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Rubean AG (R1B) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Rubean AG €1.50, price €5.00, upside -70.1%, quality 30 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Technology · DE · ISIN DE0005120802

RA Thin data Sep 23, 2026

Rubean AG

R1B · XETRA

Weakest SetupStrongly overvalued and low quality.

!Fair value €1.50 · Strongly overvalued (−70%)
!Quality 30/100
!Mixed Growth (revenue 5y +72.3 %/yr)
!Loss-making · -54.7% net margin (TTM)
!Trails peers (1/9)
!Narrow moat 8/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

€8.75 €4.00 Fair Value €1.50 Feb 2023 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

43‑month range €4.00 – €8.75 · fair‑value band €1.11 – €2.24 · the €5.00 price screens above the €1.50 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

Rubean AG provides software point-of-sale (POS) terminals for accepting contactless card payments in Germany. It offers PhonePOS, a contactless payment acceptance solution through smartphones; SoftPOS MPoC SDK; SoftPOS MPoC APP; and Rubean Pay APP, serves as a checkout app for retailers. The company was incorporated in 1999 and is based in Munich, Germany.

Stock analysis

Rubean AG (R1B) currently trades at €5.00, while our model-based Fair Value estimate is €1.50, implying the stock looks roughly 234.2% overvalued today.

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Valuation

How firm this estimate is: it rests on 1 models at a data quality of 89/100, which puts the evidence level at low.

Scenario range: €1.11 (bear) to €2.24 (bull), the price of €5.00 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 30/100 (below-average quality), in the Technology sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Rubean AG reported revenue of €3.6M in FY2025 versus €491K in FY2021, a compound +64.6%/yr. Reported net income was −€2.0M in FY2025.

Key figures

Market cap €24.7M · P/S ratio 6.19 · EPS (TTM) €−0.4000 · Net margin −54.7% · Return on equity −18.4% · Return on assets (EBIT) −12.7% · Operating margin −129% · Revenue (TTM) €3.6M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).

What moves the price

The share trades about 33% below its 52-week high and 20% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Technology peers we cover trades at −19% fair-value upside, at −70%, R1B screens richer than that median.

Fair Value models

Bear €1.11 Fair Value €1.50 Bull €2.24
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. 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.
Highest evidence
NCAV (Graham) €1.32 €1.77 €2.64 51
All 1 models by family
Asset-Based
NCAV (Graham) €1.32 €1.77 €2.64 51

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Quality Score breakdown

Overall quality 30/100

Of which business quality 34 · Market factors (momentum, volatility) 36

Profitability 1
Margins and returns on capital today
Quality Growth 85
Are margins and returns improving?
Fin. Strength 56
Balance sheet, leverage, solvency risk
Investment 33
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 38
Price trend over the last 3–12 months (market factor)
52W Momentum 15
Distance to the 52-week high (market factor)
Net Issuance 0
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 50/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+103.4%
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.
+77.9%
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.
+72.3%
Start year 2020 (pandemic)
Profit margin (trend) ⓘ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.
−285.2% (2020) → −47.0% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

R1B screens 234% overvalued. Compare with Microsoft Corporation →

Compare Rubean AG 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 - Infrastructure · 377 stocks

Beats the industry median on 1/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 34 · Bottom 25%
Fair Value upside −70% · Bottom 25%
Profitability
Return on assets −6% · Bottom 25%
Net margin (TTM) −55% · Bottom 25%
Operating margin (TTM) −129% · Bottom 25%
Growth and dividend
Revenue growth −10% · Bottom 25%

Valuation Multiplesvs Software - Infrastructure median · lower = cheaper

P/B 2.15× · Cheaper than median
P/S (TTM) 7.80× · Priciest 25%

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Software - Infrastructure stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Microsoft Corporation MSFT $498.00 $547.80 +10%
Oracle Corporation ORCL $149.20 $117.84 −21%
Palantir Technologies Inc PLTR $184.99 $43.02 −77%
Palo Alto Networks, Inc PANW $374.57 $114.50 −69%
CrowdStrike Holdings CRWD $250.06 $35.15 −86%
Fortinet, Inc FTNT $174.26 $164.92 −5%
Synopsys, Inc SNPS $409.24 $250.04 −39%
Block, Inc XYZ $77.53 $101.29 +31%
CoreWeave, Inc CRWV $86.76 $71.79 −17%
NetApp, Inc NTAP $192.91 $157.18 −19%

