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UBcare. Co. Ltd (032620) Fair Value & Analysis

Technology · KR · Market cap 149B KRW

UC UBcare. Co. Ltd 032620 · KQ
Price3,040 KRW
Fair Value4,805 KRW
Upside+58.1%
Quality60/100
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Expensive Growth
Thin margins · 5.2% net margin
Low debt · generates free cash flow
1.28% dividend yield
Ranks above peers (7/10)
Moderate moat 58/100
Evidence: Medium Range 3,604 KRW – 6,653 KRW Share as image

Fair value as of: Aug 13, 2026

From 24 valuation models · updated 6 days ago

Fair value updated Aug 13, 2026, revised from 8,936 KRW to 4,805 KRW (−46.2%) since Jul 20, 2026. Share price +6.1% over the past month.

A solid business, screening 58% undervalued on our models.

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What matters now

  • The price is below even our cautious bear case (3,604 KRW). The market is more pessimistic than our downside scenario.
  • Solid quality (60/100) at a price below fair value, the discount is the argument here, not the business quality.
  • A fairly wide model range (3,604 KRW to 6,653 KRW) leaves room in how you read the outcome.
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Price vs Fair Value (5 years)

9,499 KRW 2,680 KRW Fair Value 4,805 KRW Mar 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.

How to read this chart

60‑month range 2,680 KRW – 9,499 KRW · fair‑value band 3,604 KRW – 6,653 KRW · the 3,040 KRW price screens below the 4,805 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

UBcare. Co. Ltd (032620) currently trades at 3,040 KRW, while our model-based Fair Value estimate is 4,805 KRW, implying the stock looks roughly 58.1% undervalued today. The Quality Score stands at 60/100 (solid quality), in the Technology sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium), always confirm before acting.

Over the trailing twelve months, UBcare. Co. Ltd generated revenue of 128B KRW at a net margin of 5.2%. Revenue grew 28.7% year over year. It earns a return on equity of 116.1%. Fundamentals as of Aug 13, 2026

Our scenario range runs from 3,604 KRW (bear case) to 6,653 KRW (bull case); at 3,040 KRW, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 31% below its 52-week high and 2% above its 52-week low, currently below its 200-day average. For context, the median of 10 Technology peers we cover trades at 8% fair-value upside, at 58%, 032620 screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

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
Highest evidence
Growth DCF 1,570 KRW 2,657 KRW 4,512 KRW 80
Residual Income 4,900 KRW 6,655 KRW 39,650 KRW 76
Rev-Margin DCF 1,544 KRW 2,608 KRW 3,995 KRW 74
All 24 models by family
DCF Models
FCF DCF 1,583 KRW 2,775 KRW 4,870 KRW 38
Owner Earnings 8,961 KRW 16,291 KRW 29,175 KRW 31
5Y Revenue Exit 1,544 KRW 2,640 KRW 4,140 KRW 39
5Y EBITDA Exit 2,719 KRW 5,081 KRW 8,097 KRW 41
5Y P/E Exit 8,166 KRW 16,394 KRW 26,027 KRW 38
10Y Revenue Exit 1,497 KRW 2,548 KRW 4,182 KRW 36
10Y EBITDA Exit 2,327 KRW 4,344 KRW 7,519 KRW 37
10Y P/E Exit 5,950 KRW 12,670 KRW 22,638 KRW 35
Earnings-Based
Graham-Dodd 4,940 KRW 23,513 KRW 32,350 KRW 54
Lynch FV 6,255 KRW 8,936 KRW 11,617 KRW 50
PEG = 1.0 6,255 KRW 8,936 KRW 11,617 KRW 46
EPV 1,023 KRW 1,169 KRW 1,296 KRW 59
Multiples
P/E Multiple 11,987 KRW 15,983 KRW 19,979 KRW 63
P/S Multiple 9,263 KRW 12,350 KRW 15,438 KRW 58
P/B Multiple 9,263 KRW 12,350 KRW 15,438 KRW 55
EV/EBIT 2,093 KRW 2,740 KRW 3,388 KRW 53
EV/EBITDA 3,500 KRW 4,616 KRW 5,732 KRW 54
EV/Revenue 1,537 KRW 2,131 KRW 2,725 KRW 43
Asset-Based
NCAV (Graham) 1,391 KRW 1,863 KRW 2,781 KRW 50
Growth DCF
Growth DCF 1,570 KRW 2,657 KRW 4,512 KRW 80
Rev-Margin DCF 1,544 KRW 2,608 KRW 3,995 KRW 74
Economic Profit
Residual Income 4,900 KRW 6,655 KRW 39,650 KRW 76
ROIC Compounder 1,023 KRW 1,169 KRW 1,296 KRW 72
Growth Earnings
Growth-Adj P/E 10,080 KRW 14,400 KRW 18,720 KRW 68

Widest divergence: Growth Earnings (14,400 KRW) versus Economic Profit (1,169 KRW). Highest evidence: Growth DCF (80).

