Monalisa (012690) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Monalisa KRW 696, price KRW 1,400, upside -50.3%, quality 54 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 1,344 KRW – 5,129 KRW · fair‑value band 522.20 KRW – 870.33 KRW · the 1,400 KRW price screens above the 696.27 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Monalisa Co., Ltd engages in the production and sale of hygiene products in South Korea. It offers sanitary tissue, bathroom tissue, facial tissue, wet tissue, and kitchen towel products, as well as wet wipes, adult diapers, baby diapers, masks, napkins, jumbo rolls, and paper towels under the Bellagio, The Rich House, and Nox Premium brand names.
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Monalisa Co., Ltd engages in the production and sale of hygiene products in South Korea. It offers sanitary tissue, bathroom tissue, facial tissue, wet tissue, and kitchen towel products, as well as wet wipes, adult diapers, baby diapers, masks, napkins, jumbo rolls, and paper towels under the Bellagio, The Rich House, and Nox Premium brand names. The company was founded in 1977 and is headquartered in Seoul, South Korea. As of November 7, 2024, Monalisa Co., Ltd operates as a subsidiary of Arch Peninsula SDN.BHD..
Stock analysis
Monalisa (012690) currently trades at 1,400 KRW, while our model-based Fair Value estimate is 696.27 KRW, implying the stock looks roughly 101.1% overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of 1,602 KRW per share, and 3 of the 13 models we run sit above the 1,400 KRW price.
Bear case: the Earnings-Based group reads lowest at 252.40 KRW, and 10 of the 13 models stay below the price. Evidence for this calculation is low.
Scenario range: 522.20 KRW (bear) to 870.33 KRW (bull), the price of 1,400 KRW 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 54/100 (solid quality), in the Consumer Defensive sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
Monalisa reported revenue of 124B KRW in FY2025 versus 106B KRW in FY2021, a compound +3.9%/yr. Reported net income was 1.5B KRW in FY2025, compounding −17.7%/yr from FY2021.
Key figures
Market cap 61.8B KRW (≈ $43.2M) · P/S ratio 0.57 · Dividend yield 3.6% · Net margin 1.2% · Return on equity −1.3% · Return on assets (EBIT) 2.9% · Operating margin −4.1% · Revenue (TTM) 109B KRW.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The share trades about 43% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Defensive peers we cover trades at −14% fair-value upside, at −50%, 012690 screens richer than that median.
Fair Value models
Bear 522.20 KRWFair Value 696.27 KRWBull 870.33 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.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.
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.21/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
−1.8%
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.
+0.9%
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.
+1.1%
Start year 2020 (pandemic). Over 10 years: −0.1% a year
Revenue growth 12 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.
−0.1%
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What shareholders gained per year (last 5 years), in KRW ⓘ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 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.
−10.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−14.5%
Dividend (yield on the price)3.6%
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.8% → 0%
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.Household & Personal Products · 251 stocks
Beats the industry median on 1/8 measures
Overall it trails its industry peers.
Valuation
Quality Score54 · Below median
Fair Value upside−50% · Bottom 25%
Profitability
Return on assets−1% · Bottom 25%
Net margin (TTM)−1% · Below median
Operating margin (TTM)−4% · Bottom 25%
Growth and dividend
Revenue growth−7% · Bottom 25%
Dividend yield (TTM)3.6% · Above median
Balance sheet
Debt / equity0.06× · Above median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 33
FUTURE (revenue growth)0· sector 5
PAST (return on equity)0· sector 27
HEALTH (low debt)97· sector 98
DIVIDEND (yield)71· sector 55
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.
Cite: Fair Value Calculator (2026). "Monalisa Fair Value". https://www.fairvalue-calculator.com/stock/012690
Frequently asked questions
Is Monalisa (012690) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 696.27 KRW versus a price of 1,400 KRW, about −50% upside (overvalued).
What is the fair value of 012690?
Our model-based fair value for Monalisa is 696.27 KRW (as of Sep 24, 2026), built from audited fundamentals. The current price: 1,400 KRW.
