PBS Finanse S.A (PBF) Fair Value & Analysis
Financial Services · PL · Market cap 10.5M PLN
Fair value as of: Jun 26, 2026
From 9 valuation models · updated 3 days ago
Share price +68.6% over the past month.
Price vs Fair Value (12 months)
12‑month range 0.4440 PLN – 1.20 PLN · fair‑value band 0.1000 PLN – 0.1700 PLN · the 1.18 PLN price screens above the 0.1400 PLN fair value. As of Jun 26, 2026.
✦ Which stocks are undervalued right now? Check free Discover now →Analysis
PBS Finanse S.A (PBF) currently trades at 1.18 PLN, while our model-based Fair Value estimate is 0.1400 PLN — implying the stock looks roughly 88.1% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services 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, PBS Finanse S.A 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 stock trades on a trailing P/E of 100.0. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
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.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
PBS Finanse S.A 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.
Open the full interactive analysis →
Similar stocks
6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | 5,663 MXN | 3,063 MXN | -46% |
| Mastercard Incorporated MA | C$29.95 | C$10.05 | -66% |
| M4I M4I | €430.50 | €317.57 | -26% |
| American Express Company AXP | C$28.87 | C$23.85 | -17% |
| Capital One Financial Corporation COF | $183.20 | $122.33 | -33% |
| Bajaj Finance Limited BAJFINANCE | ₹968.30 | ₹720.78 | -26% |
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is PBS Finanse S.A (PBF) undervalued?
What is the fair value of PBF?
What is the quality score of PBF?
What is the revenue of PBS Finanse S.A (PBF)?
What is the net profit margin of PBF?
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.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.