Tower Investments SA (TOW) Fair Value & Analysis
Real Estate · PL · Market cap 4.8M PLN
Risks
Fair value as of: Aug 13, 2026
From 4 valuation models · updated 11 days ago
Share price −11.8% over the past month.
Below-average quality, and trading another 150% above our fair value.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case (0.7800 PLN). The favourable scenario is already priced in.
- Solid but not exceptional quality (45/100) and above fair value, neither a clear bargain nor a standout compounder.
- As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range 1.55 PLN – 25.00 PLN · fair‑value band 0.4700 PLN – 0.7800 PLN · the 1.55 PLN price screens above the 0.6200 PLN fair value. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Tower Investments SA (TOW) currently trades at 1.55 PLN, while our model-based Fair Value estimate is 0.6200 PLN, implying the stock looks roughly 60.1% overvalued today. The Quality Score stands at 45/100 (below-average quality), in the Real Estate sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).
Trailing-twelve-month revenue stands at 2.9M PLN. Net debt stands at 2.2M PLN. The stock trades on a trailing P/E of 1.0. Fundamentals as of Aug 13, 2026
Our scenario range runs from 0.4700 PLN (bear case) to 0.7800 PLN (bull case); at 1.55 PLN, the current price sits above 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 34% below its 52-week high, currently below its 200-day average. For context, the median of 10 Real Estate peers we cover trades at -9% fair-value upside, at -60%, TOW screens richer 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.
All 4 models by family
Widest divergence: Dividend Discount (4.35 PLN) versus Multiples (1.72 PLN). Highest evidence: Gordon GGM (70).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 45 · Market factors (momentum, volatility) 20
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.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Tower Investments S.A. engages in the real estate development business in Poland. The company develops multifunctional residential and commercial properties. It also develops and owns shopping malls and retail parks under the SHOPIN brand name. The company was founded in 2005 and is based in Warsaw, Poland.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Tower Investments SA reported revenue of 1.1M PLN in FY2025 versus 50.0M PLN in FY2021, a compound −61.5%/yr. Reported net income was 2.3M PLN in FY2025.
TOW screens 60% overvalued. Compare with Sun Hung Kai Properties Limited →
Peer Group
Real Estate - Development · 594 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.
Valuation Multiples vs Real Estate - Development median · lower = cheaper
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.
VALUE 0: the price sits above our fair-value range.
PAST 0: with negative equity (buybacks among others) return on equity is not meaningfully computable.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Real Estate - Development stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Sun Hung Kai Properties Limited 0016 | HK$117.60 | HK$113.09 | -4% |
| China Resources Land Limited 1109 | HK$35.24 | HK$72.16 | +105% |
| CK Asset Holdings 1113 | HK$46.42 | HK$68.85 | +48% |
| Hongkong Land Holdings H78 | $8.42 | $1.52 | -82% |
| DLF Limited DLF | ₹667.10 | ₹170.24 | -74% |
| China Overseas Land & Investment Limited 0688 | HK$13.76 | HK$22.92 | +67% |
| Macrotech Developers Limited LODHA | ₹1,244 | ₹583.42 | -53% |
| Sino Land Company 0083 | HK$10.33 | HK$6.99 | -32% |
| PT Pantai Indah Kapuk Dua Tbk, PANI | 6,050 IDR | 1,330 IDR | -78% |
| CTP N.V CTPNV | €14.36 | €13.00 | -9% |
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Frequently asked questions
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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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