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XTB S.A (XTB) Fair Value & Analysis

Financial Services · PL · Market cap 12.7B PLN

Price109.10 PLN
Fair Value23.85 PLN
Upside-78.1%
Quality95/100
Evidence: High Range 17.88 PLN – 29.81 PLN

Analysis

XTB S.A (XTB) currently trades at 109.10 PLN, while our model-based Fair Value estimate is 23.85 PLN — implying the stock looks roughly 78.1% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

XTB S.A., together with its subsidiaries, provides ETF, currency derivatives, commodities, indices, stocks, and bonds brokerage services in Central and Eastern Europe, Western Europe, Latin America, and the Middle East. It operates in two segments, Retail Operations and Institutional Activity. The Retail operations segment engages in the provision of trading in financial instruments for individual customers. The Institutional Activity segment is involved in the provision of trading in financial instruments and offering trade infrastructure to institutions, that provides services of trading in financial instruments for own customers under own brand. The company was formerly known as X-Trade Brokers Dom Maklerski Spólka Akcyjna and changed its name to XTB S.A. in January 2022. XTB S.A. was founded in 2002 and is headquartered in Warsaw, Poland. XTB S.A. is a subsidiary of XXZW Investment Group S.A.

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How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.