FnGuide Inc. (064850) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of FnGuide Inc. stock KRW 11,493, price KRW 12,390, that is 7.2% below the price, quality 84 out of 100. Rating: fairly valued. Calculated from audited financials with 13 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 8, 2026.
How to read this chart
60‑month range 5,008 KRW – 35,977 KRW · fair‑value band 8,163 KRW – 15,671 KRW · the 12,390 KRW price screens above the 11,493 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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FnGuide Inc. engages in development and provision of programs related to securities investment information and financial information.
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The company offers WiseReport, which allows access to reports of all security firms, and real-time and global research reports; Retamin, a mobile application that provides various reports published by research institutions, such as research centers of securities firms, as well as basic corporate information and real-time public disclosures; Data Feed / ASP / API, which provides data spanning all areas of the capital market; DataGuide, a MS-Excel-based data look-up and analysis software; and QuantiWise, an investment analysis program for in-depth data and market information.
It also provides index services; fund rating; institutional investor consultancy; fund data; and integrated research system services, as well as Mydata service, a customized investment insight service that combines corporate financial data, economy data, and Mydata.
The company was founded in 2000 and is headquartered in Seoul, South Korea.
Stock analysis
FnGuide Inc. (064850) currently trades at 12,390 KRW, while our model-based Fair Value estimate is 11,493 KRW, so the stock looks roughly fairly valued today (gap 7.8%).
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Valuation
Bull case: the Earnings-Based group reads highest at a median of 19,707 KRW per share, and 2 of the 13 models we run sit above the 12,390 KRW price.
Bear case: the Dividend Discount group reads lowest at 2,029 KRW, and 11 of the 13 models stay below the price. Data coverage for this calculation is high.
Scenario range: 8,163 KRW (bear) to 15,671 KRW (bull), the price of 12,390 KRW sits inside 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 84/100 (high quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
FnGuide Inc. reported revenue of 35.4B KRW in FY2025 versus 25.5B KRW in FY2021, a compound +8.5%/yr. Reported net income was 9.9B KRW in FY2025, compounding +16.0%/yr from FY2021.
Key figures
Market cap 141B KRW (≈ $105M) Micro · P/E ratio 10.4 · P/S ratio 3.19 · EPS (TTM) 1,412 KRW · Dividend yield 2.1% · Net margin 36.3% · Return on equity 22.9% · Return on assets (EBIT) 7.6% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 84 out of 100 (low confidence).
What moves the price
The share trades about 62% below its 52-week high and 56% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −34% fair-value upside, at −7%, 064850 screens cheaper than that median.
Fair Value models
Bear8,163 KRWFair Value 11,493 KRWBull15,671 KRW
Price 12,390 KRW · Downside -7.2%
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. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (988.08 KRW per share) are deliberately not added.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.93/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+12.0%
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.
+7.6%
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.
+10.9%
Start year 2020 (pandemic)
Revenue growth 8 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.
+17.3%
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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.
+18.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+16.8%
Dividend (yield on the price)2.1%
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.20% → 30%
Growth Forecast
Price in line with expectations
The price assumes about as much growth as the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+12.7%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (South Korea: IMF forecast 2.1% a year to 2030, 2.1% from 2016 to 2025) that is about +10.4% a year for the price.
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.Financial Data & Stock Exchanges · 48 stocks
Beats the industry median on 13/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score84 · Top 25%
Fair Value upside−7.2% · Above median
Profitability
Return on equity (12 months)22.9% · Above median
Return on assets11.2% · Above median
Net margin (12 months)36.3% · Above median
Operating margin (12 months)52.7% · Above median
Growth and dividend
Revenue growth (quarter YoY)96.3% · Top 25%
Dividend yield (12 months)2.1% · Above median
Valuation Multiplesvs Financial Data & Stock Exchanges median · lower = cheaper
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). "FnGuide Inc. Fair Value". https://www.fairvalue-calculator.com/stock/064850
Frequently asked questions
Is FnGuide Inc. (064850) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of 11,493 KRW versus a price of 12,390 KRW, about 7% lower (fairly valued).
What is the fair value of 064850?
Our model-based fair value for FnGuide Inc. is 11,493 KRW (as of Nov 8, 2026), built from audited fundamentals. The current price: 12,390 KRW.
What is the quality score of 064850?
FnGuide Inc. has a Quality Score of 84/100. 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 FnGuide Inc. (064850)?
Our model-based price target is the fair value of 11,493 KRW (as of Nov 8, 2026) from 13 valuation models. Cautious scenario 8,163 KRW, optimistic scenario 15,671 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the FnGuide Inc. stock forecast for 2026?
Our models put fair value at 11,493 KRW, about 7% lower versus a price of 12,390 KRW (fairly valued). Cautious scenario 8,163 KRW, optimistic scenario 15,671 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of FnGuide Inc. (064850)?
FnGuide Inc. reported trailing-twelve-month revenue of about 44.3B KRW (latest available figure, as of Nov 8, 2026).
Does FnGuide Inc. pay a dividend?
FnGuide Inc. currently shows a dividend yield of 2.10% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of FnGuide Inc. (064850) and when is the ex-dividend date?