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Key figures & financial health

Revenue (TTM) 128B KRW
Revenue growth (YoY) +28.7%
Net margin 5.2%
Return on equity 116%
Free cash flow 5.6B KRW FY2025
Operating margin 5.2%
More key figures
Dividend yield 1.3%
EPS growth (YoY) +4.3%

Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 60/100

Of which business quality 58 · Market factors (momentum, volatility) 23

Profitability 81
Margins and returns on capital today
Quality Growth 48
Are margins and returns improving?
Cashflow 16
Earnings quality: real cash, not paper profit
Fin. Strength 67
Balance sheet, leverage, solvency risk
Investment 62
Disciplined investing over empire-building
Low Volatility 46
Calm price path (market factor)
Momentum 12
Price trend over the last 3–12 months (market factor)
52W Momentum 15
Distance to the 52-week high (market factor)
Net Issuance 82
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

UBcare. Co., Ltd. provides health care solutions in South Korea and internationally. The company offers medical IT services, such as Ysarang, an EMR system for hospital/clinic use; and U Pharm, an integrated management control system for pharmacies, hospitals, clinics, and pharmacy environments; and Big Ysarang, an EMR system for small and medium-sized …

Full company description

UBcare. Co., Ltd. provides health care solutions in South Korea and internationally. The company offers medical IT services, such as Ysarang, an EMR system for hospital/clinic use; and U Pharm, an integrated management control system for pharmacies, hospitals, clinics, and pharmacy environments; and Big Ysarang, an EMR system for small and medium-sized hospitals, as well as customer management and media services. It is also involved in the medical distribution business that suggests products and services, such as high-technology medical equipment/devices for hospitals, clinics, pharmacies, medical e-commerce businesses, and shop-in-shop for health functional food; and provision of customized services. In addition, the company engages in the pharmaceutical marketing business; and provision of U-healthcare solution that offers digitalized hospital solution and healthcare service for personnel. Further, it operates digital hospital in Thailand. Its healthcare network covers 30,000 hospitals/clinics, pharmacies, 17 agencies, and 1.2 million members of healthkorea.net. The company was founded in 1992 and is based in Seoul, South Korea.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

UBcare. Co. Ltd reported revenue of 198B KRW in FY2025 versus 112B KRW in FY2021, a compound +15.3%/yr. Reported net income was 37.0B KRW in FY2025, compounding +29.1%/yr from FY2021.

Growth Quality 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Latest Revenue (FY 2025)
198B KRW
Latest YoY
+3.7%
Avg. growth/yr (3Y) 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.
+14.0%
Avg. growth/yr (5Y) 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.
+12.9%
Avg. growth/yr (14Y) 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.
+9.3%
Revenue +15.3%/yr
FY21 112B KRW
FY22 133B KRW
FY23 154B KRW
FY24 191B KRW
FY25 198B KRW
Net income +29.1%/yr
FY21 13.3B KRW
FY22 3.6B KRW
FY23 −1.7B KRW
FY24 −1.6B KRW
FY25 37.0B KRW

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Cite: Fair Value Calculator (2026). "UBcare. Co. Ltd Fair Value". https://www.fairvalue-calculator.com/stock/032620

Peer Group

Software & IT Services · 34 stocks

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.

Quality Score 60 · Above median
Fair Value upside +58% · Above median
Return on equity (TTM) 116% · Below median
Return on assets 3% · Above median
Net margin (TTM) 5% · Below median
Operating margin (TTM) 5% · Above median
Revenue growth 29% · Top 25%
Dividend yield (TTM) 1.3% · Above median
Debt / equity 0.02× · Lower than median

Valuation Multiples vs Software & IT Services median · lower = cheaper

P/FCF 0.0× · Pricier than median

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE100 · sector 43
FUTURE100 · sector 11
PAST100 · sector 100
HEALTH99 · sector 99
DIVIDEND26 · sector 26

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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10 more Software & IT Services stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).

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Frequently asked questions

Is UBcare. Co. Ltd (032620) overvalued or undervalued?
As of Aug 13, 2026, our model estimates a fair value of 4,805 KRW versus a price of 3,040 KRW, about +58% (undervalued).
What is the fair value of 032620?
Our model-based fair value for UBcare. Co. Ltd is 4,805 KRW (as of Aug 13, 2026), built from audited fundamentals. The current price: 3,040 KRW.
What is the quality score of 032620?
UBcare. Co. Ltd has a Quality Score of 60/100. 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 revenue of UBcare. Co. Ltd (032620)?
UBcare. Co. Ltd reported trailing-twelve-month revenue of about 128B KRW (latest available figure, as of Aug 13, 2026).
What is the net profit margin of 032620?
The net profit margin of UBcare. Co. Ltd is about 5.2%, meaning it keeps roughly 5.2% of revenue as net income. Based on the latest reported figures.
Does UBcare. Co. Ltd pay a dividend?
UBcare. Co. Ltd currently shows a dividend yield of about 1.28% relative to its recent price (as of Aug 13, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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