Neptis (YAN) fair value: what the stock is really worth
As of Jun 30, 2026: fair value of Neptis PLN 19.42, price PLN 15.00, upside +29.5%, quality 67 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch Neptis for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
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 Sep 24, 2026.
How to read this chart
60‑month range 3.53 PLN – 15.30 PLN · fair‑value band 11.13 PLN – 28.24 PLN · the 15.00 PLN price screens below the 19.42 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.
Follow Neptis in your weekly email
Every Wednesday you see whether Neptis is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Yanosik S.A. engages in the provision of driver services for users in vehicle care and assisting drivers in Poland and internationally. The company also offers services related to insurance, financing, car sales, car purchases, and others.
Show more
Yanosik S.A. engages in the provision of driver services for users in vehicle care and assisting drivers in Poland and internationally. The company also offers services related to insurance, financing, car sales, car purchases, and others. In addition, it provides Yanosik, an application that offers various services, such as online navigation, traffic situations and incidents information, motor and travel insurance, e-vignettes, highway tickets, car expenses records, car sales, and radio stations services, as well as making an appointment at a car repair shop. The company was formerly known as Neptis Spólka Akcyjna and changed its name to Yanosik S.A. in October 2025. Yanosik S.A. was founded in 2008 and is based in Poznan, Poland.
Stock analysis
Neptis (YAN) currently trades at 15.00 PLN, while our model-based Fair Value estimate is 19.42 PLN, implying the stock looks roughly 22.8% undervalued today.
Show more
Valuation
Bull case: the DCF Models group reads highest at a median of 22.52 PLN per share, and 15 of the 24 models we run sit above the 15.00 PLN price.
Bear case: the Economic Profit group reads lowest at 5.68 PLN, and 9 of the 24 models stay below the price. Evidence for this calculation is medium.
Scenario range: 11.13 PLN (bear) to 28.24 PLN (bull), the price of 15.00 PLN 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 67/100 (solid quality), in the Technology sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Neptis reported revenue of 63.3M PLN in FY2025 versus 28.2M PLN in FY2021, a compound +22.5%/yr. Reported net income was 8.1M PLN in FY2025, compounding +50.1%/yr from FY2021.
Key figures
Market cap 150M PLN (≈ $38.5M) · P/E ratio 16.0 · P/S ratio 2.04 · EPS (TTM) 0.9400 PLN · Net margin 12.8% · Return on equity 91.4% · Return on assets (EBIT) 18.1% · Operating margin 15.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 2% below its 52-week high and 21% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at −37% fair-value upside, at 29%, YAN screens cheaper than that median.
Fair Value models
Bear 11.13 PLNFair Value 19.42 PLNBull 28.24 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 (0.7108 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.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.100/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+8.0%
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.
+6.1%
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.
+24.8%
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.
+18.8%
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
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.
−6.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−6.1%
Dividend (yield on the price)0.0%
Profit margin 2016 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.6% → 15%
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).
+6.1%
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 +2.9% a year for the price.
Price, fair value, quality and upside side by side.
Free, no sign-up
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.Scientific & Technical Instruments · 154 stocks
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). "Neptis Fair Value". https://www.fairvalue-calculator.com/stock/YAN
Frequently asked questions
Is Neptis (YAN) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 19.42 PLN versus the last price from Jun 30, 2026 of 15.00 PLN, about +29% upside (undervalued).
What is the fair value of YAN?
Our model-based fair value for Neptis is 19.42 PLN (as of Sep 24, 2026), built from audited fundamentals. Last price (from Jun 30, 2026): 15.00 PLN.
What is the quality score of YAN?
Neptis has a Quality Score of 67/100. 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 Neptis (YAN)?
Our model-based price target is the fair value of 19.42 PLN (as of Sep 24, 2026) from 24 valuation models. Cautious scenario 11.13 PLN, optimistic scenario 28.24 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Neptis stock forecast for 2026?
Our models put fair value at 19.42 PLN, about +29% upside versus the last price from Jun 30, 2026 of 15.00 PLN (undervalued). Cautious scenario 11.13 PLN, optimistic scenario 28.24 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Neptis (YAN)?
Neptis reported trailing-twelve-month revenue of about 66.2M PLN (latest available figure, as of Sep 24, 2026).
What growth is priced into Neptis (YAN)?
