Quality & Reliability A.B.E.E (QUAL) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Quality & Reliability A.B.E.E €0.55, price €1.25, upside -55.9%, quality 35 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 €0.2340 – €1.45 · fair‑value band €0.5000 – €0.5900 · the €1.25 price screens above the €0.5500 fair value. Dashed = 300-day average. As of Sep 24, 2026.
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Quality & Reliability A.B.E.E, together with its subsidiaries, delivers integrated information systems for large and mid-size enterprises in the public and private sector in Greece and internationally.
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Quality & Reliability A.B.E.E, together with its subsidiaries, delivers integrated information systems for large and mid-size enterprises in the public and private sector in Greece and internationally. It offers personnel and payroll, property, citizen records, social security, and road traffic police fine management software solutions, as well as e-procurement software and public financials solutions; and enterprise solutions in various areas, such as ERP systems, retail solutions, HR and payroll systems, document management, business intelligence and analytics, port management, e-business, and e-book platforms. The company also provides IT services including, design, software development, software quality assurance, testing, software deployment, documentation, software upgrades, and enhancements, as well as machine learning and system integration; research and development services for software technologies in the areas of e-books, machine learning, and artificial intelligence; and enterprise web portals, label e-commerce solutions, cross-platform mobile applications, and multi-platform e-book interactive educational authoring tools. Quality & Reliability A.B.E.E. was founded in 1992 and is headquartered in Marousi, Greece.
Stock analysis
Quality & Reliability A.B.E.E (QUAL) currently trades at €1.25, while our model-based Fair Value estimate is €0.5500, implying the stock looks roughly 126.6% overvalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of €0.8100 per share, and 2 of the 15 models we run sit above the €1.25 price.
Bear case: the Asset-Based group reads lowest at €0.1100, and 13 of the 15 models stay below the price. Evidence for this calculation is medium.
Scenario range: €0.5000 (bear) to €0.5900 (bull), the price of €1.25 sits above 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 35/100 (below-average quality), in the Technology sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Quality & Reliability A.B.E.E reported revenue of €21.0M in FY2025 versus €2.9M in FY2021, a compound +63.5%/yr. Reported net income was €584K in FY2025.
Key figures
Market cap €44.2M · P/E ratio 62.3 · P/S ratio 1.73 · EPS (TTM) €0.0200 · Net margin 2.8% · Return on equity 12.7% · Return on assets (EBIT) 4.6% · Operating margin 3.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The share trades about 14% below its 52-week high and 22% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at −6% fair-value upside, at −56%, QUAL screens richer than that median.
Fair Value models
Bear €0.5000Fair Value €0.5500Bull €0.5900
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 (€0.0147 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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+38.7%
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.
+48.2%
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.
+48.5%
Start year 2020 (pandemic). Over 10 years: +10.7% a year
Revenue growth 11 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.
+11.4%
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What shareholders gained per year (last 3 years) ⓘ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 3 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.
≈ +22.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+22.4%
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.−11% → 10%
⚠ Approximate: the rate leans on 2025, which sits 78% above its own trend.
Compare Quality & Reliability A.B.E.E with another stock
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.Software - Application · 721 stocks
Beats the industry median on 3/12 measures
Overall it trails its industry peers.
Valuation
Quality Score35 · Bottom 25%
Fair Value upside−56% · Bottom 25%
Profitability
Return on equity (TTM)13% · Above median
Return on assets5% · Above median
Net margin (TTM)3% · Below median
Operating margin (TTM)4% · Below median
Growth and dividend
Revenue growth23% · Top 25%
Balance sheet
Debt / equity0.12× · Above median
Valuation Multiplesvs Software - Application median · lower = cheaper
P/E (TTM)62.3× · Priciest 25%
P/B8.49× · Priciest 25%
P/S (TTM)2.39× · Pricier than median
EV/EBITDA16.5× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 25
FUTURE (revenue growth)100· sector 38
PAST (return on equity)51· sector 16
HEALTH (low debt)94· sector 97
DIVIDEND (yield)0· sector 30
VALUE 0: the price sits above our fair-value range.
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 Quality & Reliability A.B.E.E (QUAL) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of €0.5500 versus a price of €1.25, about −56% upside (overvalued).
What is the fair value of QUAL?
Our model-based fair value for Quality & Reliability A.B.E.E is €0.5500 (as of Sep 24, 2026), built from audited fundamentals. The current price: €1.25.
What is the quality score of QUAL?
Quality & Reliability A.B.E.E has a Quality Score of 35/100. 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 Quality & Reliability A.B.E.E (QUAL)?
Our model-based price target is the fair value of €0.5500 (as of Sep 24, 2026) from 15 valuation models. Cautious scenario €0.5000, optimistic scenario €0.5900. It is a calculation from audited fundamentals, not an analyst target.
What is the Quality & Reliability A.B.E.E stock forecast for 2026?
