LINE Pay Taiwan Limited (7722) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of LINE Pay Taiwan Limited stock TWD 108, price TWD 224, that is 51.7% below the price, quality 38 out of 100. Rating: strongly overvalued. Calculated from audited financials with 9 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 5, 2026.
How to read this chart
33‑month range 223.50 TWD – 969.37 TWD · fair‑value band 108.06 TWD – 115.13 TWD · the 223.50 TWD price screens above the 108.06 TWD fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
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LINE Pay Taiwan Limited offers data processing, electronic information supply, and third-party payment services in Taiwan. It also offers smart mobile payment services. The company was founded in 2015 and is based in Taipei, Taiwan.
Stock analysis
LINE Pay Taiwan Limited (7722) currently trades at 223.50 TWD, while our model-based Fair Value estimate is 108.06 TWD, 52% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of 275.82 TWD per share, and 1 of the 9 models we run sit above the 223.50 TWD price.
Bear case: the Dividend Discount group reads lowest at 20.80 TWD, and 8 of the 9 models stay below the price. Data coverage for this calculation is high.
Scenario range: 108.06 TWD (bear) to 115.13 TWD (bull), the price of 223.50 TWD 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 38/100 (below-average quality), in the Technology sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
LINE Pay Taiwan Limited reported revenue of 7.9B TWD in FY2025 versus 2.1B TWD in FY2021, a compound +39.3%/yr. Reported net income was 507M TWD in FY2025, compounding +36.4%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap 15.8B TWD (≈ $484M) Small · P/E ratio 28.8 · P/S ratio 1.88 · EPS (TTM) 7.75 TWD · Dividend yield 0.6% · Net margin 6.8% · Return on equity 5.3% · Return on assets (EBIT) 3.5% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 34 out of 100 (low confidence).
What moves the price
The share trades about 60% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −11% fair-value upside, at −52%, 7722 screens richer than that median.
Fair Value models
Bear108.06 TWDFair Value 108.06 TWDBull115.13 TWD
Price 223.50 TWD · Downside -51.7%
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. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (5.40 TWD 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.58/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+25.0%
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.
+26.8%
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years), in TWD ⓘ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 TWD: 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.
+25.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+25.0%
Dividend (yield on the price)0.6%
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.6% → 8%
Compare LINE Pay Taiwan Limited with another stock
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.Software - Infrastructure · 345 stocks
Beats the industry median on 7/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score38 · Bottom 25%
Fair Value upside−51.7% · Below median
Profitability
Return on equity (12 months)5.3% · Below median
Return on assets2.5% · Above median
Net margin (12 months)6.8% · Above median
Operating margin (12 months)7.6% · Above median
Growth and dividend
Revenue growth (quarter YoY)14.3% · Above median
Dividend yield (12 months)0.6% · Below median
Valuation Multiplesvs Software - Infrastructure median · lower = cheaper
P/E (12 months)28.8× · Pricier than median
P/B1.47× · Cheaper than median
P/S (12 months)1.88× · Cheaper than median
EV/EBITDA9.6× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 25
FUTURE (revenue growth)72· sector 60
PAST (return on equity)21· sector 23
HEALTH (low debt)0· sector 98
DIVIDEND (yield)13· sector 31
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.
Is LINE Pay Taiwan Limited (7722) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of 108.06 TWD versus a price of 223.50 TWD, about 52% lower (overvalued).
What is the fair value of 7722?
Our model-based fair value for LINE Pay Taiwan Limited is 108.06 TWD (as of Nov 5, 2026), built from audited fundamentals. The current price: 223.50 TWD.
What is the quality score of 7722?
LINE Pay Taiwan Limited has a Quality Score of 38/100. 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 LINE Pay Taiwan Limited (7722)?
Our model-based price target is the fair value of 108.06 TWD (as of Nov 5, 2026) from 9 valuation models. Cautious scenario 108.06 TWD, optimistic scenario 115.13 TWD. It is a calculation from audited fundamentals, not an analyst target.
What is the LINE Pay Taiwan Limited stock forecast for 2026?
Our models put fair value at 108.06 TWD, about 52% lower versus a price of 223.50 TWD (overvalued). Cautious scenario 108.06 TWD, optimistic scenario 115.13 TWD. The calculation is refreshed regularly with new filings.
What is the revenue of LINE Pay Taiwan Limited (7722)?
LINE Pay Taiwan Limited reported trailing-twelve-month revenue of about 8.4B TWD (latest available figure, as of Nov 5, 2026).
Does LINE Pay Taiwan Limited pay a dividend?
LINE Pay Taiwan Limited currently shows a dividend yield of 0.64% relative to its recent price (as of Nov 5, 2026).
How much is the dividend of LINE Pay Taiwan Limited (7722) and when is the ex-dividend date?