For today's price to be fair in a discounted-cash-flow model, Neptis would have to grow free cash flow by +6.1 % per year for five years (discount rate 9.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +24.9 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of YAN use?
Our models discount Neptis at 9.3 %: a base by market capitalisation (nano), damped by beta 0.06, 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 Neptis that is +6.1 % per year a year over ten years, using the same discount rate (9.3 %) and the same formula as our fair value.
How much growth has Neptis (YAN) delivered so far?
Over the past 5 years revenue at Neptis grew +24.9 % a year. The price currently implies +6.1 % 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 Neptis (YAN) growing?
The median revenue growth in the sector is +10.1 % a year. That is the yardstick for the growth priced into Neptis (+6.1 % 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 Neptis (YAN)?
The free-cash-flow yield on the price is 5.54 %: that much free cash flow Neptis produces per unit of market value. When it exceeds the discount rate of our models (9.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Neptis (YAN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Neptis it is 19.42 PLN per share (as of Sep 24, 2026), against a price of 15.00 PLN. It is the blended result of 24 valuation models (cash flow, earnings, asset, dividend).
Is Neptis stock overvalued or undervalued in 2026?
As of Sep 24, 2026, YAN trades below its calculated fair value: price 15.00 PLN, fair value 19.42 PLN, a gap of about +29% (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 YAN?
No. The price is what the market pays today (15.00 PLN); the fair value is what the company's own numbers justify (19.42 PLN). For Neptis the two are 4.42 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Neptis worth?
The market values Neptis at about 150M PLN (market capitalisation, as of Sep 24, 2026). Per share that is 15.00 PLN; our models calculate a fair value of 19.42 PLN per share.
What do the bullish and bearish scenarios say about YAN?
Our models span a range for Neptis: cautious scenario 11.13 PLN, base 19.42 PLN, optimistic 28.24 PLN per share (as of Sep 24, 2026, price 15.00 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of YAN?
Neptis trades at a price-to-earnings ratio of 16.0 (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 19.42 PLN is built from several models across several years. Other multiples: P/B 14.9, P/S 2.3, EV/EBITDA 12.4.
How solid is the balance sheet of Neptis (YAN)?
Balance-sheet figures for Neptis (as of Sep 24, 2026): return on equity 91.4%. They feed the Quality Score of 67/100, which measures business quality independently of the share price.
How far is YAN from its 52-week high?
Neptis trades at 15.00 PLN, about 2% below its 52-week high of 15.30 PLN and 21% above the low of 12.40 PLN (as of Jun 30, 2026). Distance from the high says nothing about value: that is what the fair value of 19.42 PLN is for.
Which stocks are comparable to Neptis?
From the same area (Technology) we also value Keysight Technologies, Inc, Coherent Corp, Garmin Ltd, Chroma ATE 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 Neptis stock attractive at the current price?
The data as of Sep 24, 2026: price 15.00 PLN, calculated fair value 19.42 PLN (+29%), Quality Score 67/100, from 24 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 YAN calculated?
We run Neptis through 24 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 19.42 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 14.5 % above its aggregate fair value. Neptis currently trades 23 % 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 Neptis (YAN)?
The latest price we hold is from Jun 30, 2026 and stands at 15.00 PLN. Our model-based fair value is 19.42 PLN, about +29% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Neptis right now?
Solid quality (67/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (11.13 PLN to 28.24 PLN) leaves room in how you read the outcome.
Key figures of Neptis
How large is the market capitalisation of Neptis (YAN)?
The market capitalisation of Neptis is 150M PLN (≈ $38.5M). 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 Neptis (YAN)?
The price-to-sales ratio of Neptis is 2.04 (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 Neptis (YAN)?
Earnings per share at Neptis are 0.9400 PLN (price ÷ EPS = P/E 16.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Neptis (YAN)?
The net margin of Neptis is 12.8% (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 Neptis (YAN)?
The return on equity (ROE) of Neptis is 91.4% (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 Neptis (YAN)?
On an EBIT basis the return on assets of Neptis is 18.1% (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 Neptis (YAN)?
The operating margin of Neptis is 15.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Neptis (YAN)?
Revenue at Neptis is growing +20.4% versus a year earlier (3y avg +6.1%). 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 Neptis (YAN)?
Earnings per share at Neptis are growing +131% versus a year earlier. How much earnings per share grew versus a year earlier.
Free · no account needed
Watch Neptis in the live analysis
One click puts Neptis on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
