UCG (UCG) Fair Value & Analysis

Financial Services · Market cap 471B PLN

U UCG UCG · WAR

Price333.25 PLN

Fair Value94.71 PLN

Upside-71.6%

Quality66/100

Watch UCG for free — get notified when fair value or trend changes. Watch for free

Evidence: High Range 71.03 PLN – 118.38 PLN

Fair value as of: Jun 26, 2026

From 22 valuation models · updated 6 days ago

Fair value updated Jun 26, 2026 — revised from 63.27 PLN to 94.71 PLN (+49.7%) since Jun 24, 2026. Share price +9.9% over the past month.

Price vs Fair Value (12 months)

12‑month range 217.95 PLN – 333.25 PLN · fair‑value band 71.03 PLN – 118.38 PLN · the 333.25 PLN price screens above the 94.71 PLN fair value. As of Jun 26, 2026.

✦ Which stocks are undervalued right now? Check free Discover now →

Analysis

UCG (UCG) currently trades at 333.25 PLN, while our model-based Fair Value estimate is 94.71 PLN — implying the stock looks roughly 71.6% overvalued today. We read business quality at 66/100 (solid quality), in the Financial Services 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: high).

Over the trailing twelve months, UCG generated revenue of 25.5B PLN at a net margin of 44.6%. Revenue grew 6.4% year over year. It earns a return on equity of 17.0%. Net debt stands at 75.4B PLN. Fundamentals as of Jun 26, 2026

Key figures & financial health

Revenue (TTM) 25.5B PLN

Revenue growth (YoY) +6.4%

Net margin 44.6%

Return on equity 17.0%

Free cash flow 7.3B PLN FY2025

P/E ratio 10.2

More key figures

Operating margin 62.3%

EPS (TTM) 30.88 PLN

Dividend yield 1.0%

EPS growth (YoY) +20.1%

Net debt 75.4B PLN FY2025

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

UCG reported revenue of 25.0B PLN in FY2025 versus 22.3B PLN in FY2021, a compound +3.0%/yr. Reported net income was 10.9B PLN in FY2025, compounding +51.1%/yr from FY2021.

Revenue +3.0%/yr

FY21 22.3B PLN

FY22 18.1B PLN

FY23 23.0B PLN

FY24 24.0B PLN

FY25 25.0B PLN

Net income +51.1%/yr

FY21 2.1B PLN

FY22 6.5B PLN

FY23 9.5B PLN

FY24 9.7B PLN

FY25 10.9B PLN

Is UCG fairly valued? → Check now

Similar stocks

6 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).

Stock	Price	Fair Value	vs Fair Value
HDFC Bank Limited HDFCBANK	₹747.05	₹894.11	+20%
PT Bank Central Asia Tbk BBCA	5,650 IDR	5,671 IDR	+0%
PT Bank Rakyat Indonesia (Persero) Tbk BBRI	2,910 IDR	4,844 IDR	+66%
Banco Bradesco S.A BBD	5,120 ARS	10,240 ARS	+100%
KB Financial Group 105560	154,000 KRW	172,992 KRW	+12%
PT Bank Mandiri (Persero) Tbk BMRI	4,220 IDR	8,440 IDR	+100%

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks Technology Financial Services Healthcare Consumer Cyclical Consumer Defensive Communication Services Industrials Energy Basic Materials Real Estate Utilities Deeply Undervalued Stocks Undervalued Blue-Chip Stocks Undervalued Small-Cap Stocks

Frequently asked questions

Is UCG (UCG) undervalued?

As of Jun 26, 2026, our model estimates a fair value of 94.71 PLN versus a price of 333.25 PLN — about −72% (overvalued). Model-based estimate, not financial advice.

What is the fair value of UCG?

Our model-based fair value for UCG is 94.71 PLN (as of Jun 26, 2026), built from audited fundamentals. The current price is 333.25 PLN.

What is the quality score of UCG?

UCG has a Quality Score of 66/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

What is the revenue of UCG (UCG)?

UCG reported trailing-twelve-month revenue of about 25.5B PLN (latest available figure, as of Jun 26, 2026).

What is the net profit margin of UCG?

The net profit margin of UCG is about 44.6%, meaning it keeps roughly 44.6% of revenue as net income. Based on the latest reported figures.

Does UCG pay a dividend?

UCG currently shows a dividend yield of about 1.00% relative to its recent price (as of Jun 26, 2026).

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.