Software Service, Inc. (SFSVF) fair value: what the stock is really worth
As of Nov 11, 2026: fair value (intrinsic value) of Software Service, Inc. stock $183, price $72.08, upside +153.8%, quality 68 out of 100. Rating: strongly undervalued. Calculated from audited financials with 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 11, 2026.
How to read this chart
41‑month range $51.74 – $76.77 · fair‑value band $105.20 – $234.23 · the $72.08 price screens below the $182.94 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 11, 2026.
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Software Service, Inc. engages in providing electric medical record, hospital total ordering, and other systems. It offers its products under the e-medical records and NEWTONS. The company was incorporated in 1969 and is headquartered in Osaka, Japan.
Stock analysis
Software Service, Inc. (SFSVF) currently trades at $72.08, while our model-based Fair Value estimate is $182.94, implying the stock looks roughly 61% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $193.23 per share, and 22 of the 26 models we run sit above the $72.08 price.
Bear case: the Asset-Based group reads lowest at $30.80, and 4 of the 26 models stay below the price. Data coverage for this calculation is high.
Scenario range: $105.20 (bear) to $234.23 (bull), the price of $72.08 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 68/100 (solid quality), in the Healthcare sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Software Service, Inc. reported revenue of ¥42.3B in FY2025 versus ¥25.3B in FY2021, a compound +13.7%/yr. Reported net income was ¥6.1B in FY2025, compounding +19.5%/yr from FY2021.
Key figures
Market cap $389M Small · P/E ratio 9.8 · P/S ratio 1.42 · EPS (TTM) $7.33 · Dividend yield 1.4% · Net margin 14.4% · Return on equity 15.0% · Return on assets (EBIT) 15.3% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 68 out of 100 (medium confidence).
What moves the price
The share trades about 16% below its 52-week high and below its previous 52-week low, currently below its 200-day average.
For context, the median of 10 Healthcare peers we cover trades at −34% fair-value upside, at 154%, SFSVF screens cheaper than that median.
Fair Value models
Bear$105.20Fair Value $182.94Bull$234.23
Price $72.08 · Upside +153.8%
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 12 months old). Earnings retained since then ($6.33 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.86/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+10.1%
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.
+15.3%
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.
+15.6%
Start year 2020 (pandemic)
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years), in JPY ⓘ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 JPY: 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.
+20.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+18.9%
Dividend (yield on the price)1.4%
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.16% → 20%
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).
+4.9%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in JPY, Japan: IMF forecast 2.1% a year to 2030, 1.3% from 2016 to 2025) that is about +2.7% 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.Health Information Services · 142 stocks
Beats the industry median on 11/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score68 · Top 25%
Fair Value upside+153.8% · Top 25%
Profitability
Return on equity (12 months)15.0% · Top 25%
Return on assets11.7% · Top 25%
Net margin (12 months)12.4% · Top 25%
Operating margin (12 months)16.1% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)0.7% · Below median
Dividend yield (12 months)1.4% · Below median
Valuation Multiplesvs Health Information Services median · lower = cheaper
P/E (12 months)9.8× · Cheapest 25%
P/B1.36× · Cheapest 25%
P/S (12 months)1.22× · Cheapest 25%
Price / free cash flow (fiscal year)21.4× · Cheaper than median
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). "Software Service, Inc. Fair Value". https://www.fairvalue-calculator.com/stock/SFSVF
Frequently asked questions
Is Software Service, Inc. (SFSVF) overvalued or undervalued?
As of Nov 11, 2026, our model estimates a fair value of $182.94 versus a price of $72.08, about +154% upside (undervalued).
What is the fair value of SFSVF?
Our model-based fair value for Software Service, Inc. is $182.94 (as of Nov 11, 2026), built from audited fundamentals. The current price: $72.08.
What is the quality score of SFSVF?
Software Service, Inc. has a Quality Score of 68/100. 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 Software Service, Inc. (SFSVF)?
Our model-based price target is the fair value of $182.94 (as of Nov 11, 2026) from 26 valuation models. Cautious scenario $105.20, optimistic scenario $234.23. It is a calculation from audited fundamentals, not an analyst target.
What is the Software Service, Inc. stock forecast for 2026?
Our models put fair value at $182.94, about +154% upside versus a price of $72.08 (undervalued). Cautious scenario $105.20, optimistic scenario $234.23. The calculation is refreshed regularly with new filings.
What is the revenue of Software Service, Inc. (SFSVF)?
Software Service, Inc. reported trailing-twelve-month revenue of about ¥46.6B (latest available figure, as of Nov 11, 2026).
Does Software Service, Inc. pay a dividend?
Software Service, Inc. currently shows a dividend yield of 1.39% relative to its recent price (as of Nov 11, 2026).
How much is the dividend of Software Service, Inc. (SFSVF) and when is the ex-dividend date?
Software Service, Inc. pays a dividend of $1.00 per share a year, a dividend yield of 1.4%. The last ex-dividend date was Oct 29, 2026. The payout ratio is 11.9% of earnings. Free cash flow covers the dividend 3.66 times. Our assessment: Well covered. A low payout and the dividend is fully funded by free cash flow, a comfortable, sustainable dividend.
