Peña Verde S.A.B (PV) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Peña Verde S.A.B MXN 17.00, price MXN 8.00, upside +112.5%, quality 47 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 5.63 MXN – 9.25 MXN · fair‑value band 12.04 MXN – 27.80 MXN · the 8.00 MXN price screens below the 17.00 MXN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 24, 2026.
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Peña Verde, S.A.B. offers insurance and reinsurance services in Mexico, Latin America, the Caribbean, and internationally. It offers life, personal accident, health, civil liability and professional risks, maritime and transportation, fire, automobiles, credit, agricultural and animal, earthquake, and other catastrophic risks insurance products.
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Peña Verde, S.A.B. offers insurance and reinsurance services in Mexico, Latin America, the Caribbean, and internationally. It offers life, personal accident, health, civil liability and professional risks, maritime and transportation, fire, automobiles, credit, agricultural and animal, earthquake, and other catastrophic risks insurance products. The company was formerly known as Minera Peña Verde SA and changed its name to Peña Verde, S.A.B. in 1978. The company was incorporated in 1971 and is based in Mexico City, Mexico.
Stock analysis
Peña Verde S.A.B (PV) currently trades at 8.00 MXN, while our model-based Fair Value estimate is 17.00 MXN, implying the stock looks roughly 52.9% undervalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of 21.43 MXN per share, and 4 of the 6 models we run sit above the 8.00 MXN price.
Bear case: the Asset-Based group reads lowest at 9.85 MXN, and 2 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: 12.04 MXN (bear) to 27.80 MXN (bull), the price of 8.00 MXN 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 47/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Peña Verde S.A.B reported revenue of 21.3B MXN in FY2025 versus 10.9B MXN in FY2021, a compound +18.3%/yr. Reported net income was 1.4B MXN in FY2025, compounding +34.5%/yr from FY2021.
Key figures
Market cap 3.8B MXN (≈ $210M) · P/E ratio 2.6 · P/S ratio 0.17 · EPS (TTM) 3.10 MXN · Dividend yield 1.0% · Net margin 6.6% · Return on equity 22.2% · Return on assets (EBIT) 2.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 7% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at 113%, PV screens cheaper than that median.
Fair Value models
Bear 12.04 MXNFair Value 17.00 MXNBull 27.80 MXN
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 (2.34 MXN 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.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.55/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+24.2%
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.
+20.3%
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.
+19.0%
Start year 2020 (pandemic). Over 10 years: +15.5% a year
Revenue growth 21 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.
+12.4%
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What shareholders gained per year (last 5 years), in MXN (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. Measured in MXN: 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.
+40.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+39.3%
Dividend (yield on the price)1.0%
Profit margin 2012 to 2017 ⓘ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.33% → 10%
2025 sits 84% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
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.Insurance - Diversified · 82 stocks
Beats the industry median on 7/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score40 · Bottom 25%
Fair Value upside+100.0% · Top 25%
Profitability
Return on equity (TTM)22.2% · Top 25%
Return on assets3.2% · Above median
Net margin (TTM)7.0% · Below median
Operating margin (TTM)8.9% · Below median
Growth and dividend
Revenue growth−2.9% · Below median
Dividend yield (TTM)1.0% · Bottom 25%
Valuation Multiplesvs Insurance - Diversified median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Peña Verde S.A.B (PV) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 17.00 MXN versus a price of 8.00 MXN, about +113% upside (undervalued).
What is the fair value of PV?
Our model-based fair value for Peña Verde S.A.B is 17.00 MXN (as of Sep 24, 2026), built from audited fundamentals. The current price: 8.00 MXN.
What is the quality score of PV?
Peña Verde S.A.B has a Quality Score of 47/100. 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 Peña Verde S.A.B (PV)?
Our model-based price target is the fair value of 17.00 MXN (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 12.04 MXN, optimistic scenario 27.80 MXN. It is a calculation from audited fundamentals, not an analyst target.
What is the Peña Verde S.A.B stock forecast for 2026?
Our models put fair value at 17.00 MXN, about +113% upside versus a price of 8.00 MXN (undervalued). Cautious scenario 12.04 MXN, optimistic scenario 27.80 MXN. The calculation is refreshed regularly with new filings.
What is the revenue of Peña Verde S.A.B (PV)?
Peña Verde S.A.B reported trailing-twelve-month revenue of about 20.4B MXN (latest available figure, as of Sep 24, 2026).
