SCI Information Service Inc (036120) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of SCI Information Service Inc KRW 2,671, price KRW 1,635, upside +63.4%, quality 82 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 1,465 KRW – 4,559 KRW · fair‑value band 2,003 KRW – 4,031 KRW · the 1,635 KRW price screens below the 2,671 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 24, 2026.
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Seoul Information Service Inc. provides credit information services in South Korea.
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Seoul Information Service Inc. provides credit information services in South Korea. It offers personal, sole proprietor, and corporate credit rating; technology credit evaluation; identity verification; corporate credit information inquiry; and debt collection/credit investigation services for public agency entry and private enterprises, as well as asset management services for proposed NPL assets. The company was formerly known as SCI Information Service Inc. and changed its name to Seoul Information Service Inc. in April 2025. Seoul Information Service Inc. was founded in 1992 and is headquartered in Seoul, South Korea.
Stock analysis
SCI Information Service Inc (036120) currently trades at 1,635 KRW, while our model-based Fair Value estimate is 2,671 KRW, implying the stock looks roughly 38.8% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 3,304 KRW per share, and 8 of the 10 models we run sit above the 1,635 KRW price.
Bear case: the Asset-Based group reads lowest at 637.20 KRW, and 2 of the 10 models stay below the price. Evidence for this calculation is medium.
Scenario range: 2,003 KRW (bear) to 4,031 KRW (bull), the price of 1,635 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 82/100 (high quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
SCI Information Service Inc reported revenue of 41.3B KRW in FY2025 versus 50.4B KRW in FY2021, a compound −4.9%/yr. Reported net income was 6.9B KRW in FY2025, compounding +4.4%/yr from FY2021.
Key figures
Market cap 55.2B KRW (≈ $40.5M) · P/S ratio 1.33 · Dividend yield 4.9% · Net margin 16.8% · Return on equity 19.4% · Return on assets (EBIT) 13.1% · Operating margin 3.0% · Revenue (TTM) 41.5B 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 26% below its 52-week high and 12% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −27% fair-value upside, at 63%, 036120 screens cheaper than that median.
Fair Value models
Bear 2,003 KRWFair Value 2,671 KRWBull 4,031 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.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+8.3%
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.
+0.3%
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.
−4.1%
Start year 2020 (pandemic). Over 10 years: +1.4% a year
Revenue growth 13 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.
+0.9%
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What shareholders gained per year (last 5 years), in KRW (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. 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.
−1.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year−6.1%
Dividend (yield on the price)4.9%
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.16% → 16%
2025 sits 200% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
⚠ Revenue per share shrinking 1.3%/yr over ~7Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
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).
−15.6%
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 −17.3% a year for the price.
Compare SCI Information Service Inc 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.Financial Data & Stock Exchanges · 55 stocks
Beats the industry median on 6/9 measures
Overall it ranks above its industry peers.
Valuation
Quality Score82 · Top 25%
Fair Value upside+63% · Top 25%
Profitability
Return on equity (TTM)19% · Above median
Return on assets11% · Top 25%
Net margin (TTM)15% · Bottom 25%
Operating margin (TTM)3% · Bottom 25%
Growth and dividend
Revenue growth3% · Bottom 25%
Dividend yield (TTM)4.9% · Top 25%
Valuation Multiplesvs Financial Data & Stock Exchanges median · lower = cheaper
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Cite: Fair Value Calculator (2026). "SCI Information Service Inc Fair Value". https://www.fairvalue-calculator.com/stock/036120
Frequently asked questions
Is SCI Information Service Inc (036120) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 2,671 KRW versus a price of 1,635 KRW, about +63% upside (undervalued).
What is the fair value of 036120?
Our model-based fair value for SCI Information Service Inc is 2,671 KRW (as of Sep 24, 2026), built from audited fundamentals. The current price: 1,635 KRW.
What is the quality score of 036120?
SCI Information Service Inc has a Quality Score of 82/100. 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 SCI Information Service Inc (036120)?
Our model-based price target is the fair value of 2,671 KRW (as of Sep 24, 2026) from 10 valuation models. Cautious scenario 2,003 KRW, optimistic scenario 4,031 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the SCI Information Service Inc stock forecast for 2026?
Our models put fair value at 2,671 KRW, about +63% upside versus a price of 1,635 KRW (undervalued). Cautious scenario 2,003 KRW, optimistic scenario 4,031 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of SCI Information Service Inc (036120)?
SCI Information Service Inc reported trailing-twelve-month revenue of about 41.5B KRW (latest available figure, as of Sep 24, 2026).
Does SCI Information Service Inc pay a dividend?
SCI Information Service Inc currently shows a dividend yield of about 4.89% relative to its recent price (as of Sep 24, 2026).