What growth is priced into Software Service, Inc. (SFSVF)?
For today's price to be fair in a discounted-cash-flow model, Software Service, Inc. would have to grow free cash flow by +4.9 % per year for five years (discount rate 9.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +15.6 % per year. As of Nov 11, 2026.
What discount rate (WACC) does the fair value of SFSVF use?
Our models discount Software Service, Inc. at 9.8 %: a base by market capitalisation (small), damped by beta 0.27, 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 Software Service, Inc. that is +4.9 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (9.8 %) and the same formula as our fair value.
How much growth has Software Service, Inc. (SFSVF) delivered so far?
Over the past 5 years revenue at Software Service, Inc. grew +15.6 % a year. The price currently implies free-cash-flow growth of +4.9 % 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 Software Service, Inc. (SFSVF) growing?
The median revenue growth in the sector is +1.6 % a year. That is the yardstick for the growth priced into Software Service, Inc. (+4.9 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Software Service, Inc. (SFSVF)?
The free-cash-flow yield on the price is 4.68 %: that much free cash flow Software Service, Inc. produces per unit of market value. When it exceeds the discount rate of our models (9.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Software Service, Inc. (SFSVF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Software Service, Inc. it is $182.94 per share (as of Nov 11, 2026), against a price of $72.08. It is the blended result of 26 valuation models in 8 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings).
Is Software Service, Inc. stock overvalued or undervalued in 2026?
As of Nov 11, 2026, SFSVF trades below its calculated fair value: price $72.08, fair value $182.94, a gap of about +154% (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 SFSVF?
No. The price is what the market pays today ($72.08); the fair value is what the company's own numbers justify ($182.94). For Software Service, Inc. the two are $110.86 per share apart. That gap is exactly why we show both numbers side by side.
How much is Software Service, Inc. worth?
The market values Software Service, Inc. at about $389M (market capitalisation, as of Nov 11, 2026). Per share that is $72.08; our models calculate a fair value of $182.94 per share.
What do the bullish and bearish scenarios say about SFSVF?
Our models span a range for Software Service, Inc.: cautious scenario $105.20, base $182.94, optimistic $234.23 per share (as of Nov 11, 2026, price $72.08). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SFSVF?
Software Service, Inc. trades at a price-to-earnings ratio of 9.8 (as of Nov 11, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $182.94 is built from several models across several years. Other multiples: P/B 1.4, P/S 1.2, EV/EBITDA 5.6.
How solid is the balance sheet of Software Service, Inc. (SFSVF)?
Balance-sheet figures for Software Service, Inc. (as of Nov 11, 2026): return on equity 15.0%. They feed the Quality Score of 68/100, which measures business quality independently of the share price.
How far is SFSVF from its 52-week high?
Software Service, Inc. trades at $72.08, about 16% below its 52-week high of $85.59 and below the previous low of $75.64 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of $182.94 is for.
Which stocks are comparable to Software Service, Inc.?
From the same area (Healthcare) we also value Veeva Systems Inc, Pro Medicus Limited, BrightSpring Health Services, Inc, Tempus AI, 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 Software Service, Inc. stock attractive at the current price?
The data as of Nov 11, 2026: price $72.08, calculated fair value $182.94 (+154%), Quality Score 68/100, from 26 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 SFSVF calculated?
We run Software Service, Inc. through 26 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 $182.94 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 14.0% above its aggregate fair value. Software Service, Inc. currently trades 61% 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 Software Service, Inc. (SFSVF)?
The closing price on Nov 11, 2026 was $72.08. Our model-based fair value is $182.94, about +154% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Software Service, Inc. right now?
The price is below even our cautious bear case ($105.20). The market is more pessimistic than our downside scenario. Solid quality (68/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range ($105.20 to $234.23) leaves room in how you read the outcome.
Key figures of Software Service, Inc.
How large is the market capitalisation of Software Service, Inc. (SFSVF)?
The market capitalisation of Software Service, Inc. is $389M. 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 Software Service, Inc. (SFSVF)?
The price-to-sales ratio of Software Service, Inc. is 1.42 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Software Service, Inc. (SFSVF)?
Earnings per share at Software Service, Inc. are $7.33 (price ÷ EPS = P/E 9.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Software Service, Inc. (SFSVF)?
The dividend yield of Software Service, Inc. is 1.4% (payout 13.7%). 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 Software Service, Inc. (SFSVF)?
The net margin of Software Service, Inc. is 14.4% (fiscal year 2025). 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 Software Service, Inc. (SFSVF)?
The return on equity (ROE) of Software Service, Inc. is 15.0% (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 Software Service, Inc. (SFSVF)?
On an EBIT basis the return on assets of Software Service, Inc. is 15.3% (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 Software Service, Inc. (SFSVF)?
The operating margin of Software Service, Inc. is 16.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Software Service, Inc. (SFSVF)?
Revenue at Software Service, Inc. is growing +0.7% versus a year earlier (3y avg +15.3%). 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 Software Service, Inc. (SFSVF)?
Earnings per share at Software Service, Inc. are growing −5.7% versus a year earlier. How much earnings per share grew versus a year earlier.
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Broad data
Nov 11, 2026