CHUNGDAHM Learning Inc (096240) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of CHUNGDAHM Learning Inc KRW 14,113, price KRW 8,440, upside +67.2%, quality 63 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 8,140 KRW – 24,263 KRW · fair‑value band 9,989 KRW – 18,347 KRW · the 8,440 KRW price screens below the 14,113 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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Creverse, Inc. engages in the education business in South Korea and internationally. It provides kindergarten and adult learning content services, as well as operates learning assessment centers. The company was formerly known as CHUNGDAHM Learning, Inc. and changed its name to Creverse, Inc. in March 2022. Creverse, Inc.
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Creverse, Inc. engages in the education business in South Korea and internationally. It provides kindergarten and adult learning content services, as well as operates learning assessment centers. The company was formerly known as CHUNGDAHM Learning, Inc. and changed its name to Creverse, Inc. in March 2022. Creverse, Inc. was founded in 1998 and is based in Seoul, South Korea.
Stock analysis
CHUNGDAHM Learning Inc (096240) currently trades at 8,440 KRW, while our model-based Fair Value estimate is 14,113 KRW, implying the stock looks roughly 40.2% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 24,782 KRW per share, and 16 of the 23 models we run sit above the 8,440 KRW price.
Bear case: the Asset-Based group reads lowest at 3,732 KRW, and 7 of the 23 models stay below the price. Evidence for this calculation is medium.
Scenario range: 9,989 KRW (bear) to 18,347 KRW (bull), the price of 8,440 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 63/100 (solid quality), in the Academic & Educational Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
CHUNGDAHM Learning Inc reported revenue of 221B KRW in FY2025 versus 211B KRW in FY2021, a compound +1.2%/yr. Reported net income was 6.6B KRW in FY2025, compounding −19.7%/yr from FY2021.
Key figures
Market cap 71.2B KRW (≈ $49.8M) · P/S ratio 0.32 · Dividend yield 6.3% · Net margin 3.0% · Return on equity 1,747% · Return on assets (EBIT) 8.0% · Operating margin 10.9% · Revenue (TTM) 224B KRW.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 29% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.
For context, the median of 5 Academic & Educational Services peers we cover trades at 128% fair-value upside, at 67%, 096240 screens richer than that median.
Fair Value models
Bear 9,989 KRWFair Value 14,113 KRWBull 18,347 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.61/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−3.2%
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.
−1.0%
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.
+4.2%
Start year 2020 (pandemic). Over 10 years: +5.0% a year
Revenue growth 15 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.
+5.0%
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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.
−1.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year−7.8%
Dividend (yield on the price)6.3%
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.9% → 1%
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).
−14.7%
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 −16.4% 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 sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Miscellaneous Educational Service Providers” was too small, so the broader sector is used.)Consumer Discretionary · 3921 stocks
Beats the sector median on 8/9 measures
Overall it ranks above its sector peers.
Valuation
Quality Score63 · Top 25%
Fair Value upside+67% · Top 25%
Profitability
Return on assets7% · Top 25%
Net margin (TTM)2% · Below median
Operating margin (TTM)11% · Above median
Growth and dividend
Revenue growth5% · Above median
Dividend yield (TTM)6.3% · Top 25%
Balance sheet
Debt / equity0.00× · Lowest 25%
Valuation Multiplesvs Consumer Discretionary median · lower = cheaper
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Is CHUNGDAHM Learning Inc (096240) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 14,113 KRW versus a price of 8,440 KRW, about +67% upside (undervalued).
What is the fair value of 096240?
Our model-based fair value for CHUNGDAHM Learning Inc is 14,113 KRW (as of Sep 24, 2026), built from audited fundamentals. The current price: 8,440 KRW.
What is the quality score of 096240?
CHUNGDAHM Learning Inc has a Quality Score of 63/100. 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 CHUNGDAHM Learning Inc (096240)?
Our model-based price target is the fair value of 14,113 KRW (as of Sep 24, 2026) from 23 valuation models. Cautious scenario 9,989 KRW, optimistic scenario 18,347 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the CHUNGDAHM Learning Inc stock forecast for 2026?
Our models put fair value at 14,113 KRW, about +67% upside versus a price of 8,440 KRW (undervalued). Cautious scenario 9,989 KRW, optimistic scenario 18,347 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of CHUNGDAHM Learning Inc (096240)?
CHUNGDAHM Learning Inc reported trailing-twelve-month revenue of about 224B KRW (latest available figure, as of Sep 24, 2026).
Does CHUNGDAHM Learning Inc pay a dividend?
CHUNGDAHM Learning Inc currently shows a dividend yield of about 6.27% relative to its recent price (as of Sep 24, 2026).
What growth is priced into CHUNGDAHM Learning Inc (096240)?
For today's price to be fair in a discounted-cash-flow model, CHUNGDAHM Learning Inc would have to grow free cash flow by -14.7 % per year for five years (discount rate 9.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +4.2 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 096240 use?
