Selvas Ai Inc. (108860) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Selvas Ai Inc. KRW 2,063, price KRW 8,800, upside -76.6%, quality 39 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Selvas AI Inc. operates as an artificial intelligence (AI) company in South Korea.
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Selvas AI Inc. operates as an artificial intelligence (AI) company in South Korea. The company offers Selvy Note, an AI Voice Record for recognizing the content of conversations such as research, consultation, and meetings; Selvy MediVoice, an AI medical voice recognition that generates medical records during the medical process through voice; Selvy SpeechEdu, an AI training voice recognition for text utilization learning, sentence pronunciation accuracy learning, and sophisticated pronunciation at the phoneme/phonetic level. It also provides odiro, an AI voice content creation solution; Selvy Alrimi, an AI announcement solution to enter the broadcast content as text and the announcement voice can be automatically transmitted at the desired time; Selvy Checkup, an AI disease occurrence probability prediction solution; OnFit, an IoT-based smart fitness/fitness membership management program; Selpub, a cloud-based multimedia eBook; and DIODICT, a mobile electronic dictionary. The company was formerly known as DIOTEK Co., Ltd. and changed its name to Selvas AI Inc. in September 2016. Selvas AI Inc. was founded in 1999 and is based in Seoul, South Korea.
Stock analysis
Selvas Ai Inc. (108860) currently trades at 8,800 KRW, while our model-based Fair Value estimate is 2,063 KRW, implying the stock looks roughly 326.4% overvalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 6,490 KRW per share, and 0 of the 13 models we run sit above the 8,800 KRW price.
Bear case: the Earnings-Based group reads lowest at 2,034 KRW, and 13 of the 13 models stay below the price. Evidence for this calculation is low.
Scenario range: 2,015 KRW (bear) to 2,103 KRW (bull), the price of 8,800 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 39/100 (below-average quality), in the Technology sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Selvas Ai Inc. reported revenue of 115B KRW in FY2025 versus 48.6B KRW in FY2021, a compound +24.0%/yr. Reported net income was −6.0B KRW in FY2025.
Key figures
Market cap 237B KRW (≈ $174M) · P/S ratio 1.55 · Net margin −5.2% · Return on equity −0.2% · Return on assets (EBIT) 1.9% · Operating margin −1.4% · Revenue (TTM) 115B KRW · Revenue growth (YoY) +0.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 47% below its 52-week high and 41% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −14% fair-value upside, at −77%, 108860 screens richer than that median.
Fair Value models
Bear 2,015 KRWFair Value 2,063 KRWBull 2,103 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.54/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+2.1%
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.
+31.2%
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.
+27.0%
Start year 2020 (pandemic). Over 10 years: +13.2% 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.
+14.3%
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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.
−6.3% (2020) → 1.3% (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).
+13.9%
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 +11.6% 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 industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Application · 720 stocks
Beats the industry median on 2/8 measures
Overall it trails its industry peers.
Valuation
Quality Score39 · Bottom 25%
Fair Value upside−77% · Bottom 25%
Profitability
Return on assets0% · Below median
Net margin (TTM)−4% · Below median
Operating margin (TTM)−1% · Below median
Growth and dividend
Revenue growth1% · Below median
Balance sheet
Debt / equity0.00× · Lowest 25%
Valuation Multiplesvs Software - Application median · lower = cheaper
P/FCF0.0× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 25
FUTURE (revenue growth)4· sector 38
PAST (return on equity)0· sector 16
HEALTH (low debt)100· sector 97
DIVIDEND (yield)0· sector 30
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). "Selvas Ai Inc. Fair Value". https://www.fairvalue-calculator.com/stock/108860
Frequently asked questions
Is Selvas Ai Inc. (108860) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 2,063 KRW versus a price of 8,800 KRW, about −77% upside (overvalued).
What is the fair value of 108860?
Our model-based fair value for Selvas Ai Inc. is 2,063 KRW (as of Sep 24, 2026), built from audited fundamentals. The current price: 8,800 KRW.
What is the quality score of 108860?
Selvas Ai Inc. has a Quality Score of 39/100. 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 Selvas Ai Inc. (108860)?
Our model-based price target is the fair value of 2,063 KRW (as of Sep 24, 2026) from 13 valuation models. Cautious scenario 2,015 KRW, optimistic scenario 2,103 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the Selvas Ai Inc. stock forecast for 2026?
Our models put fair value at 2,063 KRW, about −77% upside versus a price of 8,800 KRW (overvalued). Cautious scenario 2,015 KRW, optimistic scenario 2,103 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of Selvas Ai Inc. (108860)?
Selvas Ai Inc. reported trailing-twelve-month revenue of about 115B KRW (latest available figure, as of Sep 24, 2026).
