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MW Trade S.A. (MWT) fair value: what the stock is really worth

As of Sep 24, 2026: fair value of MW Trade S.A. PLN 2.40, price PLN 2.80, upside -14.3%, quality 44 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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Financial Services · PL · ISIN PLMWTRD00013

MT Thin data Sep 23, 2026

MW Trade S.A.

MWT · WAR

Weak valuationQuality is weak on top of the rich price.

!Fair value 2.40 PLN · Overvalued (−14%)
!Quality 44/100
!Weak Growth (revenue 5y −4.1 %/yr)
!Loss-making · -120.0% net margin (TTM)
!Low debt · negative free cash flow
!Mixed vs. peers (4/10)
!Narrow moat 12/100
!Evidence only low, so the estimate is less certain
!Weak on valuation: 14 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

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

Price vs Fair Value

7.20 PLN 1.66 PLN Fair Value 2.40 PLN Nov 2020 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range 1.66 PLN – 7.20 PLN · fair‑value band 1.58 PLN – 3.00 PLN · the 2.80 PLN price screens above the 2.40 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

M.W. Trade SA provides financial products and services for the public sector in Poland. The company operates through financial activities, rental and sale of wagons, and event activities segments. It also engages in the design, manufacture, and servicing of trailers and semi-trailers, specialized vehicle bodies, and vehicle chassis.

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M.W. Trade SA provides financial products and services for the public sector in Poland. The company operates through financial activities, rental and sale of wagons, and event activities segments. It also engages in the design, manufacture, and servicing of trailers and semi-trailers, specialized vehicle bodies, and vehicle chassis. The company was founded in 2004 and is headquartered in Wroclaw, Poland. M.W. Trade SA operates as a subsidiary of Beyondream Investments Ltd.

Stock analysis

MW Trade S.A. (MWT) currently trades at 2.80 PLN, while our model-based Fair Value estimate is 2.40 PLN, implying the stock looks roughly 16.7% overvalued today.

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Valuation

How firm this estimate is: it rests on 1 models at a data quality of 92/100, which puts the evidence level at low.

Scenario range: 1.58 PLN (bear) to 3.00 PLN (bull), the price of 2.80 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 44/100 (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.

MW Trade S.A. reported revenue of 3.3M PLN in FY2025 versus 1.8M PLN in FY2021, a compound +16.2%/yr. Reported net income was −5.1M PLN in FY2025.

Key figures

Market cap 7.1M PLN (≈ $1.9M) · P/S ratio 1.44 · EPS (TTM) −2.98 PLN · Net margin −120% · Return on equity −42.6% · Return on assets (EBIT) −12.2% · Operating margin −115% · Revenue (TTM) 5.2M PLN.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).

What moves the price

The share trades about 39% below its 52-week high and 24% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at −14%, MWT screens cheaper than that median.

Fair Value models

Bear 1.58 PLN Fair Value 2.40 PLN Bull 3.00 PLN
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. 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
NCAV (Graham) 3.53 PLN 4.73 PLN 7.07 PLN 54
All 1 models by family
Asset-Based
NCAV (Graham) 3.53 PLN 4.73 PLN 7.07 PLN 54

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Quality Score breakdown

Overall quality 44/100

Of which business quality 49 · Market factors (momentum, volatility) 26

Profitability 0
Margins and returns on capital today
Quality Growth 60
Are margins and returns improving?
Cashflow 11
Earnings quality: real cash, not paper profit
Fin. Strength 95
Balance sheet, leverage, solvency risk
Investment 67
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 20
Price trend over the last 3–12 months (market factor)
52W Momentum 12
Distance to the 52-week high (market factor)
Net Issuance 82
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. 0/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+598.3%
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.
+36.6%
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.
−4.1%
Start year 2020 (pandemic). Over 10 years: −20.6% a year
Revenue growth 17 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.
−5.3%
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.
−46.6% (2020) → −175.3% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

MWT screens 17% overvalued. Compare with Visa 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.Credit Services · 331 stocks

Beats the industry median on 3/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 49 · Below median
Fair Value upside −14% · Below median
Profitability
Return on assets −23% · Bottom 25%
Net margin (TTM) −120% · Bottom 25%
Operating margin (TTM) −115% · Bottom 25%
Growth and dividend
Revenue growth 661% · Top 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/B 0.10× · Cheapest 25%
P/S (TTM) 0.36× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)14 · sector 49
FUTURE (revenue growth)100 · sector 36
PAST (return on equity)0 · sector 32
HEALTH (low debt)100 · sector 59
DIVIDEND (yield)0 · sector 68

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 Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Visa Inc V $367.98 $221.29 −40%
Mastercard Incorporated MA $566.08 $359.54 −36%
American Express Company AXP $301.96 $206.40 −32%
Capital One Financial Corporation COF $196.10 $125.36 −36%
Bajaj Finance Limited BAJFINANCE ₹1,043 ₹1,101 +6%
PayPal Holdings PYPL $52.89 $99.46 +88%
Affirm Holdings AFRM $68.09 $16.24 −76%
Shriram Finance Limited SHRIRAMFIN ₹1,011 ₹1,374 +36%
Synchrony Financial, SYF $70.67 $137.28 +94%
SoFi Technologies, Inc SOFI $16.55 $5.57 −66%

