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Posbank Co.,Ltd (105760) fair value: what the stock is really worth

As of Nov 9, 2026: fair value (intrinsic value) of Posbank Co.,Ltd stock KRW 8,165, price KRW 4,545, upside +79.6%, quality 45 out of 100. Rating: strongly undervalued. Calculated from audited financials with 12 of our 26 valuation models and 37 quality factors, updated daily.

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Technology KR

PC Posbank Co.,Ltd logo Some data Nov 4, 2026

Posbank Co.,Ltd

105760 · KQ
Cheap, value-trap risk

The stock costs 44% less than our calculation considers fair.

Fair value 8,165 KRW · Strongly undervalued
Solidly profitable · 10.7% net margin (TTM)
Low debt
Ranks above peers (11/12)
Costs just 3.9 times its yearly profit.
Quality 45/100
Some data
Weak Growth (revenue 3y +0.0 %/yr in KRW)
Negative free cash flow
Narrow moat 43/100
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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

28,000 KRW 3,355 KRW Fair Value 8,165 KRW Jan 2024 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.

How to read this chart

33‑month range 3,355 KRW – 28,000 KRW · fair‑value band 5,716 KRW – 10,615 KRW · the 4,545 KRW price screens below the 8,165 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.

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Company profile

Posbank Co.,Ltd. manufactures and sells POS terminals and peripherals in South Korea. The company offers hardware products, such as POS terminals, printers, touchscreen monitors, and peripherals for the retail, restaurant, and hospitality industries.

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It also provides embedded boards, including computer-on-module and multi-I/O expansion boards, embedded single-board computers, and industrial motherboards; embedded systems; all-in-one touch computers and monitors; and customized design services, as well as OEM / ODM POS and kiosk solutions for various environments such as restaurants, cafes, franchises, hotels, department stores, and shopping malls; and software development services.

The company is headquartered in Seoul, South Korea.

Stock analysis

Posbank Co.,Ltd (105760) currently trades at 4,545 KRW, while our model-based Fair Value estimate is 8,165 KRW, implying the stock looks roughly 44% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 9,180 KRW per share, and 10 of the 12 models we run sit above the 4,545 KRW price.

Bear case: the Earnings-Based group reads lowest at 4,492 KRW, and 2 of the 12 models stay below the price. Data coverage for this calculation is medium.

Scenario range: 5,716 KRW (bear) to 10,615 KRW (bull), the price of 4,545 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 45/100 (below-average quality), in the Technology sector.

Weak Growth: Revenue growth is weak: less than 2 % a year.

Posbank Co.,Ltd reported revenue of 91.4B KRW in FY2025 versus 91.5B KRW in FY2021, a compound 0.0%/yr. Reported net income was 3.8B KRW in FY2025, compounding −18.6%/yr from FY2021.

Key figures

Market cap 44.2B KRW (≈ $32.7M) Micro · P/E ratio 3.9 · P/S ratio 0.41 · EPS (TTM) 1,184 KRW · Net margin 10.7% · Return on equity 14.1% · Return on assets (EBIT) 11.4% (5-year average) · Operating margin 17.3%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 43 out of 100 (medium confidence).

What moves the price

The share trades about 21% below its 52-week high and 35% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Technology peers we cover trades at −6% fair-value upside, at 80%, 105760 screens cheaper than that median.

Fair Value models

Bear 5,716 KRW Fair Value 8,165 KRW Bull 10,615 KRW
Price 4,545 KRW · Upside +79.6%
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 (1,016 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.
Best data coverage
EPV 4,206 KRW 4,654 KRW 5,048 KRW 71
ROIC Compounder 4,206 KRW 4,654 KRW 5,048 KRW 69
Residual Income 6,256 KRW 6,374 KRW 6,716 KRW 68
All 12 models by family
Earnings-Based
Graham-Dodd 2,646 KRW 4,330 KRW 5,241 KRW 64
EPV 4,206 KRW 4,654 KRW 5,048 KRW 71
Multiples
P/E Multiple 8,171 KRW 10,895 KRW 13,619 KRW 63
P/S Multiple 4,961 KRW 6,615 KRW 8,269 KRW 58
P/B Multiple 35,952 KRW 47,937 KRW 59,921 KRW 55
EV/EBIT 6,074 KRW 8,165 KRW 10,255 KRW 66
EV/EBITDA 7,597 KRW 10,195 KRW 12,793 KRW 67
EV/Revenue 2,973 KRW 4,332 KRW 5,691 KRW 53
Asset-Based
NCAV (Graham) 3,383 KRW 5,126 KRW 6,408 KRW 54
Economic Profit
Residual Income 6,256 KRW 6,374 KRW 6,716 KRW 68
ROIC Compounder 4,206 KRW 4,654 KRW 5,048 KRW 69
Growth Earnings
Growth-Adj P/E 5,716 KRW 8,165 KRW 10,615 KRW 65

