Monalisa (012690) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Monalisa stock KRW 734, price KRW 1,316, that is 44.2% below the price, quality 55 out of 100. Rating: strongly overvalued. Calculated from audited financials with 14 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.
How to read this chart
60‑month range 1,300 KRW – 5,129 KRW · fair‑value band 484.68 KRW – 917.96 KRW · the 1,316 KRW price screens above the 734.37 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 2026.
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Monalisa Co., Ltd engages in the production and sale of hygiene products in South Korea.
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It offers sanitary tissue, bathroom tissue, facial tissue, wet tissue, and kitchen towel products, as well as wet wipes, adult diapers, baby diapers, masks, napkins, jumbo rolls, and paper towels under the Bellagio, The Rich House, and Nox Premium brand names.
The company was founded in 1977 and is headquartered in Seoul, South Korea. As of November 7, 2024, Monalisa Co., Ltd operates as a subsidiary of Arch Peninsula SDN.BHD..
Stock analysis
Monalisa (012690) currently trades at 1,316 KRW, while our model-based Fair Value estimate is 734.37 KRW, 44% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of 901.35 KRW per share, and 3 of the 14 models we run sit above the 1,316 KRW price.
Bear case: the Earnings-Based group reads lowest at 294.78 KRW, and 11 of the 14 models stay below the price. Data coverage for this calculation is low.
Scenario range: 484.68 KRW (bear) to 917.96 KRW (bull), the price of 1,316 KRW sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 55/100 (solid quality), in the Consumer Defensive sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
Monalisa reported revenue of 124B KRW in FY2025 versus 106B KRW in FY2021, a compound +3.9%/yr. Reported net income was 1.5B KRW in FY2025, compounding −17.7%/yr from FY2021.
Key figures
Market cap 48.1B KRW (≈ $35.6M) Micro · P/S ratio 0.45 · EPS (TTM) −23.57 KRW · Dividend yield 3.8% · Net margin −0.8% · Return on equity −1.3% · Return on assets (EBIT) 2.9% (5-year average) · Operating margin −4.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 23 out of 100 (medium confidence).
What moves the price
The share trades about 47% below its 52-week high and 1% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Defensive peers we cover trades at −26% fair-value upside, at −44%, 012690 screens richer than that median.
Fair Value models
Bear484.68 KRWFair Value 734.37 KRWBull917.96 KRW
Price 1,316 KRW · Downside -44.2%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.21/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
−1.8%
Revenue growth 3 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
+0.9%
Revenue growth 5 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
+1.1%
Start year 2020 (pandemic). Over 10 years: −0.1% a year
Revenue growth 12 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
−0.1%
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What shareholders gained per year (last 5 years), in KRW ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in KRW: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
−10.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year−14.5%
Dividend (yield on the price)3.8%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−14.5% vs −12.1%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.8% → 0%
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Household & Personal Products · 230 stocks
Beats the industry median on 3/11 measures
Overall it trails its industry peers.
Valuation
Quality Score55 · Below median
Fair Value upside−44.2% · Bottom 25%
Profitability
Return on assets1.5% · Below median
Net margin (12 months)1.2% · Below median
Operating margin (12 months)−4.1% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)−6.9% · Bottom 25%
Dividend yield (12 months)3.8% · Above median
Balance sheet
Debt / equity0.06× · Above median
Valuation Multiplesvs Household & Personal Products median · lower = cheaper
P/B0.55× · Cheapest 25%
P/S (12 months)0.44× · Cheapest 25%
EV/EBITDA18.4× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 36
FUTURE (revenue growth)0· sector 20
PAST (return on equity)0· sector 31
HEALTH (low debt)97· sector 98
DIVIDEND (yield)76· sector 53
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Monalisa Fair Value". https://www.fairvalue-calculator.com/stock/012690
Frequently asked questions
Is Monalisa (012690) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of 734.37 KRW versus a price of 1,316 KRW, about 44% lower (overvalued).
What is the fair value of 012690?
Our model-based fair value for Monalisa is 734.37 KRW (as of Nov 3, 2026), built from audited fundamentals. The current price: 1,316 KRW.
What is the quality score of 012690?
Monalisa has a Quality Score of 55/100. 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 price target for Monalisa (012690)?
