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FamiCord AG (VTIAF) fair value: what the stock is really worth

As of Oct 1, 2026: fair value of FamiCord AG $3.59, price $3.10, upside +15.8%, quality 41 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
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Healthcare · US · ISIN DE000A0BL849

FA FamiCord AG logo Thin data Sep 24, 2026

FamiCord AG

VTIAF · US

SpeculativeUpside exists, but weak quality makes the signal speculative.

✓Fair value $3.59 · Undervalued (+15.8%)
!Quality 41/100
!Expensive Growth (revenue 5y +34.4 %/yr)
!Loss-making · -6.7% net margin (TTM)
!High debt · negative free cash flow
!Narrow moat 17/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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Price vs Fair Value

$19.45 $3.10 Fair Value $3.59 Jul 2021 Oct 2026

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 $3.10 – $19.45 · fair‑value band $2.50 – $4.67 · the $3.10 price screens below the $3.59 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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Company profile

FamiCord AG engages in the collection, processing, storage, and distribution of cells, tissues, blood, and blood components for medical applications in Germany, Poland, Switzerland, Portugal, and internationally. The company operates through Subgroup Vita 34 And Subgroup PBKM segments.

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FamiCord AG engages in the collection, processing, storage, and distribution of cells, tissues, blood, and blood components for medical applications in Germany, Poland, Switzerland, Portugal, and internationally. The company operates through Subgroup Vita 34 And Subgroup PBKM segments. It produces and develops advanced therapies, genetic tests, and analyses for third parties. The company also engages in the development and manufacture of cell and tissue-based products and pharmaceuticals, including the production of viral vectors or comparable products. In addition, it engages in research and development, storage, and cryopreservation of sperm and oocytes for use in reproductive medicine; and the manufacturing and distribution of medical devices. The company was formerly known as VITA 34 AG and changed its name to FamiCord AG in February 2025. FamiCord AG was founded in 1997 and is headquartered in Leipzig, Germany.

Stock analysis

FamiCord AG (VTIAF) currently trades at $3.10, while our model-based Fair Value estimate is $3.59, implying the stock looks roughly 13.7% undervalued today.

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Valuation

How firm this estimate is: it rests on 3 models at a data quality of 93/100, which puts the evidence level at low.

Scenario range: $2.50 (bear) to $4.67 (bull), the price of $3.10 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 41/100 (below-average quality), in the Healthcare sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

FamiCord AG reported revenue of €88.1M in FY2025 versus €28.4M in FY2021, a compound +32.7%/yr. Reported net income was −€6.3M in FY2025.

Key figures

Market cap $111M · P/S ratio 1.27 · EPS (TTM) $−0.7000 · Net margin −7.1% · Return on equity −56.8% · Return on assets (EBIT) −6.0% · Operating margin 0.9% · Revenue (TTM) €87.6M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).

What moves the price

The share trades about 56% below its 52-week high and at its 52-week low, currently below its 200-day average.

For context, the median of 10 Healthcare peers we cover trades at 6% fair-value upside, at 16%, VTIAF screens cheaper than that median.

Fair Value models

Bear $2.50 Fair Value $3.59 Bull $4.67
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. 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. 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.
Highest evidence
EV/EBITDA $3.28 $4.35 $5.43 67
NCAV (Graham) $0.2300 $0.3100 $0.4600 54
All 2 models by family
Multiples
EV/EBITDA $3.28 $4.35 $5.43 67
Asset-Based
NCAV (Graham) $0.2300 $0.3100 $0.4600 54

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Quality Score breakdown

Overall quality 41/100

Of which business quality 37 · Market factors (momentum, volatility) 20

Profitability 17
Margins and returns on capital today
Quality Growth 75
Are margins and returns improving?
Cashflow 14
Earnings quality: real cash, not paper profit
Fin. Strength 8
Balance sheet, leverage, solvency risk
Investment 89
Disciplined investing over empire-building
Low Volatility 45
Calm price path (market factor)
Momentum 14
Price trend over the last 3–12 months (market factor)
52W Momentum 0
Distance to the 52-week high (market factor)
Net Issuance 65
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 44/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+7.2%
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.
+8.5%
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.
+34.4%
Start year 2020 (pandemic). Over 10 years: +20.1% a year
Revenue growth 19 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.
+11.3%
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.
11.9% (2020) → −4.0% (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
not computed

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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.Medical Care Facilities · 246 stocks

Beats the industry median on 2/10 measures
Overall it trails its industry peers.
Valuation
Quality Score 41 · Bottom 25%
Fair Value upside +7.1% · Above median
Profitability
Return on assets 0.7% · Bottom 25%
Net margin (TTM) −6.7% · Bottom 25%
Operating margin (TTM) 0.9% · Bottom 25%
Growth and dividend
Revenue growth −2.7% · Bottom 25%
Balance sheet
Debt / equity 1.55× · Highest 25%

Valuation Multiplesvs Medical Care Facilities median · lower = cheaper

P/B 15.62× · Priciest 25%
P/S (TTM) 1.27× · Cheaper than median
EV/EBITDA 16.5× · Priciest 25%

