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Sino-German United AG (SGU) Fair Value & Analysis

Financial Services · DE · Market cap €198K

SG Sino-German United AG SGU · F
Price€0.1220
Fair Value€0.2200
Upside+80.3%
Quality51/100
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Strengths

Trades 80% below our fair value of €0.2200
Moderate debt · generates free cash flow

Risks

!Mixed Growth
!Loss-making · -2.0% net margin
!Mixed vs. peers (5/12)
!Narrow moat 4/100
Mixed Growth
Loss-making · -2.0% net margin
Moderate debt · generates free cash flow
Mixed vs. peers (5/12)
Narrow moat 4/100
Evidence: Low Range €0.1470 – €0.2770 Share as image

Fair value as of: Aug 20, 2026

From 3 valuation models · updated yesterday

Share price −2.4% over the past month.

A solid business, screening 80% undervalued on our models.

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What matters now

  • The price is below even our cautious bear case (€0.1470). The market is more pessimistic than our downside scenario.
  • 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 quality (51/100) at a price below fair value, the discount is the argument here, not the business quality.
  • A fairly wide model range (€0.1470 to €0.2770) leaves room in how you read the outcome.
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Price vs Fair Value (5 years)

€1.40 €0.0215 Fair Value €0.2200 Sep 2019 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 20, 2026.

How to read this chart

60‑month range €0.0215 – €1.40 · fair‑value band €0.1470 – €0.2770 · the €0.1220 price screens below the €0.2200 fair value. Dashed = 300-day average. As of Aug 20, 2026.

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Analysis

Sino-German United AG (SGU) currently trades at €0.1220, while our model-based Fair Value estimate is €0.2200, implying the stock looks roughly 80.3% undervalued today. The Quality Score stands at 51/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low), always confirm before acting.

Over the trailing twelve months, Sino-German United AG generated revenue of €2.0M at a net margin of -2.0%. Revenue declined 26.6% year over year. It earns a return on equity of -3.3%. Fundamentals as of Aug 20, 2026

Our scenario range runs from €0.1470 (bear case) to €0.2770 (bull case); at €0.1220, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 79% below its 52-week high and 11% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -19% fair-value upside, at 80%, SGU screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

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
Highest evidence
Growth DCF €0.4800 €0.6200 €0.8300 80
Rev-Margin DCF €0.5100 €0.8000 €1.17 74
NCAV (Graham) €0.3300 €0.4400 €0.6600 50
All 3 models by family
Asset-Based
NCAV (Graham) €0.3300 €0.4400 €0.6600 50
Growth DCF
Growth DCF €0.4800 €0.6200 €0.8300 80
Rev-Margin DCF €0.5100 €0.8000 €1.17 74

Widest divergence: Growth DCF (€0.6200) versus Asset-Based (€0.4400). Highest evidence: Growth DCF (80).

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Key figures & financial health

Revenue (TTM) €2.0M
Revenue growth (YoY) -26.6%
Net margin -2.0%
Return on equity -3.3%
Free cash flow €148K FY2025
Operating margin -3.6%
More key figures
EPS (TTM) €-0.0500

Figures from reported company fundamentals · as of Aug 20, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 51/100

Of which business quality 57 · Market factors (momentum, volatility) 15

Profitability 14
Margins and returns on capital today
Quality Growth 23
Are margins and returns improving?
Cashflow 61
Earnings quality: real cash, not paper profit
Fin. Strength 80
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 11
Calm price path (market factor)
Momentum 23
Price trend over the last 3–12 months (market factor)
52W Momentum 8
Distance to the 52-week high (market factor)
Net Issuance 82
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

Sino-German United AG operates a trading and service company in Germany and the People's Republic of China. The company engages in the import and export of and trade in food, beer, daily necessary products, mechanical equipment, and building materials; and the provision of consulting and other services.

Full company description

Sino-German United AG operates a trading and service company in Germany and the People's Republic of China. The company engages in the import and export of and trade in food, beer, daily necessary products, mechanical equipment, and building materials; and the provision of consulting and other services. It also involved in cross-border sourcing and overseas warehousing business. Sino-German United AG was founded in 2016 and is based in Munich, Germany.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Sino-German United AG reported revenue of €1.7M in FY2025 versus €2.7M in FY2021, a compound −10.1%/yr. Reported net income was −€85.1K in FY2025.

Growth Quality 36/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
€1.7M
Latest YoY
−28.3%
Avg. growth/yr (3Y) 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.
−16.8%
Avg. growth/yr (5Y) 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.
+3.5%
Avg. growth/yr (9Y) 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.
+12.6%
Revenue −10.1%/yr
FY21 €2.7M
FY22 €3.0M
FY23 €2.9M
FY24 €2.4M
FY25 €1.7M
Net income
FY21 €30.5K
FY22 €120K
FY23 −€20.6K
FY24 €78.0K
FY25 −€85.1K

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Cite: Fair Value Calculator (2026). "Sino-German United AG Fair Value". https://www.fairvalue-calculator.com/stock/SGU.F

Peer Group

Capital Markets · 434 stocks

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.

Quality Score 54 · Above median
Fair Value upside +100% · Top 25%
Return on assets -2% · Bottom 25%
Net margin (TTM) -2% · Bottom 25%
Operating margin (TTM) -4% · Bottom 25%
Revenue growth -27% · Bottom 25%
Debt / equity 0.80× · Higher than 75% of peers

Valuation Multiples vs Capital Markets median · lower = cheaper

P/B 0.19× · Cheaper than 75% of peers
P/S (TTM) 0.11× · Cheaper than 75% of peers
P/FCF 1.6× · Pricier than median
EV/EBITDA 3.5× · Cheaper than 75% of peers

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE100 · sector 15
FUTURE0 · sector 91
PAST0 · sector 30
HEALTH60 · sector 93
DIVIDEND0 · sector 38

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 Capital Markets stocks, each showing price versus our Fair Value estimate (as of Aug 20, 2026).

Stock Price Fair Value vs Fair Value
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Meritz Financial Group 138040 118,600 KRW 52,717 KRW -56%
Korea Investment Holdings 071050 200,500 KRW 189,335 KRW -6%
NH Investment & Securities Co 005940 28,550 KRW 22,396 KRW -22%
Samsung Securities Co 016360 93,100 KRW 75,573 KRW -19%
Kiwoom Securities Co 039490 299,000 KRW 214,812 KRW -28%
SSI Securities Corporation SSI 19,400 VND 17,375 VND -10%
Bolsas y Mercados Argentinos S.A BYMA 313.75 ARS 294.30 ARS -6%
Daishin Securities Co 003540 26,950 KRW 48,790 KRW +81%
SK Securities Co 001515 4,285 KRW 1,395 KRW -67%

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Frequently asked questions

Is Sino-German United AG (SGU) overvalued or undervalued?
As of Aug 20, 2026, our model estimates a fair value of €0.2200 versus a price of €0.1220, about +80% (undervalued).
What is the fair value of SGU?
Our model-based fair value for Sino-German United AG is €0.2200 (as of Aug 20, 2026), built from audited fundamentals. The current price: €0.1220.
What is the quality score of SGU?
Sino-German United AG has a Quality Score of 51/100. 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 revenue of Sino-German United AG (SGU)?
Sino-German United AG reported trailing-twelve-month revenue of about €2.0M (latest available figure, as of Aug 20, 2026).
What is the net profit margin of SGU?
The net profit margin of Sino-German United AG is about -2.0%, meaning it is currently running at a net loss. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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