QDM International Inc (QDMI) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of QDM International Inc stock $6.90, price $10.90, that is 36.7% below the price, quality 72 out of 100. Rating: strongly overvalued. Calculated from audited financials with 4 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 $2.75 – $160.48 · fair‑value band $4.25 – $16.77 · the $10.90 price screens above the $6.90 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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QDM International Inc. operates as an insurance brokerage company primarily in Hong Kong.
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The company offers life and medical insurance products, such as individual life, health, endowment life, and annuity life insurance; and general insurance products, including automobile, commercial property, liability, accident, travel, and homeowner insurance.
It also operates a mandatory provident fund intermediary, as well as assist with information collection; explanation of products and policies; and account opening and related services under mandatory provident fund, and occupational retirement schemes ordinance schemes.
In addition, the company is involved in the referral business. The company was formerly known as QDM Holdings Limited and changed its name to QDM International Inc. in October 2020. QDM International Inc. is based in Tsim Sha Tsui, Hong Kong.
Stock analysis
QDM International Inc (QDMI) currently trades at $10.90, while our model-based Fair Value estimate is $6.90, 37% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $7.00 per share, and 1 of the 4 models we run sit above the $10.90 price.
Bear case: the Asset-Based group reads lowest at $1.88, and 3 of the 4 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $4.25 (bear) to $16.77 (bull), the price of $10.90 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 72/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
QDM International Inc reported revenue of $21.5M in FY2026 versus $69.0K in FY2022, a compound +320.1%/yr. Reported net income was $7.5M in FY2026.
Key figures
Market cap $94.1M Micro · P/E ratio 11.0 · P/S ratio 3.58 · EPS (TTM) $0.9900 · Net margin 33.6% · Return on equity 57.8% · Return on assets (EBIT) 0.2% (5-year average) · Operating margin 45.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 90 out of 100 (low confidence).
What moves the price
The share trades about 84% below its 52-week high and 118% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −59% fair-value upside, at −37%, QDMI screens cheaper than that median.
Fair Value models
Bear$4.25Fair Value $6.90Bull$16.77
Price $10.90 · Downside -36.7%
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 2026 figures (about 7 months old). Earnings retained since then ($0.6048 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.
In the last 6 months, no officer or director bought or sold shares on the open market.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
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.72/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+156.2%
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.
+166.6%
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.
+180.6%
Start year 2021 (pandemic)
’21
’22
’23
’24
’25
’26
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.
−254.8% (2021) → 42.6% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: rate outside our plausibility band
not computed
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).
+34.3%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +31.1% 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.Insurance Brokers · 31 stocks
Beats the industry median on 10/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score72 · Top 25%
Fair Value upside−36.7% · Above median
Profitability
Return on equity (12 months)57.8% · Top 25%
Return on assets43.2% · Top 25%
Net margin (12 months)33.6% · Top 25%
Operating margin (12 months)45.0% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)133.4% · Top 25%
Valuation Multiplesvs Insurance Brokers 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). "QDM International Inc Fair Value". https://www.fairvalue-calculator.com/stock/QDMI
Frequently asked questions
Is QDM International Inc (QDMI) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $6.90 versus a price of $10.90, about 37% lower (overvalued).
What is the fair value of QDMI?
Our model-based fair value for QDM International Inc is $6.90 (as of Nov 8, 2026), built from audited fundamentals. The current price: $10.90.
What is the quality score of QDMI?
QDM International Inc has a Quality Score of 72/100. 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 QDM International Inc (QDMI)?
Our model-based price target is the fair value of $6.90 (as of Nov 8, 2026) from 4 valuation models. Cautious scenario $4.25, optimistic scenario $16.77. It is a calculation from audited fundamentals, not an analyst target.
What is the QDM International Inc stock forecast for 2026?
Our models put fair value at $6.90, about 37% lower versus a price of $10.90 (overvalued). Cautious scenario $4.25, optimistic scenario $16.77. The calculation is refreshed regularly with new filings.
What is the revenue of QDM International Inc (QDMI)?
QDM International Inc reported trailing-twelve-month revenue of about $26.3M (latest available figure, as of Nov 8, 2026).
What growth is priced into QDM International Inc (QDMI)?
For today's price to be fair in a discounted-cash-flow model, QDM International Inc would have to grow free cash flow by +34.3 % per year for five years (discount rate 12.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +180.6 % per year. As of Nov 8, 2026.
