UBcare. Co. Ltd (032620) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of UBcare. Co. Ltd KRW 4,320, price KRW 3,230, upside +33.7%, quality 60 out of 100. Calculated from audited financials with 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, dashed = 300-day average. As of Oct 3, 2026.
How to read this chart
60‑month range 2,680 KRW – 9,499 KRW · fair‑value band 3,244 KRW – 6,007 KRW · the 3,230 KRW price screens below the 4,320 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 3, 2026.
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UBcare. Co., Ltd. provides health care solutions in South Korea and internationally.
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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.
Stock analysis
UBcare. Co. Ltd (032620) currently trades at 3,230 KRW, while our model-based Fair Value estimate is 4,320 KRW, implying the stock looks roughly 25.2% undervalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of 14,400 KRW per share, and 14 of the 24 models we run sit above the 3,230 KRW price.
Bear case: the Economic Profit group reads lowest at 883.85 KRW, and 10 of the 24 models stay below the price. Evidence for this calculation is medium.
Scenario range: 3,244 KRW (bear) to 6,007 KRW (bull), the price of 3,230 KRW sits below 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 60/100 (solid quality), in the Technology sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
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.
Key figures
Market cap 164B KRW (≈ $122M) · P/S ratio 1.16 · Dividend yield 1.3% · Net margin 18.7% · Return on equity 116% · Return on assets (EBIT) 4.2% · Operating margin 5.2% · Revenue (TTM) 128B KRW.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 55 out of 100 (medium confidence).
What moves the price
The share trades about 25% below its 52-week high and 21% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at 10% fair-value upside, at 34%, 032620 screens cheaper than that median.
Fair Value models
Bear 3,244 KRWFair Value 4,320 KRWBull 6,007 KRW
Price 3,230 KRW · Upside +33.7%
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.
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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+3.7%
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.
+14.0%
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.
+12.9%
Start year 2020 (pandemic). Over 10 years: +12.8% a year
Revenue growth 14 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.
+9.3%
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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.
+41.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+40.3%
Dividend (yield on the price)1.3%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.40.3% vs 19.0%, picking up
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% → 4%
Start year 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more 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).
+25.6%
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 +23.0% a year for the price.
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.Software & IT Services · 36 stocks
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.
Is UBcare. Co. Ltd (032620) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of 4,320 KRW versus a price of 3,230 KRW, about +34% upside (undervalued).
What is the fair value of 032620?
Our model-based fair value for UBcare. Co. Ltd is 4,320 KRW (as of Oct 3, 2026), built from audited fundamentals. The current price: 3,230 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 price target for UBcare. Co. Ltd (032620)?
Our model-based price target is the fair value of 4,320 KRW (as of Oct 3, 2026) from 24 valuation models. Cautious scenario 3,244 KRW, optimistic scenario 6,007 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the UBcare. Co. Ltd stock forecast for 2026?
Our models put fair value at 4,320 KRW, about +34% upside versus a price of 3,230 KRW (undervalued). Cautious scenario 3,244 KRW, optimistic scenario 6,007 KRW. The calculation is refreshed regularly with new filings.
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 Oct 3, 2026).
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 Oct 3, 2026).
What growth is priced into UBcare. Co. Ltd (032620)?
For today's price to be fair in a discounted-cash-flow model, UBcare. Co. Ltd would have to grow free cash flow by +25.6 % per year for five years (discount rate 14.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +12.9 % per year. As of Oct 3, 2026.
What discount rate (WACC) does the fair value of 032620 use?
Our models discount UBcare. Co. Ltd at 14.3 %: a base by market capitalisation (micro), damped by beta 1.34, 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 UBcare. Co. Ltd that is +25.6 % per year a year over ten years, using the same discount rate (14.3 %) and the same formula as our fair value.
How much growth has UBcare. Co. Ltd (032620) delivered so far?
Over the past 5 years revenue at UBcare. Co. Ltd grew +12.9 % a year. The price currently implies +25.6 % 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 UBcare. Co. Ltd (032620) growing?
