BOCHGR Fair Value & Analysis
Financials · GR · Market cap €4.3B
What is BOCHGR really worth?
A solid business, trading 11% below our fair value of €11.80.
Strengths
Risks
For context
Fair value as of: Sep 5, 2026
From 6 valuation models · updated today
Share price −0.8% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- The price sits in the lower half of our model range, the side with the larger margin of safety.
- Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
Price vs Fair Value (23 months)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 5, 2026.
How to read this chart
23‑month range €3.58 – €10.89 · fair‑value band €8.85 – €14.75 · the €10.50 price screens below the €11.80 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 5, 2026.
Analysis
BOCHGR (BOCHGR) currently trades at €10.50, while our model-based Fair Value estimate is €11.80, implying the stock looks roughly 11.0% undervalued today. The Quality Score stands at 70/100 (solid quality), in the Financials sector. Bull case: the Dividend Discount group reads highest at a median of €9.51 per share, and 2 of the 6 models we run sit above the €10.50 price. Bear case: the Asset-Based group reads lowest at €4.51, and 4 of the 6 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, BOCHGR generated revenue of €1.0B at a net margin of 48.0%. Revenue grew 4.1% year over year. It earns a return on equity of 16.2%. The stock trades on a trailing P/E of 9.5. Fundamentals as of Sep 5, 2026
Our scenario range runs from €8.85 (bear case) to €14.75 (bull case); at €10.50, the current price sits within 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 near its 52-week high and 94% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financials peers we cover trades at 47% fair-value upside, at 12%, BOCHGR screens richer than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly €0.2786 per share, which is 2.4 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced 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. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Dividend Discount (€9.51) versus Asset-Based (€4.51). Highest evidence: Residual Income (67).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Sep 5, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 74 · Market factors (momentum, volatility) 82
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.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
BOCHGR reported revenue of €1.0B in FY2025 versus €555M in FY2021, a compound +16.7%/yr. Reported net income was €481M in FY2025, compounding +100.5%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
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Peer Group
Financials · 3318 stocks
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 “Banks” was too small, so the broader sector is used.)
Valuation Multiples vs Financials median · lower = cheaper
Strength profile in five axes (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.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks stocks, each showing price versus our Fair Value estimate (as of Sep 5, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Ping An Insurance (Group) Company 82318 | HK$48.18 | HK$61.00 | +27% |
| AIA Group 81299 | HK$62.10 | HK$6.45 | −90% |
| Federal Home Loan Mortgage Corporation FMCKK | $13.00 | $26.00 | +100% |
| CGABL CGABL | $16.15 | $10.52 | −35% |
| American Financial Group AFGE | $16.12 | $13.69 | −15% |
| AIZN AIZN | $18.44 | $22.31 | +21% |
| Reinsurance Group RZB | $25.34 | $43.96 | +73% |
| MGRB MGRB | $16.13 | $23.73 | +47% |
| Unum Group UNMA | $21.65 | $37.34 | +73% |
| Affiliated Managers Group MGR | $19.72 | $35.70 | +81% |
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