GalaxiaMoneytree Co.Ltd (094480) fair value: what the stock is really worth
As of Nov 10, 2026: fair value (intrinsic value) of GalaxiaMoneytree Co.Ltd stock KRW 2,939, price KRW 4,150, that is 29.2% below the price, quality 50 out of 100. Rating: overvalued. Calculated from audited financials with 16 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range 4,020 KRW – 18,049 KRW · fair‑value band 2,488 KRW – 3,429 KRW · the 4,150 KRW price screens above the 2,939 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
Follow GalaxiaMoneytree Co.Ltd in your weekly email
Every Wednesday you see whether GalaxiaMoneytree Co.Ltd is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
GalaxiaMoneytree Co.,Ltd operates as a financial platform service provider in South Korea.
Show moreShow less
The company offers payment solutions for on/offline business transactions; marketing tools in mobile form, such as gift certificates for department stores, on-line shopping malls, gas stations, and phone calling cards, as well as mobile coupons for offline distributers and retailers, home shopping companies, etc.; and MONEY TREE, a mobile wallet for mobile payment and cyber money.
It also issues, sells, distributes, and manages various digital assets, such as NFTs. The company was formerly known as Galaxia Communications Co., Ltd. and changed its name to GalaxiaMoneytree Co.,Ltd in September 2020. GalaxiaMoneytree Co.,Ltd was founded in 1994 and is based in Seoul, South Korea.
Stock analysis
GalaxiaMoneytree Co.Ltd (094480) currently trades at 4,150 KRW, while our model-based Fair Value estimate is 2,939 KRW, 29% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of 4,575 KRW per share, and 4 of the 16 models we run sit above the 4,150 KRW price.
Bear case: the Dividend Discount group reads lowest at 380.30 KRW, and 12 of the 16 models stay below the price. Data coverage for this calculation is medium.
Scenario range: 2,488 KRW (bear) to 3,429 KRW (bull), the price of 4,150 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 50/100 (solid quality), in the Technology sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
GalaxiaMoneytree Co.Ltd reported revenue of 130B KRW in FY2025 versus 94.5B KRW in FY2021, a compound +8.2%/yr. Reported net income was 8.3B KRW in FY2025.
Key figures
Market cap 163B KRW (≈ $121M) Micro · P/S ratio 1.80 · Dividend yield 0.5% · Net margin 7.4% · Return on equity 186% · Return on assets (EBIT) 3.0% (5-year average) · Operating margin 12.4% · Revenue (TTM) 101B KRW.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (medium confidence).
What moves the price
The share trades about 64% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at 45% fair-value upside, at −29%, 094480 screens richer than that median.
Fair Value models
Bear2,488 KRWFair Value 2,939 KRWBull3,429 KRW
Price 4,150 KRW · Downside -29.2%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = 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.53/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+0.7%
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.
+4.9%
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.
+9.8%
Start year 2020 (pandemic). Over 10 years: +12.6% a year
Revenue growth 17 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.
+1.3%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years), in KRW (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. 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.
+15.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+15.4%
Dividend (yield on the price)0.5%
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.4.7% vs 6.3%, steady
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.11% → 14%
2025 sits 167% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Compare GalaxiaMoneytree Co.Ltd with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
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.Software & IT Services · 36 stocks
Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score50 · Below median
Fair Value upside−26.9% · Below median
Profitability
Return on equity (12 months)186.3% · Above median
Return on assets2.1% · Above median
Net margin (12 months)7.4% · Above median
Operating margin (12 months)12.4% · Above median
Growth and dividend
Revenue growth (quarter YoY)19.9% · Top 25%
Dividend yield (12 months)0.5% · Bottom 25%
Balance sheet
Debt / equity0.06× · Above median
Valuation Multiplesvs Software & IT Services median · lower = cheaper
P/B1.32× · Pricier than median
P/S (12 months)1.56× · Pricier than median
EV/EBITDA9.0× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 31
FUTURE (revenue growth)100· sector 28
PAST (return on equity)100· sector 100
HEALTH (low debt)97· sector 99
DIVIDEND (yield)10· sector 25
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). "GalaxiaMoneytree Co.Ltd Fair Value". https://www.fairvalue-calculator.com/stock/094480
Frequently asked questions
Is GalaxiaMoneytree Co.Ltd (094480) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of 2,939 KRW versus a price of 4,150 KRW, about 29% lower (overvalued).
What is the fair value of 094480?
Our model-based fair value for GalaxiaMoneytree Co.Ltd is 2,939 KRW (as of Nov 8, 2026), built from audited fundamentals. The current price: 4,150 KRW.
What is the quality score of 094480?
GalaxiaMoneytree Co.Ltd has a Quality Score of 50/100. 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 GalaxiaMoneytree Co.Ltd (094480)?
Our model-based price target is the fair value of 2,939 KRW (as of Nov 8, 2026) from 16 valuation models. Cautious scenario 2,488 KRW, optimistic scenario 3,429 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the GalaxiaMoneytree Co.Ltd stock forecast for 2026?
Our models put fair value at 2,939 KRW, about 29% lower versus a price of 4,150 KRW (overvalued). Cautious scenario 2,488 KRW, optimistic scenario 3,429 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of GalaxiaMoneytree Co.Ltd (094480)?
GalaxiaMoneytree Co.Ltd reported trailing-twelve-month revenue of about 101B KRW (latest available figure, as of Nov 8, 2026).