FnGuide Inc. pays a dividend of 260.00 KRW per share a year, a dividend yield of 2.1%. The last ex-dividend date was Mar 30, 2026. A dividend has been paid every year since at least 2020. The payout ratio is 18.4% of earnings. Free cash flow covers the dividend 3.46 times. Our assessment: Well covered. A low payout and the dividend is fully funded by free cash flow, a comfortable, sustainable dividend.
What growth is priced into FnGuide Inc. (064850)?
For today's price to be fair in a discounted-cash-flow model, FnGuide Inc. would have to grow free cash flow by +12.7 % per year for five years (discount rate 14.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +10.9 % per year. As of Nov 8, 2026.
What discount rate (WACC) does the fair value of 064850 use?
Our models discount FnGuide Inc. at 14.8 %: a base by market capitalisation (micro), damped by beta 1.50, country premium for South Korea. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For FnGuide Inc. that is +12.7 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (14.8 %) and the same formula as our fair value.
How much growth has FnGuide Inc. (064850) delivered so far?
Over the past 5 years revenue at FnGuide Inc. grew +10.9 % a year. The price currently implies free-cash-flow growth of +12.7 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of FnGuide Inc. (064850) growing?
The median revenue growth in the sector is +14.3 % a year. That is the yardstick for the growth priced into FnGuide Inc. (+12.7 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of FnGuide Inc. (064850)?
The free-cash-flow yield on the price is 7.27 %: that much free cash flow FnGuide Inc. produces per unit of market value. When it exceeds the discount rate of our models (14.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of FnGuide Inc. (064850)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For FnGuide Inc. it is 11,493 KRW per share (as of Nov 8, 2026), against a price of 12,390 KRW. It is the blended result of 13 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is FnGuide Inc. stock overvalued or undervalued in 2026?
As of Nov 8, 2026, 064850 trades above its calculated fair value: price 12,390 KRW, fair value 11,493 KRW, a gap of about −7% (fairly valued). 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 064850?
No. The price is what the market pays today (12,390 KRW); the fair value is what the company's own numbers justify (11,493 KRW). For FnGuide Inc. the two are 897.15 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is FnGuide Inc. worth?
The market values FnGuide Inc. at about 141B KRW (market capitalisation, as of Nov 8, 2026). Per share that is 12,390 KRW; our models calculate a fair value of 11,493 KRW per share.
What do the bullish and bearish scenarios say about 064850?
Our models span a range for FnGuide Inc.: cautious scenario 8,163 KRW, base 11,493 KRW, optimistic 15,671 KRW per share (as of Nov 8, 2026, price 12,390 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 064850?
FnGuide Inc. trades at a price-to-earnings ratio of 10.4 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 11,493 KRW is built from several models across several years. Median P/E at fiscal year-end, 6 fiscal years (2020 to 2025), reported earnings: 16.0. Other multiples: P/B 2.1, P/S 3.2, EV/EBITDA 6.4.
How solid is the balance sheet of FnGuide Inc. (064850)?
Balance-sheet figures for FnGuide Inc. (as of Nov 8, 2026): return on equity 22.9%. They feed the Quality Score of 84/100, which measures business quality independently of the share price.
How far is 064850 from its 52-week high?
FnGuide Inc. trades at 12,390 KRW, about 62% below its 52-week high of 32,900 KRW and 56% above the low of 7,967 KRW (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 11,493 KRW is for.
Which stocks are comparable to FnGuide Inc.?
From the same area (Financial Services) we also value S&P Global Inc, CME Group, Intercontinental Exchange, Inc, Moody's Corporation, 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 FnGuide Inc. stock attractive at the current price?
The data as of Nov 8, 2026: price 12,390 KRW, calculated fair value 11,493 KRW (−7%), Quality Score 84/100, from 13 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 064850 calculated?
We run FnGuide Inc. through 13 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of 11,493 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. FnGuide Inc. 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 FnGuide Inc. (064850)?
The closing price on Nov 6, 2026 was 12,390 KRW. Our model-based fair value is 11,493 KRW, about 7% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with FnGuide Inc. right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range (8,163 KRW to 15,671 KRW) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of FnGuide Inc.
How large is the market capitalisation of FnGuide Inc. (064850)?
The market capitalisation of FnGuide Inc. is 141B KRW (≈ $105M). 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 FnGuide Inc. (064850)?
The price-to-sales ratio of FnGuide Inc. is 3.19 (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 FnGuide Inc. (064850)?
Earnings per share at FnGuide Inc. are 1,412 KRW (price ÷ EPS = P/E 10.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of FnGuide Inc. (064850)?
The dividend yield of FnGuide Inc. is 2.1% (payout 18.4%). 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 FnGuide Inc. (064850)?
The net margin of FnGuide Inc. is 36.3% (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 FnGuide Inc. (064850)?
The return on equity (ROE) of FnGuide Inc. is 22.9% (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 FnGuide Inc. (064850)?
On an EBIT basis the return on assets of FnGuide Inc. is 7.6% (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 FnGuide Inc. (064850)?
The operating margin of FnGuide Inc. is 52.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at FnGuide Inc. (064850)?
Revenue at FnGuide Inc. is growing +96.3% versus a year earlier (3y avg +7.6%). 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 FnGuide Inc. (064850)?
Earnings per share at FnGuide Inc. are growing +88.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does FnGuide Inc. (064850) carry?
The net debt of FnGuide Inc. is 10.1B KRW (fiscal year 2024, ≈ 1.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 8, 2026