A Plus Asset Advisor Co Ltd (244920) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of A Plus Asset Advisor Co Ltd KRW 7,421, price KRW 12,600, upside -41.1%, quality 66 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Aplus Asset Advisor Co. Ltd provides life and non-life insurance products. It also offers coverage analysis services; and comparative sales services of good insurance.
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Aplus Asset Advisor Co. Ltd provides life and non-life insurance products. It also offers coverage analysis services; and comparative sales services of good insurance. In addition, the company provides health care services, such as health consultations with medical and nursing professionals, overseas medical emergency assistance services, dementia prevention solutions, and psychological counseling care services. Further, it offers funeral-related products and services. Additionally, the company provides financial planning and asset consulting services. Aplus Asset Advisor Co. Ltd was founded in 2007 and is headquartered in Seoul, South Korea.
Stock analysis
A Plus Asset Advisor Co Ltd (244920) currently trades at 12,600 KRW, while our model-based Fair Value estimate is 7,421 KRW, implying the stock looks roughly 69.8% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 10,508 KRW per share, and 1 of the 6 models we run sit above the 12,600 KRW price.
Bear case: the Asset-Based group reads lowest at 5,029 KRW, and 5 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: 6,509 KRW (bear) to 13,692 KRW (bull), the price of 12,600 KRW sits inside 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 66/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
A Plus Asset Advisor Co Ltd reported revenue of 682B KRW in FY2025 versus 258B KRW in FY2021, a compound +27.5%/yr. Reported net income was 22.1B KRW in FY2025, compounding +16.3%/yr from FY2021.
Key figures
Market cap 285B KRW (≈ $209M) · P/S ratio 0.38 · Dividend yield 2.4% · Net margin 3.2% · Return on equity 12.2% · Return on assets (EBIT) 3.7% · Operating margin 8.5% · Revenue (TTM) 711B KRW.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 15% below its 52-week high and 123% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −24% fair-value upside, at −41%, 244920 screens richer than that median.
Fair Value models
Bear 6,509 KRWFair Value 7,421 KRWBull 13,692 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.90/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+32.3%
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.
+36.1%
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.
+19.1%
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.
+16.6%
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What shareholders gained per year (last 5 years), in KRW (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. 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.
−19.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year−22.2%
Dividend (yield on the price)2.4%
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.8% → 4%
2025 sits 117% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
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).
+7.6%
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 +5.4% a year for the price.
Compare A Plus Asset Advisor Co Ltd with another stock
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.Insurance - Diversified · 83 stocks
Beats the industry median on 6/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score64 · Above median
Fair Value upside−41% · Below median
Profitability
Return on equity (TTM)12% · Above median
Return on assets5% · Top 25%
Net margin (TTM)4% · Below median
Operating margin (TTM)9% · Below median
Growth and dividend
Revenue growth18% · Top 25%
Dividend yield (TTM)2.4% · Below median
Balance sheet
Debt / equity0.01× · Lowest 25%
Valuation Multiplesvs Insurance - Diversified median · lower = cheaper
P/FCF0.0× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 6
FUTURE (revenue growth)90· sector 31
PAST (return on equity)49· sector 49
HEALTH (low debt)100· sector 89
DIVIDEND (yield)48· sector 73
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). "A Plus Asset Advisor Co Ltd Fair Value". https://www.fairvalue-calculator.com/stock/244920
Frequently asked questions
Is A Plus Asset Advisor Co Ltd (244920) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 7,421 KRW versus a price of 12,600 KRW, about −41% upside (overvalued).
What is the fair value of 244920?
Our model-based fair value for A Plus Asset Advisor Co Ltd is 7,421 KRW (as of Sep 24, 2026), built from audited fundamentals. The current price: 12,600 KRW.
What is the quality score of 244920?
A Plus Asset Advisor Co Ltd has a Quality Score of 66/100. 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 A Plus Asset Advisor Co Ltd (244920)?
Our model-based price target is the fair value of 7,421 KRW (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 6,509 KRW, optimistic scenario 13,692 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the A Plus Asset Advisor Co Ltd stock forecast for 2026?
Our models put fair value at 7,421 KRW, about −41% upside versus a price of 12,600 KRW (overvalued). Cautious scenario 6,509 KRW, optimistic scenario 13,692 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of A Plus Asset Advisor Co Ltd (244920)?
A Plus Asset Advisor Co Ltd reported trailing-twelve-month revenue of about 711B KRW (latest available figure, as of Sep 24, 2026).
Does A Plus Asset Advisor Co Ltd pay a dividend?
A Plus Asset Advisor Co Ltd currently shows a dividend yield of about 2.38% relative to its recent price (as of Sep 24, 2026).
What growth is priced into A Plus Asset Advisor Co Ltd (244920)?
For today's price to be fair in a discounted-cash-flow model, A Plus Asset Advisor Co Ltd would have to grow free cash flow by +7.6 % per year for five years (discount rate 11.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +19.1 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 244920 use?
