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UBIVELOX Inc (089850) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of UBIVELOX Inc stock KRW 11,850, price KRW 3,950, upside +200.0%, quality 36 out of 100. Rating: strongly undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Technology KR · ISIN KR7089850002

UI UBIVELOX Inc logo Thin data Nov 9, 2026

UBIVELOX Inc

089850 · KQ
Cheap, value-trap risk

The stock costs 67% less than our calculation considers fair.

Fair value 11,850 KRW · Strongly undervalued
Low debt
Even on cautious assumptions the value is 113% above the price (8,407 KRW).
Expensive Growth (revenue 5y +18.5 %/yr in KRW)
Quality 36/100
Loss-making · -0.9% net margin (TTM)
Negative free cash flow
Trails peers (4/12)
Narrow moat 18/100
Thin data
⟳ Cyclical
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

11,329 KRW 3,825 KRW Fair Value 11,850 KRW Jun 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.

How to read this chart

60‑month range 3,825 KRW – 11,329 KRW · fair‑value band 8,407 KRW – 15,636 KRW · the 3,950 KRW price screens below the 11,850 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.

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Company profile

UBIVELOX Inc engages in the smart card and mobile convergence businesses worldwide.

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The company offers form-factors, standard payment interface technologies, and special cards, as well as smart card modules and finished cards with contact, contactless, and dual-interface payment interfaces; and payment applications for banking and payment customers.

It also provides device security solutions, including UONE-A l HOME IoT for consumer electronics security; UONE-K l SMART GRID for industrial-level security; and UONE-Q l AUTOMOTIVE for secure wireless charging.

In addition, the company offers USIM cards to MNOs, MVNOs, and Handsets/Devices ODMs, as well as OEMs; and electronic data capture (EDC) terminals.

Further, it provides secure payment solutions comprising USCMS, an advanced smart card management system; UPMS, a data preparation process solution for personalization; UPAS, a personalization authentication system; UTSM, a trusted service manager solution OTA service that provides mobile credit card issuance and mobile payment service; and TSP, a token service provide system.

Additionally, the company offers trusted smart ID solutions, including SMART CAMPUS, SMART LIBRARY, and NATIONAL ID; and Uplanner a money management service that provides personalized financial advisory and accurate comparison to support customers in making better decisions on spending, budget, and financial plan.

Its products are used in financial and public institutions, governments, and education facilities. UBIVELOX Inc was founded in 2000 and is headquartered in Seoul, South Korea.

Stock analysis

UBIVELOX Inc (089850) currently trades at 3,950 KRW, while our model-based Fair Value estimate is 11,850 KRW, implying the stock looks roughly 67% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 25,508 KRW per share, and 6 of the 6 models we run sit above the 3,950 KRW price.

Bear case: the Asset-Based group reads lowest at 5,303 KRW, and 0 of the 6 models stay below the price. Data coverage for this calculation is low.

Scenario range: 8,407 KRW (bear) to 15,636 KRW (bull), the price of 3,950 KRW sits below 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 36/100 (below-average quality), in the Technology sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

UBIVELOX Inc reported revenue of 668B KRW in FY2025 versus 323B KRW in FY2021, a compound +19.9%/yr. Reported net income was −7.2B KRW in FY2025.

Key figures

Market cap 58.2B KRW (≈ $43.0M) Micro · P/S ratio 0.09 · EPS (TTM) −403.92 KRW · Dividend yield 0.9% · Net margin −0.9% · Return on equity −7.7% · Return on assets (EBIT) 5.1% (5-year average) · Operating margin −1.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 18 out of 100 (medium confidence).

What moves the price

The share trades about 33% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Technology peers we cover trades at −7% fair-value upside, at 200%, 089850 screens cheaper than that median.

