A.F.P. Planvital S.A. (PLANVITAL) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of A.F.P. Planvital S.A. CLP 548, price CLP 280, upside +95.9%, quality 74 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
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 1.64 CLP – 302.41 CLP · fair‑value band 326.58 CLP – 905.02 CLP · the 280.00 CLP price screens below the 548.42 CLP 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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Administradora de Fondos de Pensiones PlanVital S.A. is a privately owned investment manager. The firm manages pension funds and individual retirement accounts. It makes its investments in the public equity markets of Chile. Administradora de Fondos de Pensiones PlanVital S.A was founded in 1981 and is based in Santiago, Chile.
Stock analysis
A.F.P. Planvital S.A. (PLANVITAL) currently trades at 280.00 CLP, while our model-based Fair Value estimate is 548.42 CLP, implying the stock looks roughly 48.9% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 577.92 CLP per share, and 9 of the 11 models we run sit above the 280.00 CLP price.
Bear case: the Multiples group reads lowest at 109.22 CLP, and 2 of the 11 models stay below the price. Evidence for this calculation is low.
Scenario range: 326.58 CLP (bear) to 905.02 CLP (bull), the price of 280.00 CLP sits below 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 74/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
A.F.P. Planvital S.A. reported revenue of 132B CLP in FY2025 versus 79.2B CLP in FY2021, a compound +13.6%/yr. Reported net income was 68.2B CLP in FY2025, compounding +27.7%/yr from FY2021.
Key figures
Market cap 570B CLP (≈ $570M) · P/S ratio 3.71 · EPS (TTM) 0.0300 CLP · Net margin 51.8% · Return on equity 43.2% · Return on assets (EBIT) 36.0% · Operating margin 51.0% · Revenue (TTM) 151B CLP.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).
What moves the price
The share trades about 7% below its 52-week high and 39% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −4% fair-value upside, at 96%, PLANVITAL screens cheaper than that median.
Fair Value models
Bear 326.58 CLPFair Value 548.42 CLPBull 905.02 CLP
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 (0.0219 CLP 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.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.
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.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+10.0%
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.
+11.2%
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.
+13.8%
Start year 2020 (pandemic)
Revenue growth 8 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.
+25.0%
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What shareholders gained per year (last 5 years), in CLP ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in CLP: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+21.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+21.6%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘ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.44% → 54%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−1.7%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Chile: IMF forecast 3.0% a year to 2030, 4.5% from 2016 to 2025) that is about −4.6% a year for the price.
Price, fair value, quality and upside side by side.
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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 · 659 stocks
Beats the industry median on 7/9 measures
Overall it ranks above its industry peers.
Valuation
Quality Score74 · Top 25%
Fair Value upside+96% · Top 25%
Profitability
Return on equity (TTM)43% · Top 25%
Return on assets25% · Top 25%
Net margin (TTM)44% · Above median
Operating margin (TTM)51% · Above median
Growth and dividend
Revenue growth2% · Below median
Dividend yield (TTM)0.0% · Bottom 25%
Valuation Multiplesvs Asset Management median · lower = cheaper
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Is A.F.P. Planvital S.A. (PLANVITAL) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 548.42 CLP versus a price of 280.00 CLP, about +96% upside (undervalued).
What is the fair value of PLANVITAL?
Our model-based fair value for A.F.P. Planvital S.A. is 548.42 CLP (as of Sep 24, 2026), built from audited fundamentals. The current price: 280.00 CLP.
What is the quality score of PLANVITAL?
A.F.P. Planvital S.A. has a Quality Score of 74/100. 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 A.F.P. Planvital S.A. (PLANVITAL)?
Our model-based price target is the fair value of 548.42 CLP (as of Sep 24, 2026) from 11 valuation models. Cautious scenario 326.58 CLP, optimistic scenario 905.02 CLP. It is a calculation from audited fundamentals, not an analyst target.
What is the A.F.P. Planvital S.A. stock forecast for 2026?
Our models put fair value at 548.42 CLP, about +96% upside versus a price of 280.00 CLP (undervalued). Cautious scenario 326.58 CLP, optimistic scenario 905.02 CLP. The calculation is refreshed regularly with new filings.
What is the revenue of A.F.P. Planvital S.A. (PLANVITAL)?
A.F.P. Planvital S.A. reported trailing-twelve-month revenue of about 151B CLP (latest available figure, as of Sep 24, 2026).
What growth is priced into A.F.P. Planvital S.A. (PLANVITAL)?
For today's price to be fair in a discounted-cash-flow model, A.F.P. Planvital S.A. would have to grow free cash flow by -1.7 % per year for five years (discount rate 10.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +13.8 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of PLANVITAL use?
Our models discount A.F.P. Planvital S.A. at 10.6 %: a base by market capitalisation (small), damped by beta 0.05, country premium for Chile. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For A.F.P. Planvital S.A. that is -1.7 % per year a year over ten years, using the same discount rate (10.6 %) and the same formula as our fair value.
