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yarrl S.A (YRL) Fair Value & Analysis

Technology · PL · Market cap 44.4M PLN

YS yarrl S.A YRL · WAR
Price5.86 PLN
Fair Value1.84 PLN
Upside-68.6%
Quality50/100
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Healthy Growth
Thin margins · 1.9% net margin
Low debt · generates free cash flow
Ranks above peers (8/13)
Narrow moat 38/100
Evidence: High Range 1.38 PLN – 2.29 PLN Share as image

Fair value as of: Jul 16, 2026

From 26 valuation models · updated 25 days ago

Fair value updated Jul 16, 2026, revised from 6.17 PLN to 1.84 PLN (−70.2%) since Jun 24, 2026. Share price −12.3% over the past month.

A solid business, but screening 69% overvalued on our models.

What matters now

  • The price sits above even our optimistic bull case (2.29 PLN). The favourable scenario is already priced in.
  • Solid but not exceptional quality (50/100) and above fair value, neither a clear bargain nor a standout compounder.
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Price vs Fair Value (5 years)

9.35 PLN 2.91 PLN Fair Value 1.84 PLN Apr 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.

How to read this chart

60‑month range 2.91 PLN – 9.35 PLN · fair‑value band 1.38 PLN – 2.29 PLN · the 5.86 PLN price screens above the 1.84 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.

Full chart & analysis →

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Analysis

yarrl S.A (YRL) currently trades at 5.86 PLN, while our model-based Fair Value estimate is 1.84 PLN, implying the stock looks roughly 68.6% overvalued today. The Quality Score stands at 50/100 (solid quality), in the Technology 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).

Over the trailing twelve months, yarrl S.A generated revenue of 96.8M PLN at a net margin of 2.1%. Revenue grew 15.2% year over year. It earns a return on equity of 8.7%. The balance sheet holds a net cash position of 2.8M PLN. Fundamentals as of Jul 16, 2026

Our scenario range runs from 1.38 PLN (bear case) to 2.29 PLN (bull case); at 5.86 PLN, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 36% below its 52-week high and 17% above its 52-week low, currently below its 200-day average. For context, the median of 10 Technology peers we cover trades at -25% fair-value upside, at -69%, YRL screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

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. Evidence
Highest evidence
Growth DCF 4.95 PLN 7.19 PLN 10.20 PLN 80
Residual Income 3.19 PLN 3.16 PLN 2.83 PLN 76
Rev-Margin DCF 4.94 PLN 7.85 PLN 11.63 PLN 74
All 26 models by family
DCF Models
FCF DCF 5.04 PLN 7.65 PLN 11.44 PLN 38
Owner Earnings 2.89 PLN 4.21 PLN 6.12 PLN 31
5Y Revenue Exit 4.94 PLN 7.91 PLN 11.91 PLN 39
5Y EBITDA Exit 4.99 PLN 8.01 PLN 11.76 PLN 41
5Y P/E Exit 4.41 PLN 6.82 PLN 9.54 PLN 38
10Y Revenue Exit 4.80 PLN 7.37 PLN 11.25 PLN 36
10Y EBITDA Exit 4.93 PLN 7.43 PLN 11.14 PLN 37
10Y P/E Exit 4.61 PLN 6.69 PLN 9.55 PLN 35
Earnings-Based
Graham-Dodd 1.93 PLN 9.13 PLN 12.56 PLN 54
Lynch FV 2.42 PLN 3.46 PLN 4.50 PLN 50
PEG = 1.0 2.42 PLN 3.46 PLN 4.50 PLN 46
EPV 3.74 PLN 4.11 PLN 4.40 PLN 59
Dividend Discount
Gordon GGM 0.3500 PLN 0.5900 PLN 0.7700 PLN 70
DDM Multi-Stage 0.3500 PLN 0.5600 PLN 0.6300 PLN 61
Multiples
P/E Multiple 3.62 PLN 4.82 PLN 6.03 PLN 63
P/S Multiple 3.62 PLN 4.82 PLN 6.03 PLN 58
P/B Multiple 3.62 PLN 4.82 PLN 6.03 PLN 55
EV/EBIT 5.66 PLN 7.31 PLN 8.95 PLN 53
EV/EBITDA 5.39 PLN 6.95 PLN 8.51 PLN 54
EV/Revenue 5.00 PLN 6.84 PLN 8.67 PLN 43
Asset-Based
NCAV (Graham) 2.25 PLN 3.01 PLN 4.49 PLN 50
Growth DCF
Growth DCF 4.95 PLN 7.19 PLN 10.20 PLN 80
Rev-Margin DCF 4.94 PLN 7.85 PLN 11.63 PLN 74
Economic Profit
Residual Income 3.19 PLN 3.16 PLN 2.83 PLN 76
ROIC Compounder 3.74 PLN 4.11 PLN 4.40 PLN 72
Growth Earnings
Growth-Adj P/E 3.43 PLN 4.89 PLN 6.36 PLN 68

Widest divergence: DCF Models (7.37 PLN) versus Dividend Discount (0.5600 PLN). Highest evidence: Growth DCF (80).

