Investment Friends SE (WAR:IFR) GF Value Rank: 2 (As of Jul. 30, 2026) — Near Median

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.
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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.

WAR:IFR Investment Friends SE WAR:IFR
31 GF Score
Price zł0.11
GF Value zł0.49
Valuation Possible Value Trap
! 3 Warning Signs
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What is Investment Friends SE GF Value Rank?

Investment Friends SE WAR:IFR -5.04% 31 GF Value Rank is 2 as of Jul. 30, 2026, which is at its 10-year median of 2.00. GuruFocus rates WAR:IFR with a GF Score™ of 31/100 and a GF Value™ of zł0.49 (Possible Value Trap). The stock has 3 warning signs investors should review.

Investment Friends SE has the GF Value Rank of 2.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

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


Investment Friends SE GF Value Rank Related Terms


WAR:IFR vs V, MA, AXP: GF Value Rank Comparison

For the Credit Services subindustry, Investment Friends SE's GF Value Rank, along with its competitors' market caps and GF Value Rank 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.


Investment Friends SE GF Value Rank vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Investment Friends SE's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Investment Friends SE's GF Value Rank falls into.


WAR:IFR
31GF Score
Investment Friends SE WAR:IFR
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 2 mean?
Investment Friends SE (WAR:IFR) has a GF Value Rank of 2 as of Jul. 30, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Investment Friends SE and its competitors. This is near median its historical median of 2.00. Over the past decade, Investment Friends SE's GF Value Rank has ranged from 1.00 to 10.00.
Is Investment Friends SE's GF Value Rank too high?
Investment Friends SE's current GF Value Rank of 2 is near median its 10-year median of 2.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. Overall, Investment Friends SE has a GF Score™ of 31/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Investment Friends SE's GF Value Rank compare to V and MA?
Investment Friends SE's GF Value Rank of 2 can be compared against companies in the Credit Services industry. Historically, Investment Friends SE's own GF Value Rank has ranged from 1.00 to 10.00 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 Value Rank for a Credit Services company?
A good GF Value Rank depends on the Credit Services industry context. However, GF Value Rank 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 Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Investment Friends SE and its competitors. Investment Friends SE's current GF Value Rank is 2, which is near median its own 10-year median of 2.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Investment Friends SE stock overvalued right now?
Based on GuruFocus' analysis, Investment Friends SE (WAR:IFR) is currently considered Possible Value Trap. The stock's GF Value™ is zł0.49, compared to a current price of zł0.11 — trading 76.9% below its estimated fair value. The current GF Value Rank is 2, which is near median its 10-year median of 2.00. Investment Friends SE's overall GF Score™ is 31/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For Investment Friends SE (WAR:IFR), the current GF Value Rank is 2 as of Jul. 30, 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 Investment Friends SE (WAR:IFR) Overvalued in 2026?

Based on GuruFocus' analysis, Investment Friends SE stock appears to be undervalued. The current stock price of zł0.11 is trading 76.9% below its estimated GF Value™ of zł0.49. GuruFocus considers Investment Friends SE to be Possible Value Trap.

Key valuation signals for WAR:IFR:

  • GF Value Rank: 2 (near median its 10-year median of 2.00)
  • GF Value™: zł0.49 vs. price of zł0.11 (76.9% below fair value)
  • GF Score™: 31/100 with 3 warning signs

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


Investment Friends SE Business Description

Address Tornimae Street 5, Harju Maakond, Kesklinna Linnaosa, Tallinn, EST, 10145
Investment Friends SE provides financial services, mainly granting loans and generating revenue from interest on loans granted. The company derives the majority of its revenue from customers in Estonia, with the remainder from Poland. Loans granted to related parties were subsequently invested by those entities in real estate and tradeable securities.
31GF Score

Get the complete analysis for WAR:IFR

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

zł0.11
Price
zł0.49
GF Value