How much growth has A.F.P. Planvital S.A. (PLANVITAL) delivered so far?
Over the past 5 years revenue at A.F.P. Planvital S.A. grew +13.8 % a year. The price currently implies -1.7 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of A.F.P. Planvital S.A. (PLANVITAL) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into A.F.P. Planvital S.A. (-1.7 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of A.F.P. Planvital S.A. (PLANVITAL)?
The free-cash-flow yield on the price is 9.48 %: that much free cash flow A.F.P. Planvital S.A. produces per unit of market value. When it exceeds the discount rate of our models (10.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of A.F.P. Planvital S.A. (PLANVITAL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For A.F.P. Planvital S.A. it is 548.42 CLP per share (as of Sep 24, 2026), against a price of 280.00 CLP. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is A.F.P. Planvital S.A. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, PLANVITAL trades below its calculated fair value: price 280.00 CLP, fair value 548.42 CLP, a gap of about +96% (undervalued). 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 PLANVITAL?
No. The price is what the market pays today (280.00 CLP); the fair value is what the company's own numbers justify (548.42 CLP). For A.F.P. Planvital S.A. the two are 268.42 CLP per share apart. That gap is exactly why we show both numbers side by side.
How much is A.F.P. Planvital S.A. worth?
The market values A.F.P. Planvital S.A. at about 570B CLP (market capitalisation, as of Sep 24, 2026). Per share that is 280.00 CLP; our models calculate a fair value of 548.42 CLP per share.
What do the bullish and bearish scenarios say about PLANVITAL?
Our models span a range for A.F.P. Planvital S.A.: cautious scenario 326.58 CLP, base 548.42 CLP, optimistic 905.02 CLP per share (as of Sep 24, 2026, price 280.00 CLP). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of A.F.P. Planvital S.A. (PLANVITAL)?
Balance-sheet figures for A.F.P. Planvital S.A. (as of Sep 24, 2026): return on equity 43.2%. They feed the Quality Score of 74/100, which measures business quality independently of the share price.
How far is PLANVITAL from its 52-week high?
A.F.P. Planvital S.A. trades at 280.00 CLP, about 7% below its 52-week high of 302.41 CLP and 39% above the low of 201.49 CLP (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 548.42 CLP is for.
Which stocks are comparable to A.F.P. Planvital S.A.?
From the same area (Financial Services) we also value Blackstone Inc, Brookfield Corporation, KKR & Co, Apollo Global Management, Inc, 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 A.F.P. Planvital S.A. stock attractive at the current price?
The data as of Sep 24, 2026: price 280.00 CLP, calculated fair value 548.42 CLP (+96%), Quality Score 74/100, from 11 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 PLANVITAL calculated?
We run A.F.P. Planvital S.A. through 11 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 548.42 CLP, 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 14.1 % above its aggregate fair value. A.F.P. Planvital S.A. currently trades 96 % below its own fair value, and the market average says nothing about that. 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 A.F.P. Planvital S.A. (PLANVITAL)?
The closing price on Sep 23, 2026 was 280.00 CLP. Our model-based fair value is 548.42 CLP, about +96% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with A.F.P. Planvital S.A. right now?
The rarer combination: high quality (74/100) AND below fair value. That earns a closer look rather than a quick verdict. The price is below even our cautious bear case (326.58 CLP). The market is more pessimistic than our downside scenario. The model range is unusually wide (326.58 CLP to 905.02 CLP). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
Key figures of A.F.P. Planvital S.A.
How large is the market capitalisation of A.F.P. Planvital S.A. (PLANVITAL)?
The market capitalisation of A.F.P. Planvital S.A. is 570B CLP (≈ $570M). 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 A.F.P. Planvital S.A. (PLANVITAL)?
The price-to-sales ratio of A.F.P. Planvital S.A. is 3.71 (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 A.F.P. Planvital S.A. (PLANVITAL)?
Earnings per share at A.F.P. Planvital S.A. are 0.0300 CLP. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of A.F.P. Planvital S.A. (PLANVITAL)?
The net margin of A.F.P. Planvital S.A. is 51.8% (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 A.F.P. Planvital S.A. (PLANVITAL)?
The return on equity (ROE) of A.F.P. Planvital S.A. is 43.2% (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 A.F.P. Planvital S.A. (PLANVITAL)?
On an EBIT basis the return on assets of A.F.P. Planvital S.A. is 36.0% (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 A.F.P. Planvital S.A. (PLANVITAL)?
The operating margin of A.F.P. Planvital S.A. is 51.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at A.F.P. Planvital S.A. (PLANVITAL)?
Revenue at A.F.P. Planvital S.A. is growing +2.4% versus a year earlier (3y avg +11.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at A.F.P. Planvital S.A. (PLANVITAL)?
Earnings per share at A.F.P. Planvital S.A. are growing −8.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does A.F.P. Planvital S.A. (PLANVITAL) carry?
The net debt of A.F.P. Planvital S.A. is 4.4B CLP (fiscal year 2017, ≈ 0.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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