Gielda Praw Majatkowych Vindexus S.A. (VIN) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Gielda Praw Majatkowych Vindexus S.A. stock PLN 40.50, price PLN 13.50, upside +200.0%, quality 54 out of 100. Rating: strongly undervalued. Calculated from audited financials with 17 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 3, 2026.
How to read this chart
60‑month range 4.82 PLN – 15.45 PLN · fair‑value band 22.03 PLN – 52.36 PLN · the 13.50 PLN price screens below the 40.50 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 2026.
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Gielda Praw Majatkowych Vindexus Spolka Akcyjna provides debt management services in Poland. It offers securitization funds; debt recovery services; and debt collection and trading services. Gielda Praw Majatkowych Vindexus Spolka Akcyjna was founded in 1995 and is headquartered in Warsaw, Poland.
Stock analysis
Gielda Praw Majatkowych Vindexus S.A. (VIN) currently trades at 13.50 PLN, while our model-based Fair Value estimate is 40.50 PLN, implying the stock looks roughly 67% undervalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of 50.47 PLN per share, and 14 of the 17 models we run sit above the 13.50 PLN price.
Bear case: the Dividend Discount group reads lowest at 6.74 PLN, and 3 of the 17 models stay below the price. Data coverage for this calculation is low.
Scenario range: 22.03 PLN (bear) to 52.36 PLN (bull), the price of 13.50 PLN sits below 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 54/100 (solid quality), in the Industrials sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Gielda Praw Majatkowych Vindexus S.A. reported revenue of 138M PLN in FY2025 versus 126M PLN in FY2021, a compound +2.4%/yr. Reported net income was 26.9M PLN in FY2025, compounding −7.0%/yr from FY2021.
Key figures
Market cap 150M PLN (≈ $38.3M) Micro · P/E ratio 5.9 · P/S ratio 1.02 · EPS (TTM) 2.29 PLN · Dividend yield 3.7% · Net margin 16.1% · Return on equity 7.8% · Return on assets (EBIT) 11.8% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (low confidence).
What moves the price
The share trades about 13% below its 52-week high and 27% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Industrials peers we cover trades at −12% fair-value upside, at 200%, VIN screens cheaper than that median.
Fair Value models
Bear22.03 PLNFair Value 40.50 PLNBull52.36 PLN
Price 13.50 PLN · Upside +200.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
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 (1.54 PLN 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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+16.7%
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.
+6.0%
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.
+22.1%
Start year 2020 (pandemic). Over 10 years: +10.2% a year
Revenue growth 17 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.
+12.7%
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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.
+20.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+17.0%
Dividend (yield on the price)3.7%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.17.0% vs 5.4%, picking up
Profit margin 2019 to 2024 ⓘ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.41% → 36%
Compare Gielda Praw Majatkowych Vindexus S.A. with another stock
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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.Specialty Business Services · 229 stocks
Beats the industry median on 10/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score54 · Below median
Fair Value upside+200.0% · Top 25%
Profitability
Return on equity (12 months)7.8% · Below median
Return on assets5.9% · Above median
Net margin (12 months)16.1% · Top 25%
Operating margin (12 months)38.9% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)16.6% · Above median
Dividend yield (12 months)3.7% · Above median
Balance sheet
Debt / equity0.24× · Above median
Valuation Multiplesvs Specialty Business Services 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). "Gielda Praw Majatkowych Vindexus S.A. Fair Value". https://www.fairvalue-calculator.com/stock/VIN
Frequently asked questions
Is Gielda Praw Majatkowych Vindexus S.A. (VIN) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of 40.50 PLN versus a price of 13.50 PLN, about +200% upside (undervalued).
What is the fair value of VIN?
Our model-based fair value for Gielda Praw Majatkowych Vindexus S.A. is 40.50 PLN (as of Nov 3, 2026), built from audited fundamentals. The current price: 13.50 PLN.
What is the quality score of VIN?
Gielda Praw Majatkowych Vindexus S.A. has a Quality Score of 54/100. 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 Gielda Praw Majatkowych Vindexus S.A. (VIN)?
Our model-based price target is the fair value of 40.50 PLN (as of Nov 3, 2026) from 17 valuation models. Cautious scenario 22.03 PLN, optimistic scenario 52.36 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Gielda Praw Majatkowych Vindexus S.A. stock forecast for 2026?
Our models put fair value at 40.50 PLN, about +200% upside versus a price of 13.50 PLN (undervalued). Cautious scenario 22.03 PLN, optimistic scenario 52.36 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Gielda Praw Majatkowych Vindexus S.A. (VIN)?
Gielda Praw Majatkowych Vindexus S.A. reported trailing-twelve-month revenue of about 147M PLN (latest available figure, as of Nov 3, 2026).
Does Gielda Praw Majatkowych Vindexus S.A. pay a dividend?
Gielda Praw Majatkowych Vindexus S.A. currently shows a dividend yield of 3.70% relative to its recent price (as of Nov 3, 2026).
How much is the dividend of Gielda Praw Majatkowych Vindexus S.A. (VIN) and when is the ex-dividend date?
Gielda Praw Majatkowych Vindexus S.A. pays a dividend of 0.5 PLN per share a year, a dividend yield of 3.7%. The last ex-dividend date was Jul 3, 2026. A dividend has been paid every year since at least 2014. The payout ratio is 21.8% of earnings. Our assessment: Watch coverage. The dividend isn’t fully covered by free cash flow or earnings, part of it is funded from reserves or debt. Fine for now, but worth watching: if it stays uncovered, the dividend could be cut.