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MW Trade S.A. · Fair Value
2.40 PLN −17%Fair Value
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Cite: Fair Value Calculator (2026). "MW Trade S.A. Fair Value". https://www.fairvalue-calculator.com/stock/MWT

Frequently asked questions

Is MW Trade S.A. (MWT) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of 2.40 PLN versus a price of 2.80 PLN, about −14% upside (overvalued).
What is the fair value of MWT?
Our model-based fair value for MW Trade S.A. is 2.40 PLN (as of Sep 23, 2026), built from audited fundamentals. The current price: 2.80 PLN.
What is the quality score of MWT?
MW Trade S.A. has a Quality Score of 44/100. 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 MW Trade S.A. (MWT)?
Our model-based price target is the fair value of 2.40 PLN (as of Sep 23, 2026) from 1 valuation models. Cautious scenario 1.58 PLN, optimistic scenario 3.00 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the MW Trade S.A. stock forecast for 2026?
Our models put fair value at 2.40 PLN, about −14% upside versus a price of 2.80 PLN (overvalued). Cautious scenario 1.58 PLN, optimistic scenario 3.00 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of MW Trade S.A. (MWT)?
MW Trade S.A. reported trailing-twelve-month revenue of about 5.2M PLN (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of MW Trade S.A. (MWT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For MW Trade S.A. it is 2.40 PLN per share (as of Sep 23, 2026), against a price of 2.80 PLN. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is MW Trade S.A. stock overvalued or undervalued in 2026?
As of Sep 23, 2026, MWT trades above its calculated fair value: price 2.80 PLN, fair value 2.40 PLN, a gap of about −14% (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 MWT?
No. The price is what the market pays today (2.80 PLN); the fair value is what the company's own numbers justify (2.40 PLN). For MW Trade S.A. the two are 0.4000 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is MW Trade S.A. worth?
The market values MW Trade S.A. at about 7.1M PLN (market capitalisation, as of Sep 23, 2026). Per share that is 2.80 PLN; our models calculate a fair value of 2.40 PLN per share.
What do the bullish and bearish scenarios say about MWT?
Our models span a range for MW Trade S.A.: cautious scenario 1.58 PLN, base 2.40 PLN, optimistic 3.00 PLN per share (as of Sep 23, 2026, price 2.80 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of MW Trade S.A. (MWT)?
Balance-sheet figures for MW Trade S.A. (as of Sep 23, 2026): return on equity −42.6%. They feed the Quality Score of 44/100, which measures business quality independently of the share price.
How far is MWT from its 52-week high?
MW Trade S.A. trades at 2.80 PLN, about 39% below its 52-week high of 4.60 PLN and 24% above the low of 2.26 PLN (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 2.40 PLN is for.
Which stocks are comparable to MW Trade S.A.?
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 MW Trade S.A. stock attractive at the current price?
The data as of Sep 23, 2026: price 2.80 PLN, calculated fair value 2.40 PLN (−14%), Quality Score 44/100, from 1 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 MWT calculated?
We run MW Trade S.A. through 1 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 2.40 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 13.0 % above its aggregate fair value. MW Trade 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 MW Trade S.A. (MWT)?
The closing price on Sep 24, 2026 was 2.80 PLN. Our model-based fair value is 2.40 PLN, about −14% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with MW Trade S.A. right now?
A fairly wide model range (1.58 PLN to 3.00 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 MW Trade S.A.

How large is the market capitalisation of MW Trade S.A. (MWT)?
The market capitalisation of MW Trade S.A. is 7.1M PLN (≈ $1.9M). 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 MW Trade S.A. (MWT)?
The price-to-sales ratio of MW Trade S.A. is 1.44 (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 MW Trade S.A. (MWT)?
Earnings per share at MW Trade S.A. are −2.98 PLN. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of MW Trade S.A. (MWT)?
The net margin of MW Trade S.A. is −120% (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 MW Trade S.A. (MWT)?
The return on equity (ROE) of MW Trade S.A. is −42.6% (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 MW Trade S.A. (MWT)?
On an EBIT basis the return on assets of MW Trade S.A. is −12.2% (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 MW Trade S.A. (MWT)?
The operating margin of MW Trade S.A. is −115% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at MW Trade S.A. (MWT)?
Revenue at MW Trade S.A. is growing +661% versus a year earlier (3y avg +36.6%). 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 MW Trade S.A. (MWT) generate?
The free cash flow of MW Trade S.A. is −6.3M 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 cash does MW Trade S.A. (MWT) hold?
MW Trade S.A. holds more cash than debt, 11.3M PLN net (fiscal year 2024). The company holds more cash than debt, a safety cushion.
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