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Posbank Co.,Ltd (105760) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Posbank Co.,Ltd KRW 8,165, price KRW 5,010, upside +63.0%, quality 45 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
  3. Add to watchlist

Technology · KR

PC Thin data Sep 24, 2026

Posbank Co.,Ltd

105760 · KQ

Cheap, value-trap riskThe stock looks deeply undervalued, but low quality raises value-trap risk.

✓Fair value 8,165 KRW · Strongly undervalued (+63%)
!Quality 45/100
!Weak Growth (revenue 3y +0.0 %/yr)
!Thin margins · 5.5% net margin (TTM)
!Low debt · negative free cash flow
✓Ranks above peers (7/8)
!Narrow moat 32/100
!Evidence only low, so the estimate is less certain
!Weak on past: 27 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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Price vs Fair Value

28,000 KRW 3,355 KRW Fair Value 8,165 KRW Jan 2024 Sep 2026

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

32‑month range 3,355 KRW – 28,000 KRW · fair‑value band 5,716 KRW – 10,255 KRW · the 5,010 KRW price screens below the 8,165 KRW fair value. Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

Posbank Co.,Ltd. manufactures and sells POS terminals and peripherals in South Korea. The company offers hardware products, such as POS terminals, printers, touchscreen monitors, and peripherals for the retail, restaurant, and hospitality industries.

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Posbank Co.,Ltd. manufactures and sells POS terminals and peripherals in South Korea. The company offers hardware products, such as POS terminals, printers, touchscreen monitors, and peripherals for the retail, restaurant, and hospitality industries. It also provides embedded boards, including computer-on-module and multi-I/O expansion boards, embedded single-board computers, and industrial motherboards; embedded systems; all-in-one touch computers and monitors; and customized design services, as well as OEM / ODM POS and kiosk solutions for various environments such as restaurants, cafes, franchises, hotels, department stores, and shopping malls; and software development services. The company is headquartered in Seoul, South Korea.

Stock analysis

Posbank Co.,Ltd (105760) currently trades at 5,010 KRW, while our model-based Fair Value estimate is 8,165 KRW, implying the stock looks roughly 38.6% undervalued today.

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Valuation

Bull case: the Growth Earnings group reads highest at a median of 8,165 KRW per share, and 9 of the 12 models we run sit above the 5,010 KRW price.

Bear case: the Earnings-Based group reads lowest at 4,330 KRW, and 3 of the 12 models stay below the price. Evidence for this calculation is low.

Scenario range: 5,716 KRW (bear) to 10,255 KRW (bull), the price of 5,010 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 45/100 (below-average quality), in the Technology sector.

Weak Growth: Revenue growth is weak: less than 2 % a year.

Posbank Co.,Ltd reported revenue of 91.4B KRW in FY2025 versus 91.5B KRW in FY2021, a compound 0.0%/yr. Reported net income was 3.8B KRW in FY2025, compounding −18.6%/yr from FY2021.

Key figures

Market cap 48.7B KRW (≈ $35.8M) · P/S ratio 0.35 · Net margin 4.1% · Return on equity 6.8% · Return on assets (EBIT) 11.4% · Operating margin 7.5% · Revenue (TTM) 96.8B KRW · Revenue growth (YoY) +25.3%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).

What moves the price

The share trades about 20% below its 52-week high and 49% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Technology peers we cover trades at −50% fair-value upside, at 63%, 105760 screens cheaper than that median.

