NICE Holdings Co. Ltd (034310) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of NICE Holdings Co. Ltd KRW 9,322, price KRW 11,750, upside -20.7%, quality 62 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 9,229 KRW – 16,449 KRW · fair‑value band 7,219 KRW – 12,074 KRW · the 11,750 KRW price screens above the 9,322 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 Holdings Co., Ltd. provides credit information services in South Korea, Europe, China, and internationally.
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NICE Holdings Co., Ltd. provides credit information services in South Korea, Europe, China, and internationally. It offers rating services, such as personal credit assessment, credit rating of individual business operators, corporate credit rating, tech credit bureau, and ESG assessment; credit rating for corporate bonds and commercial papers, credit rating for short-term bonds and asset-backed securities, and business feasibility assessment services; and bond asset mark to market, ELS/DLS fair valuation, and alternative investment fair valuation services. The company also provides payment services, including offline (VAN) and online (PG) payment processing, and cash payment services; and manufactures and sells POS/CAT terminals and kiosks, as well as manages investments in equities and bonds. In addition, it produces and supplies various system semiconductor products for mobile, wearable devices, home appliances, and automobiles; protective circuits for secondary batteries; and aluminum alloy materials, such as bumper structural materials and EV battery parts for mobility solutions. Further, the company manufactures power supply devices used for IT and industrial appliances; beauty devices comprising UP6, time machine, hot and cool, UPS, ray, and cover and clean; and food and industrial packing material solutions; and provides electronics manufacturing services, such as payment terminals and kiosks. Additionally, it is involved in aluminum billet cast and extrusion, eco-friendly wrappers, cable communication equipment, and Korean restaurant businesses; and provision of asset management, real estate rental, big data analysis, consulting, data processing, electronic bill brokerage, parking system and management, ad-agency, bond pricing, payment gateway, and credit card transaction services, as well as manufactures and sales of secondary battery protection circuit. NICE Holdings Co., Ltd. was incorporated in 1986 and is based in Seoul, South Korea.
Stock analysis
NICE Holdings Co. Ltd (034310) currently trades at 11,750 KRW, while our model-based Fair Value estimate is 9,322 KRW, implying the stock looks roughly 26.1% overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of 17,029 KRW per share, and 11 of the 11 models we run sit above the 11,750 KRW price.
Bear case: the Multiples group reads lowest at 14,083 KRW, and 0 of the 11 models stay below the price. Evidence for this calculation is medium.
Scenario range: 7,219 KRW (bear) to 12,074 KRW (bull), the price of 11,750 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 62/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
NICE Holdings Co. Ltd reported revenue of 3.2T KRW in FY2025 versus 2.4T KRW in FY2021, a compound +7.3%/yr. Reported net income was 37.6B KRW in FY2025, compounding −10.3%/yr from FY2021.
Key figures
Market cap 408B KRW (≈ $286M) · P/S ratio 0.13 · Dividend yield 4.8% · Net margin 1.2% · Return on equity 7.0% · Return on assets (EBIT) 4.4% · Operating margin 5.4% · Revenue (TTM) 3.3T KRW.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 21% below its 52-week high and 9% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −26% fair-value upside, at −21%, 034310 screens cheaper than that median.
Fair Value models
Bear 7,219 KRWFair Value 9,322 KRWBull 12,074 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.80/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+6.7%
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.
+5.6%
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.
+9.5%
Start year 2020 (pandemic). Over 10 years: +11.5% a year
Revenue growth 22 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.
+14.4%
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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.
+11.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+7.0%
Dividend (yield on the price)4.8%
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% → 6%
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.Financial Data & Stock Exchanges · 55 stocks
Beats the industry median on 3/10 measures
Overall it trails its industry peers.
Valuation
Quality Score62 · Below median
Fair Value upside−21% · Above median
Profitability
Return on equity (TTM)7% · Bottom 25%
Return on assets4% · Below median
Net margin (TTM)1% · Bottom 25%
Operating margin (TTM)5% · Bottom 25%
Growth and dividend
Revenue growth6% · Bottom 25%
Dividend yield (TTM)4.8% · Top 25%
Balance sheet
Debt / equity0.16× · Above median
Valuation Multiplesvs Financial Data & Stock Exchanges median · lower = cheaper
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Is NICE Holdings Co. Ltd (034310) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 9,322 KRW versus a price of 11,750 KRW, about −21% upside (overvalued).
What is the fair value of 034310?
Our model-based fair value for NICE Holdings Co. Ltd is 9,322 KRW (as of Sep 24, 2026), built from audited fundamentals. The current price: 11,750 KRW.
What is the quality score of 034310?
