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TomTom N.V (TMOAF) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of TomTom N.V $0.81, price $5.00, upside -83.8%, quality 61 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Thin data
Sep 24, 2026
Thin data
Sep 24, 2026
TomTom N.V
TMOAF · USStretched ValuationStrong overvaluation with only moderate quality.
!Fair value $0.8100 · Strongly overvalued (−83.8%)
✓Quality 61/100
!Weak Growth (revenue 5y +1.0 %/yr)
!Thin margins · 0.8% net margin (TTM)
✓Low debt · generates free cash flow
!Narrow moat 36/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See 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 $4.09 – $10.60 · fair‑value band $0.8000 – $0.8100 · the $5.00 price screens above the $0.8100 fair value. Dashed = 300-day average. As of Sep 24, 2026.
Company profile
TomTom N.V., together with its subsidiaries, develops and sells navigation and location-based products and services in Europe, the Americas, Asia, and internationally. The company operates in two segments, Location Technology and Consumer.
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TomTom N.V., together with its subsidiaries, develops and sells navigation and location-based products and services in Europe, the Americas, Asia, and internationally. The company operates in two segments, Location Technology and Consumer. It offers routing, automotive, and places APIs; automotive navigation, navigation SDK for mobile, and AI agent products; maps for automated driving, map maker, maps SDK for JavaScript, and map display and places APIs. The company also provides traffic solutions, such as traffic stats, origin destination analysis, route monitoring, junction analytics, historical traffic volumes, and traffic APIs; and navigation apps, personal and professional sat navs, in-dash navigation, accessories, and maps and service updates for drivers. In addition, it offers road traffic management, location intelligence, electrification, automated driving, navigation for automotive, and safety and regulations solutions. The company serves fleet management and logistics, mobility on demand, Insurtech, and retail and advertising, as well as government and public sectors. The company was founded in 1991 and is headquartered in Amsterdam, the Netherlands.
Stock analysis
TomTom N.V (TMOAF) currently trades at $5.00, while our model-based Fair Value estimate is $0.8100, 83.8% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $3.16 per share, and 1 of the 14 models we run sit above the $5.00 price.
Bear case: the Earnings-Based group reads lowest at $0.8000, and 13 of the 14 models stay below the price. Evidence for this calculation is low.
Scenario range: $0.8000 (bear) to $0.8100 (bull), the price of $5.00 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 61/100 (solid quality), in the Technology sector.
Weak Growth: Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.
TomTom N.V reported revenue of €554M in FY2025 versus €507M in FY2021, a compound +2.3%/yr. Reported net income was −€6.4M in FY2025.
Key figures
Market cap $901M · P/E ratio 98.1 · P/S ratio 1.66 · EPS (TTM) $0.0500 · Net margin −1.2% · Return on equity 3.0% · Return on assets (EBIT) −5.5% · Operating margin 10.7%.
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 about 37% below its 52-week high and 16% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −8% fair-value upside, at −84%, TMOAF screens richer than that median.
Fair Value models
Bear $0.8000
Fair Value $0.8100
Bull $0.8100
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 ($0.0378 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.
Highest evidence
FCF DCF
$3.99
$4.98
$6.64
82
Growth DCF
$4.09
$5.03
$6.48
80
Owner Earnings
$1.40
$1.60
$1.94
78
All 14 models by family
DCF Models
FCF DCF
$3.99
$4.98
$6.64
82
Owner Earnings
$1.40
$1.60
$1.94
78
5Y Revenue Exit
$2.23
$2.37
$2.58
74
5Y EBITDA Exit
$3.31
$4.25
$5.49
77
10Y Revenue Exit
$2.99
$3.16
$3.30
68
10Y EBITDA Exit
$3.59
$4.22
$4.86
70
Earnings-Based
EPV
$0.7900
$0.8000
$0.8000
74
Multiples
EV/EBIT
$1.00
$1.09
$1.17
66
EV/EBITDA
$3.12
$3.92
$4.72
67
EV/Revenue
$0.8600
$0.9200
$0.9800
54
Asset-Based
NCAV (Graham)
$0.6300
$0.8500
$1.26
54
Growth DCF
Growth DCF
$4.09
$5.03
$6.48
80
Rev-Margin DCF
$2.23
$2.46
$2.80
74
Economic Profit
ROIC Compounder
$0.7900
$0.8000
$0.8000
72
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Set up alert →Quality Score breakdown
Overall quality
61/100
Of which business quality 58 · Market factors (momentum, volatility) 16
Profitability
36
Margins and returns on capital today
Quality Growth
48
Are margins and returns improving?