Open the full fair value analysis →

Quality Score breakdown

Overall quality 45/100

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

Profitability 40
How much profit the company makes from its sales and capital
Quality Growth 45
Are margins and returns getting better?
Cashflow 22
Do the profits arrive as real cash?
Financial strength 76
Debt, balance sheet and risk of trouble
Investment 33
Does it invest with discipline instead of growing at any price?
Low Volatility 69
How calm the share price moves, does not count
Price momentum 36
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 27
Distance to the 52-week high, does not count
New shares 59
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. 35/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
+18.6%
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.
+0.0%
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.
−19.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−19.1%
Dividend (yield on the price)0.0%
Profit margin 2021 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.10% → 4%

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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.Computer Hardware · 213 stocks

Beats the industry median on 10/11 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 45 · Below median
Fair Value upside +79.6% · Top 25%
Profitability
Return on equity (12 months) 14.1% · Above median
Return on assets 3.9% · Above median
Net margin (12 months) 10.7% · Top 25%
Operating margin (12 months) 17.3% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) 41.0% · Above median

Valuation Multiplesvs Computer Hardware median · lower = cheaper

P/E (12 months) 3.9× · Cheapest 25%
P/B 0.56× · Cheapest 25%
P/S (12 months) 0.41× · Cheapest 25%
EV/EBITDA 2.5× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 8
FUTURE (revenue growth)100 · sector 84
PAST (return on equity)56 · sector 33
HEALTH (low debt)100 · sector 97
DIVIDEND (yield)0 · sector 50

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 Computer Hardware stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
HP Inc HPQ $28.46 $52.85 +86% vs 105760
Lenovo Group 0992 HK$18.65 HK$33.69 +81% vs 105760
Hangzhou Hikvision Digital Technology Co 002415 ¥34.67 ¥46.76 +35% vs 105760
Sandisk Corporation SNDK $835.06 $789.73 −5% vs 105760
Arista Networks, Inc ANET $170.80 $160.68 −6% vs 105760
Quanta Computer Inc 2382 296.50 TWD 213.20 TWD −28% vs 105760
Western Digital Corporation WDC $263.78 $175.91 −33% vs 105760
Dell Technologies Inc DELL $328.53 $195.72 −40% vs 105760
Everpure, Inc P $96.75 $57.04 −41% vs 105760
Seagate Technology Holdings STX $460.99 $208.25 −55% vs 105760

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Posbank Co.,Ltd: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Posbank Co.,Ltd Fair Value". https://www.fairvalue-calculator.com/stock/105760

