Finger Inc. (163730) fair value: what the stock is really worth
We calculate from audited financials what Finger Inc. is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
Watch Finger Inc. for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for free
Finger, Inc., a fintech company, provides digital financial solutions in Korea. The company offers a platform for financial non-face-to-face financial channels, including full banking, financial portal, and open and global banking.
Show more
Finger, Inc., a fintech company, provides digital financial solutions in Korea. The company offers a platform for financial non-face-to-face financial channels, including full banking, financial portal, and open and global banking. It also engages in the in-house research, development, and supply of various technologies for digital financial services, such as banking, remittance/payment, MyData, and Regtech solutions. In addition, the company provides fintech services, consisting of fund and collection management; remittance and payment; data brokerage; cloud; and family services. Finger, Inc. was founded in 2000 and is based in Seoul, South Korea.
Stock analysis
Finger Inc. (163730) currently trades at 9,180 KRW, while our model-based Fair Value estimate is 2,110 KRW, implying the stock looks roughly 335.2% overvalued today.
Show more
Valuation
Bull case: the DCF Models group reads highest at a median of 6,017 KRW per share, and 2 of the 23 models we run sit above the 9,180 KRW price.
Bear case: the Earnings-Based group reads lowest at 420.83 KRW, and 21 of the 23 models stay below the price. Evidence for this calculation is low.
Quality & growth
The Quality Score stands at 68/100 (solid quality), in the Technology sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Finger Inc. reported revenue of 91.6B KRW in FY2025 versus 94.8B KRW in FY2021, a compound −0.8%/yr. Reported net income was 296M KRW in FY2025, compounding −16.2%/yr from FY2021.
Key figures
Market cap 92.4B KRW (≈ $64.7M) · P/S ratio 1.01 · Dividend yield 1.1% · Net margin 0.3% · Return on equity −0.5% · Return on assets (EBIT) 5.1% · Operating margin −1.3% · Revenue (TTM) 91.5B KRW.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 64% below its 52-week high and 6% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −12% fair-value upside, at −77%, 163730 screens richer than that median.
Fair Value models
Bear 2,110 KRWFair Value 2,110 KRWBull 2,110 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.73/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+27.9%
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.
+0.6%
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.
+8.9%
Revenue growth 7 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.
+13.4%
’18
’19
’20
’21
’22
’23
’24
’25
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.
−37.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year−38.9%
Dividend (yield on the price)1.1%
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.6% → 2%
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).
+5.8%
Yearly growth needed for the next five years to justify today's price.
Price, fair value, quality and upside side by side.
Free, no sign-up
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 · 696 stocks
Beats the industry median on 3/8 measures
Overall it trails its industry peers.
Valuation
Quality Score67 · Top 25%
Profitability
Return on assets1% · Below median
Net margin (TTM)0% · Below median
Operating margin (TTM)−1% · Below median
Growth and dividend
Revenue growth−1% · Below median
Dividend yield (TTM)1.1% · Below median
Balance sheet
Debt / equity0.04× · Below median
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 24
FUTURE (revenue growth)0· sector 36
PAST (return on equity)0· sector 11
HEALTH (low debt)98· sector 98
DIVIDEND (yield)22· sector 28
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). "Finger Inc. Fair Value". https://www.fairvalue-calculator.com/stock/163730
Frequently asked questions
Is Finger Inc. (163730) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of 2,110 KRW versus a price of 9,180 KRW, about −77% upside (overvalued).
What is the fair value of 163730?
Our model-based fair value for Finger Inc. is 2,110 KRW (as of Sep 13, 2026), built from audited fundamentals. The current price: 9,180 KRW.
What is the quality score of 163730?
Finger Inc. has a Quality Score of 68/100. 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 Finger Inc. (163730)?
Our model-based price target is the fair value of 2,110 KRW (as of Sep 13, 2026) from 23 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the Finger Inc. stock forecast for 2026?
Our models put fair value at 2,110 KRW, about −77% upside versus a price of 9,180 KRW (overvalued). The calculation is refreshed regularly with new filings.
What is the revenue of Finger Inc. (163730)?
Finger Inc. reported trailing-twelve-month revenue of about 91.5B KRW (latest available figure, as of Sep 13, 2026).
Does Finger Inc. pay a dividend?
