the market pays today (3.67 PLN); the fair value is what the company's own numbers justify (4.44 PLN). For Izolacja Jarocin SA the two are 0.7700 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Izolacja Jarocin SA worth?
The market values Izolacja Jarocin SA at about 13.9M PLN (market capitalisation, as of Sep 23, 2026). Per share that is 3.67 PLN; our models calculate a fair value of 4.44 PLN per share.
What do the bullish and bearish scenarios say about IZO?
Our models span a range for Izolacja Jarocin SA: cautious scenario 3.92 PLN, base 4.44 PLN, optimistic 4.96 PLN per share (as of Sep 23, 2026, price 3.67 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Izolacja Jarocin SA (IZO)?
Balance-sheet figures for Izolacja Jarocin SA (as of Sep 23, 2026): return on equity −1.9%. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is IZO from its 52-week high?
Izolacja Jarocin SA trades at 3.67 PLN, about 23% below its 52-week high of 4.77 PLN and 2% above the low of 3.59 PLN (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 4.44 PLN is for.
Which stocks are comparable to Izolacja Jarocin SA?
From the same area (Basic Materials) we also value CRH plc, Holcim AG, Vulcan Materials Company, UltraTech Cement Limited, 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 Izolacja Jarocin SA stock attractive at the current price?
The data as of Sep 23, 2026: price 3.67 PLN, calculated fair value 4.44 PLN (+21%), Quality Score 54/100, from 14 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 IZO calculated?
We run Izolacja Jarocin SA through 14 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 4.44 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 14.0 % above its aggregate fair value. Izolacja Jarocin SA currently trades 21 % 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 Izolacja Jarocin SA (IZO)?
The closing price on Sep 24, 2026 was 3.67 PLN. Our model-based fair value is 4.44 PLN, about +21% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Izolacja Jarocin SA right now?
The price is below even our cautious bear case (3.92 PLN). The market is more pessimistic than our downside scenario. Solid quality (54/100) at a price below fair value, the discount is the argument here, not the business quality. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
Where does the earnings growth of Izolacja Jarocin SA (IZO) come from?
Earnings per share at Izolacja Jarocin SA grew +13.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share +4.3 %, EBIT margin +6.0 %, tax rate −0.9 %, residual (interest, one-offs) +3.6 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Izolacja Jarocin SA
How large is the market capitalisation of Izolacja Jarocin SA (IZO)?
The market capitalisation of Izolacja Jarocin SA is 13.9M 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 Izolacja Jarocin SA (IZO)?
The price-to-sales ratio of Izolacja Jarocin SA is 0.52 (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 Izolacja Jarocin SA (IZO)?
Earnings per share at Izolacja Jarocin SA are −0.0200 PLN. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Izolacja Jarocin SA (IZO)?
The net margin of Izolacja Jarocin SA is −0.2% (fiscal year 2025). 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 Izolacja Jarocin SA (IZO)?
The return on equity (ROE) of Izolacja Jarocin SA is −1.9% (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 Izolacja Jarocin SA (IZO)?
On an EBIT basis the return on assets of Izolacja Jarocin SA is 6.6% (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 Izolacja Jarocin SA (IZO)?
The operating margin of Izolacja Jarocin SA is −0.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Izolacja Jarocin SA (IZO)?
Revenue at Izolacja Jarocin SA is growing −3.3% versus a year earlier (3y avg −9.7%). 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 Izolacja Jarocin SA (IZO)?
Earnings per share at Izolacja Jarocin SA are growing +205% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Izolacja Jarocin SA (IZO) hold?
Izolacja Jarocin SA holds more cash than debt, 4.5M PLN net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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