Frequently asked questions

Is Posbank Co.,Ltd (105760) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of 8,165 KRW versus a price of 4,545 KRW, about +80% upside (undervalued).
What is the fair value of 105760?
Our model-based fair value for Posbank Co.,Ltd is 8,165 KRW (as of Nov 4, 2026), built from audited fundamentals. The current price: 4,545 KRW.
What is the quality score of 105760?
Posbank Co.,Ltd has a Quality Score of 45/100. 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 Posbank Co.,Ltd (105760)?
Our model-based price target is the fair value of 8,165 KRW (as of Nov 4, 2026) from 12 valuation models. Cautious scenario 5,716 KRW, optimistic scenario 10,615 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the Posbank Co.,Ltd stock forecast for 2026?
Our models put fair value at 8,165 KRW, about +80% upside versus a price of 4,545 KRW (undervalued). Cautious scenario 5,716 KRW, optimistic scenario 10,615 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of Posbank Co.,Ltd (105760)?
Posbank Co.,Ltd reported trailing-twelve-month revenue of about 107B KRW (latest available figure, as of Nov 4, 2026).
What is the intrinsic value of Posbank Co.,Ltd (105760)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Posbank Co.,Ltd it is 8,165 KRW per share (as of Nov 4, 2026), against a price of 4,545 KRW. It is the blended result of 12 valuation models in 5 families (Earnings-Based, Multiples, Asset-Based, Economic Profit, Growth Earnings).
Is Posbank Co.,Ltd stock overvalued or undervalued in 2026?
As of Nov 4, 2026, 105760 trades below its calculated fair value: price 4,545 KRW, fair value 8,165 KRW, a gap of about +80% (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 105760?
No. The price is what the market pays today (4,545 KRW); the fair value is what the company's own numbers justify (8,165 KRW). For Posbank Co.,Ltd the two are 3,620 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is Posbank Co.,Ltd worth?
The market values Posbank Co.,Ltd at about 44.2B KRW (market capitalisation, as of Nov 4, 2026). Per share that is 4,545 KRW; our models calculate a fair value of 8,165 KRW per share.
What do the bullish and bearish scenarios say about 105760?
Our models span a range for Posbank Co.,Ltd: cautious scenario 5,716 KRW, base 8,165 KRW, optimistic 10,615 KRW per share (as of Nov 4, 2026, price 4,545 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 105760?
Posbank Co.,Ltd trades at a price-to-earnings ratio of 3.9 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 8,165 KRW is built from several models across several years. Other multiples: P/B 0.6, P/S 0.4, EV/EBITDA 2.5.
How solid is the balance sheet of Posbank Co.,Ltd (105760)?
Balance-sheet figures for Posbank Co.,Ltd (as of Nov 4, 2026): return on equity 14.1%. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is 105760 from its 52-week high?
Posbank Co.,Ltd trades at 4,545 KRW, about 21% below its 52-week high of 5,720 KRW and 35% above the low of 3,355 KRW (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of 8,165 KRW is for.
Which stocks are comparable to Posbank Co.,Ltd?
From the same area (Technology) we also value Dell Technologies Inc, Arista Networks, Inc, Sandisk Corporation, Seagate Technology Holdings, 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 Posbank Co.,Ltd stock attractive at the current price?
The data as of Nov 4, 2026: price 4,545 KRW, calculated fair value 8,165 KRW (+80%), Quality Score 45/100, from 12 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 105760 calculated?
We run Posbank Co.,Ltd through 12 models from 5 families: Earnings-Based, Multiples, Asset-Based, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of 8,165 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. Posbank Co.,Ltd currently trades 44% 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 Posbank Co.,Ltd (105760)?
The closing price on Nov 9, 2026 was 4,545 KRW. Our model-based fair value is 8,165 KRW, about +80% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Posbank Co.,Ltd right now?
The large discount to fair value meets weak quality (45/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (5,716 KRW). The market is more pessimistic than our downside scenario. A fairly wide model range (5,716 KRW to 10,615 KRW) leaves room in how you read the outcome.

Key figures of Posbank Co.,Ltd

How large is the market capitalisation of Posbank Co.,Ltd (105760)?
The market capitalisation of Posbank Co.,Ltd is 44.2B KRW (≈ $32.7M). 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 Posbank Co.,Ltd (105760)?
The price-to-sales ratio of Posbank Co.,Ltd is 0.41 (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 Posbank Co.,Ltd (105760)?
Earnings per share at Posbank Co.,Ltd are 1,184 KRW (price ÷ EPS = P/E 3.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Posbank Co.,Ltd (105760)?
The net margin of Posbank Co.,Ltd is 10.7% (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 Posbank Co.,Ltd (105760)?
The return on equity (ROE) of Posbank Co.,Ltd is 14.1% (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 Posbank Co.,Ltd (105760)?
On an EBIT basis the return on assets of Posbank Co.,Ltd is 11.4% (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 Posbank Co.,Ltd (105760)?
The operating margin of Posbank Co.,Ltd is 17.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Posbank Co.,Ltd (105760)?
Revenue at Posbank Co.,Ltd is growing +41.0% versus a year earlier (3y avg 0.0%). 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 Posbank Co.,Ltd (105760)?
Earnings per share at Posbank Co.,Ltd are growing +12.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Posbank Co.,Ltd (105760) generate?
The free cash flow of Posbank Co.,Ltd is −1.5B 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 Posbank Co.,Ltd (105760) carry?
The net debt of Posbank Co.,Ltd is 1.9B KRW (fiscal year 2024). 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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