Wierzycl (WRL) fair value: what the stock is really worth
As of Oct 6, 2026: fair value of Wierzycl PLN 0.12, price PLN 0.80, upside -85.6%, quality 72 out of 100. Calculated from audited financials with 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, dashed = 300-day average. As of Oct 3, 2026.
How to read this chart
60‑month range 0.3580 PLN – 2.99 PLN · fair‑value band 0.0900 PLN – 0.1450 PLN · the 0.7980 PLN price screens above the 0.1150 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 3, 2026.
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Wierzycl (WRL) currently trades at 0.7980 PLN, while our model-based Fair Value estimate is 0.1150 PLN, 85.6% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of 0.8400 PLN per share, and 1 of the 4 models we run sit above the 0.7980 PLN price.
Bear case: the Multiples group reads lowest at 0.1200 PLN, and 3 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: 0.0900 PLN (bear) to 0.1450 PLN (bull), the price of 0.7980 PLN sits above 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 72/100 (solid quality), in the Financials sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Wierzycl reported revenue of 2.7M PLN in FY2025 versus 1.0M PLN in FY2021, a compound +27.9%/yr. Reported net income was 58.3K PLN in FY2025.
Key figures
Market cap 6.0M PLN (≈ $1.5M) · P/E ratio 137.6 · P/S ratio 2.97 · EPS (TTM) −0.0671 PLN · Net margin 2.2% · Return on equity −502% · Return on assets (EBIT) 5.5% · Free cash flow 638K PLN.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 56% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financials peers we cover trades at 100% fair-value upside, at −86%, WRL screens richer than that median.
Fair Value models
Bear 0.0900 PLNFair Value 0.1150 PLNBull 0.1450 PLN
Price 0.7980 PLN · Upside -85.6%
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.
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.90/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+26.2%
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.
+26.6%
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.
+20.8%
Start year 2020 (pandemic)
Revenue growth 9 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.
−3.3%
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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.
−52.9% (2020) → −3.8% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no profitable base year
not computed
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−7.7%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Poland: IMF forecast 3.1% a year to 2030, 4.6% from 2016 to 2025) that is about −10.6% a year for the price.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Banking Services” was too small, so the broader sector is used.)Financials · 3234 stocks
Beats the sector median on 3/9 measures
Overall it trails its sector peers.
Valuation
Quality Score72 · Top 25%
Fair Value upside−85.6% · Bottom 25%
Profitability
Return on assets0.0% · Bottom 25%
Net margin (TTM)2.2% · Bottom 25%
Operating margin (TTM)0.0% · Bottom 25%
Growth and dividend
Revenue growth0.0% · Below median
Valuation Multiplesvs Financials median · lower = cheaper
P/E (TTM)137.6× · Priciest 25%
P/B0.20× · Cheapest 25%
P/FCF2.4× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 24
FUTURE (revenue growth)0· sector 47
PAST (return on equity)0· sector 38
HEALTH (low debt)100· sector 87
DIVIDEND (yield)0· sector 58
VALUE 0: the price sits above our fair-value range.
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). "Wierzycl Fair Value". https://www.fairvalue-calculator.com/stock/WRL
Frequently asked questions
Is Wierzycl (WRL) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of 0.1150 PLN versus a price of 0.7980 PLN, about −86% upside (overvalued).
What is the fair value of WRL?
Our model-based fair value for Wierzycl is 0.1150 PLN (as of Oct 3, 2026), built from audited fundamentals. The current price: 0.7980 PLN.
What is the quality score of WRL?
Wierzycl has a Quality Score of 72/100. 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 Wierzycl (WRL)?
Our model-based price target is the fair value of 0.1150 PLN (as of Oct 3, 2026) from 4 valuation models. Cautious scenario 0.0900 PLN, optimistic scenario 0.1450 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Wierzycl stock forecast for 2026?
Our models put fair value at 0.1150 PLN, about −86% upside versus a price of 0.7980 PLN (overvalued). Cautious scenario 0.0900 PLN, optimistic scenario 0.1450 PLN. The calculation is refreshed regularly with new filings.
