UMT United Mobility Technology AG (UMD) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of UMT United Mobility Technology AG €0.89, price €1.09, upside -18.1%, quality 38 out of 100. Calculated from audited financials with 26 valuation models and 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 23, 2026.
How to read this chart
60‑month range €0.9700 – €113.50 · fair‑value band €0.6693 – €1.12 · the €1.09 price screens above the €0.8925 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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UMT United Mobility Technology AG engages in the development and implementation of customized solutions for the digitalization of business processes in Germany.
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UMT United Mobility Technology AG engages in the development and implementation of customized solutions for the digitalization of business processes in Germany. The company offers UMS Vision AI, an AI-based automated document processing and analysis solution; and T4 (Trackability, Traceability, Transparency, and Trust) blockchain solution that enables seamless compliance with the new EU regulations, including the product passport requirements. It also licenses mobile payment platforms and acts as a central interface between various parties, such as large retail chains, banks, bonus program providers, and end consumers. In addition, the company offers mobile payment, mobile wallet, loyalty/bonus programs, and data analytics solutions; and consulting and implementation services. It serves the logistics, insurance, and commerce industries. The company was formerly known as Leipziger Solarpark AG and changed its name to UMT United Mobility Technology AG in 2011. UMT United Mobility Technology AG was founded in 1989 and is headquartered in Munich, Germany.
Stock analysis
UMT United Mobility Technology AG (UMD) currently trades at €1.09, while our model-based Fair Value estimate is €0.8925, implying the stock looks roughly 22.1% overvalued today.
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Valuation
How firm this estimate is: it rests on 2 models at a data quality of 95/100, which puts the evidence level at low.
Scenario range: €0.6693 (bear) to €1.12 (bull), the price of €1.09 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 38/100 (below-average quality), in the Technology sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
UMT United Mobility Technology AG reported revenue of €223K in FY2025 versus €299K in FY2021, a compound −7.0%/yr. Reported net income was −€1.3M in FY2025.
Key figures
Market cap €2.7M · P/S ratio 12.4 · EPS (TTM) €−0.5200 · Return on equity −19.4% · Return on assets (EBIT) −66.7% · Operating margin −109% · Revenue (TTM) €223K · Revenue growth (YoY) −4.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 47% below its 52-week high and 12% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −19% fair-value upside, at −18%, UMD screens cheaper than that median.
Fair Value models
Bear €0.6693Fair Value €0.8925Bull €1.12
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.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.36/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+92.7%
Revenue growth 11 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.
−13.8%
’14
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’21
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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.
−137.6% (2021) → −499.0% (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
Compare UMT United Mobility Technology AG 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 - Infrastructure · 383 stocks
Beats the industry median on 1/7 measures
Overall it trails its industry peers.
Valuation
Quality Score38 · Bottom 25%
Fair Value upside−18% · Below median
Profitability
Return on assets−3% · Below median
Operating margin (TTM)−109% · Bottom 25%
Growth and dividend
Revenue growth−5% · Bottom 25%
Valuation Multiplesvs Software - Infrastructure 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). "UMT United Mobility Technology AG Fair Value". https://www.fairvalue-calculator.com/stock/UMD
Frequently asked questions
Is UMT United Mobility Technology AG (UMD) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of €0.8925 versus a price of €1.09, about −18% upside (overvalued).
What is the fair value of UMD?
Our model-based fair value for UMT United Mobility Technology AG is €0.8925 (as of Sep 23, 2026), built from audited fundamentals. The current price: €1.09.
What is the quality score of UMD?
UMT United Mobility Technology AG has a Quality Score of 38/100. 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 UMT United Mobility Technology AG (UMD)?
Our model-based price target is the fair value of €0.8925 (as of Sep 23, 2026) from 2 valuation models. Cautious scenario €0.6693, optimistic scenario €1.12. It is a calculation from audited fundamentals, not an analyst target.
