FnGuide Inc. (064850) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of FnGuide Inc. KRW 11,970, price KRW 19,880, upside -39.8%, quality 83 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 5,008 KRW – 35,977 KRW · fair‑value band 8,400 KRW – 16,489 KRW · the 19,880 KRW price screens above the 11,970 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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FnGuide Inc. engages in development and provision of programs related to securities investment information and financial information.
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FnGuide Inc. engages in development and provision of programs related to securities investment information and financial information. The company offers WiseReport, which allows access to reports of all security firms, and real-time and global research reports; Retamin, a mobile application that provides various reports published by research institutions, such as research centers of securities firms, as well as basic corporate information and real-time public disclosures; Data Feed / ASP / API, which provides data spanning all areas of the capital market; DataGuide, a MS-Excel-based data look-up and analysis software; and QuantiWise, an investment analysis program for in-depth data and market information. It also provides index services; fund rating; institutional investor consultancy; fund data; and integrated research system services, as well as Mydata service, a customized investment insight service that combines corporate financial data, economy data, and Mydata. The company was founded in 2000 and is headquartered in Seoul, South Korea.
Stock analysis
FnGuide Inc. (064850) currently trades at 19,880 KRW, while our model-based Fair Value estimate is 11,970 KRW, implying the stock looks roughly 66.1% overvalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 14,663 KRW per share, and 1 of the 11 models we run sit above the 19,880 KRW price.
Bear case: the Asset-Based group reads lowest at 4,048 KRW, and 10 of the 11 models stay below the price. Evidence for this calculation is medium.
Scenario range: 8,400 KRW (bear) to 16,489 KRW (bull), the price of 19,880 KRW sits above 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 83/100 (high quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
FnGuide Inc. reported revenue of 35.4B KRW in FY2025 versus 25.5B KRW in FY2021, a compound +8.5%/yr. Reported net income was 9.9B KRW in FY2025, compounding +16.0%/yr from FY2021.
Key figures
Market cap 227B KRW (≈ $167M) · P/S ratio 6.10 · Dividend yield 1.3% · Net margin 27.9% · Return on equity 20.1% · Return on assets (EBIT) 7.6% · Operating margin 40.7% · Revenue (TTM) 37.0B 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 40% below its 52-week high and 152% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −27% fair-value upside, at −40%, 064850 screens richer than that median.
Fair Value models
Bear 8,400 KRWFair Value 11,970 KRWBull 16,489 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.93/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+12.0%
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.
+7.6%
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.
+10.9%
Start year 2020 (pandemic)
Revenue growth 8 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.
+17.3%
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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.
+18.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+16.8%
Dividend (yield on the price)1.3%
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.20% → 30%
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).
+21.7%
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 +19.2% 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.Financial Data & Stock Exchanges · 55 stocks
Beats the industry median on 7/9 measures
Overall it ranks above its industry peers.
Valuation
Quality Score82 · Top 25%
Fair Value upside−40% · Below median
Profitability
Return on equity (TTM)20% · Above median
Return on assets9% · Above median
Net margin (TTM)36% · Above median
Operating margin (TTM)41% · Above median
Growth and dividend
Revenue growth17% · Above median
Dividend yield (TTM)1.3% · Below median
Valuation Multiplesvs Financial Data & Stock Exchanges median · lower = cheaper
P/FCF0.0× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 0
FUTURE (revenue growth)83· sector 69
PAST (return on equity)80· sector 77
HEALTH (low debt)100· sector 94
DIVIDEND (yield)26· sector 34
VALUE 0: the price sits above our fair-value range.
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). "FnGuide Inc. Fair Value". https://www.fairvalue-calculator.com/stock/064850
Frequently asked questions
Is FnGuide Inc. (064850) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 11,970 KRW versus a price of 19,880 KRW, about −40% upside (overvalued).
What is the fair value of 064850?
Our model-based fair value for FnGuide Inc. is 11,970 KRW (as of Sep 24, 2026), built from audited fundamentals. The current price: 19,880 KRW.
What is the quality score of 064850?
FnGuide Inc. has a Quality Score of 83/100. 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 FnGuide Inc. (064850)?
Our model-based price target is the fair value of 11,970 KRW (as of Sep 24, 2026) from 11 valuation models. Cautious scenario 8,400 KRW, optimistic scenario 16,489 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the FnGuide Inc. stock forecast for 2026?
Our models put fair value at 11,970 KRW, about −40% upside versus a price of 19,880 KRW (overvalued). Cautious scenario 8,400 KRW, optimistic scenario 16,489 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of FnGuide Inc. (064850)?
