PYRAMID AG NA KONV. (M3B0) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of PYRAMID AG NA KONV. €0.38, price €1.41, upside -73.1%, quality 42 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 27, 2026.
How to read this chart
60‑month range €1.23 – €12.80 · fair‑value band €0.2000 – €0.4800 · the €1.41 price screens above the €0.3800 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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Pyramid AG engages in the development and manufacture of information technology solutions for the retail, financial, and industrial market. The company provides hardware solutions, including interactive kiosks, and network and security server, and self-service terminals.
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Pyramid AG engages in the development and manufacture of information technology solutions for the retail, financial, and industrial market. The company provides hardware solutions, including interactive kiosks, and network and security server, and self-service terminals. The company also offers touchscreen devices for point-of-sale and point-of-service applications. In addition, it provides scalable and future-proof solutions such as immutable storage and hybrid cloud integrations. The company was formerly known as Pyramid Computer GmbH. Pyramid AG was founded in 1985 and is based in Munich, Germany.
Stock analysis
PYRAMID AG NA KONV. (M3B0) currently trades at €1.41, while our model-based Fair Value estimate is €0.3800, 73.1% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of €0.6100 per share, and 0 of the 6 models we run sit above the €1.41 price.
Bear case: the Asset-Based group reads lowest at €0.1600, and 6 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: €0.2000 (bear) to €0.4800 (bull), the price of €1.41 sits above 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 42/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
PYRAMID AG NA KONV. reported revenue of €74.5M in FY2025 versus €429K in FY2021, a compound +263.1%/yr. Reported net income was €100K in FY2025.
Key figures
Market cap €7.7M · P/S ratio 0.10 · EPS (TTM) €−0.6200 · Net margin 0.1% · Return on equity −9.2% · Return on assets (EBIT) 0.8% · Operating margin −2.7% · Revenue (TTM) €77.8M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 70% 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 −15% fair-value upside, at −73%, M3B0 screens richer than that median.
Fair Value models
Bear €0.2000Fair Value €0.3800Bull €0.4800
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. 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.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.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+9.1%
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.
−6.7%
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.
+124.2%
Start year 2020 (pandemic). Over 10 years: +32.4% a year
Revenue growth 19 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.
+42.7%
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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.
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.Asset Management · 657 stocks
Beats the industry median on 1/7 measures
Overall it trails its industry peers.
Valuation
Quality Score42 · Bottom 25%
Fair Value upside−73.0% · Bottom 25%
Profitability
Return on assets−1.6% · Bottom 25%
Net margin (TTM)−4.9% · Bottom 25%
Operating margin (TTM)−2.7% · Bottom 25%
Growth and dividend
Revenue growth30.5% · Above median
Balance sheet
Debt / equity4.74× · Highest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 60
FUTURE (revenue growth)100· sector 35
PAST (return on equity)0· sector 21
HEALTH (low debt)0· sector 95
DIVIDEND (yield)0· sector 81
VALUE 0: the price sits above our fair-value range.
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). "PYRAMID AG NA KONV. Fair Value". https://www.fairvalue-calculator.com/stock/M3B0
Frequently asked questions
Is PYRAMID AG NA KONV. (M3B0) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of €0.3800 versus a price of €1.41, about −73% upside (overvalued).
What is the fair value of M3B0?
Our model-based fair value for PYRAMID AG NA KONV. is €0.3800 (as of Sep 27, 2026), built from audited fundamentals. The current price: €1.41.
What is the quality score of M3B0?
PYRAMID AG NA KONV. has a Quality Score of 42/100. 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 PYRAMID AG NA KONV. (M3B0)?
Our model-based price target is the fair value of €0.3800 (as of Sep 27, 2026) from 6 valuation models. Cautious scenario €0.2000, optimistic scenario €0.4800. It is a calculation from audited fundamentals, not an analyst target.
What is the PYRAMID AG NA KONV. stock forecast for 2026?
Our models put fair value at €0.3800, about −73% upside versus a price of €1.41 (overvalued). Cautious scenario €0.2000, optimistic scenario €0.4800. The calculation is refreshed regularly with new filings.
