PBS Finanse SA (PBF) Fair Value & Analysis
Financial Services · PL · Market cap 12.0M PLN (≈ $3.2M) · ISIN PLBEFSN00010
What is PBS Finanse SA really worth?
A solid business, but trading 593% above our fair value of 0.1400 PLN.
Risks
Fair value as of: Sep 5, 2026
From 6 valuation models · updated today
Fair value updated Sep 5, 2026, revised from 0.0300 PLN to 0.1400 PLN (+366.7%) since Aug 13, 2026. Share price −15.7% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case (0.1700 PLN). The favourable scenario is already priced in.
- 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 but not exceptional quality (58/100) 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 5, 2026.
How to read this chart
60‑month range 0.1310 PLN – 2.00 PLN · fair‑value band 0.1000 PLN – 0.1700 PLN · the 0.9700 PLN price screens above the 0.1400 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 5, 2026.
Analysis
PBS Finanse SA (PBF) currently trades at 0.9700 PLN, while our model-based Fair Value estimate is 0.1400 PLN, implying the stock looks roughly 593.0% overvalued today. The Quality Score stands at 58/100 (solid quality), in the Financial Services sector. Bull case: the Asset-Based group reads highest at a median of 0.5700 PLN per share, and 0 of the 6 models we run sit above the 0.9700 PLN price. Bear case: the Earnings-Based group reads lowest at 0.0800 PLN, and 6 of the 6 models stay below the price. Evidence for this calculation is low.
Over the trailing twelve months, PBS Finanse SA generated revenue of 3.6M PLN at a net margin of 3.1%. Revenue declined 66.9% year over year. It earns a return on equity of 1.3%. The balance sheet holds a net cash position of 1.9M PLN. Fundamentals as of Sep 5, 2026
Our scenario range runs from 0.1000 PLN (bear case) to 0.1700 PLN (bull case); at 0.9700 PLN, 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 19% below its 52-week high and 118% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −48% fair-value upside, at −86%, PBF screens richer than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly 0.0068 PLN per share, which is 4.9 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
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.
All 6 models by family
Widest divergence: Asset-Based (0.5700 PLN) versus Earnings-Based (0.0800 PLN). Highest evidence: Residual Income (71).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Sep 5, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 58 · Market factors (momentum, volatility) 62
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
PBS Finanse S.A. engages in real estate rental business in Poland. PBS Finanse S.A. was founded in 1991 and is based in Sanok, Poland.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
PBS Finanse SA reported revenue of 3.6M PLN in FY2025 versus 1.2M PLN in FY2021, a compound +32.3%/yr. Reported net income was 110K PLN in FY2025.
PBF screens 593% overvalued. Compare with Visa Inc →
Peer Group
Credit Services · 326 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.
Valuation Multiples vs Credit Services median · lower = cheaper
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.
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.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Sep 5, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $379.66 | $198.27 | −48% |
| Mastercard Incorporated MA | $591.73 | $221.87 | −63% |
| American Express Company AXP | $334.16 | $206.40 | −38% |
| Capital One Financial Corporation COF | $215.67 | $117.51 | −46% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | −64% |
| PayPal Holdings PYPL | $61.47 | $77.12 | +25% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,134 | ₹553.82 | −51% |
| Synchrony Financial, SYF | $78.05 | $137.28 | +76% |
| SoFi Technologies, Inc SOFI | $18.06 | $5.02 | −72% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,866 | ₹796.47 | −57% |
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