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Posbank Co (105760) Fair Value & Analysis

Technology · KR · Market cap 34.3B KRW

PC Posbank Co 105760 · KQ
Price4,625 KRW
Fair Value8,165 KRW
Upside+76.5%
Quality45/100
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Weak Growth
Thin margins · 5.5% net margin
Low debt · negative free cash flow
Ranks above peers (7/8)
Narrow moat 32/100
Evidence: Medium Range 5,716 KRW – 10,255 KRW Share as image

Fair value as of: Jul 22, 2026

From 12 valuation models · updated 19 days ago

Fair value updated Jul 22, 2026, revised from 8,156 KRW to 8,165 KRW (+0.1%) since Jun 25, 2026. Share price +28.7% over the past month.

Below-average quality, screening 77% undervalued on our models.

What matters now

  • The price is below even our cautious bear case (5,716 KRW). The market is more pessimistic than our downside scenario.
  • Solid quality (45/100) at a price below fair value, the discount is the argument here, not the business quality.
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Price vs Fair Value (3 years)

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

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 22, 2026.

How to read this chart

30‑month range 3,355 KRW – 28,000 KRW · fair‑value band 5,716 KRW – 10,255 KRW · the 4,625 KRW price screens below the 8,165 KRW fair value. Dashed = 300-day average. As of Jul 22, 2026.

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Analysis

Posbank Co (105760) currently trades at 4,625 KRW, while our model-based Fair Value estimate is 8,165 KRW, implying the stock looks roughly 76.5% undervalued today. The Quality Score stands at 45/100 (below-average quality), in the Technology 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: medium), always confirm before acting.

Over the trailing twelve months, Posbank Co generated revenue of 96.8B KRW at a net margin of 5.5%. Revenue grew 25.3% year over year. It earns a return on equity of 6.8%. Net debt stands at 1.9B KRW. Fundamentals as of Jul 22, 2026

Our scenario range runs from 5,716 KRW (bear case) to 10,255 KRW (bull case); at 4,625 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 38% below its 52-week high and 18% above its 52-week low, currently below its 200-day average. For context, the median of 10 Technology peers we cover trades at -67% fair-value upside, at 77%, 105760 screens cheaper 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.

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
Highest evidence
ROIC Compounder 4,173 KRW 4,610 KRW 4,992 KRW 72
Growth-Adj P/E 5,716 KRW 8,165 KRW 10,615 KRW 68
P/E Multiple 8,171 KRW 10,895 KRW 13,619 KRW 63
All 12 models by family
Earnings-Based
Graham-Dodd 2,646 KRW 4,330 KRW 5,241 KRW 54
EPV 4,173 KRW 4,610 KRW 4,992 KRW 59
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 53
EV/EBITDA 9,346 KRW 11,944 KRW 14,542 KRW 54
EV/Revenue 4,722 KRW 6,081 KRW 7,440 KRW 43
Asset-Based
NCAV (Graham) 4,037 KRW 5,409 KRW 8,074 KRW 50
Economic Profit
Residual Income 6,158 KRW 6,202 KRW 5,872 KRW 61
ROIC Compounder 4,173 KRW 4,610 KRW 4,992 KRW 72
Growth Earnings
Growth-Adj P/E 5,716 KRW 8,165 KRW 10,615 KRW 68

Widest divergence: Growth Earnings (8,165 KRW) versus Earnings-Based (4,330 KRW). Highest evidence: ROIC Compounder (72).

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Key figures & financial health

Revenue (TTM) 96.8B KRW
Revenue growth (YoY) +25.3%
Net margin 5.5%
Return on equity 6.8%
Free cash flow −1.5B KRW FY2025
Operating margin 7.5%
More key figures
EPS growth (YoY) +163%
Net debt 1.9B KRW FY2024

Figures from reported company fundamentals · as of Jul 22, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 45/100

Of which business quality 47 · Market factors (momentum, volatility) 34

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 17
Price trend over the last 3–12 months (market factor)
52W Momentum 18
Distance to the 52-week high (market factor)
Net Issuance 59
Buybacks instead of dilution

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

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Posbank Co 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.

Growth Quality 25/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2025)
91.4B KRW
Latest YoY
+18.6%
Avg. growth/yr (3Y) 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.
+0.0%
Revenue −0.0%/yr
FY21 91.5B KRW
FY22 91.5B KRW
FY23 79.3B KRW
FY24 77.1B KRW
FY25 91.4B KRW
Net income −18.6%/yr
FY21 8.6B KRW
FY22 7.0B KRW
FY23 7.5B KRW
FY24 5.4B KRW
FY25 3.8B KRW

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Cite: Fair Value Calculator (2026). "Posbank Co Fair Value". https://www.fairvalue-calculator.com/stock/105760

Peer Group

Computer Hardware · 215 stocks

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.

Quality Score 45 · Below median
Fair Value upside +77% · Top 25%
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
Revenue growth 25% · Above median

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.

VALUE 100 · sector 0
FUTURE 100 · sector 57
PAST 27 · sector 26
HEALTH 100 · sector 97
DIVIDEND 0 · sector 44

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Computer Hardware stocks, each showing price versus our Fair Value estimate (as of Jul 22, 2026).

Stock Price Fair Value vs Fair Value
Compal Electronics, Inc CEIR $0.0310 $0.0276 -11%
Dell Technologies Inc DELL $434.97 $163.87 -62%
Arista Networks, Inc ANET $168.56 $43.74 -74%
Western Digital Corporation WDC $513.84 $74.05 -86%
Wiwynn Corporation 6669 4,685 TWD 1,559 TWD -67%
Hangzhou Hikvision Digital Technology Co 002415 ¥34.12 ¥30.11 -12%
Quanta Computer Inc 2382 373.50 TWD 297.22 TWD -20%
Shenzhen Longsys Electronics Co 301308 ¥587.60 ¥60.86 -90%
Lenovo Group 0992 HK$23.16 HK$3.07 -87%
Dawning Information Industry Co 603019 ¥106.13 ¥28.88 -73%

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Frequently asked questions

Is Posbank Co (105760) overvalued or undervalued?
As of Jul 22, 2026, our model estimates a fair value of 8,165 KRW versus a price of 4,625 KRW, about +77% (undervalued).
What is the fair value of 105760?
Our model-based fair value for Posbank Co is 8,165 KRW (as of Jul 22, 2026), built from audited fundamentals. The current price is 4,625 KRW.
What is the quality score of 105760?
Posbank Co 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 revenue of Posbank Co (105760)?
Posbank Co reported trailing-twelve-month revenue of about 96.8B KRW (latest available figure, as of Jul 22, 2026).
What is the net profit margin of 105760?
The net profit margin of Posbank Co is about 5.5%, meaning it keeps roughly 5.5% of revenue as net income. Based on the latest reported figures.

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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