Reino Capital SA (RNC) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Reino Capital SA PLN 1.14, price PLN 1.49, upside -23.5%, quality 62 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 0.6800 PLN – 2.02 PLN · fair‑value band 0.6300 PLN – 1.85 PLN · the 1.49 PLN price screens above the 1.14 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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REINO Capital S.A., through its subsidiaries, engages in investment and fund management activities in commercial real estate property market. It also provides strategic and transaction advisory services. The company was formerly known as Graviton Capital S.A. and changed its name to REINO Capital S.A. in December 2018. REINO Capital S.A.
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REINO Capital S.A., through its subsidiaries, engages in investment and fund management activities in commercial real estate property market. It also provides strategic and transaction advisory services. The company was formerly known as Graviton Capital S.A. and changed its name to REINO Capital S.A. in December 2018. REINO Capital S.A. was incorporated in 2006 and is headquartered in Warsaw, Poland.
Stock analysis
Reino Capital SA (RNC) currently trades at 1.49 PLN, while our model-based Fair Value estimate is 1.14 PLN, implying the stock looks roughly 30.7% overvalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 1.12 PLN per share, and 2 of the 11 models we run sit above the 1.49 PLN price.
Bear case: the Asset-Based group reads lowest at 0.2000 PLN, and 9 of the 11 models stay below the price. Evidence for this calculation is low.
Scenario range: 0.6300 PLN (bear) to 1.85 PLN (bull), the price of 1.49 PLN sits inside 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 62/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Reino Capital SA reported revenue of 75.0M PLN in FY2025 versus 10.8M PLN in FY2021, a compound +62.3%/yr. Reported net income was 1.5M PLN in FY2025, compounding +33.8%/yr from FY2021.
Key figures
Market cap 130M PLN (≈ $34.0M) · P/E ratio 37.3 · P/S ratio 0.76 · EPS (TTM) 0.0400 PLN · Net margin 2.0% · Return on equity 15.5% · Return on assets (EBIT) 2.3% · Operating margin 6.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 21% below its 52-week high and 119% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −17% fair-value upside, at −23%, RNC screens richer than that median.
Fair Value models
Bear 0.6300 PLNFair Value 1.14 PLNBull 1.85 PLN
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 (0.0295 PLN 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.90/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+111.9%
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.
+74.3%
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.
+82.9%
Start year 2020 (pandemic). Over 10 years: +64.8% a year
Revenue growth 16 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.
+13.7%
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What shareholders gained per year (last 5 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 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.
+11.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+11.7%
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.−87% → 5%
⚠ Revenue per share shrinking 7.8%/yr over ~10Y (margin trend unclear) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
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).
+16.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Poland: IMF forecast 3.1% a year to 2030, 4.6% from 2016 to 2025) that is about +12.5% 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.Capital Markets · 460 stocks
Beats the industry median on 6/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score62 · Above median
Fair Value upside−24% · Below median
Profitability
Return on equity (TTM)16% · Above median
Return on assets6% · Top 25%
Net margin (TTM)3% · Below median
Operating margin (TTM)6% · Below median
Growth and dividend
Revenue growth296% · Top 25%
Balance sheet
Debt / equity0.59× · Highest 25%
Valuation Multiplesvs Capital Markets median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Reino Capital SA Fair Value". https://www.fairvalue-calculator.com/stock/RNC
Frequently asked questions
Is Reino Capital SA (RNC) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 1.14 PLN versus a price of 1.49 PLN, about −23% upside (overvalued).
What is the fair value of RNC?
Our model-based fair value for Reino Capital SA is 1.14 PLN (as of Sep 24, 2026), built from audited fundamentals. The current price: 1.49 PLN.
What is the quality score of RNC?
Reino Capital SA has a Quality Score of 62/100. 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 Reino Capital SA (RNC)?
Our model-based price target is the fair value of 1.14 PLN (as of Sep 24, 2026) from 11 valuation models. Cautious scenario 0.6300 PLN, optimistic scenario 1.85 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Reino Capital SA stock forecast for 2026?
Our models put fair value at 1.14 PLN, about −23% upside versus a price of 1.49 PLN (overvalued). Cautious scenario 0.6300 PLN, optimistic scenario 1.85 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Reino Capital SA (RNC)?
Reino Capital SA reported trailing-twelve-month revenue of about 94.1M PLN (latest available figure, as of Sep 24, 2026).
What growth is priced into Reino Capital SA (RNC)?
For today's price to be fair in a discounted-cash-flow model, Reino Capital SA would have to grow free cash flow by +16.0 % per year for five years (discount rate 9.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +82.9 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of RNC use?
