CHUNGDAHM Learning Inc (096240) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of CHUNGDAHM Learning Inc stock KRW 13,318, price KRW 8,390, upside +58.7%, quality 63 out of 100. Rating: strongly undervalued. Calculated from audited financials with 25 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 8,010 KRW – 24,263 KRW · fair‑value band 9,989 KRW – 16,682 KRW · the 8,390 KRW price screens below the 13,318 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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Creverse, Inc. engages in the education business in South Korea and internationally. It provides kindergarten and adult learning content services, as well as operates learning assessment centers.
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The company was formerly known as CHUNGDAHM Learning, Inc. and changed its name to Creverse, Inc. in March 2022. Creverse, Inc. was founded in 1998 and is based in Seoul, South Korea.
Stock analysis
CHUNGDAHM Learning Inc (096240) currently trades at 8,390 KRW, while our model-based Fair Value estimate is 13,318 KRW, implying the stock looks roughly 37% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 18,287 KRW per share, and 17 of the 25 models we run sit above the 8,390 KRW price.
Bear case: the Earnings-Based group reads lowest at 3,369 KRW, and 8 of the 25 models stay below the price. Data coverage for this calculation is medium.
Scenario range: 9,989 KRW (bear) to 16,682 KRW (bull), the price of 8,390 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 63/100 (solid quality), in the Academic & Educational Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
CHUNGDAHM Learning Inc reported revenue of 221B KRW in FY2025 versus 211B KRW in FY2021, a compound +1.2%/yr. Reported net income was 6.6B KRW in FY2025, compounding −19.7%/yr from FY2021.
Key figures
Market cap 70.8B KRW (≈ $51.9M) Micro · P/S ratio 0.31 · Dividend yield 6.3% · Net margin 2.1% · Return on equity 1,747% · Return on assets (EBIT) 8.0% (5-year average) · Operating margin 10.9% · Revenue (TTM) 224B KRW.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 41 out of 100 (low confidence).
What moves the price
The share trades about 30% below its 52-week high and 5% above its 52-week low, currently below its 200-day average.
For context, the median of 6 Academic & Educational Services peers we cover trades at 170% fair-value upside, at 59%, 096240 screens richer than that median.
Fair Value models
Bear9,989 KRWFair Value 13,318 KRWBull16,682 KRW
Price 8,390 KRW · Upside +58.7%
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.61/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−3.2%
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.
−1.0%
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.
+4.2%
Start year 2020 (pandemic). Over 10 years: +5.0% a year
Revenue growth 15 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.
+5.0%
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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.
−1.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year−7.8%
Dividend (yield on the price)6.3%
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.9% → 1%
Growth Forecast
Little optimism in the price
The price assumes less growth than 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).
−10.0%
The company could shrink this much every year for the next five years and today's price would still be justified.
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 −11.8% 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 sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Miscellaneous Educational Service Providers” was too small, so the broader sector is used.)Consumer Discretionary · 3518 stocks
Beats the sector median on 10/12 measures
Overall it ranks above its sector peers.
Valuation
Quality Score63 · Top 25%
Fair Value upside+58.7% · Top 25%
Profitability
Return on assets3.7% · Above median
Net margin (12 months)2.1% · Below median
Operating margin (12 months)10.9% · Above median
Growth and dividend
Revenue growth (quarter YoY)5.2% · Above median
Dividend yield (12 months)6.3% · Top 25%
Balance sheet
Debt / equity0.00× · Lowest 25%
Valuation Multiplesvs Consumer Discretionary median · lower = cheaper
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Is CHUNGDAHM Learning Inc (096240) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of 13,318 KRW versus a price of 8,390 KRW, about +59% upside (undervalued).
What is the fair value of 096240?
Our model-based fair value for CHUNGDAHM Learning Inc is 13,318 KRW (as of Nov 3, 2026), built from audited fundamentals. The current price: 8,390 KRW.
What is the quality score of 096240?
CHUNGDAHM Learning Inc has a Quality Score of 63/100. 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 CHUNGDAHM Learning Inc (096240)?
Our model-based price target is the fair value of 13,318 KRW (as of Nov 3, 2026) from 25 valuation models. Cautious scenario 9,989 KRW, optimistic scenario 16,682 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the CHUNGDAHM Learning Inc stock forecast for 2026?
Our models put fair value at 13,318 KRW, about +59% upside versus a price of 8,390 KRW (undervalued). Cautious scenario 9,989 KRW, optimistic scenario 16,682 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of CHUNGDAHM Learning Inc (096240)?
CHUNGDAHM Learning Inc reported trailing-twelve-month revenue of about 224B KRW (latest available figure, as of Nov 3, 2026).
Does CHUNGDAHM Learning Inc pay a dividend?
CHUNGDAHM Learning Inc currently shows a dividend yield of 6.27% relative to its recent price (as of Nov 3, 2026).
How much is the dividend of CHUNGDAHM Learning Inc (096240)?
CHUNGDAHM Learning Inc has a dividend yield of 6.3%. A dividend has been paid every year since at least 2008. Our assessment: Safety not assessed. Payout ratio and cash coverage are not available, so we do not judge how safe this dividend is.
What growth is priced into CHUNGDAHM Learning Inc (096240)?