The median revenue growth in the sector is +5.2 % a year. That is the yardstick for the growth priced into UBcare. Co. Ltd (+25.6 % 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 UBcare. Co. Ltd (032620)?
The free-cash-flow yield on the price is 3.42 %: that much free cash flow UBcare. Co. Ltd produces per unit of market value. When it exceeds the discount rate of our models (14.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of UBcare. Co. Ltd (032620)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For UBcare. Co. Ltd it is 4,320 KRW per share (as of Oct 3, 2026), against a price of 3,230 KRW. It is the blended result of 24 valuation models (cash flow, earnings, asset, dividend).
Is UBcare. Co. Ltd stock overvalued or undervalued in 2026?
As of Oct 3, 2026, 032620 trades below its calculated fair value: price 3,230 KRW, fair value 4,320 KRW, a gap of about +34% (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 032620?
No. The price is what the market pays today (3,230 KRW); the fair value is what the company's own numbers justify (4,320 KRW). For UBcare. Co. Ltd the two are 1,090 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is UBcare. Co. Ltd worth?
The market values UBcare. Co. Ltd at about 164B KRW (market capitalisation, as of Oct 3, 2026). Per share that is 3,230 KRW; our models calculate a fair value of 4,320 KRW per share.
What do the bullish and bearish scenarios say about 032620?
Our models span a range for UBcare. Co. Ltd: cautious scenario 3,244 KRW, base 4,320 KRW, optimistic 6,007 KRW per share (as of Oct 3, 2026, price 3,230 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of UBcare. Co. Ltd (032620)?
Balance-sheet figures for UBcare. Co. Ltd (as of Oct 3, 2026): return on equity 116.1%, debt of 0.02 per unit of equity. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is 032620 from its 52-week high?
UBcare. Co. Ltd trades at 3,230 KRW, about 25% below its 52-week high of 4,330 KRW and 21% above the low of 2,680 KRW (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of 4,320 KRW is for.
Which stocks are comparable to UBcare. Co. Ltd?
From the same area (Technology) we also value KINX, Inc, Wemade Co, Gabia Inc, Hancom Inc, 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 UBcare. Co. Ltd stock attractive at the current price?
The data as of Oct 3, 2026: price 3,230 KRW, calculated fair value 4,320 KRW (+34%), Quality Score 60/100, from 24 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 032620 calculated?
We run UBcare. Co. Ltd through 24 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 4,320 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 14.9 % above its aggregate fair value. UBcare. Co. Ltd currently trades 25 % 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 UBcare. Co. Ltd (032620)?
The closing price on Oct 2, 2026 was 3,230 KRW. Our model-based fair value is 4,320 KRW, about +34% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with UBcare. Co. Ltd right now?
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 (3,244 KRW to 6,007 KRW) leaves room in how you read the outcome.
Key figures of UBcare. Co. Ltd
How large is the market capitalisation of UBcare. Co. Ltd (032620)?
The market capitalisation of UBcare. Co. Ltd is 164B KRW (≈ $122M). 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 UBcare. Co. Ltd (032620)?
The price-to-sales ratio of UBcare. Co. Ltd is 1.16 (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 UBcare. Co. Ltd (032620)?
The dividend yield of UBcare. Co. Ltd is 1.3%. 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 UBcare. Co. Ltd (032620)?
The net margin of UBcare. Co. Ltd is 18.7% (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 UBcare. Co. Ltd (032620)?
The return on equity (ROE) of UBcare. Co. Ltd is 116% (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 UBcare. Co. Ltd (032620)?
On an EBIT basis the return on assets of UBcare. Co. Ltd is 4.2% (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 UBcare. Co. Ltd (032620)?
The operating margin of UBcare. Co. Ltd is 5.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at UBcare. Co. Ltd (032620)?
Revenue at UBcare. Co. Ltd is growing +28.7% versus a year earlier (3y avg +14.0%). 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 UBcare. Co. Ltd (032620)?
Earnings per share at UBcare. Co. Ltd are growing +4.3% versus a year earlier. How much earnings per share grew versus a year earlier.
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