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Eduform'action Société Anonyme (MLEFA) Fair Value & Analysis

Financials · FR · Market cap €6.7M

EA Eduform'action Société Anonyme MLEFA · PA
Price€0.2740
Fair Value€0.1200
Upside-56.2%
Quality47/100
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Mixed Growth
Thin margins · 1.4% net margin
Low debt · negative free cash flow
Trails peers (1/12)
Narrow moat 26/100
Evidence: Medium Range €0.0900 – €0.1400 Share as image

Fair value as of: Jul 12, 2026

From 6 valuation models · updated 28 days ago

Fair value updated Jul 12, 2026, revised from €0.1500 to €0.1200 (−20.0%) since Jun 26, 2026. Share price +8.7% over the past month.

Below-average quality, and screening another 56% overvalued on our models.

What matters now

  • The price sits above even our optimistic bull case (€0.1400). 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.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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Price vs Fair Value (5 years)

€1.50 €0.1260 Fair Value €0.1200 Mar 2015 Jul 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 12, 2026.

How to read this chart

60‑month range €0.1260 – €1.50 · fair‑value band €0.0900 – €0.1400 · the €0.2740 price screens above the €0.1200 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 12, 2026.

Full chart & analysis →

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Analysis

Eduform'action Société Anonyme (MLEFA) currently trades at €0.2740, while our model-based Fair Value estimate is €0.1200, implying the stock looks roughly 56.2% overvalued today. The Quality Score stands at 47/100 (below-average quality), in the Financials sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).

Over the trailing twelve months, Eduform'action Société Anonyme generated revenue of €12.1M at a net margin of 1.4%. It earns a return on equity of 1.3%. The balance sheet holds a net cash position of €2.3M. The stock trades on a trailing P/E of 26.2. Fundamentals as of Jul 12, 2026

Our scenario range runs from €0.0900 (bear case) to €0.1400 (bull case); at €0.2740, the current price sits above 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. The share trades about 44% below its 52-week high and 25% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financials peers we cover trades at -12% fair-value upside, at -56%, MLEFA screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted 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.

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
P/E Multiple €0.0900 €0.1200 €0.1400 63
Residual Income €0.2200 €0.2000 €0.1400 61
P/B Multiple €0.1100 €0.1500 €0.1900 55
All 6 models by family
Earnings-Based
Graham-Dodd €0.0600 €0.4200 €0.5900 54
Lynch FV €0.2200 €0.3100 €0.4000 50
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 50
Economic Profit
Residual Income €0.2200 €0.2000 €0.1400 61

Widest divergence: Earnings-Based (€0.3100) versus Multiples (€0.1200). Highest evidence: P/E Multiple (63).

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Key figures & financial health

Revenue (TTM) €12.1M
Net margin 1.4%
Return on equity 1.3%
Free cash flow −€506K FY2025
P/E ratio 26.2
Operating margin 0.6%
More key figures
EPS (TTM) €0.0100
Net cash €2.3M FY2025

Figures from reported company fundamentals · as of Jul 12, 2026. TTM = trailing twelve months.

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
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.

About the company

Eduform'action Société Anonyme 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.

Full company description

Eduform'action Société Anonyme 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 Société Anonyme was incorporated in 2022 and is headquartered in Boulogne-Billancourt, France.

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

Revenue & earnings trend

FY2018 – FY2025 · reported fiscal years

Eduform'action Société Anonyme 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.

Growth Quality 50/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
€11.6M
Latest YoY
+6.1%
Avg. growth/yr (3Y) 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.
+39.2%
Avg. growth/yr (16Y) 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.
+37.7%
Revenue +51.4%/yr
FY18 €640K
FY22 €4.3M
FY23 €11.7M
FY24 €11.0M
FY25 €11.6M
Net income +9.9%/yr
FY18 €90.0K
FY22 −€374K
FY23 −€16.0K
FY24 €28.0K
FY25 €174K

MLEFA screens 56% overvalued. Compare with Fondul Proprietatea SA →

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Cite: Fair Value Calculator (2026). "Eduform'action Société Anonyme Fair Value". https://www.fairvalue-calculator.com/stock/MLEFA

Peer Group

Asset Management · 971 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 49 · Below median
Fair Value upside −56% · Bottom 25%
Return on equity (TTM) 1% · Below median
Return on assets 0% · Below median
Net margin (TTM) 1% · Below median
Operating margin (TTM) 1% · Bottom 25%
Revenue growth 0% · Below median
Debt / equity 0.26× · Higher than median

Valuation Multiples vs Asset Management median · lower = cheaper

P/E (TTM) 34.2× · Pricier than 75% of peers
P/B 1.16× · Pricier than median
P/S (TTM) 0.64× · Cheaper than 75% of peers
EV/EBITDA 14.6× · Pricier than median

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.

VALUE 0 · sector 37
FUTURE 0 · sector 6
PAST 5 · sector 26
HEALTH 87 · sector 95
DIVIDEND 0 · sector 69

VALUE 0: the price sits above our fair-value range.

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Asset Management stocks, each showing price versus our Fair Value estimate (as of Jul 12, 2026).

Stock Price Fair Value vs Fair Value
Fondul Proprietatea SA FP $0.0420 $0.0800 +90%
BlackRock, Inc BLK $1,136 $465.75 -59%
Blackstone Inc BX $124.56 $16.35 -87%
Investor AB INVEB kr 423.70 kr 847.40 +100%
Brookfield Corporation BN C$62.45 C$10.12 -84%
KKR & Co KKR $100.94 $44.88 -56%
AB Industrivärden INDUA kr 532.50 kr 1,065 +100%
Jio Financial Services Limited JIOFIN ₹242.98 ₹40.19 -83%
Hedef Holding HEDEF 267.25 TRY 320.98 TRY +20%
Bajaj Holdings BAJAJHLDNG ₹10,398 ₹9,202 -12%

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Frequently asked questions

Is Eduform'action Société Anonyme (MLEFA) overvalued or undervalued?
As of Jul 12, 2026, our model estimates a fair value of €0.1200 versus a price of €0.2740, about −56% (overvalued).
What is the fair value of MLEFA?
Our model-based fair value for Eduform'action Société Anonyme is €0.1200 (as of Jul 12, 2026), built from audited fundamentals. The current price is €0.2740.
What is the quality score of MLEFA?
Eduform'action Société Anonyme 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 revenue of Eduform'action Société Anonyme (MLEFA)?
Eduform'action Société Anonyme reported trailing-twelve-month revenue of about €12.1M (latest available figure, as of Jul 12, 2026).
What is the net profit margin of MLEFA?
The net profit margin of Eduform'action Société Anonyme is about 1.4%, meaning it keeps roughly 1.4% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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