Our models discount CHUNGDAHM Learning Inc at 9.4 %: a base by market capitalisation (nano), damped by beta 0.70, 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 CHUNGDAHM Learning Inc that is -14.7 % per year a year over ten years, using the same discount rate (9.4 %) and the same formula as our fair value.
How much growth has CHUNGDAHM Learning Inc (096240) delivered so far?
Over the past 5 years revenue at CHUNGDAHM Learning Inc grew +4.2 % a year. The price currently implies -14.7 % 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 CHUNGDAHM Learning Inc (096240) growing?
The median revenue growth in the sector is +2.6 % a year. That is the yardstick for the growth priced into CHUNGDAHM Learning Inc (-14.7 % 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 CHUNGDAHM Learning Inc (096240)?
The free-cash-flow yield on the price is 20.82 %: that much free cash flow CHUNGDAHM Learning Inc produces per unit of market value. When it exceeds the discount rate of our models (9.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of CHUNGDAHM Learning Inc (096240)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For CHUNGDAHM Learning Inc it is 14,113 KRW per share (as of Sep 24, 2026), against a price of 8,440 KRW. It is the blended result of 23 valuation models (cash flow, earnings, asset, dividend).
Is CHUNGDAHM Learning Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 096240 trades below its calculated fair value: price 8,440 KRW, fair value 14,113 KRW, a gap of about +67% (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 096240?
No. The price is what the market pays today (8,440 KRW); the fair value is what the company's own numbers justify (14,113 KRW). For CHUNGDAHM Learning Inc the two are 5,673 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is CHUNGDAHM Learning Inc worth?
The market values CHUNGDAHM Learning Inc at about 71.2B KRW (market capitalisation, as of Sep 24, 2026). Per share that is 8,440 KRW; our models calculate a fair value of 14,113 KRW per share.
What do the bullish and bearish scenarios say about 096240?
Our models span a range for CHUNGDAHM Learning Inc: cautious scenario 9,989 KRW, base 14,113 KRW, optimistic 18,347 KRW per share (as of Sep 24, 2026, price 8,440 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of CHUNGDAHM Learning Inc (096240)?
Balance-sheet figures for CHUNGDAHM Learning Inc (as of Sep 24, 2026): debt of 0.00 per unit of equity. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is 096240 from its 52-week high?
CHUNGDAHM Learning Inc trades at 8,440 KRW, about 29% below its 52-week high of 11,925 KRW and 4% above the low of 8,140 KRW (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 14,113 KRW is for.
Which stocks are comparable to CHUNGDAHM Learning Inc?
From the same area (Academic & Educational Services) we also value MegaStudy Co, YBM Net, Inc, FEU, IPO, 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 CHUNGDAHM Learning Inc stock attractive at the current price?
The data as of Sep 24, 2026: price 8,440 KRW, calculated fair value 14,113 KRW (+67%), Quality Score 63/100, from 23 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 096240 calculated?
We run CHUNGDAHM Learning Inc through 23 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 14,113 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 14.1 % above its aggregate fair value. CHUNGDAHM Learning Inc currently trades 67 % 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 CHUNGDAHM Learning Inc (096240)?
The closing price on Sep 23, 2026 was 8,440 KRW. Our model-based fair value is 14,113 KRW, about +67% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with CHUNGDAHM Learning Inc right now?
The price is below even our cautious bear case (9,989 KRW). The market is more pessimistic than our downside scenario. Solid quality (63/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (9,989 KRW to 18,347 KRW) leaves room in how you read the outcome.
Key figures of CHUNGDAHM Learning Inc
How large is the market capitalisation of CHUNGDAHM Learning Inc (096240)?
The market capitalisation of CHUNGDAHM Learning Inc is 71.2B KRW (≈ $49.8M). 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 CHUNGDAHM Learning Inc (096240)?
The price-to-sales ratio of CHUNGDAHM Learning Inc is 0.32 (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 CHUNGDAHM Learning Inc (096240)?
The dividend yield of CHUNGDAHM Learning Inc is 6.3%. 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 CHUNGDAHM Learning Inc (096240)?
The net margin of CHUNGDAHM Learning Inc is 3.0% (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 CHUNGDAHM Learning Inc (096240)?
The return on equity (ROE) of CHUNGDAHM Learning Inc is 1,747% (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 CHUNGDAHM Learning Inc (096240)?
On an EBIT basis the return on assets of CHUNGDAHM Learning Inc is 8.0% (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 CHUNGDAHM Learning Inc (096240)?
The operating margin of CHUNGDAHM Learning Inc is 10.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at CHUNGDAHM Learning Inc (096240)?
Revenue at CHUNGDAHM Learning Inc is growing +5.2% versus a year earlier (3y avg −1.0%). 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 CHUNGDAHM Learning Inc (096240)?
Earnings per share at CHUNGDAHM Learning Inc are growing −47.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does CHUNGDAHM Learning Inc (096240) carry?
The net debt of CHUNGDAHM Learning Inc is 23.1B KRW (fiscal year 2025, ≈ 1.6 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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