Cashflow
59
Earnings quality: real cash, not paper profit
Fin. Strength
36
Balance sheet, leverage, solvency risk
Investment
100
Disciplined investing over empire-building
Low Volatility
30
Calm price path (market factor)
Momentum
8
Price trend over the last 3–12 months (market factor)
52W Momentum
15
Distance to the 52-week high (market factor)
Net Issuance
96
Share count: buybacks or dilution?
Revenue & earnings trend
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.
39/100
Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.
Revenue growth 1 year
−3.5%
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.
+1.1%
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.
+1.0%
Start year 2020 (pandemic). Over 10 years: −5.8% a year
Revenue growth 21 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.
+5.2%
’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.
−54.5% (2020) → 0.3% (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
not computed
Growth Forecast
Little optimism in the price
The price assumes less 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).
−7.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in EUR, euro area: IMF forecast 2.2% a year to 2030, 2.6% from 2016 to 2025) that is about −9.4% a year for the price.
TMOAF screens overvalued: fair value 84% below the price. Compare with SAP SE →
Compare TomTom N.V with another stock
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.Software - Application · 685 stocks
Beats the industry median on 4/13 measures
Overall it trails its industry peers.
Valuation Multiplesvs Software - Application median · lower = cheaper
Context: sector, industry, market
- Is the Information Technology sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
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 Software - Application stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| SAP SE SAP | €186.74 | €172.46 | −8% |
| Salesforce, Inc CRM | $229.57 | $342.73 | +49% |
| Shopify Inc SHOP | $144.01 | $64.36 | −55% |
| ServiceNow, Inc NOW | $134.01 | $147.41 | +10% |
| Uber Technologies, Inc UBER | $69.36 | $103.69 | +49% |
| Snowflake Inc SNOW | $330.31 | $74.36 | −77% |
| Automatic Data Processing, Inc ADP | $261.80 | $150.01 | −43% |
| Adobe Inc ADBE | $239.94 | $454.04 | +89% |
| Datadog, Inc DDOG | $268.70 | $32.52 | −88% |
| Cadence Design Systems, Inc CDNS | $326.70 | $225.48 | −31% |
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Frequently asked questions
Is TomTom N.V (TMOAF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $0.8100 versus a price of $5.00, about −84% upside (overvalued).
What is the fair value of TMOAF?
Our model-based fair value for TomTom N.V is $0.8100 (as of Sep 24, 2026), built from audited fundamentals. The current price: $5.00.
What is the quality score of TMOAF?
TomTom N.V has a Quality Score of 61/100. 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 TomTom N.V (TMOAF)?
Our model-based price target is the fair value of $0.8100 (as of Sep 24, 2026) from 14 valuation models. Cautious scenario $0.8000, optimistic scenario $0.8100. It is a calculation from audited fundamentals, not an analyst target.
What is the TomTom N.V stock forecast for 2026?
Our models put fair value at $0.8100, about −84% upside versus a price of $5.00 (overvalued). Cautious scenario $0.8000, optimistic scenario $0.8100. The calculation is refreshed regularly with new filings.
What is the revenue of TomTom N.V (TMOAF)?
TomTom N.V reported trailing-twelve-month revenue of about €543M (latest available figure, as of Sep 24, 2026).
What growth is priced into TomTom N.V (TMOAF)?
For today's price to be fair in a discounted-cash-flow model, TomTom N.V would have to grow free cash flow by -7.5 % per year for five years (discount rate 11.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +1.0 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of TMOAF use?
Our models discount TomTom N.V at 11.3 %: a base by market capitalisation (small), damped by beta 1.01, country premium for USA. 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 TomTom N.V that is -7.5 % per year a year over ten years, using the same discount rate (11.3 %) and the same formula as our fair value.
How much growth has TomTom N.V (TMOAF) delivered so far?
Over the past 5 years revenue at TomTom N.V grew +1.0 % a year. The price currently implies -7.5 % 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 TomTom N.V (TMOAF) growing?
