Sanwil Holding SA (SNW) fair value: what the stock is really worth
We calculate from audited financials what Sanwil Holding SA is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 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 13, 2026.
How to read this chart
60‑month range 1.05 PLN – 2.80 PLN · fair‑value band 1.67 PLN – 2.37 PLN · the 1.90 PLN price screens below the 1.92 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 3 fiscal years are left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 13, 2026.
Sanwil Holding Spólka Akcyjna engages in the production and sale of coated products. The company also manufactures and sells fabrics for furniture, footwear, and other industries, such as medical, clothing, transport, tarpaulins, specialist technical fabrics. The company operates in Poland, the rest of European Union countries, and Ukraine.
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Sanwil Holding Spólka Akcyjna engages in the production and sale of coated products. The company also manufactures and sells fabrics for furniture, footwear, and other industries, such as medical, clothing, transport, tarpaulins, specialist technical fabrics. The company operates in Poland, the rest of European Union countries, and Ukraine. Sanwil Holding Spólka Akcyjna was founded in 1971 and is headquartered in Lublin, Poland.
Stock analysis
Sanwil Holding SA (SNW) currently trades at 1.90 PLN, while our model-based Fair Value estimate is 1.92 PLN, implying the stock looks roughly 1.3% fairly valued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of 2.62 PLN per share, and 7 of the 15 models we run sit above the 1.90 PLN price.
Bear case: the Earnings-Based group reads lowest at 0.9300 PLN, and 8 of the 15 models stay below the price. Evidence for this calculation is low.
Scenario range: 1.67 PLN (bear) to 2.37 PLN (bull), the price of 1.90 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 55/100 (solid quality), in the Consumer Cyclical sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
Sanwil Holding SA reported revenue of 25.1M PLN in FY2025 versus 29.5M PLN in FY2021, a compound −3.9%/yr. Reported net income was 1.8M PLN in FY2025, compounding −19.8%/yr from FY2021.
Key figures
Market cap 30.3M PLN (≈ $8.0M) · P/E ratio 13.8 · P/S ratio 0.99 · EPS (TTM) 0.0700 PLN · Net margin 7.2% · Return on equity 1.9% · Return on assets (EBIT) −0.1% · Operating margin 2.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades near its 52-week high and 57% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at 59% fair-value upside, at 1%, SNW screens richer than that median.
Fair Value models
Bear 1.67 PLNFair Value 1.92 PLNBull 2.37 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 (0.0799 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.40/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−8.2%
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.
−3.2%
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.
−11.5%
Revenue growth 17 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.
−3.0%
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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.
−22.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−22.3%
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.15% → −7%
⚠ Revenue per share shrinking 14.1%/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
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).
less than -40 %
Yearly growth needed for the next five years to justify today's 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.Footwear & Accessories · 89 stocks
Beats the industry median on 5/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score55 · Below median
Fair Value upside−68% · Bottom 25%
Profitability
Return on equity (TTM)2% · Below median
Return on assets−1% · Bottom 25%
Net margin (TTM)5% · Above median
Operating margin (TTM)3% · Below median
Growth and dividend
Revenue growth8% · Top 25%
Valuation Multiplesvs Footwear & Accessories median · lower = cheaper
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). "Sanwil Holding SA Fair Value". https://www.fairvalue-calculator.com/stock/SNW
Frequently asked questions
Is Sanwil Holding SA (SNW) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of 1.92 PLN versus a price of 1.90 PLN, about +1% upside (fairly valued).
What is the fair value of SNW?
Our model-based fair value for Sanwil Holding SA is 1.92 PLN (as of Sep 13, 2026), built from audited fundamentals. The current price: 1.90 PLN.
What is the quality score of SNW?
Sanwil Holding SA has a Quality Score of 55/100. 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 Sanwil Holding SA (SNW)?
Our model-based price target is the fair value of 1.92 PLN (as of Sep 13, 2026) from 15 valuation models. Cautious scenario 1.67 PLN, optimistic scenario 2.37 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Sanwil Holding SA stock forecast for 2026?
Our models put fair value at 1.92 PLN, about +1% upside versus a price of 1.90 PLN (fairly valued). Cautious scenario 1.67 PLN, optimistic scenario 2.37 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Sanwil Holding SA (SNW)?
Sanwil Holding SA reported trailing-twelve-month revenue of about 25.1M PLN (latest available figure, as of Sep 13, 2026).
What growth is priced into Sanwil Holding SA (SNW)?
For today's price to be fair in a discounted-cash-flow model, Sanwil Holding SA would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 9.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -11.5 % per year. As of Sep 13, 2026.
What discount rate (WACC) does the fair value of SNW use?
