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Eduform'action S.A. (MLEFA) fair value: what the stock is really worth

As of Jul 21, 2026: fair value of Eduform'action S.A. €0.23, price €0.27, upside -16.1%, quality 47 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financials · FR

E3 Thin data Sep 24, 2026

Eduform'action S.A.

MLEFA · PA

Weak valuationQuality is weak on top of the rich price.

!Fair value €0.2300 · Overvalued (−16.1%)
!Quality 47/100
!Mixed Growth (revenue 3y +39.2 %/yr)
!Thin margins · 1.4% net margin (TTM)
!Low debt · negative free cash flow
!Trails peers (1/12)
!Narrow moat 26/100
!Evidence only low, so the estimate is less certain
!Weak on valuation: 12 out of 100
!Weak on past: 5 out of 100
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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

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Price vs Fair Value

€1.50 €0.1260 Fair Value €0.2300 Mar 2015 Jul 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range €0.1260 – €1.50 · fair‑value band €0.0900 – €0.2300 · the €0.2740 price screens above the €0.2300 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

Eduform'action provides education and training services in France. It offers training programs in the fields of digital and technology; health and services; transitions and repositioning; and housing and energy renovation. The company was formerly known as MonFinancier SAS.

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Eduform'action provides education and training services in France. It offers training programs in the fields of digital and technology; health and services; transitions and repositioning; and housing and energy renovation. The company was formerly known as MonFinancier SAS. Eduform'action was incorporated in 2022 and is headquartered in Boulogne-Billancourt, France.

Stock analysis

Eduform'action S.A. (MLEFA) currently trades at €0.2740, while our model-based Fair Value estimate is €0.2300, 16.1% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of €0.2300 per share, and 1 of the 6 models we run sit above the €0.2740 price.

Bear case: the Multiples group reads lowest at €0.1200, and 5 of the 6 models stay below the price. Evidence for this calculation is low.

Scenario range: €0.0900 (bear) to €0.2300 (bull), the price of €0.2740 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 47/100 (below-average quality), in the Financials sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Eduform'action S.A. reported revenue of €11.6M in FY2025 versus €640K in FY2018, a compound +51.4%/yr. Reported net income was €174K in FY2025, compounding +9.9%/yr from FY2018.

Key figures

Market cap €6.7M · P/E ratio 27.4 · P/S ratio 0.41 · EPS (TTM) €0.0100 · Net margin 1.5% · Return on equity 1.3% · Return on assets (EBIT) 4.0% · Operating margin 0.6%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).

What moves the price

The share trades about 37% below its 52-week high and 9% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financials peers we cover trades at −22% fair-value upside, at −16%, MLEFA screens cheaper than that median.

Fair Value models

Bear €0.0900 Fair Value €0.2300 Bull €0.2300
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. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (€0.0076 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. 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.
Highest evidence
Residual Income €0.2400 €0.2300 €0.2300 71
Graham-Dodd €0.0600 €0.4200 €0.5900 63
P/E Multiple €0.0900 €0.1200 €0.1400 63
All 6 models by family
Earnings-Based
Graham-Dodd €0.0600 €0.4200 €0.5900 63
Lynch FV €0.1400 €0.2000 €0.2700 61
Multiples
P/E Multiple €0.0900 €0.1200 €0.1400 63
P/B Multiple €0.1100 €0.1500 €0.1900 55
Asset-Based
NCAV (Graham) €0.1700 €0.2300 €0.3400 54
Economic Profit
Residual Income €0.2400 €0.2300 €0.2300 71

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Quality Score breakdown

Overall quality 47/100

Of which business quality 50 · Market factors (momentum, volatility) 24

Profitability 34
Margins and returns on capital today
Quality Growth 59
Are margins and returns improving?
Cashflow 27
Earnings quality: real cash, not paper profit
Fin. Strength 72
Balance sheet, leverage, solvency risk
Investment 70
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 18
Price trend over the last 3–12 months (market factor)
52W Momentum 6
Distance to the 52-week high (market factor)
Net Issuance 51
Share count: buybacks or dilution?

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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. 50/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+6.1%
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.
+39.2%
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.
+37.7%
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.
−152.2% (2011) → 3.7% (2025)

MLEFA screens overvalued: fair value 16% below the price. Compare with Blackstone 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.Asset Management · 657 stocks

Beats the industry median on 1/12 measures
Overall it trails its industry peers.
Valuation
Quality Score 49 · Below median
Fair Value upside −16.1% · Below median
Profitability
Return on equity (TTM) 1.3% · Below median
Return on assets 0.3% · Below median
Net margin (TTM) 1.4% · Bottom 25%
Operating margin (TTM) 0.6% · Bottom 25%
Growth and dividend
Revenue growth 0.0% · Below median
Balance sheet
Debt / equity 0.26× · Above median

Valuation Multiplesvs Asset Management median · lower = cheaper

P/E (TTM) 27.4× · Priciest 25%
P/B 1.00× · Pricier than median
P/S (TTM) 0.56× · Cheapest 25%
EV/EBITDA 11.8× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)12 · sector 60
FUTURE (revenue growth)0 · sector 35
PAST (return on equity)5 · sector 22
HEALTH (low debt)87 · sector 95
DIVIDEND (yield)0 · sector 81