What growth is priced into SCI Information Service Inc (036120)?
For today's price to be fair in a discounted-cash-flow model, SCI Information Service Inc would have to grow free cash flow by -15.6 % per year for five years (discount rate 10.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -4.1 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 036120 use?
Our models discount SCI Information Service Inc at 10.1 %: a base by market capitalisation (nano), 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 SCI Information Service Inc that is -15.6 % per year a year over ten years, using the same discount rate (10.1 %) and the same formula as our fair value.
How much growth has SCI Information Service Inc (036120) delivered so far?
Over the past 5 years revenue at SCI Information Service Inc grew -4.1 % a year. The price currently implies -15.6 % 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 SCI Information Service Inc (036120) growing?
The median revenue growth in the sector is +8.3 % a year. That is the yardstick for the growth priced into SCI Information Service Inc (-15.6 % 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 SCI Information Service Inc (036120)?
The free-cash-flow yield on the price is 13.08 %: that much free cash flow SCI Information Service Inc produces per unit of market value. When it exceeds the discount rate of our models (10.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of SCI Information Service Inc (036120)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For SCI Information Service Inc it is 2,671 KRW per share (as of Sep 24, 2026), against a price of 1,635 KRW. It is the blended result of 10 valuation models (cash flow, earnings, asset, dividend).
Is SCI Information Service Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 036120 trades below its calculated fair value: price 1,635 KRW, fair value 2,671 KRW, a gap of about +63% (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 036120?
No. The price is what the market pays today (1,635 KRW); the fair value is what the company's own numbers justify (2,671 KRW). For SCI Information Service Inc the two are 1,036 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is SCI Information Service Inc worth?
The market values SCI Information Service Inc at about 55.2B KRW (market capitalisation, as of Sep 24, 2026). Per share that is 1,635 KRW; our models calculate a fair value of 2,671 KRW per share.
What do the bullish and bearish scenarios say about 036120?
Our models span a range for SCI Information Service Inc: cautious scenario 2,003 KRW, base 2,671 KRW, optimistic 4,031 KRW per share (as of Sep 24, 2026, price 1,635 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of SCI Information Service Inc (036120)?
Balance-sheet figures for SCI Information Service Inc (as of Sep 24, 2026): return on equity 19.4%. They feed the Quality Score of 82/100, which measures business quality independently of the share price.
How far is 036120 from its 52-week high?
SCI Information Service Inc trades at 1,635 KRW, about 26% below its 52-week high of 2,214 KRW and 12% above the low of 1,465 KRW (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 2,671 KRW is for.
Which stocks are comparable to SCI Information Service Inc?
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 SCI Information Service Inc stock attractive at the current price?
The data as of Sep 24, 2026: price 1,635 KRW, calculated fair value 2,671 KRW (+63%), Quality Score 82/100, from 10 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 036120 calculated?
We run SCI Information Service Inc through 10 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 2,671 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 13.0 % above its aggregate fair value. SCI Information Service Inc currently trades 63 % 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 SCI Information Service Inc (036120)?
The closing price on Sep 23, 2026 was 1,635 KRW. Our model-based fair value is 2,671 KRW, about +63% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with SCI Information Service Inc right now?
The rarer combination: high quality (82/100) AND below fair value. That earns a closer look rather than a quick verdict. The price is below even our cautious bear case (2,003 KRW). The market is more pessimistic than our downside scenario. A fairly wide model range (2,003 KRW to 4,031 KRW) leaves room in how you read the outcome. 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 SCI Information Service Inc
How large is the market capitalisation of SCI Information Service Inc (036120)?
The market capitalisation of SCI Information Service Inc is 55.2B KRW (≈ $40.5M). 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 SCI Information Service Inc (036120)?
The price-to-sales ratio of SCI Information Service Inc is 1.33 (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 SCI Information Service Inc (036120)?
The dividend yield of SCI Information Service Inc is 4.9%. 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 SCI Information Service Inc (036120)?
The net margin of SCI Information Service Inc is 16.8% (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 SCI Information Service Inc (036120)?
The return on equity (ROE) of SCI Information Service Inc is 19.4% (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 SCI Information Service Inc (036120)?
On an EBIT basis the return on assets of SCI Information Service Inc is 13.1% (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 SCI Information Service Inc (036120)?
The operating margin of SCI Information Service Inc is 3.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at SCI Information Service Inc (036120)?
Revenue at SCI Information Service Inc is growing +3.1% versus a year earlier (3y avg +0.3%). 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 SCI Information Service Inc (036120)?
Earnings per share at SCI Information Service Inc are growing +30.1% versus a year earlier. How much earnings per share grew versus a year earlier.
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