e-Credible Co (092130) Fair Value & Analysis
Industrials · KR · Market cap 171B KRW
Fair value as of: Jul 20, 2026
From 24 valuation models · updated 21 days ago
Share price +1.6% over the past month.
A strong business, screening 47% undervalued on our models.
What matters now
- The rarer combination: high quality (89/100) AND below fair value. That earns a closer look rather than a quick verdict.
- The price is below even our cautious bear case (15,007 KRW). The market is more pessimistic than our downside scenario.
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 9,855 KRW – 17,479 KRW · fair‑value band 15,007 KRW – 26,198 KRW · the 14,410 KRW price screens below the 21,145 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
e-Credible Co (092130) currently trades at 14,410 KRW, while our model-based Fair Value estimate is 21,145 KRW, implying the stock looks roughly 46.7% undervalued today. The Quality Score stands at 89/100 (high 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, e-Credible Co generated revenue of 46.3B KRW at a net margin of 31.4%. Revenue grew 0.8% year over year. Fundamentals as of Jul 20, 2026
Our scenario range runs from 15,007 KRW (bear case) to 26,198 KRW (bull case); at 14,410 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 18% below its 52-week high and 5% above its 52-week low, currently below its 200-day average. For context, the median of 10 Industrials peers we cover trades at 118% fair-value upside, at 47%, 092130 screens richer 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 24 models by family
Widest divergence: DCF Models (20,458 KRW) versus Asset-Based (2,377 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 86 · Market factors (momentum, volatility) 48
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
e-Credible Co., Ltd. provides corporate credit certification services in Korea. The company offers DNA, a corporate credit authentication service that manages transaction risk by utilizing corporate credit ratings for business-to-business transactions. It also provides Wisduspool, a corporate information services; and R-MIS that monitors the credit risks.
Full company description
e-Credible Co., Ltd. provides corporate credit certification services in Korea. The company offers DNA, a corporate credit authentication service that manages transaction risk by utilizing corporate credit ratings for business-to-business transactions. It also provides Wisduspool, a corporate information services; and R-MIS that monitors the credit risks. The company was founded in 2001 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
e-Credible Co reported revenue of 50.0B KRW in FY2025 versus 45.7B KRW in FY2021, a compound +2.3%/yr. Reported net income was 12.9B KRW in FY2025, compounding −1.9%/yr from FY2021.
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Peer Group
Industrials · 5339 stocks
How this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Professional & Commercial Services” was too small, so the broader sector is used.)
Valuation Multiples vs Industrials 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: 42/100
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 Professional & Commercial Services stocks, each showing price versus our Fair Value estimate (as of Jul 20, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Fischer Chemic Limited FISCHER | ₹39.31 | ₹8.06 | -79% |
| KG Mobilians Co 046440 | 3,910 KRW | 7,908 KRW | +102% |
| INSUN Environmental New Technology Co 060150 | 3,060 KRW | 6,658 KRW | +118% |
| NICE Total Cash Management Co 063570 | 3,080 KRW | 4,300 KRW | +40% |
| Nice D&B Co 130580 | 5,410 KRW | 17,622 KRW | +226% |
| CCID Consulting Company 8235 | HK$0.7850 | HK$2.55 | +225% |
| Yangjisa Co 030960 | 4,750 KRW | 502.19 KRW | -89% |
| Smart Globe Holdings 8485 | HK$1.50 | HK$0.4500 | -70% |
| Kocom Co 015710 | 2,600 KRW | 6,071 KRW | +133% |
| Paratech Company 033540 | 798.00 KRW | 3,072 KRW | +285% |
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Frequently asked questions
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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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