Finger Inc. currently shows a dividend yield of about 1.09% relative to its recent price (as of Sep 13, 2026).
What growth is priced into Finger Inc. (163730)?
For today's price to be fair in a discounted-cash-flow model, Finger Inc. would have to grow free cash flow by +5.8 % per year for five years (discount rate 15.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +8.9 % per year. As of Sep 13, 2026.
What discount rate (WACC) does the fair value of 163730 use?
Our models discount Finger Inc. at 15.6 %: a base by market capitalisation (micro), damped by beta 1.99, 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 Finger Inc. that is +5.8 % per year a year over ten years, using the same discount rate (15.6 %) and the same formula as our fair value.
How much growth has Finger Inc. (163730) delivered so far?
Over the past 5 years revenue at Finger Inc. grew +8.9 % a year. The price currently implies +5.8 % 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 Finger Inc. (163730) growing?
The median revenue growth in the sector is +8.1 % a year. That is the yardstick for the growth priced into Finger Inc. (+5.8 % 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 Finger Inc. (163730)?
The free-cash-flow yield on the price is 7.73 %: that much free cash flow Finger Inc. produces per unit of market value. When it exceeds the discount rate of our models (15.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Finger Inc. (163730)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Finger Inc. it is 2,110 KRW per share (as of Sep 13, 2026), against a price of 9,180 KRW. It is the blended result of 23 valuation models (cash flow, earnings, asset, dividend).
Is Finger Inc. stock overvalued or undervalued in 2026?
As of Sep 13, 2026, 163730 trades above its calculated fair value: price 9,180 KRW, fair value 2,110 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 163730?
No. The price is what the market pays today (9,180 KRW); the fair value is what the company's own numbers justify (2,110 KRW). For Finger Inc. the two are 7,071 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is Finger Inc. worth?
The market values Finger Inc. at about 92.4B KRW (market capitalisation, as of Sep 13, 2026). Per share that is 9,180 KRW; our models calculate a fair value of 2,110 KRW per share.
How solid is the balance sheet of Finger Inc. (163730)?
Balance-sheet figures for Finger Inc. (as of Sep 13, 2026): return on equity −0.5%, debt of 0.04 per unit of equity. They feed the Quality Score of 68/100, which measures business quality independently of the share price.
How far is 163730 from its 52-week high?
Finger Inc. trades at 9,180 KRW, about 64% below its 52-week high of 25,650 KRW and 6% above the low of 8,700 KRW (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of 2,110 KRW is for.
Which stocks are comparable to Finger 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 Finger Inc. stock attractive at the current price?
The data as of Sep 13, 2026: price 9,180 KRW, calculated fair value 2,110 KRW (−77%), Quality Score 68/100, 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 163730 calculated?
We run Finger 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 2,110 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 15.8 % above its aggregate fair value. Finger 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 should I pay attention to with Finger Inc. right now?
The price sits above even our optimistic bull case (2,110 KRW). The favourable scenario is already priced in. 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 but not exceptional quality (68/100) and above fair value, neither a clear bargain nor a standout compounder.
Key figures of Finger Inc.
How large is the market capitalisation of Finger Inc. (163730)?
The market capitalisation of Finger Inc. is 92.4B KRW (≈ $64.7M). 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 Finger Inc. (163730)?
The price-to-sales ratio of Finger Inc. is 1.01 (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 Finger Inc. (163730)?
The dividend yield of Finger Inc. is 1.1%. 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 Finger Inc. (163730)?
The net margin of Finger Inc. is 0.3% (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 Finger Inc. (163730)?
The return on equity (ROE) of Finger Inc. is −0.5% (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 Finger Inc. (163730)?
On an EBIT basis the return on assets of Finger Inc. is 5.1% (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 Finger Inc. (163730)?
The operating margin of Finger Inc. is −1.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Finger Inc. (163730)?
Revenue at Finger Inc. is growing −0.7% versus a year earlier (3y avg +0.6%). 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 Finger Inc. (163730)?
Earnings per share at Finger Inc. are growing −91.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Finger Inc. (163730) carry?
The net debt of Finger Inc. is 19.7B KRW (fiscal year 2019, ≈ 3.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch Finger Inc. in the live analysis
One click puts Finger Inc. on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
