STO Co. Ltd (098660) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of STO Co. Ltd KRW 4,677, price KRW 1,624, upside +188.0%, quality 48 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 1,287 KRW – 3,594 KRW · fair‑value band 3,270 KRW – 6,152 KRW · the 1,624 KRW price screens below the 4,677 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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STO Co., Ltd. engages in the manufacture, distribution, and sale of men's clothing, leather, and accessories. The company was founded in 2003 and is headquartered in Seoul, South Korea.
Stock analysis
STO Co. Ltd (098660) currently trades at 1,624 KRW, while our model-based Fair Value estimate is 4,677 KRW, implying the stock looks roughly 65.3% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of 4,218 KRW per share, and 9 of the 11 models we run sit above the 1,624 KRW price.
Bear case: the Asset-Based group reads lowest at 1,237 KRW, and 2 of the 11 models stay below the price. Evidence for this calculation is medium.
Scenario range: 3,270 KRW (bear) to 6,152 KRW (bull), the price of 1,624 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 48/100 (below-average quality), in the Consumer Cyclical sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
STO Co. Ltd reported revenue of 71.5B KRW in FY2025 versus 64.5B KRW in FY2021, a compound +2.6%/yr. Reported net income was −4.8B KRW in FY2025.
Key figures
Market cap 19.7B KRW (≈ $14.5M) · P/S ratio 0.28 · Dividend yield 2.3% · Net margin −6.7% · Return on equity −391% · Return on assets (EBIT) 1.8% · Operating margin 2.5% · Revenue (TTM) 70.5B 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 18% below its 52-week high and 26% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at −19% fair-value upside, at 188%, 098660 screens cheaper than that median.
Fair Value models
Bear 3,270 KRWFair Value 4,677 KRWBull 6,152 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.40/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
+1.8%
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.
−0.8%
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.
+0.9%
Start year 2020 (pandemic). Over 10 years: −3.4% 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.
−2.4%
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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.
−9.3% (2020) → −2.0% (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
not computed
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).
−2.8%
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 −4.7% 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 “Textiles & Apparel” was too small, so the broader sector is used.)Consumer Discretionary · 3916 stocks
Beats the sector median on 4/10 measures
A mixed picture versus its sector peers.
Valuation
Quality Score48 · Below median
Fair Value upside+188% · Top 25%
Profitability
Return on assets2% · Below median
Net margin (TTM)2% · Below median
Operating margin (TTM)2% · Below median
Growth and dividend
Revenue growth17% · Top 25%
Dividend yield (TTM)2.3% · Below median
Balance sheet
Debt / equity0.31× · Above median
Valuation Multiplesvs Consumer Discretionary median · lower = cheaper
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Is STO Co. Ltd (098660) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 4,677 KRW versus a price of 1,624 KRW, about +188% upside (undervalued).
What is the fair value of 098660?
Our model-based fair value for STO Co. Ltd is 4,677 KRW (as of Sep 24, 2026), built from audited fundamentals. The current price: 1,624 KRW.
What is the quality score of 098660?
STO Co. Ltd has a Quality Score of 48/100. 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 STO Co. Ltd (098660)?
Our model-based price target is the fair value of 4,677 KRW (as of Sep 24, 2026) from 11 valuation models. Cautious scenario 3,270 KRW, optimistic scenario 6,152 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the STO Co. Ltd stock forecast for 2026?
Our models put fair value at 4,677 KRW, about +188% upside versus a price of 1,624 KRW (undervalued). Cautious scenario 3,270 KRW, optimistic scenario 6,152 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of STO Co. Ltd (098660)?
STO Co. Ltd reported trailing-twelve-month revenue of about 70.5B KRW (latest available figure, as of Sep 24, 2026).
Does STO Co. Ltd pay a dividend?
STO Co. Ltd currently shows a dividend yield of about 2.26% relative to its recent price (as of Sep 24, 2026).
What growth is priced into STO Co. Ltd (098660)?
For today's price to be fair in a discounted-cash-flow model, STO Co. Ltd would have to grow free cash flow by -2.8 % per year for five years (discount rate 8.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +0.9 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 098660 use?