FnGuide Inc. reported trailing-twelve-month revenue of about 37.0B KRW (latest available figure, as of Sep 24, 2026).
Does FnGuide Inc. pay a dividend?
FnGuide Inc. currently shows a dividend yield of about 1.31% relative to its recent price (as of Sep 24, 2026).
What growth is priced into FnGuide Inc. (064850)?
For today's price to be fair in a discounted-cash-flow model, FnGuide Inc. would have to grow free cash flow by +21.7 % 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 +10.9 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 064850 use?
Our models discount FnGuide Inc. at 14.3 %: a base by market capitalisation (micro), damped by beta 1.36, 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 FnGuide Inc. that is +21.7 % 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 FnGuide Inc. (064850) delivered so far?
Over the past 5 years revenue at FnGuide Inc. grew +10.9 % a year. The price currently implies +21.7 % 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 FnGuide Inc. (064850) growing?
The median revenue growth in the sector is +1.8 % a year. That is the yardstick for the growth priced into FnGuide Inc. (+21.7 % 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 FnGuide Inc. (064850)?
The free-cash-flow yield on the price is 4.53 %: that much free cash flow FnGuide Inc. 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 FnGuide Inc. (064850)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For FnGuide Inc. it is 11,970 KRW per share (as of Sep 24, 2026), against a price of 19,880 KRW. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is FnGuide Inc. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 064850 trades above its calculated fair value: price 19,880 KRW, fair value 11,970 KRW, a gap of about −40% (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 064850?
No. The price is what the market pays today (19,880 KRW); the fair value is what the company's own numbers justify (11,970 KRW). For FnGuide Inc. the two are 7,910 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is FnGuide Inc. worth?
The market values FnGuide Inc. at about 227B KRW (market capitalisation, as of Sep 24, 2026). Per share that is 19,880 KRW; our models calculate a fair value of 11,970 KRW per share.
What do the bullish and bearish scenarios say about 064850?
Our models span a range for FnGuide Inc.: cautious scenario 8,400 KRW, base 11,970 KRW, optimistic 16,489 KRW per share (as of Sep 24, 2026, price 19,880 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of FnGuide Inc. (064850)?
Balance-sheet figures for FnGuide Inc. (as of Sep 24, 2026): return on equity 20.1%. They feed the Quality Score of 83/100, which measures business quality independently of the share price.
How far is 064850 from its 52-week high?
FnGuide Inc. trades at 19,880 KRW, about 40% below its 52-week high of 32,900 KRW and 152% above the low of 7,900 KRW (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 11,970 KRW is for.
Which stocks are comparable to FnGuide 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 FnGuide Inc. stock attractive at the current price?
The data as of Sep 24, 2026: price 19,880 KRW, calculated fair value 11,970 KRW (−40%), Quality Score 83/100, 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 064850 calculated?
We run FnGuide Inc. 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 11,970 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. FnGuide Inc. 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 FnGuide Inc. (064850)?
The closing price on Sep 23, 2026 was 19,880 KRW. Our model-based fair value is 11,970 KRW, about −40% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with FnGuide Inc. right now?
A high-quality business (quality 83/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety. The price sits above even our optimistic bull case (16,489 KRW). The favourable scenario is already priced in. A fairly wide model range (8,400 KRW to 16,489 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 FnGuide Inc.
How large is the market capitalisation of FnGuide Inc. (064850)?
The market capitalisation of FnGuide Inc. is 227B KRW (≈ $167M). 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 FnGuide Inc. (064850)?
The price-to-sales ratio of FnGuide Inc. is 6.10 (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 FnGuide Inc. (064850)?
The dividend yield of FnGuide Inc. 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 FnGuide Inc. (064850)?
The net margin of FnGuide Inc. is 27.9% (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 FnGuide Inc. (064850)?
The return on equity (ROE) of FnGuide Inc. is 20.1% (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 FnGuide Inc. (064850)?
On an EBIT basis the return on assets of FnGuide Inc. is 7.6% (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 FnGuide Inc. (064850)?
The operating margin of FnGuide Inc. is 40.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at FnGuide Inc. (064850)?
Revenue at FnGuide Inc. is growing +16.5% versus a year earlier (3y avg +7.6%). 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 FnGuide Inc. (064850)?
Earnings per share at FnGuide Inc. are growing +219% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does FnGuide Inc. (064850) carry?
The net debt of FnGuide Inc. is 10.1B KRW (fiscal year 2024, ≈ 1.0 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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