What is the intrinsic value of Gielda Praw Majatkowych Vindexus S.A. (VIN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Gielda Praw Majatkowych Vindexus S.A. it is 40.50 PLN per share (as of Nov 3, 2026), against a price of 13.50 PLN. It is the blended result of 17 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit, Growth Earnings).
Is Gielda Praw Majatkowych Vindexus S.A. stock overvalued or undervalued in 2026?
As of Nov 3, 2026, VIN trades below its calculated fair value: price 13.50 PLN, fair value 40.50 PLN, a gap of about +200% (undervalued). 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 VIN?
No. The price is what the market pays today (13.50 PLN); the fair value is what the company's own numbers justify (40.50 PLN). For Gielda Praw Majatkowych Vindexus S.A. the two are 27.00 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Gielda Praw Majatkowych Vindexus S.A. worth?
The market values Gielda Praw Majatkowych Vindexus S.A. at about 150M PLN (market capitalisation, as of Nov 3, 2026). Per share that is 13.50 PLN; our models calculate a fair value of 40.50 PLN per share.
What do the bullish and bearish scenarios say about VIN?
Our models span a range for Gielda Praw Majatkowych Vindexus S.A.: cautious scenario 22.03 PLN, base 40.50 PLN, optimistic 52.36 PLN per share (as of Nov 3, 2026, price 13.50 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of VIN?
Gielda Praw Majatkowych Vindexus S.A. trades at a price-to-earnings ratio of 5.9 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 40.50 PLN is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 5.2. Other multiples: P/B 0.5, P/S 1.0, EV/EBITDA 3.2.
How solid is the balance sheet of Gielda Praw Majatkowych Vindexus S.A. (VIN)?
Balance-sheet figures for Gielda Praw Majatkowych Vindexus S.A. (as of Nov 3, 2026): return on equity 7.8%, debt of 0.24 per unit of equity. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is VIN from its 52-week high?
Gielda Praw Majatkowych Vindexus S.A. trades at 13.50 PLN, about 13% below its 52-week high of 15.45 PLN and 27% above the low of 10.65 PLN (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 40.50 PLN is for.
Which stocks are comparable to Gielda Praw Majatkowych Vindexus S.A.?
From the same area (Industrials) we also value Cintas Corporation, Thomson Reuters Corporation, Copart, Inc, Global Payments 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 Gielda Praw Majatkowych Vindexus S.A. stock attractive at the current price?
The data as of Nov 3, 2026: price 13.50 PLN, calculated fair value 40.50 PLN (+200%), Quality Score 54/100, from 17 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 VIN calculated?
We run Gielda Praw Majatkowych Vindexus S.A. through 17 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of 40.50 PLN 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. Gielda Praw Majatkowych Vindexus S.A. currently trades 67% below its own fair value, and the market average says nothing about that. 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 Gielda Praw Majatkowych Vindexus S.A. (VIN)?
The closing price on Nov 6, 2026 was 13.50 PLN. Our model-based fair value is 40.50 PLN, about +200% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Gielda Praw Majatkowych Vindexus S.A. right now?
The price is below even our cautious bear case (22.03 PLN). The market is more pessimistic than our downside scenario. 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 quality (54/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (22.03 PLN to 52.36 PLN) leaves room in how you read the outcome.
Where does the earnings growth of Gielda Praw Majatkowych Vindexus S.A. (VIN) come from?
Earnings per share at Gielda Praw Majatkowych Vindexus S.A. grew +5.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +9.4 %, EBIT margin −0.9 %, tax rate −0.5 %, residual (interest, one-offs) −1.8 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Gielda Praw Majatkowych Vindexus S.A.
How large is the market capitalisation of Gielda Praw Majatkowych Vindexus S.A. (VIN)?
The market capitalisation of Gielda Praw Majatkowych Vindexus S.A. is 150M PLN (≈ $38.3M). 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 Gielda Praw Majatkowych Vindexus S.A. (VIN)?
The price-to-sales ratio of Gielda Praw Majatkowych Vindexus S.A. is 1.02 (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 Gielda Praw Majatkowych Vindexus S.A. (VIN)?
Earnings per share at Gielda Praw Majatkowych Vindexus S.A. are 2.29 PLN (price ÷ EPS = P/E 5.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Gielda Praw Majatkowych Vindexus S.A. (VIN)?
The dividend yield of Gielda Praw Majatkowych Vindexus S.A. is 3.7% (payout 21.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Gielda Praw Majatkowych Vindexus S.A. (VIN)?
The net margin of Gielda Praw Majatkowych Vindexus S.A. is 16.1% (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 Gielda Praw Majatkowych Vindexus S.A. (VIN)?
The return on equity (ROE) of Gielda Praw Majatkowych Vindexus S.A. is 7.8% (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 Gielda Praw Majatkowych Vindexus S.A. (VIN)?
On an EBIT basis the return on assets of Gielda Praw Majatkowych Vindexus S.A. is 11.8% (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 Gielda Praw Majatkowych Vindexus S.A. (VIN)?
The operating margin of Gielda Praw Majatkowych Vindexus S.A. is 38.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Gielda Praw Majatkowych Vindexus S.A. (VIN)?
Revenue at Gielda Praw Majatkowych Vindexus S.A. is growing +16.6% versus a year earlier (3y avg +6.0%). 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 Gielda Praw Majatkowych Vindexus S.A. (VIN)?
Earnings per share at Gielda Praw Majatkowych Vindexus S.A. are growing −23.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Gielda Praw Majatkowych Vindexus S.A. (VIN) generate?
The free cash flow of Gielda Praw Majatkowych Vindexus S.A. is −19.6M PLN (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Gielda Praw Majatkowych Vindexus S.A. (VIN) carry?
The net debt of Gielda Praw Majatkowych Vindexus S.A. is 78.4M PLN (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Nov 3, 2026