Our models discount Sanwil Holding SA at 9.4 %: a base by market capitalisation (nano), damped by beta 0.54, 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 Sanwil Holding SA that is less than minus 40 % per year a year over ten years, using the same discount rate (9.4 %) and the same formula as our fair value.
How much growth has Sanwil Holding SA (SNW) delivered so far?
Over the past 5 years revenue at Sanwil Holding SA grew -11.5 % a year. The price currently implies less than minus 40 % 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 Sanwil Holding SA (SNW) growing?
The median revenue growth in the sector is +2.6 % a year. That is the yardstick for the growth priced into Sanwil Holding SA (less than minus 40 % 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 Sanwil Holding SA (SNW)?
The free-cash-flow yield on the price is 3.77 %: that much free cash flow Sanwil Holding SA produces per unit of market value. When it exceeds the discount rate of our models (9.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Sanwil Holding SA (SNW)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Sanwil Holding SA it is 1.92 PLN per share (as of Sep 13, 2026), against a price of 1.90 PLN. It is the blended result of 15 valuation models (cash flow, earnings, asset, dividend).
Is Sanwil Holding SA stock overvalued or undervalued in 2026?
As of Sep 13, 2026, SNW trades below its calculated fair value: price 1.90 PLN, fair value 1.92 PLN, a gap of about +1% (fairly valued). 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 SNW?
No. The price is what the market pays today (1.90 PLN); the fair value is what the company's own numbers justify (1.92 PLN). For Sanwil Holding SA the two are 0.0250 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Sanwil Holding SA worth?
The market values Sanwil Holding SA at about 30.3M PLN (market capitalisation, as of Sep 13, 2026). Per share that is 1.90 PLN; our models calculate a fair value of 1.92 PLN per share.
What do the bullish and bearish scenarios say about SNW?
Our models span a range for Sanwil Holding SA: cautious scenario 1.67 PLN, base 1.92 PLN, optimistic 2.37 PLN per share (as of Sep 13, 2026, price 1.90 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SNW?
Sanwil Holding SA trades at a price-to-earnings ratio of 13.8 (as of Sep 13, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 1.92 PLN is built from several models across several years. Other multiples: P/B 0.1, P/S 0.3.
How solid is the balance sheet of Sanwil Holding SA (SNW)?
Balance-sheet figures for Sanwil Holding SA (as of Sep 13, 2026): return on equity 1.9%. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is SNW from its 52-week high?
Sanwil Holding SA trades at 1.90 PLN, about 13% below its 52-week high of 1.68 PLN and 57% above the low of 1.21 PLN (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of 1.92 PLN is for.
Which stocks are comparable to Sanwil Holding SA?
From the same area (Consumer Cyclical) we also value NIKE, Inc, Deckers Outdoor Corporation, On Holding, Zhejiang China Commodities City 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 Sanwil Holding SA stock attractive at the current price?
The data as of Sep 13, 2026: price 1.90 PLN, calculated fair value 1.92 PLN (+1%), Quality Score 55/100, from 15 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 SNW calculated?
We run Sanwil Holding SA through 15 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 1.92 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 16.1 % above its aggregate fair value. Sanwil Holding SA currently trades 1 % below its own fair value, and the market average says nothing about that. 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 Sanwil Holding SA (SNW)?
The closing price on Sep 21, 2026 was 1.90 PLN. Our model-based fair value is 1.92 PLN, about +1% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Sanwil Holding SA right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
Key figures of Sanwil Holding SA
How large is the market capitalisation of Sanwil Holding SA (SNW)?
The market capitalisation of Sanwil Holding SA is 30.3M PLN (≈ $8.0M). 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 Sanwil Holding SA (SNW)?
The price-to-sales ratio of Sanwil Holding SA is 0.99 (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 Sanwil Holding SA (SNW)?
Earnings per share at Sanwil Holding SA are 0.0700 PLN (price ÷ EPS = P/E 13.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Sanwil Holding SA (SNW)?
The net margin of Sanwil Holding SA is 7.2% (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 Sanwil Holding SA (SNW)?
The return on equity (ROE) of Sanwil Holding SA is 1.9% (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 Sanwil Holding SA (SNW)?
On an EBIT basis the return on assets of Sanwil Holding SA is −0.1% (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 Sanwil Holding SA (SNW)?
The operating margin of Sanwil Holding SA is 2.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Sanwil Holding SA (SNW)?
Revenue at Sanwil Holding SA is growing +8.4% versus a year earlier (3y avg −3.2%). 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 Sanwil Holding SA (SNW)?
Earnings per share at Sanwil Holding SA are growing −43.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Sanwil Holding SA (SNW) hold?
Sanwil Holding SA holds more cash than debt, 14.1M PLN net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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