NICE Information Service Co. Ltd (030190) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of NICE Information Service Co. Ltd stock KRW 25,401, price KRW 17,850, upside +42.3%, quality 75 out of 100. Rating: undervalued. Calculated from audited financials with 13 of our 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 7, 2026.
How to read this chart
60‑month range 7,183 KRW – 22,076 KRW · fair‑value band 12,912 KRW – 34,395 KRW · the 17,850 KRW price screens below the 25,401 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 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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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 17,850 KRW, while our model-based Fair Value estimate is 25,401 KRW, implying the stock looks roughly 30% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of 29,661 KRW per share, and 6 of the 13 models we run sit above the 17,850 KRW price.
Bear case: the Dividend Discount group reads lowest at 6,862 KRW, and 7 of the 13 models stay below the price. Data coverage for this calculation is high.
Scenario range: 12,912 KRW (bear) to 34,395 KRW (bull), the price of 17,850 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 1.0T KRW (≈ $773M) Small · P/E ratio 11.3 · P/S ratio 1.67 · EPS (TTM) 1,485 KRW · Dividend yield 2.9% · Net margin 13.8% · Return on equity 19.1% · Return on assets (EBIT) 15.2% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 69 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 36% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 42%, 030190 screens cheaper than that median.
Fair Value models
Bear12,912 KRWFair Value 25,401 KRWBull34,395 KRW
Price 17,850 KRW · Upside +42.3%
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 10 months old). Earnings retained since then (835.89 KRW 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.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.
+12.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+9.1%
Dividend (yield on the price)2.9%
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).
−4.8%
The company could shrink this much every year for the next five years and today's price would still be justified.
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 −6.7% 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 · 283 stocks
Beats the industry median on 7/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score75 · Top 25%
Fair Value upside+42.3% · Above median
Profitability
Return on equity (12 months)19.1% · Top 25%
Return on assets11.9% · Top 25%
Net margin (12 months)13.8% · Below median
Operating margin (12 months)20.1% · Below median
Growth and dividend
Revenue growth (quarter YoY)7.8% · Below median
Dividend yield (12 months)2.9% · Below median
Balance sheet
Debt / equity0.00× · Lowest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (12 months)11.3× · Pricier than median
P/B2.25× · Priciest 25%
P/S (12 months)1.67× · Cheaper than median
Price / free cash flow (fiscal year)9.4× · Pricier 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). "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 Nov 7, 2026, our model estimates a fair value of 25,401 KRW versus a price of 17,850 KRW, about +42% upside (undervalued).
What is the fair value of 030190?
Our model-based fair value for NICE Information Service Co. Ltd is 25,401 KRW (as of Nov 7, 2026), built from audited fundamentals. The current price: 17,850 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 25,401 KRW (as of Nov 7, 2026) from 13 valuation models. Cautious scenario 12,912 KRW, optimistic scenario 34,395 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 25,401 KRW, about +42% upside versus a price of 17,850 KRW (undervalued). Cautious scenario 12,912 KRW, optimistic scenario 34,395 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 628B KRW (latest available figure, as of Nov 7, 2026).
Does NICE Information Service Co. Ltd pay a dividend?
NICE Information Service Co. Ltd currently shows a dividend yield of 2.86% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of NICE Information Service Co. Ltd (030190) and when is the ex-dividend date?
NICE Information Service Co. Ltd pays a dividend of 510.00 KRW per share a year, a dividend yield of 2.9%. The last ex-dividend date was Mar 30, 2026. The payout ratio is 34.3% of earnings. Free cash flow covers the dividend 3.75 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 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 -4.8 % 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 Nov 7, 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 0.18, 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 -4.8 % per year for five years, then slowing evenly to 2 % by year ten, 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 free-cash-flow growth of -4.8 % 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 NICE Information Service Co. Ltd (030190) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into NICE Information Service Co. Ltd (-4.8 % per 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 10.64 %: 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 25,401 KRW per share (as of Nov 7, 2026), against a price of 17,850 KRW. It is the blended result of 13 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is NICE Information Service Co. Ltd stock overvalued or undervalued in 2026?
As of Nov 7, 2026, 030190 trades below its calculated fair value: price 17,850 KRW, fair value 25,401 KRW, a gap of about +42% (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 (17,850 KRW); the fair value is what the company's own numbers justify (25,401 KRW). For NICE Information Service Co. Ltd the two are 7,551 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 1.0T KRW (market capitalisation, as of Nov 7, 2026). Per share that is 17,850 KRW; our models calculate a fair value of 25,401 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 12,912 KRW, base 25,401 KRW, optimistic 34,395 KRW per share (as of Nov 7, 2026, price 17,850 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 030190?
NICE Information Service Co. Ltd trades at a price-to-earnings ratio of 11.3 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 25,401 KRW is built from several models across several years. Median P/E at fiscal year-end, 6 fiscal years (2020 to 2025), reported earnings, FY2025 ex one-offs: 13.4. Other multiples: P/B 2.3, P/S 1.7, EV/EBITDA 6.6.
How solid is the balance sheet of NICE Information Service Co. Ltd (030190)?
Balance-sheet figures for NICE Information Service Co. Ltd (as of Nov 7, 2026): return on equity 19.1%, 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 17,850 KRW, at its 52-week high of 17,870 KRW and 36% above the low of 13,100 KRW (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 25,401 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 Nov 7, 2026: price 17,850 KRW, calculated fair value 25,401 KRW (+42%), Quality Score 75/100, 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 030190 calculated?
We run NICE Information Service Co. Ltd through 13 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of 25,401 KRW 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 13.3% above its aggregate fair value. NICE Information Service Co. Ltd currently trades 30% 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 Nov 6, 2026 was 17,850 KRW. Our model-based fair value is 25,401 KRW, about +42% 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 (12,912 KRW to 34,395 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 1.0T KRW (≈ $773M). 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 1.67 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of NICE Information Service Co. Ltd (030190)?
Earnings per share at NICE Information Service Co. Ltd are 1,485 KRW (price ÷ EPS = P/E 11.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of NICE Information Service Co. Ltd (030190)?
The dividend yield of NICE Information Service Co. Ltd is 2.9% (payout 34.3%). 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 13.8% (last twelve months). 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 19.1% (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 20.1% (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 +7.8% 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 +14.2% versus a year earlier. How much earnings per share grew versus a year earlier.
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Broad data
Nov 7, 2026