Fair Value models

Bear 5,716 KRW Fair Value 8,165 KRW Bull 10,255 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.
Highest evidence
EPV 4,054 KRW 4,449 KRW 4,790 KRW 71
ROIC Compounder 4,054 KRW 4,449 KRW 4,790 KRW 69
Residual Income 6,062 KRW 6,068 KRW 5,633 KRW 68
All 12 models by family
Earnings-Based
Graham-Dodd 2,646 KRW 4,330 KRW 5,241 KRW 64
EPV 4,054 KRW 4,449 KRW 4,790 KRW 71
Multiples
P/E Multiple 8,171 KRW 10,895 KRW 13,619 KRW 63
P/S Multiple 4,961 KRW 6,615 KRW 8,269 KRW 58
P/B Multiple 4,961 KRW 6,615 KRW 8,269 KRW 55
EV/EBIT 7,823 KRW 9,914 KRW 12,004 KRW 66
EV/EBITDA 9,346 KRW 11,944 KRW 14,542 KRW 67
EV/Revenue 4,722 KRW 6,081 KRW 7,440 KRW 54
Asset-Based
NCAV (Graham) 4,037 KRW 5,409 KRW 8,074 KRW 54
Economic Profit
Residual Income 6,062 KRW 6,068 KRW 5,633 KRW 68
ROIC Compounder 4,054 KRW 4,449 KRW 4,790 KRW 69
Growth Earnings
Growth-Adj P/E 5,716 KRW 8,165 KRW 10,615 KRW 65

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Quality Score breakdown

Overall quality 45/100

Of which business quality 47 · Market factors (momentum, volatility) 51

Profitability 40
Margins and returns on capital today
Quality Growth 53
Are margins and returns improving?
Cashflow 22
Earnings quality: real cash, not paper profit
Fin. Strength 76
Balance sheet, leverage, solvency risk
Investment 33
Disciplined investing over empire-building
Low Volatility 71
Calm price path (market factor)
Momentum 47
Price trend over the last 3–12 months (market factor)
52W Momentum 35
Distance to the 52-week high (market factor)
Net Issuance 59
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 25/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
+18.6%
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.
+0.0%
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.
−19.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−19.1%
Dividend (yield on the price)0.0%
Profit margin 2021 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.10% → 4%

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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.Computer Hardware · 220 stocks

Beats the industry median on 6/7 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 45 · Below median
Fair Value upside +63% · Top 25%
Profitability
Return on equity (TTM) 7% · Above median
Return on assets 3% · Above median
Net margin (TTM) 6% · Above median
Operating margin (TTM) 8% · Above median
Growth and dividend
Revenue growth 25% · Above median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 0
FUTURE (revenue growth)100 · sector 59
PAST (return on equity)27 · sector 26
HEALTH (low debt)100 · sector 97
DIVIDEND (yield)0 · sector 40

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Computer Hardware stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Dell Technologies Inc DELL $536.02 $195.72 −63%
Arista Networks, Inc ANET $205.70 $161.24 −22%
Seagate Technology Holdings STX $905.92 $220.46 −76%
Western Digital Corporation WDC $450.31 $206.23 −54%
Wiwynn Corporation 6669 2,115 TWD 1,065 TWD −50%
Hangzhou Hikvision Digital Technology Co 002415 ¥33.18 ¥46.76 +41%
Quanta Computer Inc 2382 338.50 TWD 228.14 TWD −33%
Lenovo Group 0992 HK$36.92 HK$33.70 −9%
Dawning Information Industry Co 603019 ¥84.67 ¥35.54 −58%
Everpure, Inc P $110.89 $51.46 −54%

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Posbank Co.,Ltd · Fair Value
8,165 KRW +39%Fair Value
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Cite: Fair Value Calculator (2026). "Posbank Co.,Ltd Fair Value". https://www.fairvalue-calculator.com/stock/105760