What growth is priced into Wierzycl (WRL)?
For today's price to be fair in a discounted-cash-flow model, Wierzycl would have to grow free cash flow by -7.7 % per year for five years (discount rate 10.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +20.8 % per year. As of Oct 3, 2026.
What discount rate (WACC) does the fair value of WRL use?
Our models discount Wierzycl at 10.6 %: a base by market capitalisation (nano), country premium for Poland. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Wierzycl that is -7.7 % per year a year over ten years, using the same discount rate (10.6 %) and the same formula as our fair value.
How much growth has Wierzycl (WRL) delivered so far?
Over the past 5 years revenue at Wierzycl grew +20.8 % a year. The price currently implies -7.7 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Wierzycl (WRL) growing?
The median revenue growth in the sector is +9.3 % a year. That is the yardstick for the growth priced into Wierzycl (-7.7 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Wierzycl (WRL)?
The free-cash-flow yield on the price is 10.61 %: that much free cash flow Wierzycl produces per unit of market value. When it exceeds the discount rate of our models (10.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Wierzycl (WRL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Wierzycl it is 0.1150 PLN per share (as of Oct 3, 2026), against a price of 0.7980 PLN. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Wierzycl stock overvalued or undervalued in 2026?
As of Oct 3, 2026, WRL trades above its calculated fair value: price 0.7980 PLN, fair value 0.1150 PLN, a gap of about −86% (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 WRL?
No. The price is what the market pays today (0.7980 PLN); the fair value is what the company's own numbers justify (0.1150 PLN). For Wierzycl the two are 0.6830 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Wierzycl worth?
The market values Wierzycl at about 6.0M PLN (market capitalisation, as of Oct 3, 2026). Per share that is 0.7980 PLN; our models calculate a fair value of 0.1150 PLN per share.
What do the bullish and bearish scenarios say about WRL?
Our models span a range for Wierzycl: cautious scenario 0.0900 PLN, base 0.1150 PLN, optimistic 0.1450 PLN per share (as of Oct 3, 2026, price 0.7980 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of WRL?
Wierzycl trades at a price-to-earnings ratio of 137.6 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 0.1150 PLN is built from several models across several years. Other multiples: P/B 0.2.
How far is WRL from its 52-week high?
Wierzycl trades at 0.7980 PLN, at its 52-week high of 0.7980 PLN and 56% above the low of 0.5120 PLN (as of Oct 6, 2026). Distance from the high says nothing about value: that is what the fair value of 0.1150 PLN is for.
Which stocks are comparable to Wierzycl?
From the same area (Financials) we also value Federal Home Loan Mortgage Corporation, LTG, 535789, Han Kook Capital.Co., Ltd, 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 Wierzycl stock attractive at the current price?
The data as of Oct 3, 2026: price 0.7980 PLN, calculated fair value 0.1150 PLN (−86%), Quality Score 72/100, from 4 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 WRL calculated?
We run Wierzycl through 4 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 0.1150 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 15.4 % above its aggregate fair value. Wierzycl 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 Wierzycl (WRL)?
The closing price on Oct 6, 2026 was 0.7980 PLN. Our model-based fair value is 0.1150 PLN, about −86% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Wierzycl right now?
A high-quality business (quality 72/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety. The price sits above even our optimistic bull case (0.1450 PLN). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Wierzycl
How large is the market capitalisation of Wierzycl (WRL)?
The market capitalisation of Wierzycl is 6.0M PLN (≈ $1.5M). 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 Wierzycl (WRL)?
The price-to-sales ratio of Wierzycl is 2.97 (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 Wierzycl (WRL)?
Earnings per share at Wierzycl are −0.0671 PLN (price ÷ EPS = P/E 137.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Wierzycl (WRL)?
The net margin of Wierzycl is 2.2% (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 Wierzycl (WRL)?
The return on equity (ROE) of Wierzycl is −502% (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 Wierzycl (WRL)?
On an EBIT basis the return on assets of Wierzycl is 5.5% (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.
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