Our model-based price target is the fair value of 734.37 KRW (as of Nov 3, 2026) from 14 valuation models. Cautious scenario 484.68 KRW, optimistic scenario 917.96 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the Monalisa stock forecast for 2026?
Our models put fair value at 734.37 KRW, about 44% lower versus a price of 1,316 KRW (overvalued). Cautious scenario 484.68 KRW, optimistic scenario 917.96 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of Monalisa (012690)?
Monalisa reported trailing-twelve-month revenue of about 109B KRW (latest available figure, as of Nov 3, 2026).
Does Monalisa pay a dividend?
Monalisa currently shows a dividend yield of 3.80% relative to its recent price (as of Nov 3, 2026).
How much is the dividend of Monalisa (012690) and when is the ex-dividend date?
Monalisa pays a dividend of 50.00 KRW per share a year, a dividend yield of 3.8%. The last ex-dividend date was Mar 19, 2026. The payout ratio is 122% of earnings. Our assessment: Pays more than it earns. The company pays out more in dividends than it earns, and free cash flow clearly does not cover the dividend either. It may need to be cut unless profits recover.
What is the intrinsic value of Monalisa (012690)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Monalisa it is 734.37 KRW per share (as of Nov 3, 2026), against a price of 1,316 KRW. It is the blended result of 14 valuation models in 6 families (Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit, Growth Earnings).
Is Monalisa stock overvalued or undervalued in 2026?
As of Nov 3, 2026, 012690 trades above its calculated fair value: price 1,316 KRW, fair value 734.37 KRW, a gap of about −44% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 012690?
No. The price is what the market pays today (1,316 KRW); the fair value is what the company's own numbers justify (734.37 KRW). For Monalisa the two are 581.63 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is Monalisa worth?
The market values Monalisa at about 48.1B KRW (market capitalisation, as of Nov 3, 2026). Per share that is 1,316 KRW; our models calculate a fair value of 734.37 KRW per share.
What do the bullish and bearish scenarios say about 012690?
Our models span a range for Monalisa: cautious scenario 484.68 KRW, base 734.37 KRW, optimistic 917.96 KRW per share (as of Nov 3, 2026, price 1,316 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Monalisa (012690)?
Balance-sheet figures for Monalisa (as of Nov 3, 2026): return on equity −1.3%, debt of 0.06 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is 012690 from its 52-week high?
Monalisa trades at 1,316 KRW, about 47% below its 52-week high of 2,465 KRW and 1% above the low of 1,300 KRW (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 734.37 KRW is for.
Which stocks are comparable to Monalisa?
From the same area (Consumer Defensive) we also value Colgate-Palmolive Company, Hindustan Unilever Limited, The Estée Lauder Companies Inc, Henkel AG, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Monalisa stock attractive at the current price?
The data as of Nov 3, 2026: price 1,316 KRW, calculated fair value 734.37 KRW (−44%), Quality Score 55/100, from 14 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 012690 calculated?
We run Monalisa through 14 models from 6 families: Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of 734.37 KRW builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Monalisa itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Monalisa (012690)?
The closing price on Nov 6, 2026 was 1,316 KRW. Our model-based fair value is 734.37 KRW, about 44% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Monalisa right now?
The price sits above even our optimistic bull case (917.96 KRW). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (55/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (484.68 KRW to 917.96 KRW) leaves room in how you read the outcome.
Key figures of Monalisa
How large is the market capitalisation of Monalisa (012690)?
The market capitalisation of Monalisa is 48.1B KRW (≈ $35.6M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Monalisa (012690)?
The price-to-sales ratio of Monalisa is 0.45 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Monalisa (012690)?
Earnings per share at Monalisa are −23.57 KRW. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Monalisa (012690)?
The dividend yield of Monalisa is 3.8%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Monalisa (012690)?
The net margin of Monalisa is −0.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Monalisa (012690)?
The return on equity (ROE) of Monalisa is −1.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Monalisa (012690)?
On an EBIT basis the return on assets of Monalisa is 2.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Monalisa (012690)?
The operating margin of Monalisa is −4.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Monalisa (012690)?
Revenue at Monalisa is growing −6.9% versus a year earlier (3y avg +0.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Monalisa (012690)?
Earnings per share at Monalisa are growing −50.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Monalisa (012690) generate?
The free cash flow of Monalisa is −2.9B KRW (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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Thin data
Nov 3, 2026