Profile Systems & Software SA (PROF) Fair Value & Analysis

Technology · GR · Market cap €186M

A solid business, but screening 45% overvalued on our models.

What matters now

• The price sits above even our optimistic bull case (€6.47). The favourable scenario is already priced in.
• Solid but not exceptional quality (58/100) and above fair value, neither a clear bargain nor a standout compounder.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 21, 2026.

How to read this chart

60‑month range €2.14 – €9.39 · fair‑value band €3.88 – €6.47 · the €9.39 price screens above the €5.17 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 21, 2026.

Full chart & analysis →

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Analysis

Profile Systems & Software SA (PROF) currently trades at €9.39, while our model-based Fair Value estimate is €5.17, implying the stock looks roughly 44.9% overvalued today. The Quality Score stands at 58/100 (solid quality), in the Technology 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: high).

Over the trailing twelve months, Profile Systems & Software SA generated revenue of €47.5M at a net margin of 13.4%. Revenue grew 11.6% year over year. It earns a return on equity of 16.6%. The stock trades on a trailing P/E of 29.2. Fundamentals as of Jul 21, 2026

Our scenario range runs from €3.88 (bear case) to €6.47 (bull case); at €9.39, 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 near its 52-week high and 57% above its 52-week low, currently above its 200-day average. For context, the median of 10 Technology peers we cover trades at -27% fair-value upside, at -45%, PROF screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted 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.

Widest divergence: Growth Earnings (€6.95) versus Asset-Based (€1.10). Highest evidence: Growth DCF (80).

Key figures & financial health

Quality Score breakdown

About the company

Profile Systems & Software SA develops software solutions for the banking and investment management industry in Europe, the Middle East, America, Asia, and Africa.

Full company description

Profile Systems & Software SA develops software solutions for the banking and investment management industry in Europe, the Middle East, America, Asia, and Africa. The company's products include Axia, a web-based omni-channel and MiFID II enabled investment management solution; Finuevo Digital, a digital banking platform; Finuevo Core, an API-driven, cloud-enabled and banking platform; Acumen.plus, a cloud-native platform for treasury and capital markets; and RiskAvert, a risk management solution that assists financial institutions to gather and reconcile data, as well as calculate, aggregate, and report regulatory credit, market, operational, and concentration risk. It offers Centevo Suite, a suite that enables asset managers to automate and streamline their daily activities; Registry, a system for monitoring and management of shareholders registry; GS Market suite, an application for the stock exchange market data; and Mobius Wealth, a mobile wealth management application that integrates with back-end system and uses data from existing systems, as well as compiles them into a single presentation. In addition, the company provides Profile Vote, an online voting system; and Plexus, an application that provides real-time market data. Further, it offers implementation and post-implementation services. Profile Systems & Software SA was founded in 1990 and is based in Athens, Greece.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Profile Systems & Software SA reported revenue of €47.5M in FY2025 versus €20.1M in FY2021, a compound +24.0%/yr. Reported net income was €6.4M in FY2025, compounding +30.3%/yr from FY2021.

PROF screens 45% overvalued. Compare with SAP SE →

Peer Group

Software - Application · 709 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 Software - Application median · lower = cheaper

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.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

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.