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Gecina SA (GFC) Fair Value & Analysis

Real Estate · FR · Market cap €5.5B · ISIN FR0010040865

What is Gecina SA really worth?

GS Gecina SA GFC · PA
Price€68.20
Fair Value€75.35
Upside+10.5%
Quality54/100

A solid business, trading 9% below our fair value of €75.35.

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Strengths

Highly profitable · 51.9% net margin
Ranks above peers (11/14)

Risks

!Weak Growth (revenue 5y +0.8 %/yr)
!Low debt · negative free cash flow
!Moderate moat 61/100
!Weak on past: 17 out of 100

For context

·8.06% dividend yield
Evidence: High Range €56.52 – €94.19

Fair value as of: Sep 3, 2026

From 9 valuation models · updated yesterday

Share price −9.6% over the past month.

What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

What matters now

  • As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
  • The price sits in the lower half of our model range, the side with the larger margin of safety.
  • The data supports the verdict: every model runs on fully documented inputs.

Price vs Fair Value (5 years)

€100.01 €59.39 Fair Value €75.35 Jul 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 3, 2026.

How to read this chart

60‑month range €59.39 – €100.01 · fair‑value band €56.52 – €94.19 · the €68.20 price screens below the €75.35 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 3, 2026.

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Analysis

Gecina SA (GFC) currently trades at €68.20, while our model-based Fair Value estimate is €75.35, implying the stock looks roughly 9.5% undervalued today. The Quality Score stands at 54/100 (solid quality), in the Real Estate sector. Bull case: the Economic Profit group reads highest at a median of €107.07 per share, and 5 of the 9 models we run sit above the €68.20 price. Bear case: the Dividend Discount group reads lowest at €66.00, and 4 of the 9 models stay below the price. Evidence for this calculation is high.

Over the trailing twelve months, Gecina SA generated revenue of €865M at a net margin of 51.9%. It earns a return on equity of 4.3%. Net debt stands at €6.8B. The stock trades on a trailing P/E of 11.3. Fundamentals as of Sep 3, 2026

Our scenario range runs from €56.52 (bear case) to €94.19 (bull case); at €68.20, 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 about 24% below its 52-week high and 5% above its 52-week low, currently below its 200-day average. For context, the median of 10 Real Estate peers we cover trades at −25% fair-value upside, at 10%, GFC screens cheaper 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 €0.3587 per share, which is 0.5 % 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.

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
Residual Income best evidence €106.55 €107.07 €97.93 76
Gordon GGM €47.83 €66.69 €85.40 69
DDM Multi-Stage €47.83 €66.00 €86.37 67
All 9 models by family
Dividend Discount
Gordon GGM €47.83 €66.69 €85.40 69
DDM Multi-Stage €47.83 €66.00 €86.37 67
Multiples
P/S Multiple €56.52 €75.35 €94.19 58
P/B Multiple €77.16 €102.88 €128.60 55
EV/EBIT €61.79 €103.38 €144.97 64
EV/EBITDA €16.94 €43.58 €70.22 62
EV/Revenue €18.17 €42.52 50
Asset-Based
NCAV (Graham) €71.30 €95.55 €142.61 54
Economic Profit
Residual Income best evidence €106.55 €107.07 €97.93 76

Widest divergence: Economic Profit (€107.07) versus Dividend Discount (€66.00). Highest evidence: Residual Income (76).

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Key figures & financial health

P/E ratio 11.3
P/S ratio 5.90 P/E × margin
EPS (TTM) €6.03 price ÷ EPS = P/E 11.3
Dividend yield 8.1% payout 91.2%
Net margin 52.2% FY2025
Return on equity 4.3% TTM
More key figures
Profitability
Return on assets (EBIT) 0.2% avg 5y
Operating margin 75.2% TTM
Growth
Revenue (TTM) €865M TTM
EPS growth (YoY) −28.0%
Balance sheet & cash flow
Free cash flow −€491M FY2025
Net debt €6.8B FY2025

Figures from reported company fundamentals · as of Sep 3, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 54/100

Of which business quality 51 · Market factors (momentum, volatility) 46

Profitability 33
Margins and returns on capital today
Quality Growth 62
Are margins and returns improving?
Cashflow 35
Earnings quality: real cash, not paper profit
Fin. Strength 50
Balance sheet, leverage, solvency risk
Investment 67
Disciplined investing over empire-building
Low Volatility 74
Calm price path (market factor)
Momentum 40
Price trend over the last 3–12 months (market factor)
52W Momentum 24
Distance to the 52-week high (market factor)
Net Issuance 79
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.

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.

About the company

Gecina is a leading operator that fully integrates all real estate expertise, owning, managing, and developing a unique prime portfolio valued at 17.6bn euros as at December 31, 2025. Strategically located in the most central areas of Paris and the Paris Region, Gecina's portfolio includes 1.2 million sq.m of office space and nearly 5,300 residential units.