What growth is priced into Selvas Ai Inc. (108860)?
For today's price to be fair in a discounted-cash-flow model, Selvas Ai Inc. would have to grow free cash flow by +13.9 % per year for five years (discount rate 11.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +27.0 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 108860 use?
Our models discount Selvas Ai Inc. at 11.6 %: a base by market capitalisation (micro), damped by beta 0.37, 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 Selvas Ai Inc. that is +13.9 % per year a year over ten years, using the same discount rate (11.6 %) and the same formula as our fair value.
How much growth has Selvas Ai Inc. (108860) delivered so far?
Over the past 5 years revenue at Selvas Ai Inc. grew +27.0 % a year. The price currently implies +13.9 % 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 Selvas Ai Inc. (108860) growing?
The median revenue growth in the sector is +8.2 % a year. That is the yardstick for the growth priced into Selvas Ai Inc. (+13.9 % 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 Selvas Ai Inc. (108860)?
The free-cash-flow yield on the price is 3.05 %: that much free cash flow Selvas Ai Inc. produces per unit of market value. When it exceeds the discount rate of our models (11.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Selvas Ai Inc. (108860)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Selvas Ai Inc. it is 2,063 KRW per share (as of Sep 24, 2026), against a price of 8,800 KRW. It is the blended result of 13 valuation models (cash flow, earnings, asset, dividend).
Is Selvas Ai Inc. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 108860 trades above its calculated fair value: price 8,800 KRW, fair value 2,063 KRW, a gap of about −77% (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 108860?
No. The price is what the market pays today (8,800 KRW); the fair value is what the company's own numbers justify (2,063 KRW). For Selvas Ai Inc. the two are 6,737 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is Selvas Ai Inc. worth?
The market values Selvas Ai Inc. at about 237B KRW (market capitalisation, as of Sep 24, 2026). Per share that is 8,800 KRW; our models calculate a fair value of 2,063 KRW per share.
What do the bullish and bearish scenarios say about 108860?
Our models span a range for Selvas Ai Inc.: cautious scenario 2,015 KRW, base 2,063 KRW, optimistic 2,103 KRW per share (as of Sep 24, 2026, price 8,800 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Selvas Ai Inc. (108860)?
Balance-sheet figures for Selvas Ai Inc. (as of Sep 24, 2026): return on equity −0.2%, debt of 0.00 per unit of equity. They feed the Quality Score of 39/100, which measures business quality independently of the share price.
How far is 108860 from its 52-week high?
Selvas Ai Inc. trades at 8,800 KRW, about 47% below its 52-week high of 16,750 KRW and 41% above the low of 6,230 KRW (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 2,063 KRW is for.
Which stocks are comparable to Selvas Ai Inc.?
From the same area (Technology) we also value SAP SE, Shopify Inc, Uber Technologies, Inc, Salesforce, Inc, 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 Selvas Ai Inc. stock attractive at the current price?
The data as of Sep 24, 2026: price 8,800 KRW, calculated fair value 2,063 KRW (−77%), Quality Score 39/100, from 13 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 108860 calculated?
We run Selvas Ai Inc. through 13 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 2,063 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. Selvas Ai Inc. 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 Selvas Ai Inc. (108860)?
The closing price on Sep 23, 2026 was 8,800 KRW. Our model-based fair value is 2,063 KRW, about −77% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Selvas Ai Inc. right now?
The price sits above even our optimistic bull case (2,103 KRW). The favourable scenario is already priced in. Weak quality (39/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. The models converge in a tight band (2,015 KRW to 2,103 KRW), unusually little disagreement for a valuation.
Key figures of Selvas Ai Inc.
How large is the market capitalisation of Selvas Ai Inc. (108860)?
The market capitalisation of Selvas Ai Inc. is 237B KRW (≈ $174M). 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 Selvas Ai Inc. (108860)?
The price-to-sales ratio of Selvas Ai Inc. is 1.55 (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 Selvas Ai Inc. (108860)?
The net margin of Selvas Ai Inc. is −5.2% (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 Selvas Ai Inc. (108860)?
The return on equity (ROE) of Selvas Ai Inc. is −0.2% (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 Selvas Ai Inc. (108860)?
On an EBIT basis the return on assets of Selvas Ai Inc. is 1.9% (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 Selvas Ai Inc. (108860)?
The operating margin of Selvas Ai Inc. is −1.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Selvas Ai Inc. (108860)?
Revenue at Selvas Ai Inc. is growing +0.8% versus a year earlier (3y avg +31.2%). 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 Selvas Ai Inc. (108860)?
Earnings per share at Selvas Ai Inc. are growing −93.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Selvas Ai Inc. (108860) carry?
The net debt of Selvas Ai Inc. is 1.6B KRW (fiscal year 2022, ≈ 0.2 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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