Fair Value models

Bear 8,407 KRW Fair Value 11,850 KRW Bull 15,636 KRW
Price 3,950 KRW · Upside +200.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
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.
Best data coverage
EPV 13,429 KRW 15,260 KRW 16,868 KRW 74
ROIC Compounder 15,948 KRW 22,480 KRW 29,662 KRW 71
EV/EBITDA 20,928 KRW 31,074 KRW 41,220 KRW 66
All 6 models by family
Earnings-Based
EPV 13,429 KRW 15,260 KRW 16,868 KRW 74
Multiples
EV/EBIT 16,753 KRW 25,508 KRW 34,262 KRW 65
EV/EBITDA 20,928 KRW 31,074 KRW 41,220 KRW 66
EV/Revenue 3,768 KRW 9,458 KRW 15,149 KRW 50
Asset-Based
NCAV (Graham) 3,957 KRW 5,303 KRW 7,914 KRW 54
Economic Profit
ROIC Compounder 15,948 KRW 22,480 KRW 29,662 KRW 71

Open the full fair value analysis →

Quality Score breakdown

Overall quality 36/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 35
How much profit the company makes from its sales and capital
Quality Growth 39
Are margins and returns getting better?
Cashflow 34
Do the profits arrive as real cash?
Financial strength 27
Debt, balance sheet and risk of trouble
Investment 69
Does it invest with discipline instead of growing at any price?
Low Volatility 81
How calm the share price moves, does not count
Price momentum 16
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 3
Distance to the 52-week high, does not count
New shares 34
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

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. 44/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+10.0%
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.
+14.1%
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.
+18.5%
Start year 2020 (pandemic). Over 10 years: +23.4% a year
Revenue growth 14 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.
+14.8%
Profit margin (trend) ⓘ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.
2.2% (2019) → 3.9% (2024)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

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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.Semiconductors · 369 stocks

Beats the industry median on 4/11 measures
Overall it trails its industry peers.
Valuation
Quality Score 36 · Bottom 25%
Fair Value upside +200.0% · Top 25%
Profitability
Return on assets −1.3% · Below median
Net margin (12 months) −0.9% · Below median
Operating margin (12 months) −1.1% · Below median
Growth and dividend
Revenue growth (quarter YoY) −0.7% · Bottom 25%
Dividend yield (12 months) 0.9% · Below median
Balance sheet
Debt / equity 0.15× · Above median

Valuation Multiplesvs Semiconductors median · lower = cheaper

P/B 0.44× · Cheapest 25%
P/S (12 months) 0.09× · Cheapest 25%
EV/EBITDA 1.3× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 0
FUTURE (revenue growth)0 · sector 100
PAST (return on equity)0 · sector 28
HEALTH (low debt)93 · sector 96
DIVIDEND (yield)18 · sector 21

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Semiconductors stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
SK hynix Inc 000660 1,132,000 KRW 1,501,896 KRW +33% vs 089850
Taiwan Semiconductor Manufacturing Company TSM $375.44 $412.98 +10% vs 089850
NVIDIA Corporation NVDA $186.64 $198.56 +6% vs 089850
Broadcom Inc AVGO $293.69 $300.84 +2% vs 089850
Intel Corporation INTC $56.28 $52.14 −7% vs 089850
Micron Technology, Inc MU $690.00 $619.48 −10% vs 089850
Analog Devices, Inc ADI $363.56 $262.04 −28% vs 089850
Marvell Technology, Inc MRVL $141.20 $87.64 −38% vs 089850
Advanced Micro Devices, Inc AMD $449.04 $148.02 −67% vs 089850
Texas Instruments Incorporated TXN $277.36 $81.25 −71% vs 089850

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UBIVELOX Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "UBIVELOX Inc Fair Value". https://www.fairvalue-calculator.com/stock/089850

