Koryo Credit Information Co. Ltd (049720) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Koryo Credit Information Co. Ltd KRW 16,893, price KRW 9,070, upside +86.3%, quality 65 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 5,584 KRW – 11,559 KRW · fair‑value band 11,769 KRW – 23,071 KRW · the 9,070 KRW price screens below the 16,893 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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Korea Credit Information CO., LTD engages in the debt collection/credit investigation/civil complaint agency business in South Korea and internationally.
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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.
Stock analysis
Koryo Credit Information Co. Ltd (049720) currently trades at 9,070 KRW, while our model-based Fair Value estimate is 16,893 KRW, implying the stock looks roughly 46.3% undervalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of 17,747 KRW per share, and 20 of the 26 models we run sit above the 9,070 KRW price.
Bear case: the Asset-Based group reads lowest at 2,953 KRW, and 6 of the 26 models stay below the price. Evidence for this calculation is medium.
Scenario range: 11,769 KRW (bear) to 23,071 KRW (bull), the price of 9,070 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 65/100 (solid quality), in the Industrials sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Koryo 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.
Key figures
Market cap 139B KRW (≈ $102M) · P/S ratio 0.78 · Dividend yield 5.7% · Net margin 7.4% · Return on equity 23.2% · Return on assets (EBIT) 14.9% · Operating margin 8.4% · Revenue (TTM) 179B 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 15% below its 52-week high and 1% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Industrials peers we cover trades at 0% fair-value upside, at 86%, 049720 screens cheaper than that median.
Fair Value models
Bear 11,769 KRWFair Value 16,893 KRWBull 23,071 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.76/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+3.9%
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.
+6.6%
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.
+6.0%
Start year 2020 (pandemic). Over 10 years: +8.0% 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.
+6.0%
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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+6.1%
Dividend (yield on the price)5.7%
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.6% vs 14%, slowing
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% → 9%
Start year 2020 (pandemic)
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).
−3.5%
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 −5.4% a year for the price.
Compare Koryo Credit Information Co. Ltd with another stock
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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.Specialty Business Services · 248 stocks
Beats the industry median on 8/9 measures
Overall it ranks above its industry peers.
Valuation
Quality Score65 · Top 25%
Fair Value upside+86% · Top 25%
Profitability
Return on equity (TTM)23% · Top 25%
Return on assets10% · Top 25%
Net margin (TTM)7% · Above median
Operating margin (TTM)8% · Above median
Growth and dividend
Revenue growth3% · Below median
Dividend yield (TTM)5.7% · Top 25%
Valuation Multiplesvs Specialty Business Services median · lower = cheaper
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.
Cite: Fair Value Calculator (2026). "Koryo Credit Information Co. Ltd Fair Value". https://www.fairvalue-calculator.com/stock/049720
Frequently asked questions
Is Koryo Credit Information Co. Ltd (049720) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 16,893 KRW versus a price of 9,070 KRW, about +86% upside (undervalued).
What is the fair value of 049720?
Our model-based fair value for Koryo Credit Information Co. Ltd is 16,893 KRW (as of Sep 24, 2026), built from audited fundamentals. The current price: 9,070 KRW.
What is the quality score of 049720?
Koryo Credit Information Co. Ltd has a Quality Score of 65/100. 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 Koryo Credit Information Co. Ltd (049720)?
Our model-based price target is the fair value of 16,893 KRW (as of Sep 24, 2026) from 26 valuation models. Cautious scenario 11,769 KRW, optimistic scenario 23,071 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the Koryo Credit Information Co. Ltd stock forecast for 2026?
Our models put fair value at 16,893 KRW, about +86% upside versus a price of 9,070 KRW (undervalued). Cautious scenario 11,769 KRW, optimistic scenario 23,071 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of Koryo Credit Information Co. Ltd (049720)?
Koryo Credit Information Co. Ltd reported trailing-twelve-month revenue of about 179B KRW (latest available figure, as of Sep 24, 2026).
Does Koryo Credit Information Co. Ltd pay a dividend?
Koryo Credit Information Co. Ltd currently shows a dividend yield of about 5.73% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Koryo Credit Information Co. Ltd (049720)?
For today's price to be fair in a discounted-cash-flow model, Koryo Credit Information Co. Ltd would have to grow free cash flow by -3.5 % per year for five years (discount rate 13.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +6.0 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 049720 use?
Our models discount Koryo Credit Information Co. Ltd at 13.1 %: a base by market capitalisation (micro), 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 Koryo Credit Information Co. Ltd that is -3.5 % per year a year over ten years, using the same discount rate (13.1 %) and the same formula as our fair value.
How much growth has Koryo Credit Information Co. Ltd (049720) delivered so far?
