Seven Principles AG (T3T1) fair value: what the stock is really worth
As of Nov 9, 2026: fair value (intrinsic value) of Seven Principles AG stock €3.30, price €4.78, that is 31.0% below the price, quality 50 out of 100. Rating: overvalued. Calculated from audited financials with 13 of our 26 valuation models and 37 quality factors, updated daily.
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. As of Nov 7, 2026.
How to read this chart
60‑month range €4.70 – €11.10 · fair‑value band €2.79 – €4.42 · the €4.78 price screens above the €3.30 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Seven Principles AG provides digital business implementation support services in Germany and internationally.
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It offers 360 Degree Advisory service, a comprehensive consulting solution for the entire application lifecycle; compliance-proof, customized software development; managed services for resilient IT; managed legacy systems that future-proof business legacy systems; security and compliance; and AI services for infrastructures, including AI discovery and design sprints, LLM integration, QA for AI, and modernization and knowledge utilization.
The company also provides 7P mobile device management, for data protection, centralized control, legal certainty and compliance, and efficient deployment; 7P Accelerant for customer experience monitoring; and 7P-EMM, a European software for secure management of mobile devices with managed services.
Seven Principles AG was incorporated in 1998 and is headquartered in Cologne, Germany.
Stock analysis
Seven Principles AG (T3T1) currently trades at €4.78, while our model-based Fair Value estimate is €3.30, 31% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of €6.95 per share, and 7 of the 13 models we run sit above the €4.78 price.
Bear case: the Asset-Based group reads lowest at €1.51, and 6 of the 13 models stay below the price. Data coverage for this calculation is medium.
Scenario range: €2.79 (bear) to €4.42 (bull), the price of €4.78 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 50/100 (solid quality), in the Technology sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
Seven Principles AG reported revenue of €59.6M in FY2025 versus €79.9M in FY2021, a compound −7.1%/yr. Reported net income was €1.3M in FY2025, compounding −10.3%/yr from FY2021.
Key figures
Market cap €18.0M Micro · P/E ratio 26.6 · P/S ratio 0.30 · EPS (TTM) €0.1800 · Net margin 1.2% · Return on equity 8.6% · Return on assets (EBIT) 26.5% (5-year average) · Operating margin 0.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 34 out of 100 (low confidence).
What moves the price
The share trades about 11% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at 20% fair-value upside, at −31%, T3T1 screens richer than that median.
Fair Value models
Bear€2.79Fair Value €3.30Bull€4.42
Price €4.78 · Downside -31.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (€0.1544 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.Coverage ⓘCoverage = 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.14/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−10.0%
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.
−9.7%
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.
−5.1%
Start year 2020 (pandemic). Over 10 years: −3.3% a year
Revenue growth 18 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.
+0.8%
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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.
−8.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−8.3%
Dividend (yield on the price)0.0%
Profit margin 2019 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.−4% → 2%
⚠ Revenue per share shrinking 14.3%/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.
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.Information Technology Services · 479 stocks
Beats the industry median on 3/11 measures
Overall it trails its industry peers.
Valuation
Quality Score50 · Below median
Fair Value upside−31.0% · Below median
Profitability
Return on equity (12 months)8.6% · Below median
Return on assets5.9% · Above median
Net margin (12 months)1.2% · Below median
Operating margin (12 months)0.6% · Below median
Growth and dividend
Revenue growth (quarter YoY)0.4% · Below median
Valuation Multiplesvs Information Technology Services median · lower = cheaper
P/E (12 months)26.6× · Pricier than median
P/B2.14× · Cheaper than median
P/S (12 months)0.30× · Cheapest 25%
EV/EBITDA12.0× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 41
FUTURE (revenue growth)2· sector 32
PAST (return on equity)34· sector 36
HEALTH (low debt)100· sector 98
DIVIDEND (yield)0· sector 40
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). "Seven Principles AG Fair Value". https://www.fairvalue-calculator.com/stock/T3T1
Frequently asked questions
Is Seven Principles AG (T3T1) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of €3.30 versus a price of €4.78, about 31% lower (overvalued).
What is the fair value of T3T1?
Our model-based fair value for Seven Principles AG is €3.30 (as of Nov 7, 2026), built from audited fundamentals. The current price: €4.78.
What is the quality score of T3T1?
Seven Principles AG has a Quality Score of 50/100. 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 Seven Principles AG (T3T1)?
Our model-based price target is the fair value of €3.30 (as of Nov 7, 2026) from 13 valuation models. Cautious scenario €2.79, optimistic scenario €4.42. It is a calculation from audited fundamentals, not an analyst target.
