Fon SE (WAR:FON) GF Score: 70/100 (As of Jul. 08, 2026) — 23% Above Median


WAR:FON Fon SE WAR:FON
70 GF Score
Price zł1.84
GF Value zł2.67
Valuation Possible Value Trap
! 3 Warning Signs
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What is Fon SE GF Score?

Fon SE WAR:FON +2.22% 70 GF Score is 70 as of Jul. 08, 2026, which is 23% above its 10-year median of 57.00. GuruFocus rates WAR:FON with a GF Score™ of 70/100 and a GF Value™ of zł2.67 (Possible Value Trap). The stock has 3 warning signs investors should review.

Fon SE has the GF Score of 70, which implies that the company might have Poor future performance potential.

The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.

GF Score takes following five key aspects into consideration:

1. Financial Strength : 4/10
2. Profitability Rank : 6/10
3. Growth Rank : 3/10
4. GF Value Rank : 8/10
5. Momentum Rank : 7/10

Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.

Based on research and backtesting result, GuruFocus believes Fon SE might have Poor future performance potential.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Fon SE  (WAR:FON) GF Score Explanation

Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:

GF Score Performance Potential and All-in-One Screener Examples (1)
91 - 100Highest outperformance potential
81 - 90Good outperformance potential
71 - 80Likely to have average performance
51 - 70Poor future performance potential
0 - 50Worst future performance potential, or not enough data

(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.

Fon SE GF Score Related Terms

WAR:FON vs V, MA, AXP: GF Score Comparison

For the Credit Services subindustry, Fon SE's GF Score, along with its competitors' market caps and GF Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Fon SE GF Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Fon SE's GF Score distribution charts can be found below:

* The bar in red indicates where Fon SE's GF Score falls into.


WAR:FON
70GF Score
Fon SE WAR:FON
GF Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Score →
What does a GF Score of 70 mean?
Fon SE (WAR:FON) has a GF Score of 70 as of Jul. 08, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Fon SE and its competitors. This is 23% above median its historical median of 57.00. Over the past decade, Fon SE's GF Score has ranged from 25.00 to 81.00.
Is Fon SE's GF Score too high?
Fon SE's current GF Score of 70 is 23% above median its 10-year median of 57.00. Over the past 10 years, this metric has ranged from a low of 25.00 to a high of 81.00. Overall, Fon SE has a GF Score™ of 70/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Fon SE's GF Score compare to V and MA?
Fon SE's GF Score of 70 can be compared against companies in the Credit Services industry. Historically, Fon SE's own GF Score has ranged from 25.00 to 81.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Credit Services company?
A good GF Score depends on the Credit Services industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Fon SE and its competitors. Fon SE's current GF Score is 70, which is 23% above median its own 10-year median of 57.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fon SE stock overvalued right now?
Based on GuruFocus' analysis, Fon SE (WAR:FON) is currently considered Possible Value Trap. The stock's GF Value™ is zł2.67, compared to a current price of zł1.84 — trading 31.1% below its estimated fair value. The current GF Score is 70, which is 23% above median its 10-year median of 57.00. Fon SE's overall GF Score™ is 70/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Fon SE (WAR:FON), the current GF Score is 70 as of Jul. 08, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Fon SE (WAR:FON) Overvalued in 2026?

Based on GuruFocus' analysis, Fon SE stock appears to be undervalued. The current stock price of zł1.84 is trading 31.1% below its estimated GF Value™ of zł2.67. GuruFocus considers Fon SE to be Possible Value Trap.

Key valuation signals for WAR:FON:

  • GF Score: 70 (23% above median its 10-year median of 57.00)
  • GF Value™: zł2.67 vs. price of zł1.84 (31.1% below fair value)
  • GF Score™: 70/100 with 3 warning signs

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

Fon SE Business Description

Address Tornimae Str 5, Harju County, Kesklinna Linnaosa, Tallinn, EST, 10145
Fon SE is engaged in financial activities and capital investments. The company offers medium-term cash loans to retail clients and small businesses and generates revenue through interest on loans granted. Geographically, it derives a majority of its revenue from its customers in Poland and the rest from Estonia.
70GF Score

Get the complete analysis for WAR:FON

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

zł1.84
Price
zł2.67
GF Value