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Key figures & financial health

Revenue (TTM) 96.8M PLN
Revenue growth (YoY) +15.2%
Net margin 2.1%
Return on equity 8.7%
Free cash flow 3.3M PLN FY2025
P/E ratio 15.3
More key figures
Operating margin 2.2%
EPS (TTM) 0.4100 PLN
EPS growth (YoY) +12.8%
Net cash 2.8M PLN FY2025

Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 50/100

Of which business quality 54 · Market factors (momentum, volatility) 39

Profitability 49
Margins and returns on capital today
Quality Growth 55
Are margins and returns improving?
Cashflow 54
Earnings quality: real cash, not paper profit
Fin. Strength 77
Balance sheet, leverage, solvency risk
Investment 33
Disciplined investing over empire-building
Low Volatility 74
Calm price path (market factor)
Momentum 32
Price trend over the last 3–12 months (market factor)
52W Momentum 10
Distance to the 52-week high (market factor)
Net Issuance 40
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

yarrl S.A. operates in the information technology business in Poland, European Union, and internationally. It implements call center and contact center systems; and integrates various communication channels and locations.

Full company description

yarrl S.A. operates in the information technology business in Poland, European Union, and internationally. It implements call center and contact center systems; and integrates various communication channels and locations. The company also provides solutions based on voice communication, such as IVR, PDS, speech analytics and voice biometrics, as well as in the field of communication services and customer service center management. In addition, it offers chatbot and voice Bot systems; and unified communication and collaboration systems, such as voice and video calls, social media, and mobile applications, as well as software development and construction, partner solution implementation, and conference and training services. Further, the company implements, develops, and maintains enterprise-class solutions on the Meltemee platform. The company serves central government units, the financial sector, and medium-sized and large enterprises. The company was formerly known as Unima 2000 Systemy Teleinformatyczne S.A. and changed its name to yarrl S.A. in December 2023. yarrl S.A. was incorporated in 2004 and is headquartered in Kraków, Poland.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

yarrl S.A reported revenue of 96.8M PLN in FY2025 versus 33.8M PLN in FY2021, a compound +30.1%/yr. Reported net income was 2.1M PLN in FY2025.

Growth Quality 85/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2025)
96.8M PLN
Latest YoY
+34.9%
Avg. growth/yr (3Y) 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.
+52.6%
Avg. growth/yr (5Y) 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.
+19.7%
Avg. growth/yr (20Y) 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.
+11.4%
Revenue +30.1%/yr
FY21 33.8M PLN
FY22 27.3M PLN
FY23 30.7M PLN
FY24 71.8M PLN
FY25 96.8M PLN
Net income
FY21 −742K PLN
FY22 −11.2M PLN
FY23 1.4M PLN
FY24 3.6M PLN
FY25 2.1M PLN

YRL screens 69% overvalued. Compare with International Business Machines Corporation →

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Cite: Fair Value Calculator (2026). "yarrl S.A Fair Value". https://www.fairvalue-calculator.com/stock/YRL

Peer Group

Information Technology Services · 475 stocks

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.

Quality Score 50 · Below median
Fair Value upside −69% · Bottom 25%
Return on equity (TTM) 10% · Above median
Return on assets 4% · Above median
Net margin (TTM) 2% · Below median
Operating margin (TTM) 6% · Below median
Revenue growth 83% · Top 25%
Debt / equity 0.00× · Lower than median

Valuation Multiples vs Information Technology Services median · lower = cheaper

P/E (TTM) 15.0× · Cheaper than median
P/B 0.37× · Cheaper than 75% of peers
P/S (TTM) 0.10× · Cheaper than 75% of peers
P/FCF 3.6× · Pricier than median
EV/EBITDA 1.3× · Cheaper than 75% of peers

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0 · sector 21
FUTURE 100 · sector 31
PAST 39 · sector 37
HEALTH 100 · sector 97
DIVIDEND 0 · sector 37

VALUE 0: the price sits above our fair-value range.

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Information Technology Services stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).

Stock Price Fair Value vs Fair Value
International Business Machines Corporation IBM $235.92 $143.90 -39%
Accenture plc ACNN 2,460 MXN 250.95 MXN -90%
Infosys Limited INFY ₹1,156 ₹1,457 +26%
HCL Technologies Limited HCLTECH ₹1,204 ₹1,230 +2%
Wipro Limited WIPRO ₹178.43 ₹226.81 +27%
Tech Mahindra Limited TECHM ₹1,455 ₹1,086 -25%
Samsung SDS Co 018260 199,300 KRW 196,390 KRW -1%
Persistent Systems Limited PERSISTENT ₹5,059 ₹2,364 -53%
Hyundai Autoever Corporation 307950 393,000 KRW 133,088 KRW -66%
Coforge Limited COFORGE ₹1,541 ₹702.84 -54%

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Frequently asked questions

Is yarrl S.A (YRL) overvalued or undervalued?
As of Jul 16, 2026, our model estimates a fair value of 1.84 PLN versus a price of 5.86 PLN, about −69% (overvalued).
What is the fair value of YRL?
Our model-based fair value for yarrl S.A is 1.84 PLN (as of Jul 16, 2026), built from audited fundamentals. The current price is 5.86 PLN.
What is the quality score of YRL?
yarrl S.A has a Quality Score of 50/100. 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 revenue of yarrl S.A (YRL)?
yarrl S.A reported trailing-twelve-month revenue of about 96.8M PLN (latest available figure, as of Jul 16, 2026).
What is the net profit margin of YRL?
The net profit margin of yarrl S.A is about 2.1%, meaning it keeps roughly 2.1% of revenue as net income. Based on the latest reported figures.

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.

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