UBIVELOX Inc (089850) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of UBIVELOX Inc KRW 12,375, price KRW 4,125, upside +200.0%, quality 38 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 3,825 KRW – 11,329 KRW · fair‑value band 8,834 KRW – 16,240 KRW · the 4,125 KRW price screens below the 12,375 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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UBIVELOX Inc engages in the smart card and mobile convergence businesses worldwide. The company offers form-factors, standard payment interface technologies, and special cards, as well as smart card modules and finished cards with contact, contactless, and dual-interface payment interfaces; and payment applications for banking and payment customers.
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UBIVELOX Inc engages in the smart card and mobile convergence businesses worldwide. The company offers form-factors, standard payment interface technologies, and special cards, as well as smart card modules and finished cards with contact, contactless, and dual-interface payment interfaces; and payment applications for banking and payment customers. It also provides device security solutions, including UONE-A l HOME IoT for consumer electronics security; UONE-K l SMART GRID for industrial-level security; and UONE-Q l AUTOMOTIVE for secure wireless charging. In addition, the company offers USIM cards to MNOs, MVNOs, and Handsets/Devices ODMs, as well as OEMs; and electronic data capture (EDC) terminals. Further, it provides secure payment solutions comprising USCMS, an advanced smart card management system; UPMS, a data preparation process solution for personalization; UPAS, a personalization authentication system; UTSM, a trusted service manager solution OTA service that provides mobile credit card issuance and mobile payment service; and TSP, a token service provide system. Additionally, the company offers trusted smart ID solutions, including SMART CAMPUS, SMART LIBRARY, and NATIONAL ID; and Uplanner a money management service that provides personalized financial advisory and accurate comparison to support customers in making better decisions on spending, budget, and financial plan. Its products are used in financial and public institutions, governments, and education facilities. UBIVELOX Inc was founded in 2000 and is headquartered in Seoul, South Korea.
Stock analysis
UBIVELOX Inc (089850) currently trades at 4,125 KRW, while our model-based Fair Value estimate is 12,375 KRW, implying the stock looks roughly 66.7% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 37,619 KRW per share, and 6 of the 6 models we run sit above the 4,125 KRW price.
Bear case: the Asset-Based group reads lowest at 6,011 KRW, and 0 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: 8,834 KRW (bear) to 16,240 KRW (bull), the price of 4,125 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 38/100 (below-average quality), in the Technology sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
UBIVELOX Inc reported revenue of 668B KRW in FY2025 versus 323B KRW in FY2021, a compound +19.9%/yr. Reported net income was −7.2B KRW in FY2025.
Key figures
Market cap 60.8B KRW (≈ $44.7M) · P/S ratio 0.09 · Dividend yield 0.9% · Net margin −1.1% · Return on equity −6.7% · Return on assets (EBIT) 5.1% · Operating margin −1.6% · Revenue (TTM) 647B KRW.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 35 out of 100 (medium confidence).
What moves the price
The share trades about 34% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −41% fair-value upside, at 200%, 089850 screens cheaper than that median.
Fair Value models
Bear 8,834 KRWFair Value 12,375 KRWBull 16,240 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.44/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+10.0%
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.
+14.1%
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.
+18.5%
Start year 2020 (pandemic). Over 10 years: +23.4% a year
Revenue growth 14 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.
+14.8%
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Profit margin (trend) ⓘ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.
5.9% (2020) → 3.2% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
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.Semiconductors · 338 stocks
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). "UBIVELOX Inc Fair Value". https://www.fairvalue-calculator.com/stock/089850
Frequently asked questions
Is UBIVELOX Inc (089850) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 12,375 KRW versus a price of 4,125 KRW, about +200% upside (undervalued).
What is the fair value of 089850?
Our model-based fair value for UBIVELOX Inc is 12,375 KRW (as of Sep 24, 2026), built from audited fundamentals. The current price: 4,125 KRW.
What is the quality score of 089850?
UBIVELOX Inc has a Quality Score of 38/100. 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 UBIVELOX Inc (089850)?
Our model-based price target is the fair value of 12,375 KRW (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 8,834 KRW, optimistic scenario 16,240 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the UBIVELOX Inc stock forecast for 2026?