LINE Pay Taiwan Limited pays a dividend of 1.43 TWD per share a year, a dividend yield of 0.6%. The last ex-dividend date was Jun 15, 2026. The payout ratio is 18.4% of earnings. Our assessment: Token dividend. At a yield of 0.6% the dividend is symbolic. On paper it is not fully covered by earnings or free cash flow, but at this size that hardly matters: even scrapping it entirely would cost less than 0.6% a year, and coverage ratios on amounts this small swing with ordinary working-capital movements. Judge this company on its business, not on its dividend.
What is the intrinsic value of LINE Pay Taiwan Limited (7722)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For LINE Pay Taiwan Limited it is 108.06 TWD per share (as of Nov 5, 2026), against a price of 223.50 TWD. It is the blended result of 9 valuation models in 6 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is LINE Pay Taiwan Limited stock overvalued or undervalued in 2026?
As of Nov 5, 2026, 7722 trades above its calculated fair value: price 223.50 TWD, fair value 108.06 TWD, a gap of about −52% (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 7722?
No. The price is what the market pays today (223.50 TWD); the fair value is what the company's own numbers justify (108.06 TWD). For LINE Pay Taiwan Limited the two are 115.44 TWD per share apart. That gap is exactly why we show both numbers side by side.
How much is LINE Pay Taiwan Limited worth?
The market values LINE Pay Taiwan Limited at about 15.8B TWD (market capitalisation, as of Nov 5, 2026). Per share that is 223.50 TWD; our models calculate a fair value of 108.06 TWD per share.
What do the bullish and bearish scenarios say about 7722?
Our models span a range for LINE Pay Taiwan Limited: cautious scenario 108.06 TWD, base 108.06 TWD, optimistic 115.13 TWD per share (as of Nov 5, 2026, price 223.50 TWD). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 7722?
LINE Pay Taiwan Limited trades at a price-to-earnings ratio of 28.8 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 108.06 TWD is built from several models across several years. Other multiples: P/B 1.5, P/S 1.9, EV/EBITDA 9.6.
How solid is the balance sheet of LINE Pay Taiwan Limited (7722)?
Balance-sheet figures for LINE Pay Taiwan Limited (as of Nov 5, 2026): return on equity 5.3%. They feed the Quality Score of 38/100, which measures business quality independently of the share price.
How far is 7722 from its 52-week high?
LINE Pay Taiwan Limited trades at 223.50 TWD, about 60% below its 52-week high of 555.59 TWD and at the low of 223.50 TWD (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 108.06 TWD is for.
Which stocks are comparable to LINE Pay Taiwan Limited?
From the same area (Technology) we also value Microsoft Corporation, Oracle Corporation, Palantir Technologies Inc, Palo Alto Networks, 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 LINE Pay Taiwan Limited stock attractive at the current price?
The data as of Nov 5, 2026: price 223.50 TWD, calculated fair value 108.06 TWD (−52%), Quality Score 38/100, from 9 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 7722 calculated?
We run LINE Pay Taiwan Limited through 9 models from 6 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 108.06 TWD 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. LINE Pay Taiwan Limited 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 LINE Pay Taiwan Limited (7722)?
The closing price on Nov 6, 2026 was 223.50 TWD. Our model-based fair value is 108.06 TWD, about 52% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with LINE Pay Taiwan Limited right now?
The price sits above even our optimistic bull case (115.13 TWD). The favourable scenario is already priced in. Weak quality (38/100) and above fair value at the same time, the margin of safety is missing on both counts. The models converge in a tight band (108.06 TWD to 115.13 TWD), unusually little disagreement for a valuation.
Key figures of LINE Pay Taiwan Limited
How large is the market capitalisation of LINE Pay Taiwan Limited (7722)?
The market capitalisation of LINE Pay Taiwan Limited is 15.8B TWD (≈ $484M). 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 LINE Pay Taiwan Limited (7722)?
The price-to-sales ratio of LINE Pay Taiwan Limited is 1.88 (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 LINE Pay Taiwan Limited (7722)?
Earnings per share at LINE Pay Taiwan Limited are 7.75 TWD (price ÷ EPS = P/E 28.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of LINE Pay Taiwan Limited (7722)?
The dividend yield of LINE Pay Taiwan Limited is 0.6% (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 LINE Pay Taiwan Limited (7722)?
The net margin of LINE Pay Taiwan Limited is 6.8% (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 LINE Pay Taiwan Limited (7722)?
The return on equity (ROE) of LINE Pay Taiwan Limited is 5.3% (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 LINE Pay Taiwan Limited (7722)?
On an EBIT basis the return on assets of LINE Pay Taiwan Limited is 3.5% (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 LINE Pay Taiwan Limited (7722)?
The operating margin of LINE Pay Taiwan Limited is 7.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at LINE Pay Taiwan Limited (7722)?
Revenue at LINE Pay Taiwan Limited is growing +14.3% versus a year earlier (3y avg +26.8%). 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 LINE Pay Taiwan Limited (7722)?
Earnings per share at LINE Pay Taiwan Limited are growing +136% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does LINE Pay Taiwan Limited (7722) generate?
The free cash flow of LINE Pay Taiwan Limited is −29.1M TWD (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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Broad data
Nov 5, 2026