Our models discount STO Co. Ltd at 8.9 %: a base by market capitalisation (nano), damped by beta 0.45, 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 STO Co. Ltd that is -2.8 % per year a year over ten years, using the same discount rate (8.9 %) and the same formula as our fair value.
How much growth has STO Co. Ltd (098660) delivered so far?
Over the past 5 years revenue at STO Co. Ltd grew +0.9 % a year. The price currently implies -2.8 % 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 STO Co. Ltd (098660) growing?
The median revenue growth in the sector is +2.6 % a year. That is the yardstick for the growth priced into STO Co. Ltd (-2.8 % 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 STO Co. Ltd (098660)?
The free-cash-flow yield on the price is 19.72 %: that much free cash flow STO Co. Ltd produces per unit of market value. When it exceeds the discount rate of our models (8.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of STO Co. Ltd (098660)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For STO Co. Ltd it is 4,677 KRW per share (as of Sep 24, 2026), against a price of 1,624 KRW. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is STO Co. Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 098660 trades below its calculated fair value: price 1,624 KRW, fair value 4,677 KRW, a gap of about +188% (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 098660?
No. The price is what the market pays today (1,624 KRW); the fair value is what the company's own numbers justify (4,677 KRW). For STO Co. Ltd the two are 3,053 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is STO Co. Ltd worth?
The market values STO Co. Ltd at about 19.7B KRW (market capitalisation, as of Sep 24, 2026). Per share that is 1,624 KRW; our models calculate a fair value of 4,677 KRW per share.
What do the bullish and bearish scenarios say about 098660?
Our models span a range for STO Co. Ltd: cautious scenario 3,270 KRW, base 4,677 KRW, optimistic 6,152 KRW per share (as of Sep 24, 2026, price 1,624 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of STO Co. Ltd (098660)?
Balance-sheet figures for STO Co. Ltd (as of Sep 24, 2026): return on equity −391.3%, debt of 0.31 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is 098660 from its 52-week high?
STO Co. Ltd trades at 1,624 KRW, about 18% below its 52-week high of 1,983 KRW and 26% above the low of 1,287 KRW (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 4,677 KRW is for.
Which stocks are comparable to STO Co. Ltd?
From the same area (Consumer Cyclical) we also value GAMSUNG Corporation, Codes Combine Co, Gold Pacific Co, HYUNGJI INNOVATION & CREATIVE 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 STO Co. Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price 1,624 KRW, calculated fair value 4,677 KRW (+188%), Quality Score 48/100, 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 098660 calculated?
We run STO Co. Ltd 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 4,677 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. STO Co. Ltd currently trades 188 % 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 STO Co. Ltd (098660)?
The closing price on Sep 23, 2026 was 1,624 KRW. Our model-based fair value is 4,677 KRW, about +188% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with STO Co. Ltd right now?
The price is below even our cautious bear case (3,270 KRW). The market is more pessimistic than our downside scenario. Solid quality (48/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (3,270 KRW to 6,152 KRW) leaves room in how you read the outcome.
Key figures of STO Co. Ltd
How large is the market capitalisation of STO Co. Ltd (098660)?
The market capitalisation of STO Co. Ltd is 19.7B KRW (≈ $14.5M). 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 STO Co. Ltd (098660)?
The price-to-sales ratio of STO Co. Ltd is 0.28 (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 STO Co. Ltd (098660)?
The dividend yield of STO Co. Ltd is 2.3%. 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 STO Co. Ltd (098660)?
The net margin of STO Co. Ltd is −6.7% (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 STO Co. Ltd (098660)?
The return on equity (ROE) of STO Co. Ltd is −391% (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 STO Co. Ltd (098660)?
On an EBIT basis the return on assets of STO Co. Ltd is 1.8% (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 STO Co. Ltd (098660)?
The operating margin of STO Co. Ltd is 2.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at STO Co. Ltd (098660)?
Revenue at STO Co. Ltd is growing +16.7% versus a year earlier (3y avg −0.8%). 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 STO Co. Ltd (098660)?
Earnings per share at STO Co. Ltd are growing −47.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does STO Co. Ltd (098660) carry?
The net debt of STO Co. Ltd is 27.8B KRW (fiscal year 2025, ≈ 7.2 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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