Finger Inc. (163730) fair value: what the stock is really worth
As of Oct 29, 2026: fair value (intrinsic value) of Finger Inc. stock KRW 1,480, price KRW 12,480, upside -88.1%, quality 68 out of 100. Rating: strongly overvalued. 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. As of Oct 29, 2026.
How to read this chart
60‑month range 5,939 KRW – 27,790 KRW · fair‑value band 976.57 KRW – 1,732 KRW · the 12,480 KRW price screens above the 1,480 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 29, 2026.
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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.
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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 12,480 KRW, while our model-based Fair Value estimate is 1,480 KRW, 88.1% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 5,018 KRW per share, and 1 of the 25 models we run sit above the 12,480 KRW price.
Bear case: the Dividend Discount group reads lowest at 415.92 KRW, and 24 of the 25 models stay below the price. Data coverage for this calculation is low.
Scenario range: 976.57 KRW (bear) to 1,732 KRW (bull), the price of 12,480 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 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 148B KRW (≈ $111M) Micro · P/E ratio 24.8 · P/S ratio 1.63 · EPS (TTM) 505.52 KRW · Dividend yield 0.8% · Net margin 6.5% · Return on equity 7.9% · Return on assets (EBIT) 5.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 30 out of 100 (low confidence).
What moves the price
The share trades about 47% below its 52-week high and 88% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at −19% fair-value upside, at −88%, 163730 screens richer than that median.
Fair Value models
The price assumes far more growth than our models allow for, so the models scatter widely (61.24 KRW to 22,788 KRW). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear976.57 KRWFair Value 1,480 KRWBull1,732 KRW
Price 12,480 KRW · Upside -88.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (335.53 KRW per share) are deliberately not added.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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = 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%
Start year 2020 (pandemic)
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%
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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.
−38.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−38.9%
Dividend (yield on the price)0.8%
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
A lot of optimism in the price
The price assumes more 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).
+14.5%
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 +12.1% 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 · 644 stocks
Beats the industry median on 4/13 measures
Overall it trails its industry peers.
Valuation
Quality Score68 · Top 25%
Fair Value upside−88.2% · Bottom 25%
Profitability
Return on assets0.4% · Below median
Net margin (12 months)−0.2% · Below median
Operating margin (12 months)−1.3% · Below median
Growth and dividend
Revenue growth (quarter YoY)−0.7% · Below median
Dividend yield (12 months)0.8% · Below median
Balance sheet
Debt / equity0.04× · Below median
Valuation Multiplesvs Software - Application median · lower = cheaper
P/E (12 months)24.8× · Cheaper than median
P/B3.25× · Pricier than median
P/S (12 months)1.63× · Cheaper than median
Price / free cash flow22.7× · Pricier than median
EV/EBITDA48.6× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 31
FUTURE (revenue growth)16· sector 40
PAST (return on equity)31· sector 19
HEALTH (low debt)98· sector 97
DIVIDEND (yield)16· 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). "Finger Inc. Fair Value". https://www.fairvalue-calculator.com/stock/163730
Frequently asked questions
Is Finger Inc. (163730) overvalued or undervalued?
As of Oct 29, 2026, our model estimates a fair value of 1,480 KRW versus a price of 12,480 KRW, about −88% upside (overvalued).
What is the fair value of 163730?
Our model-based fair value for Finger Inc. is 1,480 KRW (as of Oct 29, 2026), built from audited fundamentals. The current price: 12,480 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 1,480 KRW (as of Oct 29, 2026) from 25 valuation models. Cautious scenario 976.57 KRW, optimistic scenario 1,732 KRW. 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 1,480 KRW, about −88% upside versus a price of 12,480 KRW (overvalued). Cautious scenario 976.57 KRW, optimistic scenario 1,732 KRW. 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 92.2B KRW (latest available figure, as of Oct 29, 2026).
Does Finger Inc. pay a dividend?
Finger Inc. currently shows a dividend yield of 0.80% relative to its recent price (as of Oct 29, 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 +14.5 % 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 Oct 29, 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 2.20, 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 +14.5 % 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 +14.5 % 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 +10.9 % a year. That is the yardstick for the growth priced into Finger Inc. (+14.5 % 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 5.69 %: 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 1,480 KRW per share (as of Oct 29, 2026), against a price of 12,480 KRW. It is the blended result of 25 valuation models (cash flow, earnings, asset, dividend).
Is Finger Inc. stock overvalued or undervalued in 2026?
As of Oct 29, 2026, 163730 trades above its calculated fair value: price 12,480 KRW, fair value 1,480 KRW, a gap of about −88% (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 (12,480 KRW); the fair value is what the company's own numbers justify (1,480 KRW). For Finger Inc. the two are 11,000 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 148B KRW (market capitalisation, as of Oct 29, 2026). Per share that is 12,480 KRW; our models calculate a fair value of 1,480 KRW per share.
What do the bullish and bearish scenarios say about 163730?
Our models span a range for Finger Inc.: cautious scenario 976.57 KRW, base 1,480 KRW, optimistic 1,732 KRW per share (as of Oct 29, 2026, price 12,480 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 163730?
Finger Inc. trades at a price-to-earnings ratio of 24.8 (as of Oct 29, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 1,480 KRW is built from several models across several years. Other multiples: P/B 3.3, P/S 1.6, EV/EBITDA 48.6.
How solid is the balance sheet of Finger Inc. (163730)?
Balance-sheet figures for Finger Inc. (as of Oct 29, 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 12,480 KRW, about 47% below its 52-week high of 23,700 KRW and 88% above the low of 6,630 KRW (as of Oct 29, 2026). Distance from the high says nothing about value: that is what the fair value of 1,480 KRW is for.
Which stocks are comparable to Finger Inc.?
From the same area (Technology) we also value SAP SE, Shopify Inc, Salesforce, Inc, ServiceNow, 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 Oct 29, 2026: price 12,480 KRW, calculated fair value 1,480 KRW (−88%), Quality Score 68/100, from 25 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 25 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 1,480 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 13.4 % 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 is the share price of Finger Inc. (163730)?
The closing price on Oct 29, 2026 was 12,480 KRW. Our model-based fair value is 1,480 KRW, about −88% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Finger Inc. right now?
The price sits above even our optimistic bull case (1,732 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 148B KRW (≈ $111M). 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 1.63 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Finger Inc. (163730)?
Earnings per share at Finger Inc. are 505.52 KRW (price ÷ EPS = P/E 24.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Finger Inc. (163730)?
The dividend yield of Finger Inc. is 0.8% (payout 19.8%). 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 6.5% (last twelve months). 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 7.9% (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 1.7% (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 +3.2% 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 +795% 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.
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Thin data
Oct 29, 2026