What is the revenue of PYRAMID AG NA KONV. (M3B0)?
PYRAMID AG NA KONV. reported trailing-twelve-month revenue of about €77.8M (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of PYRAMID AG NA KONV. (M3B0)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For PYRAMID AG NA KONV. it is €0.3800 per share (as of Sep 27, 2026), against a price of €1.41. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is PYRAMID AG NA KONV. stock overvalued or undervalued in 2026?
As of Sep 27, 2026, M3B0 trades above its calculated fair value: price €1.41, fair value €0.3800, a gap of about −73% (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 M3B0?
No. The price is what the market pays today (€1.41); the fair value is what the company's own numbers justify (€0.3800). For PYRAMID AG NA KONV. the two are €1.03 per share apart. That gap is exactly why we show both numbers side by side.
How much is PYRAMID AG NA KONV. worth?
The market values PYRAMID AG NA KONV. at about €7.7M (market capitalisation, as of Sep 27, 2026). Per share that is €1.41; our models calculate a fair value of €0.3800 per share.
What do the bullish and bearish scenarios say about M3B0?
Our models span a range for PYRAMID AG NA KONV.: cautious scenario €0.2000, base €0.3800, optimistic €0.4800 per share (as of Sep 27, 2026, price €1.41). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of PYRAMID AG NA KONV. (M3B0)?
Balance-sheet figures for PYRAMID AG NA KONV. (as of Sep 27, 2026): return on equity −9.2%, debt of 4.74 per unit of equity. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is M3B0 from its 52-week high?
PYRAMID AG NA KONV. trades at €1.41, about 70% below its 52-week high of €4.74 and 15% above the low of €1.23 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of €0.3800 is for.
Which stocks are comparable to PYRAMID AG NA KONV.?
From the same area (Financial Services) we also value Blackstone Inc, KKR & Co, Brookfield Corporation, Apollo Global Management, 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 PYRAMID AG NA KONV. stock attractive at the current price?
The data as of Sep 27, 2026: price €1.41, calculated fair value €0.3800 (−73%), Quality Score 42/100, from 6 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 M3B0 calculated?
We run PYRAMID AG NA KONV. through 6 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 €0.3800, 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 14.5 % above its aggregate fair value. PYRAMID AG NA KONV. 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 PYRAMID AG NA KONV. (M3B0)?
The closing price on Oct 2, 2026 was €1.41. Our model-based fair value is €0.3800, about −73% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with PYRAMID AG NA KONV. right now?
The price sits above even our optimistic bull case (€0.4800). The favourable scenario is already priced in. Weak quality (42/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range (€0.2000 to €0.4800) leaves room in how you read the outcome.
Key figures of PYRAMID AG NA KONV.
How large is the market capitalisation of PYRAMID AG NA KONV. (M3B0)?
The market capitalisation of PYRAMID AG NA KONV. is €7.7M. 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 PYRAMID AG NA KONV. (M3B0)?
The price-to-sales ratio of PYRAMID AG NA KONV. is 0.10 (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 PYRAMID AG NA KONV. (M3B0)?
Earnings per share at PYRAMID AG NA KONV. are €−0.6200. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of PYRAMID AG NA KONV. (M3B0)?
The net margin of PYRAMID AG NA KONV. is 0.1% (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 PYRAMID AG NA KONV. (M3B0)?
The return on equity (ROE) of PYRAMID AG NA KONV. is −9.2% (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 PYRAMID AG NA KONV. (M3B0)?
On an EBIT basis the return on assets of PYRAMID AG NA KONV. is 0.8% (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 PYRAMID AG NA KONV. (M3B0)?
The operating margin of PYRAMID AG NA KONV. is −2.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at PYRAMID AG NA KONV. (M3B0)?
Revenue at PYRAMID AG NA KONV. is growing +30.5% versus a year earlier (3y avg −6.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does PYRAMID AG NA KONV. (M3B0) generate?
The free cash flow of PYRAMID AG NA KONV. is −€10.1M (fiscal year 2024). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does PYRAMID AG NA KONV. (M3B0) carry?
The net debt of PYRAMID AG NA KONV. is €11.1M (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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