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Marna Beteiligungen AG (M5S) Fair Value & Analysis

Financial Services · DE · Market cap €414K · ISIN DE000A0H1GY2

What is Marna Beteiligungen AG really worth?

MB Marna Beteiligungen AG M5S · XETRA
Price€0.0715
Fair Value€0.1170
Upside+63.6%
Quality52/100

A solid business, trading 39% below our fair value of €0.1170.

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Strengths

generates free cash flow

Risks

!Mixed Growth (revenue 5y +45.1 %/yr)
!Mixed vs. peers (4/9)
!Narrow moat 10/100
!Evidence only low, so the estimate is less certain
Evidence: Low Range €0.0720 – €0.1980

Fair value as of: Aug 31, 2026

From 2 valuation models · updated 4 days ago

Fair value updated Aug 31, 2026, revised from €0.0473 to €0.1170 (+147.6%) since Aug 28, 2026. Share price −4.7% over the past month.

What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

What matters now

  • The model range is unusually wide (€0.0720 to €0.1980). The outcome hinges heavily on assumptions, so read the point estimate with caution.
  • The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
  • Solid quality (52/100) at a price below fair value, the discount is the argument here, not the business quality.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (4 years)

€3.56 €0.0350 Fair Value €0.1170 Jul 2022 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 31, 2026.

How to read this chart

49‑month range €0.0350 – €3.56 · fair‑value band €0.0720 – €0.1980 · the €0.0715 price screens below the €0.1170 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 31, 2026.

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Analysis

Marna Beteiligungen AG (M5S) currently trades at €0.0715, while our model-based Fair Value estimate is €0.1170, implying the stock looks roughly 38.9% undervalued today. The Quality Score stands at 52/100 (solid quality), in the Financial Services sector. How firm this estimate is: it rests on 6 models at a data quality of 88/100, which puts the evidence level at low.

Revenue grew 48.1% year over year. Fundamentals as of Aug 31, 2026

Our scenario range runs from €0.0720 (bear case) to €0.1980 (bull case); at €0.0715, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 64%, M5S screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.

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
Highest evidence
Growth DCF best evidence €0.0500 €0.0900 €0.1300 72
NCAV (Graham) €0.0200 €0.0300 €0.0500 50
All 2 models by family
Asset-Based
NCAV (Graham) €0.0200 €0.0300 €0.0500 50
Growth DCF
Growth DCF best evidence €0.0500 €0.0900 €0.1300 72

Widest divergence: Growth DCF (€0.0900) versus Asset-Based (€0.0300). Highest evidence: Growth DCF (72).

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Key figures & financial health

P/S ratio 0.89 TTM
EPS (TTM) €−0.0500
Net margin −239% TTM
Return on equity −108% TTM
Return on assets (EBIT) −5.5% avg 5y
Operating margin −63.1% TTM
More key figures
Growth
Revenue growth (YoY) +48.1% 3y avg +123%
Balance sheet & cash flow
Free cash flow €54.3K FY2023

Figures from reported company fundamentals · as of Aug 31, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 52/100

Of which business quality 54 · Market factors (momentum, volatility) 8

Profitability 2
Margins and returns on capital today
Quality Growth 7
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 50
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 24
Calm price path (market factor)
Momentum 0
Price trend over the last 3–12 months (market factor)
52W Momentum 3
Distance to the 52-week high (market factor)
Net Issuance 82
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.

About the company

H2 Core AG, an investment company, engages in acquiring, managing, and selling investments in corporations and partnerships in Germany. The company was formerly known as MARNA Beteiligungen AG and changed its name to H2 Core AG in June 2024. H2 Core AG was founded in 2006 and is based in Heidelberg, Germany.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2019 – FY2023 · reported fiscal years

Marna Beteiligungen AG reported revenue of €80.5K in FY2023 versus €18.6K in FY2019, a compound +44.1%/yr. Reported net income was −€301K in FY2023.

Growth Quality 53/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2023)
€80.5K
Latest YoY
−23.9%
Avg. revenue growth/yr (5Y) 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.
+45.1%
Value creation/yr We only publish this rate when it is defensible. Reason: fiscal 2023 is a loss year, no rate is defined from a loss
not computed
Revenue +44.1%/yr
FY19 €18.6K
FY20 €7.3K
FY21 €168K
FY22 €106K
FY23 €80.5K
Net income
FY19 −€355K
FY20 −€78.7K
FY21 €29.0K
FY22 −€87.3K
FY23 −€301K

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Cite: Fair Value Calculator (2026). "Marna Beteiligungen AG Fair Value". https://www.fairvalue-calculator.com/stock/M5S

Peer Group

Asset Management · 722 stocks

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.

Quality Score 52 · Below median
Fair Value upside +68% · Top 25%
Return on assets −13% · Bottom 25%
Operating margin (TTM) −63% · Bottom 25%
Revenue growth 48% · Top 25%

Valuation Multiples vs Asset Management median · lower = cheaper

P/B 0.87× · Cheaper than median
P/S (TTM) 0.47× · Cheaper than 75% of peers
P/FCF 8.9× · Pricier than median

Strength profile in five axes (Snowflake)

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE100 · sector 40
FUTURE100 · sector 14
PAST0 · sector 22
HEALTH0 · sector 96
DIVIDEND0 · sector 81

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 Asset Management stocks, each showing price versus our Fair Value estimate (as of Aug 31, 2026).

Stock Price Fair Value vs Fair Value
Blackstone Inc BX $142.39 $52.88 −63%
Investor AB INVEB kr 417.20 kr 824.66 +98%
Brookfield Corporation BN C$58.60 C$7.74 −87%
KKR & Co KKR $108.68 $19.97 −82%
Apollo Global Management, Inc APO $135.04 $101.04 −25%
State Street Corporation STT $193.33 $138.33 −28%
Ameriprise Financial, Inc AMP $559.32 $515.24 −8%
Ares Management Corporation ARES $143.10 $30.88 −78%
Northern Trust Corporation NTRS $186.79 $122.02 −35%
Raymond James Financial, Inc RJF $176.69 $142.42 −19%

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Frequently asked questions

Is Marna Beteiligungen AG (M5S) overvalued or undervalued?
As of Aug 31, 2026, our model estimates a fair value of €0.1170 versus a price of €0.0715, about +64% upside (undervalued).
What is the fair value of M5S?
Our model-based fair value for Marna Beteiligungen AG is €0.1170 (as of Aug 31, 2026), built from audited fundamentals. The current price: €0.0715.
What is the quality score of M5S?
Marna Beteiligungen AG has a Quality Score of 52/100. 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.
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