Over the past 5 years revenue at Koryo Credit Information Co. Ltd grew +6.0 % a year. The price currently implies -3.5 % 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 Koryo Credit Information Co. Ltd (049720) growing?
The median revenue growth in the sector is +4.7 % a year. That is the yardstick for the growth priced into Koryo Credit Information Co. Ltd (-3.5 % 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 Koryo Credit Information Co. Ltd (049720)?
The free-cash-flow yield on the price is 12.70 %: that much free cash flow Koryo Credit Information Co. Ltd produces per unit of market value. When it exceeds the discount rate of our models (13.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Koryo Credit Information Co. Ltd (049720)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Koryo Credit Information Co. Ltd it is 16,893 KRW per share (as of Sep 24, 2026), against a price of 9,070 KRW. It is the blended result of 26 valuation models (cash flow, earnings, asset, dividend).
Is Koryo Credit Information Co. Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 049720 trades below its calculated fair value: price 9,070 KRW, fair value 16,893 KRW, a gap of about +86% (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 049720?
No. The price is what the market pays today (9,070 KRW); the fair value is what the company's own numbers justify (16,893 KRW). For Koryo Credit Information Co. Ltd the two are 7,823 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is Koryo Credit Information Co. Ltd worth?
The market values Koryo Credit Information Co. Ltd at about 139B KRW (market capitalisation, as of Sep 24, 2026). Per share that is 9,070 KRW; our models calculate a fair value of 16,893 KRW per share.
What do the bullish and bearish scenarios say about 049720?
Our models span a range for Koryo Credit Information Co. Ltd: cautious scenario 11,769 KRW, base 16,893 KRW, optimistic 23,071 KRW per share (as of Sep 24, 2026, price 9,070 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Koryo Credit Information Co. Ltd (049720)?
Balance-sheet figures for Koryo Credit Information Co. Ltd (as of Sep 24, 2026): return on equity 23.2%. They feed the Quality Score of 65/100, which measures business quality independently of the share price.
How far is 049720 from its 52-week high?
Koryo Credit Information Co. Ltd trades at 9,070 KRW, about 15% below its 52-week high of 10,686 KRW and 1% above the low of 9,010 KRW (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 16,893 KRW is for.
Which stocks are comparable to Koryo Credit Information Co. Ltd?
From the same area (Industrials) we also value Cintas Corporation, Thomson Reuters Corporation, Copart, Inc, Global Payments 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 Koryo Credit Information Co. Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price 9,070 KRW, calculated fair value 16,893 KRW (+86%), Quality Score 65/100, from 26 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 049720 calculated?
We run Koryo Credit Information Co. Ltd through 26 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 16,893 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 14.0 % above its aggregate fair value. Koryo Credit Information Co. Ltd currently trades 86 % 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 Koryo Credit Information Co. Ltd (049720)?
The closing price on Sep 23, 2026 was 9,070 KRW. Our model-based fair value is 16,893 KRW, about +86% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Koryo Credit Information Co. Ltd right now?
The price is below even our cautious bear case (11,769 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. A fairly wide model range (11,769 KRW to 23,071 KRW) leaves room in how you read the outcome.
Key figures of Koryo Credit Information Co. Ltd
How large is the market capitalisation of Koryo Credit Information Co. Ltd (049720)?
The market capitalisation of Koryo Credit Information Co. Ltd is 139B KRW (≈ $102M). 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 Koryo Credit Information Co. Ltd (049720)?
The price-to-sales ratio of Koryo Credit Information Co. Ltd is 0.78 (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 Koryo Credit Information Co. Ltd (049720)?
The dividend yield of Koryo Credit Information Co. Ltd is 5.7%. 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 Koryo Credit Information Co. Ltd (049720)?
The net margin of Koryo Credit Information Co. Ltd is 7.4% (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 Koryo Credit Information Co. Ltd (049720)?
The return on equity (ROE) of Koryo Credit Information Co. Ltd is 23.2% (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 Koryo Credit Information Co. Ltd (049720)?
On an EBIT basis the return on assets of Koryo Credit Information Co. Ltd is 14.9% (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 Koryo Credit Information Co. Ltd (049720)?
The operating margin of Koryo Credit Information Co. Ltd is 8.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Koryo Credit Information Co. Ltd (049720)?
Revenue at Koryo Credit Information Co. Ltd is growing +2.7% versus a year earlier (3y avg +6.6%). 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 Koryo Credit Information Co. Ltd (049720)?
Earnings per share at Koryo Credit Information Co. Ltd are growing −5.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Koryo Credit Information Co. Ltd (049720) carry?
The net debt of Koryo Credit Information Co. Ltd is 1.3B KRW (fiscal year 2023, ≈ 0.1 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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