What is the Seven Principles AG stock forecast for 2026?
Our models put fair value at €3.30, about 31% lower versus a price of €4.78 (overvalued). Cautious scenario €2.79, optimistic scenario €4.42. The calculation is refreshed regularly with new filings.
What is the revenue of Seven Principles AG (T3T1)?
Seven Principles AG reported trailing-twelve-month revenue of about €59.7M (latest available figure, as of Nov 7, 2026).
What is the intrinsic value of Seven Principles AG (T3T1)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Seven Principles AG it is €3.30 per share (as of Nov 7, 2026), against a price of €4.78. It is the blended result of 13 valuation models in 6 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Economic Profit, Growth Earnings).
Is Seven Principles AG stock overvalued or undervalued in 2026?
As of Nov 7, 2026, T3T1 trades above its calculated fair value: price €4.78, fair value €3.30, a gap of about −31% (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 T3T1?
No. The price is what the market pays today (€4.78); the fair value is what the company's own numbers justify (€3.30). For Seven Principles AG the two are €1.48 per share apart. That gap is exactly why we show both numbers side by side.
How much is Seven Principles AG worth?
The market values Seven Principles AG at about €18.0M (market capitalisation, as of Nov 7, 2026). Per share that is €4.78; our models calculate a fair value of €3.30 per share.
What do the bullish and bearish scenarios say about T3T1?
Our models span a range for Seven Principles AG: cautious scenario €2.79, base €3.30, optimistic €4.42 per share (as of Nov 7, 2026, price €4.78). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of T3T1?
Seven Principles AG trades at a price-to-earnings ratio of 26.6 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €3.30 is built from several models across several years. Median P/E at fiscal year-end, 7 fiscal years (2017 to 2025), reported earnings: 16.4. Other multiples: P/B 2.1, P/S 0.3, EV/EBITDA 12.0.
How solid is the balance sheet of Seven Principles AG (T3T1)?
Balance-sheet figures for Seven Principles AG (as of Nov 7, 2026): return on equity 8.6%. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is T3T1 from its 52-week high?
Seven Principles AG trades at €4.78, about 11% below its 52-week high of €5.35 and 2% above the low of €4.70 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of €3.30 is for.
Which stocks are comparable to Seven Principles AG?
From the same area (Technology) we also value International Business Machines Corporation, Accenture plc, Tata Consultancy Services Limited, Infosys Limited, 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 Seven Principles AG stock attractive at the current price?
The data as of Nov 7, 2026: price €4.78, calculated fair value €3.30 (−31%), Quality Score 50/100, from 13 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 T3T1 calculated?
We run Seven Principles AG through 13 models from 6 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of €3.30 builds on their evidence-weighted average, 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 13.3% above its aggregate fair value. Seven Principles AG 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 Seven Principles AG (T3T1)?
The closing price on Nov 9, 2026 was €4.78. Our model-based fair value is €3.30, about 31% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Seven Principles AG right now?
The price sits above even our optimistic bull case (€4.42). The favourable scenario is already priced in. Solid but not exceptional quality (50/100) and above fair value, neither a clear bargain nor a standout compounder.
Key figures of Seven Principles AG
How large is the market capitalisation of Seven Principles AG (T3T1)?
The market capitalisation of Seven Principles AG is €18.0M. 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 Seven Principles AG (T3T1)?
The price-to-sales ratio of Seven Principles AG is 0.30 (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 Seven Principles AG (T3T1)?
Earnings per share at Seven Principles AG are €0.1800 (price ÷ EPS = P/E 26.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Seven Principles AG (T3T1)?
The net margin of Seven Principles AG is 1.2% (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 Seven Principles AG (T3T1)?
The return on equity (ROE) of Seven Principles AG is 8.6% (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 Seven Principles AG (T3T1)?
On an EBIT basis the return on assets of Seven Principles AG is 26.5% (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 Seven Principles AG (T3T1)?
The operating margin of Seven Principles AG is 0.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Seven Principles AG (T3T1)?
Revenue at Seven Principles AG is growing +0.4% versus a year earlier (3y avg −9.7%). 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 Seven Principles AG (T3T1)?
Earnings per share at Seven Principles AG are growing +23.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Seven Principles AG (T3T1) generate?
The free cash flow of Seven Principles AG is −€1.0M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Seven Principles AG (T3T1) hold?
Seven Principles AG holds more cash than debt, €3.6M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Nov 7, 2026