Our models discount Reino Capital SA at 9.3 %: a base by market capitalisation (nano), damped by beta 0.34, country premium for Poland. 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 Reino Capital SA that is +16.0 % per year a year over ten years, using the same discount rate (9.3 %) and the same formula as our fair value.
How much growth has Reino Capital SA (RNC) delivered so far?
Over the past 5 years revenue at Reino Capital SA grew +82.9 % a year. The price currently implies +16.0 % per year free-cash-flow growth a 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 Reino Capital SA (RNC) growing?
The median revenue growth in the sector is +8.6 % a year. That is the yardstick for the growth priced into Reino Capital SA (+16.0 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Reino Capital SA (RNC)?
The free-cash-flow yield on the price is 4.03 %: that much free cash flow Reino Capital SA produces per unit of market value. When it exceeds the discount rate of our models (9.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Reino Capital SA (RNC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Reino Capital SA it is 1.14 PLN per share (as of Sep 24, 2026), against a price of 1.49 PLN. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Reino Capital SA stock overvalued or undervalued in 2026?
As of Sep 24, 2026, RNC trades above its calculated fair value: price 1.49 PLN, fair value 1.14 PLN, a gap of about −23% (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 RNC?
No. The price is what the market pays today (1.49 PLN); the fair value is what the company's own numbers justify (1.14 PLN). For Reino Capital SA the two are 0.3500 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Reino Capital SA worth?
The market values Reino Capital SA at about 130M PLN (market capitalisation, as of Sep 24, 2026). Per share that is 1.49 PLN; our models calculate a fair value of 1.14 PLN per share.
What do the bullish and bearish scenarios say about RNC?
Our models span a range for Reino Capital SA: cautious scenario 0.6300 PLN, base 1.14 PLN, optimistic 1.85 PLN per share (as of Sep 24, 2026, price 1.49 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of RNC?
Reino Capital SA trades at a price-to-earnings ratio of 37.3 (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 1.14 PLN is built from several models across several years. Other multiples: P/B 1.3, P/S 0.4, EV/EBITDA 6.7.
How solid is the balance sheet of Reino Capital SA (RNC)?
Balance-sheet figures for Reino Capital SA (as of Sep 24, 2026): return on equity 15.5%, debt of 0.59 per unit of equity. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is RNC from its 52-week high?
Reino Capital SA trades at 1.49 PLN, about 21% below its 52-week high of 1.89 PLN and 119% above the low of 0.6800 PLN (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of 1.14 PLN is for.
Which stocks are comparable to Reino Capital SA?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, 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 Reino Capital SA stock attractive at the current price?
The data as of Sep 24, 2026: price 1.49 PLN, calculated fair value 1.14 PLN (−23%), Quality Score 62/100, from 11 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 RNC calculated?
We run Reino Capital SA through 11 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 1.14 PLN, 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 13.2 % above its aggregate fair value. Reino Capital SA 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 Reino Capital SA (RNC)?
The closing price on Sep 25, 2026 was 1.49 PLN. Our model-based fair value is 1.14 PLN, about −23% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Reino Capital SA right now?
The model range is unusually wide (0.6300 PLN to 1.85 PLN). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid but not exceptional quality (62/100) and above fair value, neither a clear bargain nor a standout compounder. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 Reino Capital SA
How large is the market capitalisation of Reino Capital SA (RNC)?
The market capitalisation of Reino Capital SA is 130M PLN (≈ $34.0M). 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 Reino Capital SA (RNC)?
The price-to-sales ratio of Reino Capital SA is 0.76 (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 Reino Capital SA (RNC)?
Earnings per share at Reino Capital SA are 0.0400 PLN (price ÷ EPS = P/E 37.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Reino Capital SA (RNC)?
The net margin of Reino Capital SA is 2.0% (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 Reino Capital SA (RNC)?
The return on equity (ROE) of Reino Capital SA is 15.5% (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 Reino Capital SA (RNC)?
On an EBIT basis the return on assets of Reino Capital SA is 2.3% (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 Reino Capital SA (RNC)?
The operating margin of Reino Capital SA is 6.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Reino Capital SA (RNC)?
Revenue at Reino Capital SA is growing +296% versus a year earlier (3y avg +74.3%). 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 Reino Capital SA (RNC)?
Earnings per share at Reino Capital SA are growing +41.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Reino Capital SA (RNC) carry?
The net debt of Reino Capital SA is 13.0M PLN (fiscal year 2025, ≈ 2.5 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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