What is the quality score of 012690?
Monalisa has a Quality Score of 54/100. 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 Monalisa (012690)?
Our model-based price target is the fair value of 696.27 KRW (as of Sep 24, 2026) from 13 valuation models. Cautious scenario 522.20 KRW, optimistic scenario 870.33 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the Monalisa stock forecast for 2026?
Our models put fair value at 696.27 KRW, about −50% upside versus a price of 1,400 KRW (overvalued). Cautious scenario 522.20 KRW, optimistic scenario 870.33 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of Monalisa (012690)?
Monalisa reported trailing-twelve-month revenue of about 109B KRW (latest available figure, as of Sep 24, 2026).
Does Monalisa pay a dividend?
Monalisa currently shows a dividend yield of about 3.57% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Monalisa (012690)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Monalisa it is 696.27 KRW per share (as of Sep 24, 2026), against a price of 1,400 KRW. It is the blended result of 13 valuation models (cash flow, earnings, asset, dividend).
Is Monalisa stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 012690 trades above its calculated fair value: price 1,400 KRW, fair value 696.27 KRW, a gap of about −50% (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 012690?
No. The price is what the market pays today (1,400 KRW); the fair value is what the company's own numbers justify (696.27 KRW). For Monalisa the two are 703.73 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is Monalisa worth?
The market values Monalisa at about 61.8B KRW (market capitalisation, as of Sep 24, 2026). Per share that is 1,400 KRW; our models calculate a fair value of 696.27 KRW per share.
What do the bullish and bearish scenarios say about 012690?
Our models span a range for Monalisa: cautious scenario 522.20 KRW, base 696.27 KRW, optimistic 870.33 KRW per share (as of Sep 24, 2026, price 1,400 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Monalisa (012690)?
Balance-sheet figures for Monalisa (as of Sep 24, 2026): return on equity −1.3%, debt of 0.06 per unit of equity. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is 012690 from its 52-week high?
Monalisa trades at 1,400 KRW, about 43% below its 52-week high of 2,465 KRW and 4% above the low of 1,344 KRW (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 696.27 KRW is for.
Which stocks are comparable to Monalisa?
From the same area (Consumer Defensive) we also value Colgate-Palmolive Company, Hindustan Unilever Limited, Kenvue Inc, Kimberly-Clark Corporation, 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 Monalisa stock attractive at the current price?
The data as of Sep 24, 2026: price 1,400 KRW, calculated fair value 696.27 KRW (−50%), Quality Score 54/100, from 13 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 012690 calculated?
We run Monalisa through 13 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 696.27 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 13.0 % above its aggregate fair value. Monalisa 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 Monalisa (012690)?
The closing price on Sep 23, 2026 was 1,400 KRW. Our model-based fair value is 696.27 KRW, about −50% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Monalisa right now?
The price sits above even our optimistic bull case (870.33 KRW). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (54/100) and above fair value, neither a clear bargain nor a standout compounder.
Key figures of Monalisa
How large is the market capitalisation of Monalisa (012690)?
The market capitalisation of Monalisa is 61.8B KRW (≈ $43.2M). 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 Monalisa (012690)?
The price-to-sales ratio of Monalisa is 0.57 (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 Monalisa (012690)?
The dividend yield of Monalisa is 3.6%. 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 Monalisa (012690)?
The net margin of Monalisa is 1.2% (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 Monalisa (012690)?
The return on equity (ROE) of Monalisa is −1.3% (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 Monalisa (012690)?
On an EBIT basis the return on assets of Monalisa is 2.9% (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 Monalisa (012690)?
The operating margin of Monalisa is −4.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Monalisa (012690)?
Revenue at Monalisa is growing −6.9% versus a year earlier (3y avg +0.9%). 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 Monalisa (012690)?
Earnings per share at Monalisa are growing −50.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Monalisa (012690) generate?
The free cash flow of Monalisa is −2.9B KRW (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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