Does GalaxiaMoneytree Co.Ltd pay a dividend?
GalaxiaMoneytree Co.Ltd currently shows a dividend yield of 0.50% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of GalaxiaMoneytree Co.Ltd (094480)?
GalaxiaMoneytree Co.Ltd has a dividend yield of 0.5%. A dividend has been paid every year since at least 2016. Our assessment: Safety not assessed. Payout ratio and cash coverage are not available, so we do not judge how safe this dividend is.
What is the intrinsic value of GalaxiaMoneytree Co.Ltd (094480)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For GalaxiaMoneytree Co.Ltd it is 2,939 KRW per share (as of Nov 8, 2026), against a price of 4,150 KRW. It is the blended result of 16 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit, Growth Earnings).
Is GalaxiaMoneytree Co.Ltd stock overvalued or undervalued in 2026?
As of Nov 8, 2026, 094480 trades above its calculated fair value: price 4,150 KRW, fair value 2,939 KRW, a gap of about −29% (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 094480?
No. The price is what the market pays today (4,150 KRW); the fair value is what the company's own numbers justify (2,939 KRW). For GalaxiaMoneytree Co.Ltd the two are 1,211 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is GalaxiaMoneytree Co.Ltd worth?
The market values GalaxiaMoneytree Co.Ltd at about 163B KRW (market capitalisation, as of Nov 8, 2026). Per share that is 4,150 KRW; our models calculate a fair value of 2,939 KRW per share.
What do the bullish and bearish scenarios say about 094480?
Our models span a range for GalaxiaMoneytree Co.Ltd: cautious scenario 2,488 KRW, base 2,939 KRW, optimistic 3,429 KRW per share (as of Nov 8, 2026, price 4,150 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of GalaxiaMoneytree Co.Ltd (094480)?
Balance-sheet figures for GalaxiaMoneytree Co.Ltd (as of Nov 8, 2026): return on equity 186.3%, debt of 0.06 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is 094480 from its 52-week high?
GalaxiaMoneytree Co.Ltd trades at 4,150 KRW, about 64% below its 52-week high of 11,650 KRW and 3% above the low of 4,020 KRW (as of Nov 10, 2026). Distance from the high says nothing about value: that is what the fair value of 2,939 KRW is for.
Which stocks are comparable to GalaxiaMoneytree Co.Ltd?
From the same area (Technology) we also value Gabia Inc, KINX, Inc, Wemade Co, AfreecaTV Co, 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 GalaxiaMoneytree Co.Ltd stock attractive at the current price?
The data as of Nov 8, 2026: price 4,150 KRW, calculated fair value 2,939 KRW (−29%), Quality Score 50/100, from 16 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 094480 calculated?
We run GalaxiaMoneytree Co.Ltd through 16 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of 2,939 KRW builds on their evidence-weighted average, 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 13.7% above its aggregate fair value. GalaxiaMoneytree Co.Ltd 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 GalaxiaMoneytree Co.Ltd (094480)?
The closing price on Nov 10, 2026 was 4,150 KRW. Our model-based fair value is 2,939 KRW, about 29% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with GalaxiaMoneytree Co.Ltd right now?
The price sits above even our optimistic bull case (3,429 KRW). The favourable scenario is already priced in. Solid but not exceptional quality (50/100) and above fair value, neither a clear bargain nor a standout compounder.
Key figures of GalaxiaMoneytree Co.Ltd
How large is the market capitalisation of GalaxiaMoneytree Co.Ltd (094480)?
The market capitalisation of GalaxiaMoneytree Co.Ltd is 163B KRW (≈ $121M). 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 GalaxiaMoneytree Co.Ltd (094480)?
The price-to-sales ratio of GalaxiaMoneytree Co.Ltd is 1.80 (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 GalaxiaMoneytree Co.Ltd (094480)?
The dividend yield of GalaxiaMoneytree Co.Ltd is 0.5%. 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 GalaxiaMoneytree Co.Ltd (094480)?
The net margin of GalaxiaMoneytree Co.Ltd is 7.4% (last twelve months). 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 GalaxiaMoneytree Co.Ltd (094480)?
The return on equity (ROE) of GalaxiaMoneytree Co.Ltd is 186% (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 GalaxiaMoneytree Co.Ltd (094480)?
On an EBIT basis the return on assets of GalaxiaMoneytree Co.Ltd is 3.0% (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 GalaxiaMoneytree Co.Ltd (094480)?
The operating margin of GalaxiaMoneytree Co.Ltd is 12.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at GalaxiaMoneytree Co.Ltd (094480)?
Revenue at GalaxiaMoneytree Co.Ltd is growing +19.9% versus a year earlier (3y avg +4.9%). 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 GalaxiaMoneytree Co.Ltd (094480)?
Earnings per share at GalaxiaMoneytree Co.Ltd are growing +25.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does GalaxiaMoneytree Co.Ltd (094480) generate?
The free cash flow of GalaxiaMoneytree Co.Ltd is −3.1B 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 GalaxiaMoneytree Co.Ltd (094480) carry?
The net debt of GalaxiaMoneytree Co.Ltd is 94.8B 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.
Free · no account needed
Watch GalaxiaMoneytree Co.Ltd in the live analysis
One click puts GalaxiaMoneytree Co.Ltd on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Some data
Nov 8, 2026