Korea Credit Information CO., LTD (049720) Fair Value & Analysis
Industrials · KR · Market cap 139B KRW
Fair value as of: Jul 20, 2026
From 26 valuation models · updated 21 days ago
Fair value updated Jul 20, 2026, revised from 19,982 KRW to 19,493 KRW (−2.4%) since Jun 25, 2026. Share price +0.1% over the past month.
A solid business, screening 106% undervalued on our models.
What matters now
- The price is below even our cautious bear case (14,461 KRW). The market is more pessimistic than our downside scenario.
- Solid quality (65/100) at a price below fair value, the discount is the argument here, not the business quality.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 20, 2026.
How to read this chart
60‑month range 5,013 KRW – 11,559 KRW · fair‑value band 14,461 KRW – 24,366 KRW · the 9,440 KRW price screens below the 19,493 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 20, 2026.
Analysis
Korea Credit Information CO., LTD (049720) currently trades at 9,440 KRW, while our model-based Fair Value estimate is 19,493 KRW, implying the stock looks roughly 106.5% undervalued today. The Quality Score stands at 65/100 (solid quality), in the Industrials 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: high), always confirm before acting.
Over the trailing twelve months, Korea Credit Information CO., LTD generated revenue of 179B KRW at a net margin of 7.4%. Revenue grew 2.7% year over year. It earns a return on equity of 23.2%. Net debt stands at 1.3B KRW. Fundamentals as of Jul 20, 2026
Our scenario range runs from 14,461 KRW (bear case) to 24,366 KRW (bull case); at 9,440 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 15% below its 52-week high, currently below its 200-day average. For context, the median of 10 Industrials peers we cover trades at -35% fair-value upside, at 106%, 049720 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.
All 26 models by family
Widest divergence: DCF Models (22,224 KRW) versus Asset-Based (2,953 KRW). Highest evidence: Growth DCF (80).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 20, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 67 · Market factors (momentum, volatility) 51
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
Korea Credit Information CO., LTD engages in the debt collection/credit investigation/civil complaint agency business in South Korea and internationally.
Full company description
Korea Credit Information CO., LTD engages in the debt collection/credit investigation/civil complaint agency business in South Korea and internationally. It offers debt collection services, including identifying the location of the debtor or debtor to perform debt collection works; asset investigation on the debtor; urging debt repayment, such as visiting the debtor; and reimbursement receipt agency services. The company also provides call centre operation agency, CS monitoring, and service quality management services; bond information, initial delay notice, and collection management services; and investigation of repayment ability for defaulters, credit check of new and existing counterparties, preliminary investigation for bond preservation, and for use as evidence for write-off of bad debts for uncollectible claims, such as closed-down corporations. In addition, it offers services in the areas of rights confirmation, such as lease status and price investigation of real estate and personal assets; on-site investigation, including current status investigation of businesses and workplaces; and delivery service in receiving financial institution loan documents comprising identity and handwritten information verification. The company was formerly known as Koryo Credit Information Co., Ltd. and changed its name to Korea Credit Information CO., LTD in April 2026. Korea Credit Information CO., LTD was incorporated in 1991 and is headquartered in Seoul, South Korea.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Korea Credit Information CO., LTD reported revenue of 178B KRW in FY2025 versus 145B KRW in FY2021, a compound +5.2%/yr. Reported net income was 13.3B KRW in FY2025, compounding +7.7%/yr from FY2021.
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Peer Group
Specialty Business Services · 253 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.
Valuation Multiples vs Specialty Business Services median · lower = cheaper
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.
Insider activity: 45/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Specialty Business Services stocks, each showing price versus our Fair Value estimate (as of Jul 20, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Cintas Corporation CTAS | $206.25 | $95.30 | -54% |
| RELX PLC RELX | $33.70 | $32.49 | -4% |
| Thomson Reuters Corporation TRI | C$133.87 | C$70.40 | -47% |
| Copart, Inc CPRT | $27.61 | $28.59 | +4% |
| Global Payments Inc GPN | $80.49 | $69.67 | -13% |
| RB Global, Inc RBA | C$156.43 | C$49.14 | -69% |
| Brambles Limited BXB | A$18.79 | A$12.28 | -35% |
| UL Solutions Inc ULS | $87.76 | $33.62 | -62% |
| Wolters Kluwer N.V WKL | €62.56 | €103.99 | +66% |
| Aramark ARMK | $56.74 | $13.73 | -76% |
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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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