Revo Spa (REVO) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Revo Spa stock €7.28, price €23.10, that is 68.5% below the price, quality 52 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range €7.53 – €29.00 · fair‑value band €6.66 – €8.04 · the €23.10 price screens above the €7.28 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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REVO Insurance S.p.A. operates as an insurance company in Italy. The company offers non-life insurance with a focus on specialty lines and parametric risks business, with a focus on the SME sector.
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It also provides insurance against parametric, deposits, financial lines, property and engineering, casualty, agriculture, surety, aviation, private credit, fine art, marine, and legal protection. The company is headquartered in Milan, Italy.
Stock analysis
Revo Spa (REVO) currently trades at €23.10, while our model-based Fair Value estimate is €7.28, 68% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of €8.88 per share, and 0 of the 6 models we run sit above the €23.10 price.
Bear case: the Dividend Discount group reads lowest at €2.34, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: €6.66 (bear) to €8.04 (bull), the price of €23.10 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 52/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revo Spa reported revenue of €416M in FY2025 versus €4.5M in FY2021, a compound +210.1%/yr. Reported net income was €22.4M in FY2025.
Key figures
Market cap €672M Small · P/E ratio 29.2 · P/S ratio 1.54 · EPS (TTM) €0.7900 · Dividend yield 1.2% · Net margin 5.6% · Return on equity 9.4% · Return on assets 3.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 43 out of 100 (low confidence).
What moves the price
The share trades about 20% below its 52-week high and 40% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −68%, REVO screens richer than that median.
Fair Value models
Bear€6.66Fair Value €7.28Bull€8.04
Price €23.10 · Downside -68.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (€0.4445 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.Coverage ⓘCoverage = 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.85/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
What shareholders gained per year (last 5 years) (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.
+20.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+18.9%
Dividend (yield on the price)1.2%
2025 sits 75% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+19.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (euro area: IMF forecast 2.2% a year to 2030, 2.6% from 2016 to 2025) that is about +16.9% a year for the price.
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 - Property & Casualty · 100 stocks
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.
Cite: Fair Value Calculator (2026). "Revo Spa Fair Value". https://www.fairvalue-calculator.com/stock/REVO
Frequently asked questions
Is Revo Spa (REVO) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of €7.28 versus a price of €23.10, about 68% lower (overvalued).
What is the fair value of REVO?
Our model-based fair value for Revo Spa is €7.28 (as of Nov 6, 2026), built from audited fundamentals. The current price: €23.10.
What is the quality score of REVO?
Revo Spa has a Quality Score of 52/100. 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 Revo Spa (REVO)?
Our model-based price target is the fair value of €7.28 (as of Nov 6, 2026) from 6 valuation models. Cautious scenario €6.66, optimistic scenario €8.04. It is a calculation from audited fundamentals, not an analyst target.
What is the Revo Spa stock forecast for 2026?
Our models put fair value at €7.28, about 68% lower versus a price of €23.10 (overvalued). Cautious scenario €6.66, optimistic scenario €8.04. The calculation is refreshed regularly with new filings.
What is the revenue of Revo Spa (REVO)?
Revo Spa reported trailing-twelve-month revenue of about €438M (latest available figure, as of Nov 6, 2026).
Does Revo Spa pay a dividend?
Revo Spa currently shows a dividend yield of 1.17% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Revo Spa (REVO) and when is the ex-dividend date?
Revo Spa pays a dividend of €0.27 per share a year, a dividend yield of 1.2%. The last ex-dividend date was May 4, 2026. The payout ratio is 34.2% of earnings. Free cash flow covers the dividend 3.47 times. Our assessment: Well covered. A low payout and the dividend is fully funded by free cash flow, a comfortable, sustainable dividend.
What growth is priced into Revo Spa (REVO)?
For today's price to be fair in a discounted-cash-flow model, Revo Spa would have to grow free cash flow by +19.4 % per year for five years (discount rate 12.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +59.4 % per year. As of Nov 6, 2026.
What discount rate (WACC) does the fair value of REVO use?
