Gielda Praw Majatkowych Vindexus S.A. (VIN) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Gielda Praw Majatkowych Vindexus S.A. PLN 39.90, price PLN 14.45, upside +176.1%, quality 56 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 24, 2026.
How to read this chart
60‑month range 4.74 PLN – 15.45 PLN · fair‑value band 22.32 PLN – 53.07 PLN · the 14.45 PLN price screens below the 39.90 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 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 14.45 PLN, while our model-based Fair Value estimate is 39.90 PLN, implying the stock looks roughly 63.8% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 77.28 PLN per share, and 15 of the 17 models we run sit above the 14.45 PLN price.
Bear case: the Dividend Discount group reads lowest at 7.24 PLN, and 2 of the 17 models stay below the price. Evidence for this calculation is high.
Scenario range: 22.32 PLN (bear) to 53.07 PLN (bull), the price of 14.45 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 56/100 (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 161M PLN (≈ $41.8M) · P/E ratio 5.9 · P/S ratio 1.15 · EPS (TTM) 2.45 PLN · Dividend yield 3.5% · Net margin 19.5% · Return on equity 8.7% · Return on assets (EBIT) 11.8%.
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 6% below its 52-week high and 42% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Industrials peers we cover trades at 0% fair-value upside, at 176%, VIN screens cheaper than that median.
Fair Value models
Bear 22.32 PLNFair Value 39.90 PLNBull 53.07 PLN
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 (1.43 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.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.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.
+20.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+17.0%
Dividend (yield on the price)3.5%
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% vs 5%, picking up
Profit margin 2020 to 2025 ⓘ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.32% → 29%
Compare Gielda Praw Majatkowych Vindexus S.A. 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.Specialty Business Services · 248 stocks
Beats the industry median on 11/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score56 · Above median
Fair Value upside+176% · Top 25%
Profitability
Return on equity (TTM)9% · Below median
Return on assets5% · Above median
Net margin (TTM)18% · Top 25%
Operating margin (TTM)22% · Top 25%
Growth and dividend
Revenue growth10% · Above median
Dividend yield (TTM)3.5% · 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 Sep 24, 2026, our model estimates a fair value of 39.90 PLN versus a price of 14.45 PLN, about +176% upside (undervalued).
What is the fair value of VIN?
Our model-based fair value for Gielda Praw Majatkowych Vindexus S.A. is 39.90 PLN (as of Sep 24, 2026), built from audited fundamentals. The current price: 14.45 PLN.
What is the quality score of VIN?
Gielda Praw Majatkowych Vindexus S.A. has a Quality Score of 56/100. 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 39.90 PLN (as of Sep 24, 2026) from 17 valuation models. Cautious scenario 22.32 PLN, optimistic scenario 53.07 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 39.90 PLN, about +176% upside versus a price of 14.45 PLN (undervalued). Cautious scenario 22.32 PLN, optimistic scenario 53.07 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 141M PLN (latest available figure, as of Sep 24, 2026).
Does Gielda Praw Majatkowych Vindexus S.A. pay a dividend?
Gielda Praw Majatkowych Vindexus S.A. currently shows a dividend yield of about 3.46% relative to its recent price (as of Sep 24, 2026).
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 39.90 PLN per share (as of Sep 24, 2026), against a price of 14.45 PLN. It is the blended result of 17 valuation models (cash flow, earnings, asset, dividend).
Is Gielda Praw Majatkowych Vindexus S.A. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, VIN trades below its calculated fair value: price 14.45 PLN, fair value 39.90 PLN, a gap of about +176% (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 (14.45 PLN); the fair value is what the company's own numbers justify (39.90 PLN). For Gielda Praw Majatkowych Vindexus S.A. the two are 25.45 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 161M PLN (market capitalisation, as of Sep 24, 2026). Per share that is 14.45 PLN; our models calculate a fair value of 39.90 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 22.32 PLN, base 39.90 PLN, optimistic 53.07 PLN per share (as of Sep 24, 2026, price 14.45 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 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 39.90 PLN is built from several models across several years. Other multiples: P/B 0.1, P/S 0.3, EV/EBITDA 2.3.
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 Sep 24, 2026): return on equity 8.7%, debt of 0.24 per unit of equity. They feed the Quality Score of 56/100, 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 14.45 PLN, about 6% below its 52-week high of 15.45 PLN and 42% above the low of 10.19 PLN (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 39.90 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 Sep 24, 2026: price 14.45 PLN, calculated fair value 39.90 PLN (+176%), Quality Score 56/100, 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 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 39.90 PLN, 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. Gielda Praw Majatkowych Vindexus S.A. currently trades 176 % 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 Sep 24, 2026 was 14.45 PLN. Our model-based fair value is 39.90 PLN, about +176% 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 (22.32 PLN). The market is more pessimistic than our downside scenario. Solid quality (56/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (22.32 PLN to 53.07 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 +8.9 % a year from 2013 to 2024. Broken into its drivers: revenue per share +9.8 %, EBIT margin +0.3 %, tax rate −1.1 %, residual (interest, one-offs) +0.0 %. 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 161M PLN (≈ $41.8M). 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 1.15 (P/E × margin). 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 2.45 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 3.5% (payout 20.4%). 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 19.5% (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 Gielda Praw Majatkowych Vindexus S.A. (VIN)?
The return on equity (ROE) of Gielda Praw Majatkowych Vindexus S.A. is 8.7% (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 21.7% (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 +9.5% 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 −16.9% 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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