Full company description

Gecina is a leading operator that fully integrates all real estate expertise, owning, managing, and developing a unique prime portfolio valued at 17.6bn euros as at December 31, 2025. Strategically located in the most central areas of Paris and the Paris Region, Gecina's portfolio includes 1.2 million sq.m of office space and nearly 5,300 residential units. By combining long-term value creation with operational excellence, Gecina offers high-quality, sustainable living and working environments tailored to the evolving needs of urban users. As a committed operator, Gecina enhances its assets with high-value services and dynamic property and asset management, fostering vibrant communities. Through its YouFirst brand, Gecina places user experience at the heart of its strategy. In line with its social responsibility commitments, the Foundation Gecina supports initiatives across four core pillars: disability inclusion, environmental protection, cultural heritage, and housing access. Gecina is a French real estate investment trust (SIIC) listed on Euronext Paris, and is part of the SBF 120, CAC Next 20 and CAC Large 60 indices. Gecina is also recognized as one of the top-performing companies in its industry by leading sustainability rankings (GRESB, Sustainalytics, MSCI, ISS-ESG, and CDP) and is committed to radically reducing its carbon emissions by 2030. Gecina was incorporated in 10th February 1959 in France.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Gecina SA reported revenue of €859M in FY2025 versus €762M in FY2021, a compound +3.0%/yr. Reported net income was €448M in FY2025, compounding −14.8%/yr from FY2021.

Growth Quality 26/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2025)
€859M
Latest YoY
+0.5%
Avg. revenue 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.
+3.6%
Avg. revenue 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.
+0.8%
Avg. revenue growth/yr (21Y) 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.
+2.7%
Value creation/yr (5Y) Earnings growth per share (CAGR 5 years, EBIT basis) plus dividend yield: value created per share and year.
+11.8% (3.7 + 8.1)
Revenue +3.0%/yr
FY21 €762M
FY22 €772M
FY23 €836M
FY24 €854M
FY25 €859M
Net income −14.8%/yr
FY21 €849M
FY22 €170M
FY23 −€1.8B
FY24 €310M
FY25 €448M
Character of growth · EPS growth decomposed (2014-2025) −10.0 % p.a.
Revenue per share +4.0 %

of which total revenue +5.7 % · buybacks/dilution −1.7 %

EBIT margin −3.1 %
Tax rate +0.0 %
Residual (interest, one-offs) −10.7 %

Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).

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Cite: Fair Value Calculator (2026). "Gecina SA Fair Value". https://www.fairvalue-calculator.com/stock/GFC

Peer Group

REIT - Office · 69 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 56 · Above median
Fair Value upside +11% · Above median
Return on equity (TTM) 4% · Above median
Return on assets 2% · Above median
Net margin (TTM) 52% · Top 25%
Operating margin (TTM) 75% · Top 25%
Revenue growth 0% · Above median
Dividend yield (TTM) 8.1% · Above median
Debt / equity 0.45× · Lower than median

Valuation Multiples vs REIT - Office median · lower = cheaper

P/E (TTM) 11.3× · Cheaper than 75% of peers
P/B 0.61× · Cheaper than median
P/S (TTM) 7.44× · Pricier than 75% of peers
EV/EBITDA 16.7× · Pricier than median
PEG 12.30× · Pricier than 75% of peers

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.

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE47 · sector 24
FUTURE0 · sector 0
PAST17 · sector 11
HEALTH78 · sector 66
DIVIDEND100 · sector 100

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

Similar stocks

10 more REIT - Office stocks, each showing price versus our Fair Value estimate (as of Sep 3, 2026).

Stock Price Fair Value vs Fair Value
MERLIN Properties SOCIMI, S.A MRL €13.51 €5.66 −58%
BXP, Inc BXP $67.95 $53.27 −22%
Vornado Realty Trust VNORP $51.00 $40.45 −21%
Alexandria Real Estate Equities, Inc ARE $51.63 $58.69 +14%
Hudson Pacific Properties, Inc HPP $12.74 $3.81 −70%
Mapletree Pan Asia Commercial Trust N2IU 1.27 SGD 1.14 SGD −10%
Cousins Properties Incorporated CUZ $29.25 $17.46 −40%
EMBASSYRR EMBASSYRR ₹449.01 ₹134.34 −70%
Embassy Office Parks REIT owns, EMBASSY ₹435.90 ₹141.82 −67%
DEXUS DXS A$5.96 A$4.49 −25%

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Frequently asked questions

Is Gecina SA (GFC) overvalued or undervalued?
As of Sep 3, 2026, our model estimates a fair value of €75.35 versus a price of €68.20, about +10% upside (undervalued).
What is the fair value of GFC?
Our model-based fair value for Gecina SA is €75.35 (as of Sep 3, 2026), built from audited fundamentals. The current price: €68.20.
What is the quality score of GFC?
Gecina SA has a Quality Score of 54/100. 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 Gecina SA (GFC)?
Gecina SA reported trailing-twelve-month revenue of about €865M (latest available figure, as of Sep 3, 2026).
What is the net profit margin of GFC?
The net profit margin of Gecina SA is about 51.9%, meaning it keeps roughly 51.9% of revenue as net income. Based on the latest reported figures.
Does Gecina SA pay a dividend?
Gecina SA currently shows a dividend yield of about 8.06% relative to its recent price (as of Sep 3, 2026).
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