SAB Finance as (SABFG) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of SAB Finance as CZK 545, price CZK 1,050, upside -48.1%, quality 48 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 695.43 CZK – 1,120 CZK · fair‑value band 409.00 CZK – 681.67 CZK · the 1,050 CZK price screens above the 545.34 CZK 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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SAB Finance a.s. provides various foreign exchange services in the Czech Republic. The company was founded in 1999 and is headquartered in Prague, the Czech Republic. SAB Finance a.s. (SEP:SABFG) operates as a subsidiary of TRINITY Banking Group a.s.
Stock analysis
SAB Finance as (SABFG) currently trades at 1,050 CZK, while our model-based Fair Value estimate is 545.34 CZK, implying the stock looks roughly 92.5% overvalued today.
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Valuation
How firm this estimate is: it rests on 17 models at a data quality of 95/100, which puts the evidence level at medium.
Scenario range: 409.00 CZK (bear) to 681.67 CZK (bull), the price of 1,050 CZK 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 48/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
SAB Finance as reported revenue of 1.4M CZK in FY2025 versus 2.1M CZK in FY2021, a compound −9.0%/yr. Reported net income was 285M CZK in FY2025, compounding +7.7%/yr from FY2021.
Key figures
Market cap 3.2B CZK (≈ $149M) · P/E ratio 11.2 · EPS (TTM) 93.66 CZK · Net margin 442% · Return on equity 14.8% · Return on assets (EBIT) −3.9% · Operating margin 133% · Revenue growth (YoY) −32.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 10% 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 −48%, SABFG screens richer than that median.
Fair Value models
Bear 409.00 CZKFair Value 545.34 CZKBull 681.67 CZK
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 (68.77 CZK 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.40/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
+1.0%
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.
−6.6%
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.
−7.0%
Start year 2020 (pandemic)
Revenue growth 6 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.
−8.9%
’19
’20
’21
’22
’24
’25
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.
+15.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+15.6%
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.−7,307% → −17,501%
Growth Forecast
A lot of optimism in the price
The price assumes more 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).
+24.7%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Czechia: IMF forecast 2.2% a year to 2030, 4.5% from 2016 to 2025) that is about +22.0% 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 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score50 · Below median
Fair Value upside−48% · Bottom 25%
Profitability
Return on equity (TTM)15% · Above median
Return on assets−3% · Bottom 25%
Operating margin (TTM)133% · Top 25%
Growth and dividend
Revenue growth−32% · Bottom 25%
Dividend yield (TTM)0.0% · Bottom 25%
Balance sheet
Debt / equity0.32× · Above median
Valuation Multiplesvs Capital Markets median · lower = cheaper
P/E (TTM)11.2× · Cheaper than median
P/B0.08× · Cheapest 25%
P/S (TTM)2.31× · Cheaper than median
P/FCF0.8× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 27
FUTURE (revenue growth)0· sector 85
PAST (return on equity)59· sector 30
HEALTH (low debt)84· sector 95
DIVIDEND (yield)0· sector 41
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.
Cite: Fair Value Calculator (2026). "SAB Finance as Fair Value". https://www.fairvalue-calculator.com/stock/SABFG
Frequently asked questions
Is SAB Finance as (SABFG) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 545.34 CZK versus a price of 1,050 CZK, about −48% upside (overvalued).
What is the fair value of SABFG?
Our model-based fair value for SAB Finance as is 545.34 CZK (as of Sep 24, 2026), built from audited fundamentals. The current price: 1,050 CZK.
What is the quality score of SABFG?
SAB Finance as has a Quality Score of 48/100. 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 SAB Finance as (SABFG)?
Our model-based price target is the fair value of 545.34 CZK (as of Sep 24, 2026) from 2 valuation models. Cautious scenario 409.00 CZK, optimistic scenario 681.67 CZK. It is a calculation from audited fundamentals, not an analyst target.
What is the SAB Finance as stock forecast for 2026?
Our models put fair value at 545.34 CZK, about −48% upside versus a price of 1,050 CZK (overvalued). Cautious scenario 409.00 CZK, optimistic scenario 681.67 CZK. The calculation is refreshed regularly with new filings.
What growth is priced into SAB Finance as (SABFG)?
