Pragma Inkaso S.A (PRI) Fair Value & Analysis
Financial Services · PL · Market cap 11.8M PLN
Fair value as of: Jun 26, 2026
From 3 valuation models · updated 3 days ago
Share price +4.4% over the past month.
Price vs Fair Value (12 months)
12‑month range 2.65 PLN – 3.40 PLN · fair‑value band 4.35 PLN – 8.85 PLN · the 3.28 PLN price screens below the 6.56 PLN fair value. As of Jun 26, 2026.
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Pragma Inkaso S.A (PRI) currently trades at 3.28 PLN, while our model-based Fair Value estimate is 6.56 PLN — implying the stock looks roughly 100.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low) — always confirm before acting.
Over the trailing twelve months, Pragma Inkaso S.A generated revenue of 3.2M PLN at a net margin of -58.6%. Revenue declined 35.9% year over year. It earns a return on equity of -7.7%. Net debt stands at 1.2M PLN. 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
Pragma Inkaso S.A. provides debt collection and financing services in Poland. It provides financing in the form of factoring and loans. The company also engages in the fund management activities. In addition, it rents real estate properties and offers other financial services. The company was founded in 2002 and is headquartered in Tarnowskie Góry, Poland.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Pragma Inkaso S.A reported revenue of 4.4M PLN in FY2025 versus 5.2M PLN in FY2021, a compound −4.4%/yr. Reported net income was −4.3M PLN in FY2025.
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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% |
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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.