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Bankware Global Co., Ltd (199480) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Bankware Global Co., Ltd KRW 702, price KRW 4,010, upside -82.5%, quality 62 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
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Technology · KR

BG Thin data Sep 24, 2026

Bankware Global Co., Ltd

199480 · KQ

Stretched ValuationStrong overvaluation with only moderate quality.

!Fair value 701.86 KRW · Strongly overvalued (−82.5%)
✓Quality 62/100
!Weak Growth (revenue 3y −4.5 %/yr)
!Loss-making · -2.0% net margin (TTM)
!Low debt · negative free cash flow
!Trails peers (2/8)
!Narrow moat 12/100
!Evidence only low, so the estimate is less certain
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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

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

15,750 KRW 2,200 KRW Fair Value 701.86 KRW Aug 2024 Oct 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

26‑month range 2,200 KRW – 15,750 KRW · fair‑value band 463.23 KRW – 877.33 KRW · the 4,010 KRW price screens above the 701.86 KRW fair value. Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

Bankware Global Co., Ltd. engages in the development, supply, and sale of financial software in South Korea and internationally.

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Bankware Global Co., Ltd. engages in the development, supply, and sale of financial software in South Korea and internationally. The company offers BX-CBP, a retail core banking solution; BX-LOS, a lending solution; BX-AFS, an installment finance solution for card, capital, and automobile finance companies; H-ALIS, a credit card solution; and BX-ERP, an enterprise resource planning solution for small and medium-sized financial institutions. It also provides tech platform software solution; and financial cloud and system construction services. The company was founded in 2010 and is headquartered in Seoul, South Korea.

Stock analysis

Bankware Global Co., Ltd (199480) currently trades at 4,010 KRW, while our model-based Fair Value estimate is 701.86 KRW, 82.5% below the price, so the stock looks overvalued today.

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Valuation

How firm this estimate is: it rests on 1 models at a data quality of 95/100, which puts the evidence level at low.

Scenario range: 463.23 KRW (bear) to 877.33 KRW (bull), the price of 4,010 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 62/100 (solid quality), in the Technology sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

Bankware Global Co., Ltd reported revenue of 63.4B KRW in FY2025 versus 95.0B KRW in FY2021, a compound −9.6%/yr. Reported net income was −2.8B KRW in FY2025.

Key figures

Market cap 40.5B KRW (≈ $30.2M) · P/S ratio 0.40 · Net margin −4.4% · Return on equity −7.9% · Return on assets (EBIT) −11.1% · Operating margin −6.1% · Revenue (TTM) 68.6B KRW · Revenue growth (YoY) +35.9%.

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 46% below its 52-week high and 82% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Technology peers we cover trades at −8% fair-value upside, at −83%, 199480 screens richer than that median.

Fair Value models

Bear 463.23 KRW Fair Value 701.86 KRW Bull 877.33 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. 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. 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
NCAV (Graham) 879.79 KRW 1,179 KRW 1,760 KRW 54
All 1 models by family
Asset-Based
NCAV (Graham) 879.79 KRW 1,179 KRW 1,760 KRW 54

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Quality Score breakdown

Overall quality 62/100

Of which business quality 60 · Market factors (momentum, volatility) 21

Profitability 26
Margins and returns on capital today
Quality Growth 100
Are margins and returns improving?
Cashflow 33
Earnings quality: real cash, not paper profit
Fin. Strength 59
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 0
Calm price path (market factor)
Momentum 38
Price trend over the last 3–12 months (market factor)
52W Momentum 14
Distance to the 52-week high (market factor)
Net Issuance 80
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. 6/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+26.4%
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.
−4.5%
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.
3.7% (2021) → −6.9% (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

199480 screens overvalued: fair value 83% below the price. Compare with SAP SE →

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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 · 691 stocks

Beats the industry median on 2/7 measures
Overall it trails its industry peers.
Valuation
Quality Score 60 · Above median
Fair Value upside −82.5% · Bottom 25%
Profitability
Return on assets −4.7% · Bottom 25%
Net margin (TTM) −2.0% · Below median
Operating margin (TTM) −6.1% · Below median
Growth and dividend
Revenue growth 35.9% · Top 25%
Balance sheet
Debt / equity 0.11× · Above median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 27
FUTURE (revenue growth)100 · sector 43
PAST (return on equity)0 · sector 16
HEALTH (low debt)95 · sector 97
DIVIDEND (yield)0 · sector 30

VALUE 0: the price sits above our fair-value range.

