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Nh Investment And Securities 1p (005945) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Nh Investment And Securities 1p KRW 21,229, price KRW 22,500, upside -5.7%, quality 31 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · KR · ISIN KR7005941000

NI Some data Sep 23, 2026

Nh Investment And Securities 1p

005945 · KO

Low PriorityFair Value upside is limited and quality is weak.

·Fair value 21,229 KRW · Fairly valued (−5.7%)
!Quality 31/100
!Expensive Growth (revenue 5y +6.9 %/yr)
!Thin margins · 7.4% net margin (TTM)
!Moderate debt · negative free cash flow
!6.0% dividend yield · Watch coverage
!Mixed vs. peers (4/9)
!Moderate moat 58/100
!Evidence only medium, so the estimate is less certain
!Weak on valuation: 26 out of 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

29,200 KRW 6,698 KRW Fair Value 21,229 KRW May 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range 6,698 KRW – 29,200 KRW · fair‑value band 15,922 KRW – 26,537 KRW · the 22,500 KRW price screens above the 21,229 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

NH Investment & Securities Co., Ltd. engages in the investment management in South Korea and internationally. It operates through, Sales, Investment Banking, and Trading segments.

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NH Investment & Securities Co., Ltd. engages in the investment management in South Korea and internationally. It operates through, Sales, Investment Banking, and Trading segments. The company offers wealth management solutions to retail high-net-worth clients; service planning, UI/UX enhancement, and content development; corporate financing solutions, including corporate advisory, acquisition financing, and capital raising in the direct financing market; equities and mezzanine instruments through proprietary accounts; passive investment solutions; and PBS contracts, entrusted sales, credit extension, swap transactions, and securities lending and borrowing brokerage. It is also involved in bond trading and brokerage businesses; derivative-linked securities and over-the-counter derivatives businesses; and discretionary portfolio management. The company was formerly known as Woori Investment & Securities Co., Ltd. and changed its name to NH Investment & Securities Co., Ltd. in December 2014. The company was incorporated in 1969 and is based in Seoul, South Korea. NH Investment & Securities Co., Ltd. is a subsidiary of NongHyup Financial Group Inc.

Stock analysis

Nh Investment And Securities 1p (005945) currently trades at 22,500 KRW, while our model-based Fair Value estimate is 21,229 KRW, so the stock looks roughly fairly valued today (gap 6.0%).

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Valuation

How firm this estimate is: it rests on 17 models at a data quality of 95/100, which puts the evidence level at medium.

Scenario range: 15,922 KRW (bear) to 26,537 KRW (bull), the price of 22,500 KRW 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 31/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Nh Investment And Securities 1p reported revenue of 2.7T KRW in FY2025 versus 2.5T KRW in FY2021, a compound +2.2%/yr. Reported net income was 1.0T KRW in FY2025, compounding +2.6%/yr from FY2021.

Key figures

Market cap 9.3T KRW (≈ $6.9B) · P/S ratio 0.53 · Dividend yield 6.0% · Net margin 37.9% · Return on equity 14.5% · Return on assets (EBIT) 4.5% · Operating margin 34.4% · Revenue growth (YoY) +185%.

Competitive moat

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

What moves the price

The share trades about 23% below its 52-week high and 35% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at −6%, 005945 screens cheaper than that median.

Fair Value models

Bear 15,922 KRW Fair Value 21,229 KRW Bull 26,537 KRW
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. 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. Evidence ⓘEvidence = 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.
Highest evidence
P/B Multiple 16,027 KRW 21,370 KRW 26,712 KRW 55
NCAV (Graham) 12,571 KRW 16,845 KRW 25,141 KRW 54
All 2 models by family
Multiples
P/B Multiple 16,027 KRW 21,370 KRW 26,712 KRW 55
Asset-Based
NCAV (Graham) 12,571 KRW 16,845 KRW 25,141 KRW 54

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Quality Score breakdown

Overall quality 31/100

Of which business quality 37 · Market factors (momentum, volatility) 56

Profitability 38
Margins and returns on capital today
Quality Growth 50
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 65
Balance sheet, leverage, solvency risk
Investment 58
Disciplined investing over empire-building
Low Volatility 65
Calm price path (market factor)
Momentum 48
Price trend over the last 3–12 months (market factor)
52W Momentum 57
Distance to the 52-week high (market factor)
Net Issuance 19
Share count: buybacks or dilution?

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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. 46/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+27.6%
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.
+23.8%
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.
+6.9%
Start year 2020 (pandemic). Over 10 years: −8.2% a year
Revenue growth 11 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.
−4.2%
What shareholders gained per year (last 5 years), in KRW (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. 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.
+12.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+6.0%
Dividend (yield on the price)6.0%
Profit margin 2014 to 2018 ⓘ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.31% → 199%
2025 sits 64% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

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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.Capital Markets · 462 stocks

Beats the industry median on 4/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 39 · Bottom 25%
Fair Value upside −5.6% · Below median
Profitability
Return on equity (TTM) 14.5% · Above median
Return on assets 1.6% · Below median
Net margin (TTM) 7.4% · Below median
Operating margin (TTM) 34.4% · Above median
Growth and dividend
Revenue growth 184.8% · Top 25%
Dividend yield (TTM) 6.0% · Top 25%
Balance sheet
Debt / equity 1.02× · Highest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)26 · sector 36
FUTURE (revenue growth)100 · sector 92
PAST (return on equity)58 · sector 32
HEALTH (low debt)49 · sector 95
DIVIDEND (yield)100 · sector 44