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Medical Care Facilities stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
HCA Healthcare, Inc HCA $431.63 $597.97 +39%
Fresenius SE FRE €43.64 €34.49 −21%
Dr. Sulaiman Al Habib Medical Services Group 4013 225.00 SAR 109.45 SAR −51%
Tenet Healthcare Corporation THC $257.93 $274.35 +6%
IHH Healthcare Berhad, an investment holding company, 5225 8.03 MYR 4.87 MYR −39%
Apollo Hospitals Enterprise Limited APOLLOHOSP ₹8,889 ₹2,908 −67%
Encompass Health Corporation EHC $123.47 $94.47 −23%
Fresenius Medical Care AG FMS $22.27 $45.84 +106%
DaVita Inc DVA $178.07 $215.81 +21%
Aier Eye Hospital Group 300015 ¥7.91 ¥10.86 +37%

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$3.59 +14%Fair Value
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Cite: Fair Value Calculator (2026). "FamiCord AG Fair Value". https://www.fairvalue-calculator.com/stock/VTIAF

Frequently asked questions

Is FamiCord AG (VTIAF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $3.59 versus a price of $3.10, about +16% upside (undervalued).
What is the fair value of VTIAF?
Our model-based fair value for FamiCord AG is $3.59 (as of Sep 24, 2026), built from audited fundamentals. The current price: $3.10.
What is the quality score of VTIAF?
FamiCord AG has a Quality Score of 41/100. 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 FamiCord AG (VTIAF)?
Our model-based price target is the fair value of $3.59 (as of Sep 24, 2026) from 2 valuation models. Cautious scenario $2.50, optimistic scenario $4.67. It is a calculation from audited fundamentals, not an analyst target.
What is the FamiCord AG stock forecast for 2026?
Our models put fair value at $3.59, about +16% upside versus a price of $3.10 (undervalued). Cautious scenario $2.50, optimistic scenario $4.67. The calculation is refreshed regularly with new filings.
What is the revenue of FamiCord AG (VTIAF)?
FamiCord AG reported trailing-twelve-month revenue of about €87.6M (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of FamiCord AG (VTIAF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For FamiCord AG it is $3.59 per share (as of Sep 24, 2026), against a price of $3.10. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is FamiCord AG stock overvalued or undervalued in 2026?
As of Sep 24, 2026, VTIAF trades below its calculated fair value: price $3.10, fair value $3.59, a gap of about +16% (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 VTIAF?
No. The price is what the market pays today ($3.10); the fair value is what the company's own numbers justify ($3.59). For FamiCord AG the two are $0.4900 per share apart. That gap is exactly why we show both numbers side by side.
How much is FamiCord AG worth?
The market values FamiCord AG at about $111M (market capitalisation, as of Sep 24, 2026). Per share that is $3.10; our models calculate a fair value of $3.59 per share.
What do the bullish and bearish scenarios say about VTIAF?
Our models span a range for FamiCord AG: cautious scenario $2.50, base $3.59, optimistic $4.67 per share (as of Sep 24, 2026, price $3.10). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of FamiCord AG (VTIAF)?
Balance-sheet figures for FamiCord AG (as of Sep 24, 2026): return on equity −56.8%, debt of 1.55 per unit of equity. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
How far is VTIAF from its 52-week high?
FamiCord AG trades at $3.10, about 56% below its 52-week high of $7.00 and at the low of $3.10 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of $3.59 is for.
Which stocks are comparable to FamiCord AG?
From the same area (Healthcare) we also value HCA Healthcare, Inc, Fresenius SE, Dr. Sulaiman Al Habib Medical Services Group, Tenet Healthcare Corporation, 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 FamiCord AG stock attractive at the current price?
The data as of Sep 24, 2026: price $3.10, calculated fair value $3.59 (+16%), Quality Score 41/100, 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 VTIAF calculated?
We run FamiCord 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 $3.59, 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 14.5 % above its aggregate fair value. FamiCord AG currently trades 14 % 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 FamiCord AG (VTIAF)?
The closing price on Oct 1, 2026 was $3.10. Our model-based fair value is $3.59, about +16% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with FamiCord AG right now?
A fairly wide model range ($2.50 to $4.67) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.

Key figures of FamiCord AG

How large is the market capitalisation of FamiCord AG (VTIAF)?
The market capitalisation of FamiCord AG is $111M. 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 FamiCord AG (VTIAF)?
The price-to-sales ratio of FamiCord AG is 1.27 (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 FamiCord AG (VTIAF)?
Earnings per share at FamiCord AG are $−0.7000. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of FamiCord AG (VTIAF)?
The net margin of FamiCord AG is −7.1% (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 FamiCord AG (VTIAF)?
The return on equity (ROE) of FamiCord AG is −56.8% (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 FamiCord AG (VTIAF)?
On an EBIT basis the return on assets of FamiCord AG is −6.0% (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 FamiCord AG (VTIAF)?
The operating margin of FamiCord AG is 0.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at FamiCord AG (VTIAF)?
Revenue at FamiCord AG is growing −2.7% versus a year earlier (3y avg +8.5%). 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 FamiCord AG (VTIAF)?
Earnings per share at FamiCord AG are growing −12.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does FamiCord AG (VTIAF) generate?
The free cash flow of FamiCord AG is −€249K (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 FamiCord AG (VTIAF) carry?
The net debt of FamiCord AG is €11.6M (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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