Our models discount Revo Spa at 12.0 %: a base by market capitalisation (small), damped by beta 0.22, country premium for Italy. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Revo Spa that is +19.4 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (12.0 %) and the same formula as our fair value.
How much growth has Revo Spa (REVO) delivered so far?
Over the past 5 years revenue at Revo Spa grew +59.4 % a year. The price currently implies free-cash-flow growth of +19.4 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Revo Spa (REVO) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Revo Spa (+19.4 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Revo Spa (REVO)?
The free-cash-flow yield on the price is 4.05 %: that much free cash flow Revo Spa produces per unit of market value. When it exceeds the discount rate of our models (12.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Revo Spa (REVO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Revo Spa it is €7.28 per share (as of Nov 6, 2026), against a price of €23.10. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Revo Spa stock overvalued or undervalued in 2026?
As of Nov 6, 2026, REVO trades above its calculated fair value: price €23.10, fair value €7.28, a gap of about −68% (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 REVO?
No. The price is what the market pays today (€23.10); the fair value is what the company's own numbers justify (€7.28). For Revo Spa the two are €15.82 per share apart. That gap is exactly why we show both numbers side by side.
How much is Revo Spa worth?
The market values Revo Spa at about €672M (market capitalisation, as of Nov 6, 2026). Per share that is €23.10; our models calculate a fair value of €7.28 per share.
What do the bullish and bearish scenarios say about REVO?
Our models span a range for Revo Spa: cautious scenario €6.66, base €7.28, optimistic €8.04 per share (as of Nov 6, 2026, price €23.10). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of REVO?
Revo Spa trades at a price-to-earnings ratio of 29.2 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €7.28 is built from several models across several years. Other multiples: P/B 2.6, P/S 1.5, EV/EBITDA 16.2.
How solid is the balance sheet of Revo Spa (REVO)?
Balance-sheet figures for Revo Spa (as of Nov 6, 2026): return on equity 9.4%, debt of 0.10 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is REVO from its 52-week high?
Revo Spa trades at €23.10, about 20% below its 52-week high of €29.00 and 40% above the low of €16.55 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of €7.28 is for.
Which stocks are comparable to Revo Spa?
From the same area (Financial Services) we also value Chubb Limited, The Progressive Corporation, The Travelers Companies, Inc, The Allstate Corporation, 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 Revo Spa stock attractive at the current price?
The data as of Nov 6, 2026: price €23.10, calculated fair value €7.28 (−68%), Quality Score 52/100, 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 REVO calculated?
We run Revo Spa through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of €7.28 builds on their evidence-weighted average, 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 13.0% above its aggregate fair value. Revo Spa 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 Revo Spa (REVO)?
The closing price on Nov 6, 2026 was €23.10. Our model-based fair value is €7.28, about 68% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Revo Spa right now?
The price sits above even our optimistic bull case (€8.04). The favourable scenario is already priced in. Solid but not exceptional quality (52/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Revo Spa
How large is the market capitalisation of Revo Spa (REVO)?
The market capitalisation of Revo Spa is €672M. 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 Revo Spa (REVO)?
The price-to-sales ratio of Revo Spa is 1.54 (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 Revo Spa (REVO)?
Earnings per share at Revo Spa are €0.7900 (price ÷ EPS = P/E 29.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Revo Spa (REVO)?
The dividend yield of Revo Spa is 1.2% (payout 34.2%). 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 Revo Spa (REVO)?
The net margin of Revo Spa is 5.6% (last twelve months). 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 Revo Spa (REVO)?
The return on equity (ROE) of Revo Spa is 9.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Revo Spa (REVO)?
The return on assets (ROA) of Revo Spa is 3.4% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Revo Spa (REVO)?
The operating margin of Revo Spa is 9.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Revo Spa (REVO)?
Revenue at Revo Spa is growing +11.5% versus a year earlier (3y avg +63.9%). 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 Revo Spa (REVO)?
Earnings per share at Revo Spa are growing +7.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Revo Spa (REVO) carry?
The net debt of Revo Spa is €12.7M (fiscal year 2021, ≈ 0.5 yrs of FCF). 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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Broad data
Nov 6, 2026