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Rubean AG · Fair Value
€1.50 −234%Fair Value
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Cite: Fair Value Calculator (2026). "Rubean AG Fair Value". https://www.fairvalue-calculator.com/stock/R1B

Frequently asked questions

Is Rubean AG (R1B) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of €1.50 versus a price of €5.00, about −70% upside (overvalued).
What is the fair value of R1B?
Our model-based fair value for Rubean AG is €1.50 (as of Sep 23, 2026), built from audited fundamentals. The current price: €5.00.
What is the quality score of R1B?
Rubean AG has a Quality Score of 30/100. 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 Rubean AG (R1B)?
Our model-based price target is the fair value of €1.50 (as of Sep 23, 2026) from 1 valuation models. Cautious scenario €1.11, optimistic scenario €2.24. It is a calculation from audited fundamentals, not an analyst target.
What is the Rubean AG stock forecast for 2026?
Our models put fair value at €1.50, about −70% upside versus a price of €5.00 (overvalued). Cautious scenario €1.11, optimistic scenario €2.24. The calculation is refreshed regularly with new filings.
What is the revenue of Rubean AG (R1B)?
Rubean AG reported trailing-twelve-month revenue of about €3.6M (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of Rubean AG (R1B)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Rubean AG it is €1.50 per share (as of Sep 23, 2026), against a price of €5.00. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Rubean AG stock overvalued or undervalued in 2026?
As of Sep 23, 2026, R1B trades above its calculated fair value: price €5.00, fair value €1.50, a gap of about −70% (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 R1B?
No. The price is what the market pays today (€5.00); the fair value is what the company's own numbers justify (€1.50). For Rubean AG the two are €3.50 per share apart. That gap is exactly why we show both numbers side by side.
How much is Rubean AG worth?
The market values Rubean AG at about €24.7M (market capitalisation, as of Sep 23, 2026). Per share that is €5.00; our models calculate a fair value of €1.50 per share.
What do the bullish and bearish scenarios say about R1B?
Our models span a range for Rubean AG: cautious scenario €1.11, base €1.50, optimistic €2.24 per share (as of Sep 23, 2026, price €5.00). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Rubean AG (R1B)?
Balance-sheet figures for Rubean AG (as of Sep 23, 2026): return on equity −18.4%. They feed the Quality Score of 30/100, which measures business quality independently of the share price.
How far is R1B from its 52-week high?
Rubean AG trades at €5.00, about 33% below its 52-week high of €7.50 and 20% above the low of €4.18 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of €1.50 is for.
Which stocks are comparable to Rubean AG?
From the same area (Technology) we also value Microsoft Corporation, Oracle Corporation, Palantir Technologies Inc, Palo Alto Networks, 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 Rubean AG stock attractive at the current price?
The data as of Sep 23, 2026: price €5.00, calculated fair value €1.50 (−70%), Quality Score 30/100, from 1 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 R1B calculated?
We run Rubean AG through 1 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 €1.50, 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. Rubean AG 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 Rubean AG (R1B)?
The closing price on Sep 23, 2026 was €5.00. Our model-based fair value is €1.50, about −70% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Rubean AG right now?
The price sits above even our optimistic bull case (€2.24). The favourable scenario is already priced in. Weak quality (30/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range (€1.11 to €2.24) leaves room in how you read the outcome.

Key figures of Rubean AG

How large is the market capitalisation of Rubean AG (R1B)?
The market capitalisation of Rubean AG is €24.7M. 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 Rubean AG (R1B)?
The price-to-sales ratio of Rubean AG is 6.19 (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 Rubean AG (R1B)?
Earnings per share at Rubean AG are €−0.4000. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Rubean AG (R1B)?
The net margin of Rubean AG is −54.7% (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 Rubean AG (R1B)?
The return on equity (ROE) of Rubean AG is −18.4% (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 Rubean AG (R1B)?
On an EBIT basis the return on assets of Rubean AG is −12.7% (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 Rubean AG (R1B)?
The operating margin of Rubean AG is −129% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Rubean AG (R1B)?
Revenue at Rubean AG is growing −10.2% versus a year earlier (3y avg +77.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much net debt does Rubean AG (R1B) carry?
The net debt of Rubean AG is €79.8K (fiscal year 2022). 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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