Our models put fair value at €0.5500, about −56% upside versus a price of €1.25 (overvalued). Cautious scenario €0.5000, optimistic scenario €0.5900. The calculation is refreshed regularly with new filings.
What is the revenue of Quality & Reliability A.B.E.E (QUAL)?
Quality & Reliability A.B.E.E reported trailing-twelve-month revenue of about €21.0M (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Quality & Reliability A.B.E.E (QUAL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Quality & Reliability A.B.E.E it is €0.5500 per share (as of Sep 24, 2026), against a price of €1.25. It is the blended result of 15 valuation models (cash flow, earnings, asset, dividend).
Is Quality & Reliability A.B.E.E stock overvalued or undervalued in 2026?
As of Sep 24, 2026, QUAL trades above its calculated fair value: price €1.25, fair value €0.5500, a gap of about −56% (overvalued). 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 QUAL?
No. The price is what the market pays today (€1.25); the fair value is what the company's own numbers justify (€0.5500). For Quality & Reliability A.B.E.E the two are €0.6960 per share apart. That gap is exactly why we show both numbers side by side.
How much is Quality & Reliability A.B.E.E worth?
The market values Quality & Reliability A.B.E.E at about €44.2M (market capitalisation, as of Sep 24, 2026). Per share that is €1.25; our models calculate a fair value of €0.5500 per share.
What do the bullish and bearish scenarios say about QUAL?
Our models span a range for Quality & Reliability A.B.E.E: cautious scenario €0.5000, base €0.5500, optimistic €0.5900 per share (as of Sep 24, 2026, price €1.25). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of QUAL?
Quality & Reliability A.B.E.E trades at a price-to-earnings ratio of 62.3 (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 €0.5500 is built from several models across several years. Other multiples: P/B 8.5, P/S 2.4, EV/EBITDA 16.5.
How solid is the balance sheet of Quality & Reliability A.B.E.E (QUAL)?
Balance-sheet figures for Quality & Reliability A.B.E.E (as of Sep 24, 2026): return on equity 12.7%, debt of 0.12 per unit of equity. They feed the Quality Score of 35/100, which measures business quality independently of the share price.
How far is QUAL from its 52-week high?
Quality & Reliability A.B.E.E trades at €1.25, about 14% below its 52-week high of €1.45 and 22% above the low of €1.02 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of €0.5500 is for.
Which stocks are comparable to Quality & Reliability A.B.E.E?
From the same area (Technology) we also value SAP SE, Salesforce, Inc, Shopify Inc, ServiceNow, 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 Quality & Reliability A.B.E.E stock attractive at the current price?
The data as of Sep 24, 2026: price €1.25, calculated fair value €0.5500 (−56%), Quality Score 35/100, from 15 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 QUAL calculated?
We run Quality & Reliability A.B.E.E through 15 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 €0.5500, 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 14.0 % above its aggregate fair value. Quality & Reliability A.B.E.E itself currently trades above fair value. 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 Quality & Reliability A.B.E.E (QUAL)?
The closing price on Sep 24, 2026 was €1.25. Our model-based fair value is €0.5500, about −56% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Quality & Reliability A.B.E.E right now?
The price sits above even our optimistic bull case (€0.5900). The favourable scenario is already priced in. Weak quality (35/100) and above fair value at the same time, the margin of safety is missing on both counts.
Key figures of Quality & Reliability A.B.E.E
How large is the market capitalisation of Quality & Reliability A.B.E.E (QUAL)?
The market capitalisation of Quality & Reliability A.B.E.E is €44.2M. 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 Quality & Reliability A.B.E.E (QUAL)?
The price-to-sales ratio of Quality & Reliability A.B.E.E is 1.73 (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 Quality & Reliability A.B.E.E (QUAL)?
Earnings per share at Quality & Reliability A.B.E.E are €0.0200 (price ÷ EPS = P/E 62.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Quality & Reliability A.B.E.E (QUAL)?
The net margin of Quality & Reliability A.B.E.E is 2.8% (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 Quality & Reliability A.B.E.E (QUAL)?
The return on equity (ROE) of Quality & Reliability A.B.E.E is 12.7% (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 Quality & Reliability A.B.E.E (QUAL)?
On an EBIT basis the return on assets of Quality & Reliability A.B.E.E is 4.6% (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 Quality & Reliability A.B.E.E (QUAL)?
The operating margin of Quality & Reliability A.B.E.E is 3.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Quality & Reliability A.B.E.E (QUAL)?
Revenue at Quality & Reliability A.B.E.E is growing +23.0% versus a year earlier (3y avg +48.2%). 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 Quality & Reliability A.B.E.E (QUAL)?
Earnings per share at Quality & Reliability A.B.E.E are growing −43.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Quality & Reliability A.B.E.E (QUAL) generate?
The free cash flow of Quality & Reliability A.B.E.E is −€2.3M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Quality & Reliability A.B.E.E (QUAL) carry?
The net debt of Quality & Reliability A.B.E.E is €2.3M (fiscal year 2025). 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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