Our models put fair value at 12,375 KRW, about +200% upside versus a price of 4,125 KRW (undervalued). Cautious scenario 8,834 KRW, optimistic scenario 16,240 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of UBIVELOX Inc (089850)?
UBIVELOX Inc reported trailing-twelve-month revenue of about 647B KRW (latest available figure, as of Sep 24, 2026).
Does UBIVELOX Inc pay a dividend?
UBIVELOX Inc currently shows a dividend yield of about 0.93% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of UBIVELOX Inc (089850)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For UBIVELOX Inc it is 12,375 KRW per share (as of Sep 24, 2026), against a price of 4,125 KRW. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is UBIVELOX Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 089850 trades below its calculated fair value: price 4,125 KRW, fair value 12,375 KRW, a gap of about +200% (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 089850?
No. The price is what the market pays today (4,125 KRW); the fair value is what the company's own numbers justify (12,375 KRW). For UBIVELOX Inc the two are 8,250 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is UBIVELOX Inc worth?
The market values UBIVELOX Inc at about 60.8B KRW (market capitalisation, as of Sep 24, 2026). Per share that is 4,125 KRW; our models calculate a fair value of 12,375 KRW per share.
What do the bullish and bearish scenarios say about 089850?
Our models span a range for UBIVELOX Inc: cautious scenario 8,834 KRW, base 12,375 KRW, optimistic 16,240 KRW per share (as of Sep 24, 2026, price 4,125 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of UBIVELOX Inc (089850)?
Balance-sheet figures for UBIVELOX Inc (as of Sep 24, 2026): return on equity −6.7%, debt of 0.15 per unit of equity. They feed the Quality Score of 38/100, which measures business quality independently of the share price.
How far is 089850 from its 52-week high?
UBIVELOX Inc trades at 4,125 KRW, about 34% below its 52-week high of 6,290 KRW and 8% above the low of 3,825 KRW (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 12,375 KRW is for.
Which stocks are comparable to UBIVELOX Inc?
From the same area (Technology) we also value NVIDIA Corporation, Taiwan Semiconductor Manufacturing Company, Broadcom Inc, Micron Technology, 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 UBIVELOX Inc stock attractive at the current price?
The data as of Sep 24, 2026: price 4,125 KRW, calculated fair value 12,375 KRW (+200%), Quality Score 38/100, from 6 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 089850 calculated?
We run UBIVELOX Inc through 6 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 12,375 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. UBIVELOX Inc currently trades 200 % 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 UBIVELOX Inc (089850)?
The closing price on Sep 23, 2026 was 4,125 KRW. Our model-based fair value is 12,375 KRW, about +200% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with UBIVELOX Inc right now?
The large discount to fair value meets weak quality (38/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (8,834 KRW). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range (8,834 KRW to 16,240 KRW) leaves room in how you read the outcome.
Key figures of UBIVELOX Inc
How large is the market capitalisation of UBIVELOX Inc (089850)?
The market capitalisation of UBIVELOX Inc is 60.8B KRW (≈ $44.7M). 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 UBIVELOX Inc (089850)?
The price-to-sales ratio of UBIVELOX Inc is 0.09 (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 UBIVELOX Inc (089850)?
The dividend yield of UBIVELOX Inc is 0.9%. 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 UBIVELOX Inc (089850)?
The net margin of UBIVELOX Inc is −1.1% (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 UBIVELOX Inc (089850)?
The return on equity (ROE) of UBIVELOX Inc is −6.7% (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 UBIVELOX Inc (089850)?
On an EBIT basis the return on assets of UBIVELOX Inc is 5.1% (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 UBIVELOX Inc (089850)?
The operating margin of UBIVELOX Inc is −1.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at UBIVELOX Inc (089850)?
Revenue at UBIVELOX Inc is growing −11.8% versus a year earlier (3y avg +14.1%). 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 UBIVELOX Inc (089850)?
Earnings per share at UBIVELOX Inc are growing −30.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does UBIVELOX Inc (089850) generate?
The free cash flow of UBIVELOX Inc is −44.8B 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 UBIVELOX Inc (089850) carry?
The net debt of UBIVELOX Inc is 140B KRW (fiscal year 2025). 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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