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 Asset Management stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Blackstone Inc BX $112.09 $52.29 −53%
KKR & Co KKR $93.18 $29.26 −69%
Brookfield Corporation BN $36.87 $13.45 −64%
State Street Corporation STT $177.78 $139.37 −22%
Ameriprise Financial, Inc AMP $494.82 $595.40 +20%
Ares Management Corporation ARES $122.01 $103.68 −15%
Northern Trust Corporation NTRS $175.73 $123.42 −30%
Raymond James Financial, Inc RJF $161.16 $317.27 +97%
Exor N.V EXO €68.10 €136.20 +100%
Principal Financial Group PFG $112.24 $47.18 −58%

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Eduform'action S.A. · Fair Value
€0.2300 −16%Fair Value
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Cite: Fair Value Calculator (2026). "Eduform'action S.A. Fair Value". https://www.fairvalue-calculator.com/stock/MLEFA

Frequently asked questions

Is Eduform'action S.A. (MLEFA) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of €0.2300 versus the last price from Jul 21, 2026 of €0.2740, about −16% upside (overvalued).
What is the fair value of MLEFA?
Our model-based fair value for Eduform'action S.A. is €0.2300 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Jul 21, 2026): €0.2740.
What is the quality score of MLEFA?
Eduform'action S.A. has a Quality Score of 47/100. 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 Eduform'action S.A. (MLEFA)?
Our model-based price target is the fair value of €0.2300 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario €0.0900, optimistic scenario €0.2300. It is a calculation from audited fundamentals, not an analyst target.
What is the Eduform'action S.A. stock forecast for 2026?
Our models put fair value at €0.2300, about −16% upside versus the last price from Jul 21, 2026 of €0.2740 (overvalued). Cautious scenario €0.0900, optimistic scenario €0.2300. The calculation is refreshed regularly with new filings.
What is the revenue of Eduform'action S.A. (MLEFA)?
Eduform'action S.A. reported trailing-twelve-month revenue of about €12.1M (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Eduform'action S.A. (MLEFA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Eduform'action S.A. it is €0.2300 per share (as of Sep 24, 2026), against a price of €0.2740. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Eduform'action S.A. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, MLEFA trades above its calculated fair value: price €0.2740, fair value €0.2300, a gap of about −16% (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 MLEFA?
No. The price is what the market pays today (€0.2740); the fair value is what the company's own numbers justify (€0.2300). For Eduform'action S.A. the two are €0.0440 per share apart. That gap is exactly why we show both numbers side by side.
How much is Eduform'action S.A. worth?
The market values Eduform'action S.A. at about €6.7M (market capitalisation, as of Sep 24, 2026). Per share that is €0.2740; our models calculate a fair value of €0.2300 per share.
What do the bullish and bearish scenarios say about MLEFA?
Our models span a range for Eduform'action S.A.: cautious scenario €0.0900, base €0.2300, optimistic €0.2300 per share (as of Sep 24, 2026, price €0.2740). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MLEFA?
Eduform'action S.A. trades at a price-to-earnings ratio of 27.4 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €0.2300 is built from several models across several years. Other multiples: P/B 1.0, P/S 0.6, EV/EBITDA 11.8.
How solid is the balance sheet of Eduform'action S.A. (MLEFA)?
Balance-sheet figures for Eduform'action S.A. (as of Sep 24, 2026): return on equity 1.3%, debt of 0.26 per unit of equity. They feed the Quality Score of 47/100, which measures business quality independently of the share price.
How far is MLEFA from its 52-week high?
Eduform'action S.A. trades at €0.2740, about 37% below its 52-week high of €0.4380 and 9% above the low of €0.2520 (as of Jul 21, 2026). Distance from the high says nothing about value: that is what the fair value of €0.2300 is for.
Which stocks are comparable to Eduform'action S.A.?
From the same area (Financials) we also value Blackstone Inc, KKR & Co, Brookfield Corporation, State Street 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 Eduform'action S.A. stock attractive at the current price?
The data as of Sep 24, 2026: price €0.2740, calculated fair value €0.2300 (−16%), Quality Score 47/100, 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 MLEFA calculated?
We run Eduform'action S.A. 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 €0.2300, 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. Eduform'action S.A. 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 Eduform'action S.A. (MLEFA)?
The latest price we hold is from Jul 21, 2026 and stands at €0.2740. Our model-based fair value is €0.2300, about −16% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Eduform'action S.A. right now?
The price sits above even our optimistic bull case (€0.2300). The favourable scenario is already priced in. Solid but not exceptional quality (47/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (€0.0900 to €0.2300) 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 Eduform'action S.A.

How large is the market capitalisation of Eduform'action S.A. (MLEFA)?
The market capitalisation of Eduform'action S.A. is €6.7M. 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 Eduform'action S.A. (MLEFA)?
The price-to-sales ratio of Eduform'action S.A. is 0.41 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Eduform'action S.A. (MLEFA)?
Earnings per share at Eduform'action S.A. are €0.0100 (price ÷ EPS = P/E 27.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Eduform'action S.A. (MLEFA)?
The net margin of Eduform'action S.A. is 1.5% (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 Eduform'action S.A. (MLEFA)?
The return on equity (ROE) of Eduform'action S.A. is 1.3% (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 Eduform'action S.A. (MLEFA)?
On an EBIT basis the return on assets of Eduform'action S.A. is 4.0% (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 Eduform'action S.A. (MLEFA)?
The operating margin of Eduform'action S.A. is 0.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How much free cash flow does Eduform'action S.A. (MLEFA) generate?
The free cash flow of Eduform'action S.A. is −€506K (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Eduform'action S.A. (MLEFA) hold?
Eduform'action S.A. holds more cash than debt, €2.3M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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