NFON AG (XTER:NFN) Gross Loan

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XTER:NFN NFON AG XTER:NFN
56 GF Score
Price €3.40
GF Value €5.99
Valuation Possible Value Trap
! 6 Warning Signs
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What is NFON AG Gross Loan?

Gross Loan only applies to banks.

XTER:NFN
56GF Score
NFON AG XTER:NFN
Gross Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Is NFON AG (XTER:NFN) Overvalued in 2026?

Based on GuruFocus' analysis, NFON AG stock appears to be undervalued. The current stock price of €3.40 is trading 43.2% below its estimated GF Value™ of €5.99. GuruFocus considers NFON AG to be Possible Value Trap.

Key valuation signals for XTER:NFN:

  • Gross Loan:
  • GF Value™: €5.99 vs. price of €3.40 (43.2% below fair value)
  • GF Score™: 56/100 with 6 warning signs

No single metric tells the full story. See the XTER:NFN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

NFON AG Business Description

Other Exchanges NFN:Austria
Address Zielstattstrasse 36, Munich, DEU, 81379
NFON AG is a German provider of cloud-based business communication services. The company offers cloud PBX telephony, contact center software, unified communications and collaboration tools, and integrations with business applications, marketed under brands including Cloudya and the NFON Cloud Telephone System. It serves small, medium, and large enterprises as well as public sector organizations, typically through a network of channel partners, resellers, and system integrators rather than direct sales alone. Revenue is generated primarily through recurring subscription fees for cloud telephony and related services, supplemented by hardware, connectivity, and professional services. NFON operates across several European markets, including Germany, Austria, the United Kingdom, Spain, Italy, France, and Poland, with Germany representing its largest market by revenue. The company has expanded its portfolio through acquisitions and now incorporates artificial intelligence features into its communication platforms.
56GF Score

Get the complete analysis for XTER:NFN

Gross Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€3.40
Price
€5.99
GF Value