Our models discount A Plus Asset Advisor Co Ltd at 11.8 %: a base by market capitalisation (micro), damped by beta 0.59, 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 A Plus Asset Advisor Co Ltd that is +7.6 % per year a year over ten years, using the same discount rate (11.8 %) and the same formula as our fair value.
How much growth has A Plus Asset Advisor Co Ltd (244920) delivered so far?
Over the past 5 years revenue at A Plus Asset Advisor Co Ltd grew +19.1 % a year. The price currently implies +7.6 % 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 A Plus Asset Advisor Co Ltd (244920) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into A Plus Asset Advisor Co Ltd (+7.6 % 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 A Plus Asset Advisor Co Ltd (244920)?
The free-cash-flow yield on the price is 7.40 %: that much free cash flow A Plus Asset Advisor Co Ltd produces per unit of market value. When it exceeds the discount rate of our models (11.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of A Plus Asset Advisor Co Ltd (244920)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For A Plus Asset Advisor Co Ltd it is 7,421 KRW per share (as of Sep 24, 2026), against a price of 12,600 KRW. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is A Plus Asset Advisor Co Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 244920 trades above its calculated fair value: price 12,600 KRW, fair value 7,421 KRW, a gap of about −41% (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 244920?
No. The price is what the market pays today (12,600 KRW); the fair value is what the company's own numbers justify (7,421 KRW). For A Plus Asset Advisor Co Ltd the two are 5,179 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is A Plus Asset Advisor Co Ltd worth?
The market values A Plus Asset Advisor Co Ltd at about 285B KRW (market capitalisation, as of Sep 24, 2026). Per share that is 12,600 KRW; our models calculate a fair value of 7,421 KRW per share.
What do the bullish and bearish scenarios say about 244920?
Our models span a range for A Plus Asset Advisor Co Ltd: cautious scenario 6,509 KRW, base 7,421 KRW, optimistic 13,692 KRW per share (as of Sep 24, 2026, price 12,600 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of A Plus Asset Advisor Co Ltd (244920)?
Balance-sheet figures for A Plus Asset Advisor Co Ltd (as of Sep 24, 2026): return on equity 12.2%, debt of 0.01 per unit of equity. They feed the Quality Score of 66/100, which measures business quality independently of the share price.
How far is 244920 from its 52-week high?
A Plus Asset Advisor Co Ltd trades at 12,600 KRW, about 15% below its 52-week high of 14,780 KRW and 123% above the low of 5,656 KRW (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 7,421 KRW is for.
Which stocks are comparable to A Plus Asset Advisor Co Ltd?
From the same area (Financial Services) we also value Allianz SE, Zurich Insurance Group, AXA SA, Assicurazioni Generali S.p.A, 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 A Plus Asset Advisor Co Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price 12,600 KRW, calculated fair value 7,421 KRW (−41%), Quality Score 66/100, from 6 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 244920 calculated?
We run A Plus Asset Advisor Co Ltd through 6 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 7,421 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. A Plus Asset Advisor 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 A Plus Asset Advisor Co Ltd (244920)?
The closing price on Sep 23, 2026 was 12,600 KRW. Our model-based fair value is 7,421 KRW, about −41% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with A Plus Asset Advisor Co Ltd right now?
Solid but not exceptional quality (66/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (6,509 KRW to 13,692 KRW) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of A Plus Asset Advisor Co Ltd
How large is the market capitalisation of A Plus Asset Advisor Co Ltd (244920)?
The market capitalisation of A Plus Asset Advisor Co Ltd is 285B KRW (≈ $209M). 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 A Plus Asset Advisor Co Ltd (244920)?
The price-to-sales ratio of A Plus Asset Advisor Co Ltd is 0.38 (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 A Plus Asset Advisor Co Ltd (244920)?
The dividend yield of A Plus Asset Advisor Co Ltd is 2.4%. 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 A Plus Asset Advisor Co Ltd (244920)?
The net margin of A Plus Asset Advisor Co Ltd is 3.2% (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 A Plus Asset Advisor Co Ltd (244920)?
The return on equity (ROE) of A Plus Asset Advisor Co Ltd is 12.2% (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 A Plus Asset Advisor Co Ltd (244920)?
On an EBIT basis the return on assets of A Plus Asset Advisor Co Ltd is 3.7% (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 A Plus Asset Advisor Co Ltd (244920)?
The operating margin of A Plus Asset Advisor Co Ltd is 8.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at A Plus Asset Advisor Co Ltd (244920)?
Revenue at A Plus Asset Advisor Co Ltd is growing +17.9% versus a year earlier (3y avg +36.1%). 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 A Plus Asset Advisor Co Ltd (244920)?
Earnings per share at A Plus Asset Advisor Co Ltd are growing +115% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does A Plus Asset Advisor Co Ltd (244920) carry?
The net debt of A Plus Asset Advisor Co Ltd is 10.2B KRW (fiscal year 2025, ≈ 0.5 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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