NICE Information Service Co. Ltd (030190) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of NICE Information Service Co. Ltd KRW 25,622, price KRW 15,590, upside +64.4%, quality 75 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 7,183 KRW – 22,076 KRW · fair‑value band 12,864 KRW – 34,635 KRW · the 15,590 KRW price screens below the 25,622 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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NICE Information Service Co., Ltd. provides credit evaluation, credit inquiries, credit investigations, and debt collection services in South Korea. The company offers credit and corporate information and consulting services. It also offers management consulting and data analysis services.
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NICE Information Service Co., Ltd. provides credit evaluation, credit inquiries, credit investigations, and debt collection services in South Korea. The company offers credit and corporate information and consulting services. It also offers management consulting and data analysis services. In addition, the company provides construction and development related services. NICE Information Service Co., Ltd. was founded in 1985 and is headquartered in Seoul, South Korea.
Stock analysis
NICE Information Service Co. Ltd (030190) currently trades at 15,590 KRW, while our model-based Fair Value estimate is 25,622 KRW, implying the stock looks roughly 39.2% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of 26,428 KRW per share, and 7 of the 11 models we run sit above the 15,590 KRW price.
Bear case: the Asset-Based group reads lowest at 5,314 KRW, and 4 of the 11 models stay below the price. Evidence for this calculation is medium.
Scenario range: 12,864 KRW (bear) to 34,635 KRW (bull), the price of 15,590 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 75/100 (high quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
NICE Information Service Co. Ltd reported revenue of 602B KRW in FY2025 versus 485B KRW in FY2021, a compound +5.6%/yr. Reported net income was 77.2B KRW in FY2025, compounding +9.0%/yr from FY2021.
Key figures
Market cap 913B KRW (≈ $639M) · P/S ratio 1.39 · Dividend yield 3.3% · Net margin 12.8% · Return on equity 19.3% · Return on assets (EBIT) 15.2% · Operating margin 18.9% · Revenue (TTM) 616B KRW.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).
What moves the price
The share trades about 12% below its 52-week high and 23% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 64%, 030190 screens cheaper than that median.
Fair Value models
Bear 12,864 KRWFair Value 25,622 KRWBull 34,635 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.82/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+12.5%
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.
+7.9%
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.
+6.2%
Start year 2020 (pandemic)
’20
’21
’22
’23
’24
’25
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.
+12.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+9.1%
Dividend (yield on the price)3.3%
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.14% → 17%
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).
−7.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (South Korea: IMF forecast 2.1% a year to 2030, 2.1% from 2016 to 2025) that is about −9.4% a year for the price.
Compare NICE Information Service Co. Ltd with another stock
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.Credit Services · 330 stocks
Beats the industry median on 7/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score75 · Top 25%
Fair Value upside+64% · Above median
Profitability
Return on equity (TTM)19% · Top 25%
Return on assets11% · Top 25%
Net margin (TTM)14% · Below median
Operating margin (TTM)19% · Below median
Growth and dividend
Revenue growth10% · Above median
Dividend yield (TTM)3.3% · Below median
Balance sheet
Debt / equity0.00× · Lowest 25%
Valuation Multiplesvs Credit Services 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). "NICE Information Service Co. Ltd Fair Value". https://www.fairvalue-calculator.com/stock/030190
Frequently asked questions
Is NICE Information Service Co. Ltd (030190) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 25,622 KRW versus a price of 15,590 KRW, about +64% upside (undervalued).
What is the fair value of 030190?
Our model-based fair value for NICE Information Service Co. Ltd is 25,622 KRW (as of Sep 24, 2026), built from audited fundamentals. The current price: 15,590 KRW.
What is the quality score of 030190?
NICE Information Service Co. Ltd has a Quality Score of 75/100. 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 NICE Information Service Co. Ltd (030190)?
Our model-based price target is the fair value of 25,622 KRW (as of Sep 24, 2026) from 11 valuation models. Cautious scenario 12,864 KRW, optimistic scenario 34,635 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the NICE Information Service Co. Ltd stock forecast for 2026?
Our models put fair value at 25,622 KRW, about +64% upside versus a price of 15,590 KRW (undervalued). Cautious scenario 12,864 KRW, optimistic scenario 34,635 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of NICE Information Service Co. Ltd (030190)?
NICE Information Service Co. Ltd reported trailing-twelve-month revenue of about 616B KRW (latest available figure, as of Sep 24, 2026).
Does NICE Information Service Co. Ltd pay a dividend?
NICE Information Service Co. Ltd currently shows a dividend yield of about 3.27% relative to its recent price (as of Sep 24, 2026).
What growth is priced into NICE Information Service Co. Ltd (030190)?
