Fiducial Office Solutions (SACI) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Fiducial Office Solutions €5.50, price €36.00, upside -84.7%, quality 49 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch Fiducial Office Solutions for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
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, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range €25.23 – €40.60 · fair‑value band €5.13 – €6.06 · the €36.00 price screens above the €5.50 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 24, 2026.
Follow Fiducial Office Solutions in your weekly email
Every Wednesday you see whether Fiducial Office Solutions is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Fiducial Office Solutions distributes office supplies and furniture products in France. It offers online printing services. The company was founded in 1949 and is based in Courbevoie, France. Fiducial Office Solutions operates as a subsidiary of Fiducial Sofiral.
Stock analysis
Fiducial Office Solutions (SACI) currently trades at €36.00, while our model-based Fair Value estimate is €5.50, 84.7% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of €26.75 per share, and 0 of the 5 models we run sit above the €36.00 price.
Bear case: the Dividend Discount group reads lowest at €5.21, and 5 of the 5 models stay below the price. Evidence for this calculation is low.
Scenario range: €5.13 (bear) to €6.06 (bull), the price of €36.00 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 49/100 (below-average quality), in the Industrials sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
Fiducial Office Solutions reported revenue of €183M in FY2025 versus €192M in FY2021, a compound −1.2%/yr. Reported net income was −€2.9M in FY2025.
Key figures
Market cap €78.1M · P/E ratio 42.9 · P/S ratio 0.33 · EPS (TTM) €0.8400 · Dividend yield 2.6% · Net margin −1.6% · Return on equity −4.6% · Return on assets (EBIT) 1.5%.
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 11% below its 52-week high and 36% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Industrials peers we cover trades at −19% fair-value upside, at −85%, SACI screens richer than that median.
Fair Value models
Bear €5.13Fair Value €5.50Bull €6.06
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 12 months old). Earnings retained since then (€0.8400 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.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.7/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
−10.9%
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.
−5.3%
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.
+0.9%
Start year 2020 (pandemic). Over 10 years: +0.0% a year
Revenue growth 19 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.
−0.4%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
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.
1.0% (2020) → −1.5% (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
Compare Fiducial Office Solutions with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
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.Business Equipment & Supplies · 73 stocks
Beats the industry median on 4/11 measures
Overall it trails its industry peers.
Valuation
Quality Score49 · Below median
Fair Value upside−84.7% · Bottom 25%
Profitability
Return on assets−1.5% · Bottom 25%
Net margin (TTM)−2.0% · Below median
Operating margin (TTM)−0.5% · Bottom 25%
Growth and dividend
Revenue growth−5.7% · Bottom 25%
Dividend yield (TTM)2.6% · Above median
Balance sheet
Debt / equity0.00× · Lowest 25%
Valuation Multiplesvs Business Equipment & Supplies median · lower = cheaper
P/E (TTM)42.9× · Priciest 25%
P/B1.14× · Cheaper than median
P/S (TTM)0.50× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 25
FUTURE (revenue growth)0· sector 26
PAST (return on equity)0· sector 25
HEALTH (low debt)100· sector 98
DIVIDEND (yield)52· sector 49
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 Fiducial Office Solutions (SACI) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of €5.50 versus a price of €36.00, about −85% upside (overvalued).
What is the fair value of SACI?
Our model-based fair value for Fiducial Office Solutions is €5.50 (as of Sep 24, 2026), built from audited fundamentals. The current price: €36.00.
What is the quality score of SACI?
Fiducial Office Solutions has a Quality Score of 49/100. 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 Fiducial Office Solutions (SACI)?
Our model-based price target is the fair value of €5.50 (as of Sep 24, 2026) from 5 valuation models. Cautious scenario €5.13, optimistic scenario €6.06. It is a calculation from audited fundamentals, not an analyst target.
What is the Fiducial Office Solutions stock forecast for 2026?
Our models put fair value at €5.50, about −85% upside versus a price of €36.00 (overvalued). Cautious scenario €5.13, optimistic scenario €6.06. The calculation is refreshed regularly with new filings.
What is the revenue of Fiducial Office Solutions (SACI)?
Fiducial Office Solutions reported trailing-twelve-month revenue of about €177M (latest available figure, as of Sep 24, 2026).
Does Fiducial Office Solutions pay a dividend?