What discount rate (WACC) does the fair value of QDMI use?
Our models discount QDM International Inc at 12.7 %: a base by market capitalisation (micro), country premium for USA. 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 QDM International Inc that is +34.3 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (12.7 %) and the same formula as our fair value.
How much growth has QDM International Inc (QDMI) delivered so far?
Over the past 5 years revenue at QDM International Inc grew +180.6 % a year. The price currently implies free-cash-flow growth of +34.3 % 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 QDM International Inc (QDMI) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into QDM International Inc (+34.3 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of QDM International Inc (QDMI)?
The free-cash-flow yield on the price is 1.88 %: that much free cash flow QDM International Inc produces per unit of market value. When it exceeds the discount rate of our models (12.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of QDM International Inc (QDMI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For QDM International Inc it is $6.90 per share (as of Nov 8, 2026), against a price of $10.90. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is QDM International Inc stock overvalued or undervalued in 2026?
As of Nov 8, 2026, QDMI trades above its calculated fair value: price $10.90, fair value $6.90, a gap of about −37% (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 QDMI?
No. The price is what the market pays today ($10.90); the fair value is what the company's own numbers justify ($6.90). For QDM International Inc the two are $4.00 per share apart. That gap is exactly why we show both numbers side by side.
How much is QDM International Inc worth?
The market values QDM International Inc at about $94.1M (market capitalisation, as of Nov 8, 2026). Per share that is $10.90; our models calculate a fair value of $6.90 per share.
What do the bullish and bearish scenarios say about QDMI?
Our models span a range for QDM International Inc: cautious scenario $4.25, base $6.90, optimistic $16.77 per share (as of Nov 8, 2026, price $10.90). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of QDMI?
QDM International Inc trades at a price-to-earnings ratio of 11.0 (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 $6.90 is built from several models across several years. Other multiples: PEG 0.7, P/B 5.8, P/S 3.6, EV/EBITDA 7.8.
What is the PEG ratio of QDMI?
The PEG ratio of QDM International Inc is 0.67 (P/E divided by earnings growth, as of Nov 8, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of QDM International Inc (QDMI)?
Balance-sheet figures for QDM International Inc (as of Nov 8, 2026): return on equity 57.8%. They feed the Quality Score of 72/100, which measures business quality independently of the share price.
How far is QDMI from its 52-week high?
QDM International Inc trades at $10.90, about 84% below its 52-week high of $69.92 and 118% above the low of $5.00 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $6.90 is for.
Which stocks are comparable to QDM International Inc?
From the same area (Financial Services) we also value Marsh & McLennan Companies, Inc, Arthur J. Gallagher & Co, Aon plc, Willis Towers Watson Public Limited, 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 QDM International Inc stock attractive at the current price?
The data as of Nov 8, 2026: price $10.90, calculated fair value $6.90 (−37%), Quality Score 72/100, from 4 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 QDMI calculated?
We run QDM International Inc through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $6.90 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. QDM International 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 QDM International Inc (QDMI)?
The closing price on Nov 6, 2026 was $10.90. Our model-based fair value is $6.90, about 37% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with QDM International Inc right now?
The model range is unusually wide ($4.25 to $16.77). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid but not exceptional quality (72/100) and above fair value, neither a clear bargain nor a standout compounder. 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 QDM International Inc
How large is the market capitalisation of QDM International Inc (QDMI)?
The market capitalisation of QDM International Inc is $94.1M. 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 QDM International Inc (QDMI)?
The price-to-sales ratio of QDM International Inc is 3.58 (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 QDM International Inc (QDMI)?
Earnings per share at QDM International Inc are $0.9900 (price ÷ EPS = P/E 11.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of QDM International Inc (QDMI)?
The net margin of QDM International Inc is 33.6% (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 QDM International Inc (QDMI)?
The return on equity (ROE) of QDM International Inc is 57.8% (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 QDM International Inc (QDMI)?
On an EBIT basis the return on assets of QDM International Inc is 0.2% (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 QDM International Inc (QDMI)?
The operating margin of QDM International Inc is 45.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at QDM International Inc (QDMI)?
Revenue at QDM International Inc is growing +133% versus a year earlier (3y avg +167%). 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 QDM International Inc (QDMI)?
Earnings per share at QDM International Inc are growing +66.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does QDM International Inc (QDMI) carry?
The net debt of QDM International Inc is $268K (fiscal year 2020, ≈ 0.2 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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Nov 8, 2026