Frequently asked questions

Is Posbank Co.,Ltd (105760) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 8,165 KRW versus a price of 5,010 KRW, about +63% upside (undervalued).
What is the fair value of 105760?
Our model-based fair value for Posbank Co.,Ltd is 8,165 KRW (as of Sep 24, 2026), built from audited fundamentals. The current price: 5,010 KRW.
What is the quality score of 105760?
Posbank Co.,Ltd has a Quality Score of 45/100. 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 Posbank Co.,Ltd (105760)?
Our model-based price target is the fair value of 8,165 KRW (as of Sep 24, 2026) from 12 valuation models. Cautious scenario 5,716 KRW, optimistic scenario 10,255 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the Posbank Co.,Ltd stock forecast for 2026?
Our models put fair value at 8,165 KRW, about +63% upside versus a price of 5,010 KRW (undervalued). Cautious scenario 5,716 KRW, optimistic scenario 10,255 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of Posbank Co.,Ltd (105760)?
Posbank Co.,Ltd reported trailing-twelve-month revenue of about 96.8B KRW (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Posbank Co.,Ltd (105760)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Posbank Co.,Ltd it is 8,165 KRW per share (as of Sep 24, 2026), against a price of 5,010 KRW. It is the blended result of 12 valuation models (cash flow, earnings, asset, dividend).
Is Posbank Co.,Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 105760 trades below its calculated fair value: price 5,010 KRW, fair value 8,165 KRW, a gap of about +63% (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 105760?
No. The price is what the market pays today (5,010 KRW); the fair value is what the company's own numbers justify (8,165 KRW). For Posbank Co.,Ltd the two are 3,155 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is Posbank Co.,Ltd worth?
The market values Posbank Co.,Ltd at about 48.7B KRW (market capitalisation, as of Sep 24, 2026). Per share that is 5,010 KRW; our models calculate a fair value of 8,165 KRW per share.
What do the bullish and bearish scenarios say about 105760?
Our models span a range for Posbank Co.,Ltd: cautious scenario 5,716 KRW, base 8,165 KRW, optimistic 10,255 KRW per share (as of Sep 24, 2026, price 5,010 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Posbank Co.,Ltd (105760)?
Balance-sheet figures for Posbank Co.,Ltd (as of Sep 24, 2026): return on equity 6.8%. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is 105760 from its 52-week high?
Posbank Co.,Ltd trades at 5,010 KRW, about 20% below its 52-week high of 6,230 KRW and 49% above the low of 3,355 KRW (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 8,165 KRW is for.
Which stocks are comparable to Posbank Co.,Ltd?
From the same area (Technology) we also value Dell Technologies Inc, Arista Networks, Inc, Seagate Technology Holdings, Western Digital Corporation, 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 Posbank Co.,Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price 5,010 KRW, calculated fair value 8,165 KRW (+63%), Quality Score 45/100, from 12 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 105760 calculated?
We run Posbank Co.,Ltd through 12 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 8,165 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. Posbank Co.,Ltd currently trades 63 % 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 Posbank Co.,Ltd (105760)?
The closing price on Sep 23, 2026 was 5,010 KRW. Our model-based fair value is 8,165 KRW, about +63% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Posbank Co.,Ltd right now?
The price is below even our cautious bear case (5,716 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. Solid quality (45/100) at a price below fair value, the discount is the argument here, not the business quality.

Key figures of Posbank Co.,Ltd

How large is the market capitalisation of Posbank Co.,Ltd (105760)?
The market capitalisation of Posbank Co.,Ltd is 48.7B KRW (≈ $35.8M). 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 Posbank Co.,Ltd (105760)?
The price-to-sales ratio of Posbank Co.,Ltd is 0.35 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of Posbank Co.,Ltd (105760)?
The net margin of Posbank Co.,Ltd is 4.1% (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 Posbank Co.,Ltd (105760)?
The return on equity (ROE) of Posbank Co.,Ltd is 6.8% (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 Posbank Co.,Ltd (105760)?
On an EBIT basis the return on assets of Posbank Co.,Ltd is 11.4% (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 Posbank Co.,Ltd (105760)?
The operating margin of Posbank Co.,Ltd is 7.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Posbank Co.,Ltd (105760)?
Revenue at Posbank Co.,Ltd is growing +25.3% versus a year earlier (3y avg 0.0%). 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 Posbank Co.,Ltd (105760)?
Earnings per share at Posbank Co.,Ltd are growing +163% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Posbank Co.,Ltd (105760) generate?
The free cash flow of Posbank Co.,Ltd is −1.5B 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 Posbank Co.,Ltd (105760) carry?
The net debt of Posbank Co.,Ltd is 1.9B KRW (fiscal year 2024). 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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