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 Capital Markets stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Morgan Stanley, a financial holding company, MS $188.08 $314.07 +67%
The Goldman Sachs Group GS $900.36 $766.86 −15%
The Charles Schwab Corporation SCHW $97.74 $118.07 +21%
Interactive Brokers Group IBKR $89.24 $23.12 −74%
Robinhood Markets, Inc HOOD $116.22 $47.77 −59%
Macquarie Group MQG A$245.63 A$80.51 −67%
CITIC Securities Company 600030 ¥26.29 ¥18.35 −30%
Guotai Haitong Securities Co 601211 ¥17.21 ¥19.35 +12%
East Money Information Co 300059 ¥18.28 ¥4.94 −73%
Nomura Holdings NMR $9.91 $10.19 +3%

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Nh Investment And Securities 1p · Fair Value
21,229 KRW −6%Fair Value
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Cite: Fair Value Calculator (2026). "Nh Investment And Securities 1p Fair Value". https://www.fairvalue-calculator.com/stock/005945

Frequently asked questions

Is Nh Investment And Securities 1p (005945) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of 21,229 KRW versus a price of 22,500 KRW, about −6% upside (fairly valued).
What is the fair value of 005945?
Our model-based fair value for Nh Investment And Securities 1p is 21,229 KRW (as of Sep 23, 2026), built from audited fundamentals. The current price: 22,500 KRW.
What is the quality score of 005945?
Nh Investment And Securities 1p has a Quality Score of 31/100. 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 Nh Investment And Securities 1p (005945)?
Our model-based price target is the fair value of 21,229 KRW (as of Sep 23, 2026) from 2 valuation models. Cautious scenario 15,922 KRW, optimistic scenario 26,537 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the Nh Investment And Securities 1p stock forecast for 2026?
Our models put fair value at 21,229 KRW, about −6% upside versus a price of 22,500 KRW (fairly valued). Cautious scenario 15,922 KRW, optimistic scenario 26,537 KRW. The calculation is refreshed regularly with new filings.
Does Nh Investment And Securities 1p pay a dividend?
Nh Investment And Securities 1p currently shows a dividend yield of about 6.00% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of Nh Investment And Securities 1p (005945)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Nh Investment And Securities 1p it is 21,229 KRW per share (as of Sep 23, 2026), against a price of 22,500 KRW. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is Nh Investment And Securities 1p stock overvalued or undervalued in 2026?
As of Sep 23, 2026, 005945 trades above its calculated fair value: price 22,500 KRW, fair value 21,229 KRW, a gap of about −6% (fairly valued). 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 005945?
No. The price is what the market pays today (22,500 KRW); the fair value is what the company's own numbers justify (21,229 KRW). For Nh Investment And Securities 1p the two are 1,271 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is Nh Investment And Securities 1p worth?
The market values Nh Investment And Securities 1p at about 9.3T KRW (market capitalisation, as of Sep 23, 2026). Per share that is 22,500 KRW; our models calculate a fair value of 21,229 KRW per share.
What do the bullish and bearish scenarios say about 005945?
Our models span a range for Nh Investment And Securities 1p: cautious scenario 15,922 KRW, base 21,229 KRW, optimistic 26,537 KRW per share (as of Sep 23, 2026, price 22,500 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Nh Investment And Securities 1p (005945)?
Balance-sheet figures for Nh Investment And Securities 1p (as of Sep 23, 2026): return on equity 14.5%, debt of 1.02 per unit of equity. They feed the Quality Score of 31/100, which measures business quality independently of the share price.
How far is 005945 from its 52-week high?
Nh Investment And Securities 1p trades at 22,500 KRW, about 23% below its 52-week high of 29,200 KRW and 35% above the low of 16,687 KRW (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of 21,229 KRW is for.
Which stocks are comparable to Nh Investment And Securities 1p?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, 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 Nh Investment And Securities 1p stock attractive at the current price?
The data as of Sep 23, 2026: price 22,500 KRW, calculated fair value 21,229 KRW (−6%), Quality Score 31/100, from 2 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 005945 calculated?
We run Nh Investment And Securities 1p through 2 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 21,229 KRW, 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 14.5 % above its aggregate fair value. Nh Investment And Securities 1p 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 Nh Investment And Securities 1p (005945)?
The closing price on Oct 2, 2026 was 22,500 KRW. Our model-based fair value is 21,229 KRW, about −6% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Nh Investment And Securities 1p right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. 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 Nh Investment And Securities 1p

How large is the market capitalisation of Nh Investment And Securities 1p (005945)?
The market capitalisation of Nh Investment And Securities 1p is 9.3T KRW (≈ $6.9B). 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 Nh Investment And Securities 1p (005945)?
The price-to-sales ratio of Nh Investment And Securities 1p is 0.53 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the dividend yield of Nh Investment And Securities 1p (005945)?
The dividend yield of Nh Investment And Securities 1p is 6.0%. 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 Nh Investment And Securities 1p (005945)?
The net margin of Nh Investment And Securities 1p is 37.9% (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 Nh Investment And Securities 1p (005945)?
The return on equity (ROE) of Nh Investment And Securities 1p is 14.5% (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 Nh Investment And Securities 1p (005945)?
On an EBIT basis the return on assets of Nh Investment And Securities 1p is 4.5% (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 Nh Investment And Securities 1p (005945)?
The operating margin of Nh Investment And Securities 1p is 34.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Nh Investment And Securities 1p (005945)?
Revenue at Nh Investment And Securities 1p is growing +185% versus a year earlier (3y avg +23.8%). 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 Nh Investment And Securities 1p (005945)?
Earnings per share at Nh Investment And Securities 1p are growing +111% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Nh Investment And Securities 1p (005945) generate?
The free cash flow of Nh Investment And Securities 1p is −5.4T 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 Nh Investment And Securities 1p (005945) carry?
The net debt of Nh Investment And Securities 1p is 9.4T KRW (fiscal year 2025). 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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