Kancelaria Prawna-Inkaso WEC Spólka Akcyjna (KPI) fair value: what the stock is really worth
As of Nov 4, 2026: fair value (intrinsic value) of Kancelaria Prawna-Inkaso WEC Spólka Akcyjna stock PLN 2.31, price PLN 1.87, upside +23.5%, quality 41 out of 100. Rating: 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 0.9685 PLN – 3.50 PLN · fair‑value band 1.21 PLN – 2.89 PLN · the 1.87 PLN price screens below the 2.31 PLN fair value. As of Nov 4, 2026.
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Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, together with its subsidiaries, engages in the debt collection business in Poland.
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It is involved in receivables management; purchase of mass debt portfolios; legal support for small and medium-sized enterprises; human resource and accounting, as well as auditing services; organization of trainings in law, taxes, and soft skills; business financing through traditional and reverse factoring; and leasing services.
The company was founded in 1995 and is headquartered in Lódz, Poland.
Stock analysis
Kancelaria Prawna-Inkaso WEC Spólka Akcyjna (KPI) currently trades at 1.87 PLN, while our model-based Fair Value estimate is 2.31 PLN, implying the stock looks roughly 19% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of 1.53 PLN per share, and 2 of the 8 models we run sit above the 1.87 PLN price.
Bear case: the Asset-Based group reads lowest at 0.7300 PLN, and 6 of the 8 models stay below the price. Data coverage for this calculation is low.
Scenario range: 1.21 PLN (bear) to 2.89 PLN (bull), the price of 1.87 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 41/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, reported revenue of 16.4M PLN in FY2025 versus 12.9M PLN in FY2022, a compound +8.3%/yr. Reported net income was 1.7M PLN in FY2025, compounding +5.5%/yr from FY2022.
Key figures
Market cap 17.5M PLN (≈ $4.5M) Micro · P/E ratio 5.1 · P/S ratio 0.88 · EPS (TTM) 0.3700 PLN · Dividend yield 0.4% · Net margin 15.9% · Return on equity 30.6% · Return on assets (EBIT) 8.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 67 out of 100 (low confidence).
What moves the price
The share trades about 19% below its 52-week high and 15% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 6% fair-value upside, at 24%, KPI screens cheaper than that median.
Fair Value models
Bear1.21 PLNFair Value 2.31 PLNBull2.89 PLN
Price 1.87 PLN · Upside +23.5%
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. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (0.3132 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.55/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+14.7%
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.
+8.3%
’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.
+9.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+9.3%
Dividend (yield on the price)0.4%
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.17% → 23%
Compare Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, with another stock
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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.Credit Services · 285 stocks
Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score41 · Bottom 25%
Fair Value upside+23.5% · Above median
Profitability
Return on equity (12 months)30.6% · Top 25%
Return on assets3.2% · Above median
Net margin (12 months)15.9% · Below median
Operating margin (12 months)43.1% · Above median
Growth and dividend
Revenue growth (quarter YoY)79.3% · Top 25%
Dividend yield (12 months)0.4% · Bottom 25%
Balance sheet
Debt / equity2.62× · Highest 25%
Valuation Multiplesvs Credit Services 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.
Is Kancelaria Prawna-Inkaso WEC Spólka Akcyjna (KPI) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of 2.31 PLN versus a price of 1.87 PLN, about +24% upside (undervalued).
What is the fair value of KPI?
Our model-based fair value for Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, is 2.31 PLN (as of Nov 4, 2026), built from audited fundamentals. The current price: 1.87 PLN.
What is the quality score of KPI?
Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, has a Quality Score of 41/100. 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 Kancelaria Prawna-Inkaso WEC Spólka Akcyjna (KPI)?
Our model-based price target is the fair value of 2.31 PLN (as of Nov 4, 2026) from 9 valuation models. Cautious scenario 1.21 PLN, optimistic scenario 2.89 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, stock forecast for 2026?
Our models put fair value at 2.31 PLN, about +24% upside versus a price of 1.87 PLN (undervalued). Cautious scenario 1.21 PLN, optimistic scenario 2.89 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Kancelaria Prawna-Inkaso WEC Spólka Akcyjna (KPI)?
Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, reported trailing-twelve-month revenue of about 20.0M PLN (latest available figure, as of Nov 4, 2026).
Does Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, pay a dividend?
Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, currently shows a dividend yield of 0.40% relative to its recent price (as of Nov 4, 2026).