Does Peña Verde S.A.B pay a dividend?
Peña Verde S.A.B currently shows a dividend yield of about 0.97% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Peña Verde S.A.B (PV)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Peña Verde S.A.B it is 17.00 MXN per share (as of Sep 24, 2026), against a price of 8.00 MXN. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Peña Verde S.A.B stock overvalued or undervalued in 2026?
As of Sep 24, 2026, PV trades below its calculated fair value: price 8.00 MXN, fair value 17.00 MXN, a gap of about +113% (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 PV?
No. The price is what the market pays today (8.00 MXN); the fair value is what the company's own numbers justify (17.00 MXN). For Peña Verde S.A.B the two are 9.00 MXN per share apart. That gap is exactly why we show both numbers side by side.
How much is Peña Verde S.A.B worth?
The market values Peña Verde S.A.B at about 3.8B MXN (market capitalisation, as of Sep 24, 2026). Per share that is 8.00 MXN; our models calculate a fair value of 17.00 MXN per share.
What do the bullish and bearish scenarios say about PV?
Our models span a range for Peña Verde S.A.B: cautious scenario 12.04 MXN, base 17.00 MXN, optimistic 27.80 MXN per share (as of Sep 24, 2026, price 8.00 MXN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PV?
Peña Verde S.A.B trades at a price-to-earnings ratio of 2.6 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 17.00 MXN is built from several models across several years. Other multiples: P/B 0.6, P/S 0.2, EV/EBITDA 1.6.
How solid is the balance sheet of Peña Verde S.A.B (PV)?
Balance-sheet figures for Peña Verde S.A.B (as of Sep 24, 2026): return on equity 22.2%. They feed the Quality Score of 47/100, which measures business quality independently of the share price.
How far is PV from its 52-week high?
Peña Verde S.A.B trades at 8.00 MXN, about 6% below its 52-week high of 8.50 MXN and 7% above the low of 7.47 MXN (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of 17.00 MXN is for.
Which stocks are comparable to Peña Verde S.A.B?
From the same area (Financial Services) we also value Allianz SE, Zurich Insurance Group, AXA SA, Assicurazioni Generali S.p.A, 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 Peña Verde S.A.B stock attractive at the current price?
The data as of Sep 24, 2026: price 8.00 MXN, calculated fair value 17.00 MXN (+113%), Quality Score 47/100, from 6 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 PV calculated?
We run Peña Verde S.A.B through 6 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 17.00 MXN, 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 14.5 % above its aggregate fair value. Peña Verde S.A.B currently trades 53 % 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 Peña Verde S.A.B (PV)?
The closing price on Oct 2, 2026 was 8.00 MXN. Our model-based fair value is 17.00 MXN, about +113% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Peña Verde S.A.B right now?
The price is below even our cautious bear case (12.04 MXN). The market is more pessimistic than our downside scenario. 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 quality (47/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (12.04 MXN to 27.80 MXN) leaves room in how you read the outcome.
Key figures of Peña Verde S.A.B
How large is the market capitalisation of Peña Verde S.A.B (PV)?
The market capitalisation of Peña Verde S.A.B is 3.8B MXN (≈ $210M). 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 Peña Verde S.A.B (PV)?
The price-to-sales ratio of Peña Verde S.A.B is 0.17 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Peña Verde S.A.B (PV)?
Earnings per share at Peña Verde S.A.B are 3.10 MXN (price ÷ EPS = P/E 2.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Peña Verde S.A.B (PV)?
The dividend yield of Peña Verde S.A.B is 1.0% (payout 2.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Peña Verde S.A.B (PV)?
The net margin of Peña Verde S.A.B is 6.6% (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 Peña Verde S.A.B (PV)?
The return on equity (ROE) of Peña Verde S.A.B is 22.2% (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 Peña Verde S.A.B (PV)?
On an EBIT basis the return on assets of Peña Verde S.A.B is 2.2% (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 Peña Verde S.A.B (PV)?
The operating margin of Peña Verde S.A.B is 8.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Peña Verde S.A.B (PV)?
Revenue at Peña Verde S.A.B is growing −2.9% versus a year earlier (3y avg +20.3%). 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 Peña Verde S.A.B (PV)?
Earnings per share at Peña Verde S.A.B are growing −28.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Peña Verde S.A.B (PV) generate?
The free cash flow of Peña Verde S.A.B is −1.8B MXN (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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