What is the UMT United Mobility Technology AG stock forecast for 2026?
Our models put fair value at €0.8925, about −18% upside versus a price of €1.09 (overvalued). Cautious scenario €0.6693, optimistic scenario €1.12. The calculation is refreshed regularly with new filings.
What is the revenue of UMT United Mobility Technology AG (UMD)?
UMT United Mobility Technology AG reported trailing-twelve-month revenue of about €223K (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of UMT United Mobility Technology AG (UMD)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For UMT United Mobility Technology AG it is €0.8925 per share (as of Sep 23, 2026), against a price of €1.09. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is UMT United Mobility Technology AG stock overvalued or undervalued in 2026?
As of Sep 23, 2026, UMD trades above its calculated fair value: price €1.09, fair value €0.8925, a gap of about −18% (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 UMD?
No. The price is what the market pays today (€1.09); the fair value is what the company's own numbers justify (€0.8925). For UMT United Mobility Technology AG the two are €0.1975 per share apart. That gap is exactly why we show both numbers side by side.
How much is UMT United Mobility Technology AG worth?
The market values UMT United Mobility Technology AG at about €2.7M (market capitalisation, as of Sep 23, 2026). Per share that is €1.09; our models calculate a fair value of €0.8925 per share.
What do the bullish and bearish scenarios say about UMD?
Our models span a range for UMT United Mobility Technology AG: cautious scenario €0.6693, base €0.8925, optimistic €1.12 per share (as of Sep 23, 2026, price €1.09). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of UMT United Mobility Technology AG (UMD)?
Balance-sheet figures for UMT United Mobility Technology AG (as of Sep 23, 2026): return on equity −19.4%. They feed the Quality Score of 38/100, which measures business quality independently of the share price.
How far is UMD from its 52-week high?
UMT United Mobility Technology AG trades at €1.09, about 47% below its 52-week high of €2.05 and 12% above the low of €0.9700 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of €0.8925 is for.
Which stocks are comparable to UMT United Mobility Technology AG?
From the same area (Technology) we also value Microsoft Corporation, Palantir Technologies Inc, Oracle Corporation, Palo Alto Networks, 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 UMT United Mobility Technology AG stock attractive at the current price?
The data as of Sep 23, 2026: price €1.09, calculated fair value €0.8925 (−18%), Quality Score 38/100, from 2 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 UMD calculated?
We run UMT United Mobility Technology AG through 2 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 €0.8925, 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 14.0 % above its aggregate fair value. UMT United Mobility Technology 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 UMT United Mobility Technology AG (UMD)?
The closing price on Sep 24, 2026 was €1.09. Our model-based fair value is €0.8925, about −18% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with UMT United Mobility Technology AG right now?
Weak quality (38/100) and above fair value at the same time, the margin of safety is missing on both counts. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
Key figures of UMT United Mobility Technology AG
How large is the market capitalisation of UMT United Mobility Technology AG (UMD)?
The market capitalisation of UMT United Mobility Technology AG is €2.7M. 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 UMT United Mobility Technology AG (UMD)?
The price-to-sales ratio of UMT United Mobility Technology AG is 12.4 (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 UMT United Mobility Technology AG (UMD)?
Earnings per share at UMT United Mobility Technology AG are €−0.5200. Earnings per share over the last twelve months: total profit spread across every single share.
What is the return on equity of UMT United Mobility Technology AG (UMD)?
The return on equity (ROE) of UMT United Mobility Technology AG is −19.4% (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 UMT United Mobility Technology AG (UMD)?
On an EBIT basis the return on assets of UMT United Mobility Technology AG is −66.7% (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 UMT United Mobility Technology AG (UMD)?
The operating margin of UMT United Mobility Technology AG is −109% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at UMT United Mobility Technology AG (UMD)?
Revenue at UMT United Mobility Technology AG is growing −4.5% versus a year earlier (3y avg +123%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
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