For today's price to be fair in a discounted-cash-flow model, SAB Finance as would have to grow free cash flow by +24.7 % per year for five years (discount rate 15.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -7.0 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of SABFG use?
Our models discount SAB Finance as at 15.5 %: a base by market capitalisation (micro), country premium for Czechia. 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 SAB Finance as that is +24.7 % per year a year over ten years, using the same discount rate (15.5 %) and the same formula as our fair value.
How much growth has SAB Finance as (SABFG) delivered so far?
Over the past 5 years revenue at SAB Finance as grew -7.0 % a year. The price currently implies +24.7 % 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 SAB Finance as (SABFG) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into SAB Finance as (+24.7 % 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 SAB Finance as (SABFG)?
The free-cash-flow yield on the price is 5.54 %: that much free cash flow SAB Finance as produces per unit of market value. When it exceeds the discount rate of our models (15.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of SAB Finance as (SABFG)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For SAB Finance as it is 545.34 CZK per share (as of Sep 24, 2026), against a price of 1,050 CZK. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is SAB Finance as stock overvalued or undervalued in 2026?
As of Sep 24, 2026, SABFG trades above its calculated fair value: price 1,050 CZK, fair value 545.34 CZK, a gap of about −48% (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 SABFG?
No. The price is what the market pays today (1,050 CZK); the fair value is what the company's own numbers justify (545.34 CZK). For SAB Finance as the two are 504.66 CZK per share apart. That gap is exactly why we show both numbers side by side.
How much is SAB Finance as worth?
The market values SAB Finance as at about 3.2B CZK (market capitalisation, as of Sep 24, 2026). Per share that is 1,050 CZK; our models calculate a fair value of 545.34 CZK per share.
What do the bullish and bearish scenarios say about SABFG?
Our models span a range for SAB Finance as: cautious scenario 409.00 CZK, base 545.34 CZK, optimistic 681.67 CZK per share (as of Sep 24, 2026, price 1,050 CZK). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SABFG?
SAB Finance as trades at a price-to-earnings ratio of 11.2 (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 545.34 CZK is built from several models across several years. Other multiples: P/B 0.1, P/S 2.3.
How solid is the balance sheet of SAB Finance as (SABFG)?
Balance-sheet figures for SAB Finance as (as of Sep 24, 2026): return on equity 14.8%, debt of 0.32 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is SABFG from its 52-week high?
SAB Finance as trades at 1,050 CZK, about 6% below its 52-week high of 1,120 CZK and 10% above the low of 958.49 CZK (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 545.34 CZK is for.
Which stocks are comparable to SAB Finance as?
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 SAB Finance as stock attractive at the current price?
The data as of Sep 24, 2026: price 1,050 CZK, calculated fair value 545.34 CZK (−48%), Quality Score 48/100, from 2 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 SABFG calculated?
We run SAB Finance as through 2 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 545.34 CZK, 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. SAB Finance as 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 SAB Finance as (SABFG)?
The closing price on Sep 24, 2026 was 1,050 CZK. Our model-based fair value is 545.34 CZK, about −48% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with SAB Finance as right now?
The price sits above even our optimistic bull case (681.67 CZK). The favourable scenario is already priced in. Solid but not exceptional quality (48/100) 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 SAB Finance as
How large is the market capitalisation of SAB Finance as (SABFG)?
The market capitalisation of SAB Finance as is 3.2B CZK (≈ $149M). 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 are the earnings per share of SAB Finance as (SABFG)?
Earnings per share at SAB Finance as are 93.66 CZK (price ÷ EPS = P/E 11.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of SAB Finance as (SABFG)?
The net margin of SAB Finance as is 442% (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 SAB Finance as (SABFG)?
The return on equity (ROE) of SAB Finance as is 14.8% (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 SAB Finance as (SABFG)?
On an EBIT basis the return on assets of SAB Finance as is −3.9% (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 SAB Finance as (SABFG)?
The operating margin of SAB Finance as is 133% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at SAB Finance as (SABFG)?
Revenue at SAB Finance as is growing −32.1% versus a year earlier (3y avg −6.6%). 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 SAB Finance as (SABFG)?
Earnings per share at SAB Finance as are growing −16.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does SAB Finance as (SABFG) carry?
The net debt of SAB Finance as is 145M CZK (fiscal year 2025, ≈ 0.8 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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