For today's price to be fair in a discounted-cash-flow model, NICE Information Service Co. Ltd would have to grow free cash flow by -7.5 % per year for five years (discount rate 10.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +6.2 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 030190 use?
Our models discount NICE Information Service Co. Ltd at 10.2 %: a base by market capitalisation (small), damped by beta 0.17, country premium for South Korea. 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 NICE Information Service Co. Ltd that is -7.5 % per year a year over ten years, using the same discount rate (10.2 %) and the same formula as our fair value.
How much growth has NICE Information Service Co. Ltd (030190) delivered so far?
Over the past 5 years revenue at NICE Information Service Co. Ltd grew +6.2 % a year. The price currently implies -7.5 % per year free-cash-flow growth a 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 NICE Information Service Co. Ltd (030190) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into NICE Information Service Co. Ltd (-7.5 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of NICE Information Service Co. Ltd (030190)?
The free-cash-flow yield on the price is 12.19 %: that much free cash flow NICE Information Service Co. Ltd produces per unit of market value. When it exceeds the discount rate of our models (10.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of NICE Information Service Co. Ltd (030190)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For NICE Information Service Co. Ltd it is 25,622 KRW per share (as of Sep 24, 2026), against a price of 15,590 KRW. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is NICE Information Service Co. Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 030190 trades below its calculated fair value: price 15,590 KRW, fair value 25,622 KRW, a gap of about +64% (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 030190?
No. The price is what the market pays today (15,590 KRW); the fair value is what the company's own numbers justify (25,622 KRW). For NICE Information Service Co. Ltd the two are 10,032 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is NICE Information Service Co. Ltd worth?
The market values NICE Information Service Co. Ltd at about 913B KRW (market capitalisation, as of Sep 24, 2026). Per share that is 15,590 KRW; our models calculate a fair value of 25,622 KRW per share.
What do the bullish and bearish scenarios say about 030190?
Our models span a range for NICE Information Service Co. Ltd: cautious scenario 12,864 KRW, base 25,622 KRW, optimistic 34,635 KRW per share (as of Sep 24, 2026, price 15,590 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of NICE Information Service Co. Ltd (030190)?
Balance-sheet figures for NICE Information Service Co. Ltd (as of Sep 24, 2026): return on equity 19.3%, debt of 0.00 per unit of equity. They feed the Quality Score of 75/100, which measures business quality independently of the share price.
How far is 030190 from its 52-week high?
NICE Information Service Co. Ltd trades at 15,590 KRW, about 12% below its 52-week high of 17,650 KRW and 23% above the low of 12,665 KRW (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 25,622 KRW is for.
Which stocks are comparable to NICE Information Service Co. Ltd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial 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 NICE Information Service Co. Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price 15,590 KRW, calculated fair value 25,622 KRW (+64%), Quality Score 75/100, from 11 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 030190 calculated?
We run NICE Information Service Co. Ltd through 11 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 25,622 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 14.1 % above its aggregate fair value. NICE Information Service Co. Ltd currently trades 64 % 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 NICE Information Service Co. Ltd (030190)?
The closing price on Sep 23, 2026 was 15,590 KRW. Our model-based fair value is 25,622 KRW, about +64% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with NICE Information Service Co. Ltd right now?
The rarer combination: high quality (75/100) AND below fair value. That earns a closer look rather than a quick verdict. The model range is unusually wide (12,864 KRW to 34,635 KRW). The outcome hinges heavily on assumptions, so read the point estimate with caution. 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 NICE Information Service Co. Ltd
How large is the market capitalisation of NICE Information Service Co. Ltd (030190)?
The market capitalisation of NICE Information Service Co. Ltd is 913B KRW (≈ $639M). 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 NICE Information Service Co. Ltd (030190)?
The price-to-sales ratio of NICE Information Service Co. Ltd is 1.39 (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 NICE Information Service Co. Ltd (030190)?
The dividend yield of NICE Information Service Co. Ltd is 3.3%. 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 NICE Information Service Co. Ltd (030190)?
The net margin of NICE Information Service Co. Ltd is 12.8% (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 NICE Information Service Co. Ltd (030190)?
The return on equity (ROE) of NICE Information Service Co. Ltd is 19.3% (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 NICE Information Service Co. Ltd (030190)?
On an EBIT basis the return on assets of NICE Information Service Co. Ltd is 15.2% (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 NICE Information Service Co. Ltd (030190)?
The operating margin of NICE Information Service Co. Ltd is 18.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at NICE Information Service Co. Ltd (030190)?
Revenue at NICE Information Service Co. Ltd is growing +9.7% versus a year earlier (3y avg +7.9%). 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 NICE Information Service Co. Ltd (030190)?
Earnings per share at NICE Information Service Co. Ltd are growing +32.1% versus a year earlier. How much earnings per share grew versus a year earlier.
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