NICE Holdings Co. Ltd has a Quality Score of 62/100. 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 Holdings Co. Ltd (034310)?
Our model-based price target is the fair value of 9,322 KRW (as of Sep 24, 2026) from 11 valuation models. Cautious scenario 7,219 KRW, optimistic scenario 12,074 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the NICE Holdings Co. Ltd stock forecast for 2026?
Our models put fair value at 9,322 KRW, about −21% upside versus a price of 11,750 KRW (overvalued). Cautious scenario 7,219 KRW, optimistic scenario 12,074 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of NICE Holdings Co. Ltd (034310)?
NICE Holdings Co. Ltd reported trailing-twelve-month revenue of about 3.3T KRW (latest available figure, as of Sep 24, 2026).
Does NICE Holdings Co. Ltd pay a dividend?
NICE Holdings Co. Ltd currently shows a dividend yield of about 4.77% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of NICE Holdings Co. Ltd (034310)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For NICE Holdings Co. Ltd it is 9,322 KRW per share (as of Sep 24, 2026), against a price of 11,750 KRW. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is NICE Holdings Co. Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 034310 trades above its calculated fair value: price 11,750 KRW, fair value 9,322 KRW, a gap of about −21% (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 034310?
No. The price is what the market pays today (11,750 KRW); the fair value is what the company's own numbers justify (9,322 KRW). For NICE Holdings Co. Ltd the two are 2,428 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is NICE Holdings Co. Ltd worth?
The market values NICE Holdings Co. Ltd at about 408B KRW (market capitalisation, as of Sep 24, 2026). Per share that is 11,750 KRW; our models calculate a fair value of 9,322 KRW per share.
What do the bullish and bearish scenarios say about 034310?
Our models span a range for NICE Holdings Co. Ltd: cautious scenario 7,219 KRW, base 9,322 KRW, optimistic 12,074 KRW per share (as of Sep 24, 2026, price 11,750 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of NICE Holdings Co. Ltd (034310)?
Balance-sheet figures for NICE Holdings Co. Ltd (as of Sep 24, 2026): return on equity 7.0%, debt of 0.16 per unit of equity. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is 034310 from its 52-week high?
NICE Holdings Co. Ltd trades at 11,750 KRW, about 21% below its 52-week high of 14,816 KRW and 9% above the low of 10,810 KRW (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 9,322 KRW is for.
Which stocks are comparable to NICE Holdings Co. Ltd?
From the same area (Financial Services) we also value S&P Global Inc, CME Group, Moody's Corporation, Intercontinental Exchange, 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 NICE Holdings Co. Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price 11,750 KRW, calculated fair value 9,322 KRW (−21%), Quality Score 62/100, 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 034310 calculated?
We run NICE Holdings 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 9,322 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 13.2 % above its aggregate fair value. NICE Holdings Co. Ltd 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 NICE Holdings Co. Ltd (034310)?
The closing price on Sep 23, 2026 was 11,750 KRW. Our model-based fair value is 9,322 KRW, about −21% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with NICE Holdings Co. Ltd right now?
Solid but not exceptional quality (62/100) and above fair value, neither a clear bargain nor a standout compounder. 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 Holdings Co. Ltd
How large is the market capitalisation of NICE Holdings Co. Ltd (034310)?
The market capitalisation of NICE Holdings Co. Ltd is 408B KRW (≈ $286M). 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 Holdings Co. Ltd (034310)?
The price-to-sales ratio of NICE Holdings Co. Ltd is 0.13 (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 Holdings Co. Ltd (034310)?
The dividend yield of NICE Holdings Co. Ltd is 4.8%. 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 Holdings Co. Ltd (034310)?
The net margin of NICE Holdings Co. Ltd 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 NICE Holdings Co. Ltd (034310)?
The return on equity (ROE) of NICE Holdings Co. Ltd is 7.0% (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 Holdings Co. Ltd (034310)?
On an EBIT basis the return on assets of NICE Holdings Co. Ltd is 4.4% (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 Holdings Co. Ltd (034310)?
The operating margin of NICE Holdings Co. Ltd is 5.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at NICE Holdings Co. Ltd (034310)?
Revenue at NICE Holdings Co. Ltd is growing +5.9% versus a year earlier (3y avg +5.6%). 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 Holdings Co. Ltd (034310)?
Earnings per share at NICE Holdings Co. Ltd are growing +77.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does NICE Holdings Co. Ltd (034310) generate?
The free cash flow of NICE Holdings Co. Ltd is 308B KRW (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does NICE Holdings Co. Ltd (034310) carry?
The net debt of NICE Holdings Co. Ltd is 156B KRW (fiscal year 2025, ≈ 0.5 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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