BNP Paribas Bank Polska (FRA:82MA) Margin of Safety % (DCF Dividends Based): 15.50% (As of Jul. 06, 2026)


FRA:82MA BNP Paribas Bank Polska SA FRA:82MA
76 GF Score
Price €33.90
GF Value €22.95
Valuation Significantly Overvalued
! 3 Warning Signs
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What is BNP Paribas Bank Polska Margin of Safety % (DCF Dividends Based)?

BNP Paribas Bank Polska FRA:82MA +1.19% 76 Margin of Safety % (DCF Dividends Based) is 15.50% as of Jul. 06, 2026. GuruFocus rates FRA:82MA with a GF Score™ of 76/100 and a GF Value™ of €22.95 (Significantly Overvalued). The stock has 3 warning signs investors should review.

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

As of today (2026-07-06), BNP Paribas Bank Polska's Predictability Rank is 1.5-Stars. BNP Paribas Bank Polska's intrinsic value calculated from the Discounted Dividend model is €118.57 and current share price is €33.90. Consequently,

BNP Paribas Bank Polska's Margin of Safety % (DCF Dividends Based) using Discounted Dividend model is 15.50%.

FRA:82MA vs PNC, USB: Margin of Safety % (DCF Dividends Based) Comparison

For the Banks - Regional subindustry, BNP Paribas Bank Polska's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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.

BNP Paribas Bank Polska Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, BNP Paribas Bank Polska's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where BNP Paribas Bank Polska's Margin of Safety % (DCF Dividends Based) falls into.


FRA:82MA
76GF Score
BNP Paribas Bank Polska SA FRA:82MA
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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BNP Paribas Bank Polska Margin of Safety % (DCF Dividends Based) Calculation

BNP Paribas Bank Polska's Margin of Safety % (DCF Dividends Based) for today is calculated as

Margin of Safety % (DCF Dividends Based)=(Intrinsic Value: DCF (Dividends Based)-Current Price)/Intrinsic Value: DCF (Dividends Based)
=(40.12-33.90)/40.12
=15.50 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

The intrinsic value is calculated from the Discounted Dividend model with default parameters.

What does a Margin of Safety % (DCF Dividends Based) of 15.50% mean?
BNP Paribas Bank Polska (FRA:82MA) has a Margin of Safety % (DCF Dividends Based) of 15.50% as of Jul. 06, 2026. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on BNP Paribas Bank Polska.
Is BNP Paribas Bank Polska's Margin of Safety % (DCF Dividends Based) too high?
BNP Paribas Bank Polska's current Margin of Safety % (DCF Dividends Based) is 15.50%. Overall, BNP Paribas Bank Polska has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BNP Paribas Bank Polska's Margin of Safety % (DCF Dividends Based) compare to PNC and USB?
BNP Paribas Bank Polska's Margin of Safety % (DCF Dividends Based) of 15.50% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Dividends Based) for a Banks company?
A good Margin of Safety % (DCF Dividends Based) depends on the Banks industry context. However, Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) mean?
A high Margin of Safety % (DCF Dividends Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on BNP Paribas Bank Polska. BNP Paribas Bank Polska's current Margin of Safety % (DCF Dividends Based) is 15.50%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BNP Paribas Bank Polska stock overvalued right now?
Based on GuruFocus' analysis, BNP Paribas Bank Polska (FRA:82MA) is currently considered Significantly Overvalued. The stock's GF Value™ is €22.95, compared to a current price of €33.90 — trading 47.7% above its estimated fair value. The current Margin of Safety % (DCF Dividends Based) is 15.50%. BNP Paribas Bank Polska's overall GF Score™ is 76/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Dividends Based) calculated?
Margin of Safety % (DCF Dividends Based) is calculated from a company's financial statements. For BNP Paribas Bank Polska (FRA:82MA), the current Margin of Safety % (DCF Dividends Based) is 15.50% as of Jul. 06, 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 BNP Paribas Bank Polska (FRA:82MA) Overvalued in 2026?

Based on GuruFocus' analysis, BNP Paribas Bank Polska stock appears to be overvalued. The current stock price of €33.90 is trading 47.7% above its estimated GF Value™ of €22.95. GuruFocus considers BNP Paribas Bank Polska to be Significantly Overvalued.

Key valuation signals for FRA:82MA:

  • Margin of Safety % (DCF Dividends Based): 15.50%
  • GF Value™: €22.95 vs. price of €33.90 (47.7% above fair value)
  • GF Score™: 76/100 with 3 warning signs

No single metric tells the full story. See the FRA:82MA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

BNP Paribas Bank Polska Business Description

Other Exchanges BNP:Poland
Address Kasprzaka 2, Warsaw, POL, 01-211
BNP Paribas Bank Polska SA is a universal commercial bank offering a wide range of banking services provided to individual and institutional customers in accordance with the scope of services specified in the Bank's Articles of Association. The Bank operates both in Polish zlotys and foreign currencies and actively participates in trading on domestic and foreign financial markets. In addition, through its subsidiaries, the Group conducts brokerage and leasing activities and provides other financial services. Its reportable operating segments include Retail and Business Banking, Small and Medium-Sized Enterprises (SME), Corporate Banking, Corporate and Institutional Banking (CIB), and Other Operations, including ALM Treasury and the Corporate Centre.
76GF Score

Get the complete analysis for FRA:82MA

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€33.90
Price
€22.95
GF Value