Fiducial Office Solutions currently shows a dividend yield of about 2.61% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Fiducial Office Solutions (SACI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Fiducial Office Solutions it is €5.50 per share (as of Sep 24, 2026), against a price of €36.00. It is the blended result of 5 valuation models (cash flow, earnings, asset, dividend).
Is Fiducial Office Solutions stock overvalued or undervalued in 2026?
As of Sep 24, 2026, SACI trades above its calculated fair value: price €36.00, fair value €5.50, a gap of about −85% (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 SACI?
No. The price is what the market pays today (€36.00); the fair value is what the company's own numbers justify (€5.50). For Fiducial Office Solutions the two are €30.50 per share apart. That gap is exactly why we show both numbers side by side.
How much is Fiducial Office Solutions worth?
The market values Fiducial Office Solutions at about €78.1M (market capitalisation, as of Sep 24, 2026). Per share that is €36.00; our models calculate a fair value of €5.50 per share.
What do the bullish and bearish scenarios say about SACI?
Our models span a range for Fiducial Office Solutions: cautious scenario €5.13, base €5.50, optimistic €6.06 per share (as of Sep 24, 2026, price €36.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SACI?
Fiducial Office Solutions trades at a price-to-earnings ratio of 42.9 (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 €5.50 is built from several models across several years. Other multiples: P/B 1.1, P/S 0.5.
How solid is the balance sheet of Fiducial Office Solutions (SACI)?
Balance-sheet figures for Fiducial Office Solutions (as of Sep 24, 2026): return on equity −4.6%, debt of 0.00 per unit of equity. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is SACI from its 52-week high?
Fiducial Office Solutions trades at €36.00, about 11% below its 52-week high of €40.60 and 36% above the low of €26.40 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of €5.50 is for.
Which stocks are comparable to Fiducial Office Solutions?
From the same area (Industrials) we also value GRG Banking Equipment Co, Shanghai M&G Stationery Inc, Crane NXT, Co, XGD 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 Fiducial Office Solutions stock attractive at the current price?
The data as of Sep 24, 2026: price €36.00, calculated fair value €5.50 (−85%), Quality Score 49/100, from 5 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 SACI calculated?
We run Fiducial Office Solutions through 5 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 €5.50, 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 14.5 % above its aggregate fair value. Fiducial Office Solutions 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 Fiducial Office Solutions (SACI)?
The closing price on Oct 2, 2026 was €36.00. Our model-based fair value is €5.50, about −85% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Fiducial Office Solutions right now?
The price sits above even our optimistic bull case (€6.06). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (49/100) and above fair value, neither a clear bargain nor a standout compounder.
Where does the earnings growth of Fiducial Office Solutions (SACI) come from?
Earnings per share at Fiducial Office Solutions grew +2.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share +1.6 %, EBIT margin +2.3 %, tax rate +0.2 %, residual (interest, one-offs) −1.2 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Fiducial Office Solutions
How large is the market capitalisation of Fiducial Office Solutions (SACI)?
The market capitalisation of Fiducial Office Solutions is €78.1M. 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 Fiducial Office Solutions (SACI)?
The price-to-sales ratio of Fiducial Office Solutions is 0.33 (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 Fiducial Office Solutions (SACI)?
Earnings per share at Fiducial Office Solutions are €0.8400 (price ÷ EPS = P/E 42.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Fiducial Office Solutions (SACI)?
The dividend yield of Fiducial Office Solutions is 2.6% (payout 112%). 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 Fiducial Office Solutions (SACI)?
The net margin of Fiducial Office Solutions is −1.6% (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 Fiducial Office Solutions (SACI)?
The return on equity (ROE) of Fiducial Office Solutions is −4.6% (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 Fiducial Office Solutions (SACI)?
On an EBIT basis the return on assets of Fiducial Office Solutions is 1.5% (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 Fiducial Office Solutions (SACI)?
The operating margin of Fiducial Office Solutions is −0.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Fiducial Office Solutions (SACI)?
Revenue at Fiducial Office Solutions is growing −5.7% versus a year earlier (3y avg −5.3%). 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 Fiducial Office Solutions (SACI)?
Earnings per share at Fiducial Office Solutions are growing −92.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Fiducial Office Solutions (SACI) generate?
The free cash flow of Fiducial Office Solutions is −€4.8M (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 Fiducial Office Solutions (SACI) carry?
The net debt of Fiducial Office Solutions is €9.2M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch Fiducial Office Solutions in the live analysis
One click puts Fiducial Office Solutions on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
