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STOCK COMPARISON

O'Pay Electronic Payment Co. vs Microsoft: Fair Value & Quality

Both stocks run through our valuation models. Here is how O'Pay Electronic Payment Co. (6878) and Microsoft (MSFT) compare, as of Aug 26, 2026.

As of Aug 26, 2026, Fair Value Calculator sees Microsoft as the less overvalued of the two: O'Pay Electronic Payment Co. trades at TWD 20.75 versus a fair value of TWD 4.73 (-77%), while Microsoft trades at $492 versus $381 (-22%).
O'Pay Electronic Payment Co.
6878.TWO · TWD · Technology
-77%
upside to fair value
overvalued
PriceTWD 20.75
Fair ValueTWD 4.73
Quality38/100
Microsoft
MSFT · USD · Information Technology
-22%
upside to fair value
overvalued
Price$492
Fair Value$381
Quality66/100
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Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

O'Pay Electronic Payment Co.Microsoft
Valuation
—P/E (TTM)22.9×
8.09×P/S (TTM)8.99×
0.13×P/B8.33×
—EV/EBITDA15.6×
—PEG1.19×
—Dividend yield0.7%
—Dividend per share$3.56
Profitability
0%Net margin39%
—Operating margin46%
-14%Return on equity34%
-7%Return on assets15%
Growth
-7%Revenue growth (YoY)18%
-51.8%Avg. growth/yr (3Y)12.4%
-39.7%Avg. growth/yr (5Y)14.5%
Balance & size
—Debt / equity0.12×
$64MMarket cap$2.9T
weakGrowth qualityexpensive

Microsoft leads: 2 to 6 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

O'Pay Electronic Payment Co.of which business quality 38 · market factors 71 Microsoftof which business quality 65 · market factors 51
ProfitabilityMargins and returns on capital today
0
75
Quality GrowthAre margins and returns improving?
14
53
CashflowEarnings quality: real cash, not paper profit
8
71
Fin. StrengthBalance sheet, leverage, solvency risk
76
79
InvestmentDisciplined investing over empire-building
67
1
Low VolatilityCalm price path (market factor)
38
57
MomentumPrice trend over the last 3–12 months (market factor)
100
48
52W MomentumDistance to the 52-week high (market factor)
59
51
Net IssuanceBuybacks instead of dilution
82
84

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

O'Pay Electronic Payment Co.

Asset-BasedTWD 4.74

1 of 1 models see the stock below the current price.

Microsoft

DCF Models$333
Earnings-Based$189
Dividend Discount$61.93
Multiples$308
Asset-Based$30.98
Growth DCF$249
Economic Profit$184
Growth Earnings$332

26 of 26 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

O'Pay Electronic Payment Co.
Bear TWD 3.12Fair Value TWD 4.73Bull TWD 5.91
TWD 20.75 = current price (white tick)
Microsoft
Bear $192Fair Value $381Bull $480
$492 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

O'Pay Electronic Payment Co. · Technology

Quality score38 · bottom 25%
Fair value upside-77% · bottom 25%

Microsoft · Information Technology

Quality score66 · Top 25%
Fair value upside-22% · above median

Bottom line

As of Aug 26, 2026, Fair Value Calculator sees Microsoft as the less overvalued of the two: O'Pay Electronic Payment Co. trades at TWD 20.75 versus a fair value of TWD 4.73 (-77%), while Microsoft trades at $492 versus $381 (-22%).

Microsoft has the higher quality score (66/100).

See the full analysis →
O'Pay Electronic Payment Co. · Microsoft

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.