For today's price to be fair in a discounted-cash-flow model, CHUNGDAHM Learning Inc would have to grow free cash flow by -10.0 % per year for five years (discount rate 12.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +4.2 % per year. As of Nov 3, 2026.
What discount rate (WACC) does the fair value of 096240 use?
Our models discount CHUNGDAHM Learning Inc at 12.2 %: a base by market capitalisation (micro), damped by beta 0.70, 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 CHUNGDAHM Learning Inc that is -10.0 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (12.2 %) and the same formula as our fair value.
How much growth has CHUNGDAHM Learning Inc (096240) delivered so far?
Over the past 5 years revenue at CHUNGDAHM Learning Inc grew +4.2 % a year. The price currently implies free-cash-flow growth of -10.0 % 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 CHUNGDAHM Learning Inc (096240) growing?
The median revenue growth in the sector is +4.7 % a year. That is the yardstick for the growth priced into CHUNGDAHM Learning Inc (-10.0 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of CHUNGDAHM Learning Inc (096240)?
The free-cash-flow yield on the price is 20.94 %: that much free cash flow CHUNGDAHM Learning Inc produces per unit of market value. When it exceeds the discount rate of our models (12.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of CHUNGDAHM Learning Inc (096240)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For CHUNGDAHM Learning Inc it is 13,318 KRW per share (as of Nov 3, 2026), against a price of 8,390 KRW. It is the blended result of 25 valuation models in 8 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings).
Is CHUNGDAHM Learning Inc stock overvalued or undervalued in 2026?
As of Nov 3, 2026, 096240 trades below its calculated fair value: price 8,390 KRW, fair value 13,318 KRW, a gap of about +59% (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 096240?
No. The price is what the market pays today (8,390 KRW); the fair value is what the company's own numbers justify (13,318 KRW). For CHUNGDAHM Learning Inc the two are 4,928 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is CHUNGDAHM Learning Inc worth?
The market values CHUNGDAHM Learning Inc at about 70.8B KRW (market capitalisation, as of Nov 3, 2026). Per share that is 8,390 KRW; our models calculate a fair value of 13,318 KRW per share.
What do the bullish and bearish scenarios say about 096240?
Our models span a range for CHUNGDAHM Learning Inc: cautious scenario 9,989 KRW, base 13,318 KRW, optimistic 16,682 KRW per share (as of Nov 3, 2026, price 8,390 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of CHUNGDAHM Learning Inc (096240)?
Balance-sheet figures for CHUNGDAHM Learning Inc (as of Nov 3, 2026): debt of 0.00 per unit of equity. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is 096240 from its 52-week high?
CHUNGDAHM Learning Inc trades at 8,390 KRW, about 30% below its 52-week high of 11,925 KRW and 5% above the low of 8,010 KRW (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 13,318 KRW is for.
Which stocks are comparable to CHUNGDAHM Learning Inc?
From the same area (Academic & Educational Services) we also value MegaStudy Co, YBM Net, Inc, FEU, IPO, 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 CHUNGDAHM Learning Inc stock attractive at the current price?
The data as of Nov 3, 2026: price 8,390 KRW, calculated fair value 13,318 KRW (+59%), Quality Score 63/100, from 25 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 096240 calculated?
We run CHUNGDAHM Learning Inc through 25 models from 8 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of 13,318 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 13.0% above its aggregate fair value. CHUNGDAHM Learning Inc currently trades 37% 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 CHUNGDAHM Learning Inc (096240)?
The closing price on Nov 6, 2026 was 8,390 KRW. Our model-based fair value is 13,318 KRW, about +59% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with CHUNGDAHM Learning Inc right now?
The price is below even our cautious bear case (9,989 KRW). The market is more pessimistic than our downside scenario. Solid quality (63/100) at a price below fair value, the discount is the argument here, not the business quality.
Key figures of CHUNGDAHM Learning Inc
How large is the market capitalisation of CHUNGDAHM Learning Inc (096240)?
The market capitalisation of CHUNGDAHM Learning Inc is 70.8B KRW (≈ $51.9M). 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 CHUNGDAHM Learning Inc (096240)?
The price-to-sales ratio of CHUNGDAHM Learning Inc is 0.31 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the dividend yield of CHUNGDAHM Learning Inc (096240)?
The dividend yield of CHUNGDAHM Learning Inc is 6.3%. 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 CHUNGDAHM Learning Inc (096240)?
The net margin of CHUNGDAHM Learning Inc is 2.1% (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 CHUNGDAHM Learning Inc (096240)?
The return on equity (ROE) of CHUNGDAHM Learning Inc is 1,747% (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 CHUNGDAHM Learning Inc (096240)?
On an EBIT basis the return on assets of CHUNGDAHM Learning Inc is 8.0% (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 CHUNGDAHM Learning Inc (096240)?
The operating margin of CHUNGDAHM Learning Inc is 10.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at CHUNGDAHM Learning Inc (096240)?
Revenue at CHUNGDAHM Learning Inc is growing +5.2% versus a year earlier (3y avg −1.0%). 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 CHUNGDAHM Learning Inc (096240)?
Earnings per share at CHUNGDAHM Learning Inc are growing −47.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does CHUNGDAHM Learning Inc (096240) carry?
The net debt of CHUNGDAHM Learning Inc is 23.1B KRW (fiscal year 2025, ≈ 1.6 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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Some data
Nov 3, 2026