What is the intrinsic value of Kancelaria Prawna-Inkaso WEC Spólka Akcyjna (KPI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, it is 2.31 PLN per share (as of Nov 4, 2026), against a price of 1.87 PLN. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, stock overvalued or undervalued in 2026?
As of Nov 4, 2026, KPI trades below its calculated fair value: price 1.87 PLN, fair value 2.31 PLN, a gap of about +24% (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 KPI?
No. The price is what the market pays today (1.87 PLN); the fair value is what the company's own numbers justify (2.31 PLN). For Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, the two are 0.4400 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, worth?
The market values Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, at about 17.5M PLN (market capitalisation, as of Nov 4, 2026). Per share that is 1.87 PLN; our models calculate a fair value of 2.31 PLN per share.
What do the bullish and bearish scenarios say about KPI?
Our models span a range for Kancelaria Prawna-Inkaso WEC Spólka Akcyjna,: cautious scenario 1.21 PLN, base 2.31 PLN, optimistic 2.89 PLN per share (as of Nov 4, 2026, price 1.87 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of KPI?
Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, trades at a price-to-earnings ratio of 5.1 (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 2.31 PLN is built from several models across several years. Other multiples: P/B 1.7, P/S 0.9, EV/EBITDA 4.0.
How solid is the balance sheet of Kancelaria Prawna-Inkaso WEC Spólka Akcyjna (KPI)?
Balance-sheet figures for Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, (as of Nov 4, 2026): return on equity 30.6%, debt of 2.62 per unit of equity. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
How far is KPI from its 52-week high?
Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, trades at 1.87 PLN, about 19% below its 52-week high of 2.32 PLN and 15% above the low of 1.63 PLN (as of Nov 4, 2026). Distance from the high says nothing about value: that is what the fair value of 2.31 PLN is for.
Which stocks are comparable to Kancelaria Prawna-Inkaso WEC Spólka Akcyjna,?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, stock attractive at the current price?
The data as of Nov 4, 2026: price 1.87 PLN, calculated fair value 2.31 PLN (+24%), Quality Score 41/100, from 9 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 KPI calculated?
We run Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, through 9 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 2.31 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. Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, currently trades 19% 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 Kancelaria Prawna-Inkaso WEC Spólka Akcyjna (KPI)?
The closing price on Nov 4, 2026 was 1.87 PLN. Our model-based fair value is 2.31 PLN, about +24% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, right now?
A fairly wide model range (1.21 PLN to 2.89 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. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Kancelaria Prawna-Inkaso WEC Spólka Akcyjna,
How large is the market capitalisation of Kancelaria Prawna-Inkaso WEC Spólka Akcyjna (KPI)?
The market capitalisation of Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, is 17.5M PLN (≈ $4.5M). 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 Kancelaria Prawna-Inkaso WEC Spólka Akcyjna (KPI)?
The price-to-sales ratio of Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, is 0.88 (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 Kancelaria Prawna-Inkaso WEC Spólka Akcyjna (KPI)?
Earnings per share at Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, are 0.3700 PLN (price ÷ EPS = P/E 5.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Kancelaria Prawna-Inkaso WEC Spólka Akcyjna (KPI)?
The dividend yield of Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, is 0.4% (payout 2.0%). 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 Kancelaria Prawna-Inkaso WEC Spólka Akcyjna (KPI)?
The net margin of Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, is 15.9% (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 Kancelaria Prawna-Inkaso WEC Spólka Akcyjna (KPI)?
The return on equity (ROE) of Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, is 30.6% (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 Kancelaria Prawna-Inkaso WEC Spólka Akcyjna (KPI)?
On an EBIT basis the return on assets of Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, is 8.3% (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 Kancelaria Prawna-Inkaso WEC Spólka Akcyjna (KPI)?
The operating margin of Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, is 43.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Kancelaria Prawna-Inkaso WEC Spólka Akcyjna (KPI)?
Revenue at Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, is growing +79.3% versus a year earlier (3y avg +8.3%). 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 Kancelaria Prawna-Inkaso WEC Spólka Akcyjna (KPI)?
Earnings per share at Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, are growing +10.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Kancelaria Prawna-Inkaso WEC Spólka Akcyjna (KPI) generate?
The free cash flow of Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, is −8.7M 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 Kancelaria Prawna-Inkaso WEC Spólka Akcyjna (KPI) carry?
The net debt of Kancelaria Prawna-Inkaso WEC Spólka Akcyjna, is 34.9M 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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