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 Software - Application stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
SAP SE SAP €186.74 €172.46 −8%
Salesforce, Inc CRM $229.57 $342.73 +49%
Shopify Inc SHOP $144.01 $64.36 −55%
ServiceNow, Inc NOW $134.01 $147.41 +10%
Uber Technologies, Inc UBER $69.36 $103.69 +49%
Snowflake Inc SNOW $330.31 $74.36 −77%
Automatic Data Processing, Inc ADP $261.80 $150.01 −43%
Adobe Inc ADBE $239.94 $454.04 +89%
Datadog, Inc DDOG $268.70 $32.52 −88%
Cadence Design Systems, Inc CDNS $326.70 $225.48 −31%

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Bankware Global Co., Ltd · Fair Value
701.86 KRW −83%Fair Value
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Cite: Fair Value Calculator (2026). "Bankware Global Co., Ltd Fair Value". https://www.fairvalue-calculator.com/stock/199480

Frequently asked questions

Is Bankware Global Co., Ltd (199480) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 701.86 KRW versus a price of 4,010 KRW, about −83% upside (overvalued).
What is the fair value of 199480?
Our model-based fair value for Bankware Global Co., Ltd is 701.86 KRW (as of Sep 24, 2026), built from audited fundamentals. The current price: 4,010 KRW.
What is the quality score of 199480?
Bankware Global Co., Ltd has a Quality Score of 62/100. 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 Bankware Global Co., Ltd (199480)?
Our model-based price target is the fair value of 701.86 KRW (as of Sep 24, 2026) from 1 valuation models. Cautious scenario 463.23 KRW, optimistic scenario 877.33 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the Bankware Global Co., Ltd stock forecast for 2026?
Our models put fair value at 701.86 KRW, about −83% upside versus a price of 4,010 KRW (overvalued). Cautious scenario 463.23 KRW, optimistic scenario 877.33 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of Bankware Global Co., Ltd (199480)?
Bankware Global Co., Ltd reported trailing-twelve-month revenue of about 68.6B KRW (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Bankware Global Co., Ltd (199480)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bankware Global Co., Ltd it is 701.86 KRW per share (as of Sep 24, 2026), against a price of 4,010 KRW. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Bankware Global Co., Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 199480 trades above its calculated fair value: price 4,010 KRW, fair value 701.86 KRW, a gap of about −83% (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 199480?
No. The price is what the market pays today (4,010 KRW); the fair value is what the company's own numbers justify (701.86 KRW). For Bankware Global Co., Ltd the two are 3,308 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is Bankware Global Co., Ltd worth?
The market values Bankware Global Co., Ltd at about 40.5B KRW (market capitalisation, as of Sep 24, 2026). Per share that is 4,010 KRW; our models calculate a fair value of 701.86 KRW per share.
What do the bullish and bearish scenarios say about 199480?
Our models span a range for Bankware Global Co., Ltd: cautious scenario 463.23 KRW, base 701.86 KRW, optimistic 877.33 KRW per share (as of Sep 24, 2026, price 4,010 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Bankware Global Co., Ltd (199480)?
Balance-sheet figures for Bankware Global Co., Ltd (as of Sep 24, 2026): return on equity −7.9%, debt of 0.11 per unit of equity. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is 199480 from its 52-week high?
Bankware Global Co., Ltd trades at 4,010 KRW, about 46% below its 52-week high of 7,480 KRW and 82% above the low of 2,200 KRW (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of 701.86 KRW is for.
Which stocks are comparable to Bankware Global Co., Ltd?
From the same area (Technology) we also value SAP SE, Salesforce, Inc, Shopify 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 Bankware Global Co., Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price 4,010 KRW, calculated fair value 701.86 KRW (−83%), Quality Score 62/100, from 1 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 199480 calculated?
We run Bankware Global Co., Ltd through 1 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 701.86 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 14.5 % above its aggregate fair value. Bankware Global Co., Ltd 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 Bankware Global Co., Ltd (199480)?
The closing price on Oct 2, 2026 was 4,010 KRW. Our model-based fair value is 701.86 KRW, about −83% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bankware Global Co., Ltd right now?
The price sits above even our optimistic bull case (877.33 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 (62/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (463.23 KRW to 877.33 KRW) leaves room in how you read the outcome.

Key figures of Bankware Global Co., Ltd

How large is the market capitalisation of Bankware Global Co., Ltd (199480)?
The market capitalisation of Bankware Global Co., Ltd is 40.5B KRW (≈ $30.2M). 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 Bankware Global Co., Ltd (199480)?
The price-to-sales ratio of Bankware Global Co., Ltd is 0.40 (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 Bankware Global Co., Ltd (199480)?
The net margin of Bankware Global Co., Ltd is −4.4% (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 Bankware Global Co., Ltd (199480)?
The return on equity (ROE) of Bankware Global Co., Ltd 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 Bankware Global Co., Ltd (199480)?
On an EBIT basis the return on assets of Bankware Global Co., Ltd is −11.1% (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 Bankware Global Co., Ltd (199480)?
The operating margin of Bankware Global Co., Ltd is −6.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bankware Global Co., Ltd (199480)?
Revenue at Bankware Global Co., Ltd is growing +35.9% versus a year earlier (3y avg −4.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Bankware Global Co., Ltd (199480) generate?
The free cash flow of Bankware Global Co., Ltd is −7.0B KRW (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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