The median revenue growth in the sector is +10.3 % a year. That is the yardstick for the growth priced into TomTom N.V (-7.5 % 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 TomTom N.V (TMOAF)?
The free-cash-flow yield on the price is 7.88 %: that much free cash flow TomTom N.V produces per unit of market value. When it exceeds the discount rate of our models (11.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of TomTom N.V (TMOAF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For TomTom N.V it is $0.8100 per share (as of Sep 24, 2026), against a price of $5.00. It is the blended result of 14 valuation models (cash flow, earnings, asset, dividend).
Is TomTom N.V stock overvalued or undervalued in 2026?
As of Sep 24, 2026, TMOAF trades above its calculated fair value: price $5.00, fair value $0.8100, a gap of about −84% (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 TMOAF?
No. The price is what the market pays today ($5.00); the fair value is what the company's own numbers justify ($0.8100). For TomTom N.V the two are $4.19 per share apart. That gap is exactly why we show both numbers side by side.
How much is TomTom N.V worth?
The market values TomTom N.V at about $901M (market capitalisation, as of Sep 24, 2026). Per share that is $5.00; our models calculate a fair value of $0.8100 per share.
What do the bullish and bearish scenarios say about TMOAF?
Our models span a range for TomTom N.V: cautious scenario $0.8000, base $0.8100, optimistic $0.8100 per share (as of Sep 24, 2026, price $5.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of TMOAF?
TomTom N.V trades at a price-to-earnings ratio of 98.1 (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 $0.8100 is built from several models across several years. Other multiples: PEG 50.8, P/B 6.5, P/S 1.7, EV/EBITDA 18.7.
What is the PEG ratio of TMOAF?
The PEG ratio of TomTom N.V is 50.79 (P/E divided by earnings growth, as of Sep 24, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of TomTom N.V (TMOAF)?
Balance-sheet figures for TomTom N.V (as of Sep 24, 2026): return on equity 3.0%. They feed the Quality Score of 61/100, which measures business quality independently of the share price.
How far is TMOAF from its 52-week high?
TomTom N.V trades at $5.00, about 37% below its 52-week high of $7.90 and 16% above the low of $4.30 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $0.8100 is for.
Which stocks are comparable to TomTom N.V?
From the same area (Technology) we also value SAP SE, Salesforce, Inc, Shopify Inc, ServiceNow, 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 TomTom N.V stock attractive at the current price?
The data as of Sep 24, 2026: price $5.00, calculated fair value $0.8100 (−84%), Quality Score 61/100, from 14 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 TMOAF calculated?
We run TomTom N.V through 14 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 $0.8100, 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. TomTom N.V 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 TomTom N.V (TMOAF)?
The closing price on Oct 2, 2026 was $5.00. Our model-based fair value is $0.8100, about −84% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with TomTom N.V right now?
The price sits above even our optimistic bull case ($0.8100). 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 (61/100) and above fair value, neither a clear bargain nor a standout compounder. The models converge in a tight band ($0.8000 to $0.8100), unusually little disagreement for a valuation.
Key figures of TomTom N.V
How large is the market capitalisation of TomTom N.V (TMOAF)?
The market capitalisation of TomTom N.V is $901M. 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 TomTom N.V (TMOAF)?
The price-to-sales ratio of TomTom N.V is 1.66 (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 TomTom N.V (TMOAF)?
Earnings per share at TomTom N.V are $0.0500 (price ÷ EPS = P/E 98.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of TomTom N.V (TMOAF)?
The net margin of TomTom N.V is −1.2% (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 TomTom N.V (TMOAF)?
The return on equity (ROE) of TomTom N.V is 3.0% (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 TomTom N.V (TMOAF)?
On an EBIT basis the return on assets of TomTom N.V is −5.5% (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 TomTom N.V (TMOAF)?
The operating margin of TomTom N.V is 10.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at TomTom N.V (TMOAF)?
Revenue at TomTom N.V is growing −8.0% versus a year earlier (3y avg +1.1%). 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 TomTom N.V (TMOAF)?
Earnings per share at TomTom N.V are growing +450% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does TomTom N.V (TMOAF) hold?
TomTom N.V holds more cash than debt, €8.5M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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