Frequently asked questions

Is UBIVELOX Inc (089850) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of 11,850 KRW versus a price of 3,950 KRW, about +200% upside (undervalued).
What is the fair value of 089850?
Our model-based fair value for UBIVELOX Inc is 11,850 KRW (as of Nov 9, 2026), built from audited fundamentals. The current price: 3,950 KRW.
What is the quality score of 089850?
UBIVELOX Inc has a Quality Score of 36/100. 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 UBIVELOX Inc (089850)?
Our model-based price target is the fair value of 11,850 KRW (as of Nov 9, 2026) from 6 valuation models. Cautious scenario 8,407 KRW, optimistic scenario 15,636 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the UBIVELOX Inc stock forecast for 2026?
Our models put fair value at 11,850 KRW, about +200% upside versus a price of 3,950 KRW (undervalued). Cautious scenario 8,407 KRW, optimistic scenario 15,636 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of UBIVELOX Inc (089850)?
UBIVELOX Inc reported trailing-twelve-month revenue of about 646B KRW (latest available figure, as of Nov 9, 2026).
Does UBIVELOX Inc pay a dividend?
UBIVELOX Inc currently shows a dividend yield of 0.91% relative to its recent price (as of Nov 9, 2026).
How much is the dividend of UBIVELOX Inc (089850)?
UBIVELOX Inc has a dividend yield of 0.9%.
What is the intrinsic value of UBIVELOX Inc (089850)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For UBIVELOX Inc it is 11,850 KRW per share (as of Nov 9, 2026), against a price of 3,950 KRW. It is the blended result of 6 valuation models in 4 families (Earnings-Based, Multiples, Asset-Based, Economic Profit).
Is UBIVELOX Inc stock overvalued or undervalued in 2026?
As of Nov 9, 2026, 089850 trades below its calculated fair value: price 3,950 KRW, fair value 11,850 KRW, a gap of about +200% (undervalued). 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 089850?
No. The price is what the market pays today (3,950 KRW); the fair value is what the company's own numbers justify (11,850 KRW). For UBIVELOX Inc the two are 7,900 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is UBIVELOX Inc worth?
The market values UBIVELOX Inc at about 58.2B KRW (market capitalisation, as of Nov 9, 2026). Per share that is 3,950 KRW; our models calculate a fair value of 11,850 KRW per share.
What do the bullish and bearish scenarios say about 089850?
Our models span a range for UBIVELOX Inc: cautious scenario 8,407 KRW, base 11,850 KRW, optimistic 15,636 KRW per share (as of Nov 9, 2026, price 3,950 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of UBIVELOX Inc (089850)?
Balance-sheet figures for UBIVELOX Inc (as of Nov 9, 2026): return on equity −7.7%, debt of 0.15 per unit of equity. They feed the Quality Score of 36/100, which measures business quality independently of the share price.
How far is 089850 from its 52-week high?
UBIVELOX Inc trades at 3,950 KRW, about 33% below its 52-week high of 5,880 KRW and 3% above the low of 3,825 KRW (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 11,850 KRW is for.
Which stocks are comparable to UBIVELOX Inc?
From the same area (Technology) we also value NVIDIA Corporation, Taiwan Semiconductor Manufacturing Company, Broadcom Inc, Micron Technology, Inc, 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 UBIVELOX Inc stock attractive at the current price?
The data as of Nov 9, 2026: price 3,950 KRW, calculated fair value 11,850 KRW (+200%), Quality Score 36/100, from 6 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 089850 calculated?
We run UBIVELOX Inc through 6 models from 4 families: Earnings-Based, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 11,850 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. UBIVELOX Inc currently trades 67% below its own fair value, and the market average says nothing about that. 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 UBIVELOX Inc (089850)?
The closing price on Nov 6, 2026 was 3,950 KRW. Our model-based fair value is 11,850 KRW, about +200% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with UBIVELOX Inc right now?
The large discount to fair value meets weak quality (36/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (8,407 KRW). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range (8,407 KRW to 15,636 KRW) leaves room in how you read the outcome.

Key figures of UBIVELOX Inc

How large is the market capitalisation of UBIVELOX Inc (089850)?
The market capitalisation of UBIVELOX Inc is 58.2B KRW (≈ $43.0M). 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 UBIVELOX Inc (089850)?
The price-to-sales ratio of UBIVELOX Inc is 0.09 (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 UBIVELOX Inc (089850)?
Earnings per share at UBIVELOX Inc are −403.92 KRW. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of UBIVELOX Inc (089850)?
The dividend yield of UBIVELOX Inc is 0.9%. 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 UBIVELOX Inc (089850)?
The net margin of UBIVELOX Inc is −0.9% (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 UBIVELOX Inc (089850)?
The return on equity (ROE) of UBIVELOX Inc is −7.7% (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 UBIVELOX Inc (089850)?
On an EBIT basis the return on assets of UBIVELOX Inc is 5.1% (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 UBIVELOX Inc (089850)?
The operating margin of UBIVELOX Inc is −1.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at UBIVELOX Inc (089850)?
Revenue at UBIVELOX Inc is growing −0.7% versus a year earlier (3y avg +14.1%). 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 UBIVELOX Inc (089850)?
Earnings per share at UBIVELOX Inc are growing +6.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does UBIVELOX Inc (089850) generate?
The free cash flow of UBIVELOX Inc is −44.8B KRW (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does UBIVELOX Inc (089850) carry?
The net debt of UBIVELOX Inc is 140B KRW (fiscal year 2025). 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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