BGF Retail Co Ltd (282330) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of BGF Retail Co Ltd KRW 237,367, price KRW 132,900, upside +78.6%, quality 60 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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BGF Retail Co., Ltd., together with its subsidiaries, operates convenience stores under the CU brand in South Korea.
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BGF Retail Co., Ltd., together with its subsidiaries, operates convenience stores under the CU brand in South Korea. The company's stores retail various products, such as quick meals, instant cooking, processed meals, food ingredients, beverages, dairy products, alcohol, confectionery, ice cream, breads, desserts, snacks, tobacco, household and personal goods, hobbies and leisure products, securities and service products, and other products. It is also involved in the sale of products to franchisees through the convenience store chain business; logistics services; advertising, E-commerce, and convenience store delivery; food manufacturing; and oil business. BGF Retail Co., Ltd. was founded in 1990 and is headquartered in Seoul, South Korea.
Stock analysis
BGF Retail Co Ltd (282330) currently trades at 132,900 KRW, while our model-based Fair Value estimate is 237,367 KRW, implying the stock looks roughly 44.0% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 423,768 KRW per share, and 21 of the 24 models we run sit above the 132,900 KRW price.
Bear case: the Asset-Based group reads lowest at 50,926 KRW, and 3 of the 24 models stay below the price. Evidence for this calculation is medium.
Scenario range: 178,026 KRW (bear) to 296,709 KRW (bull), the price of 132,900 KRW sits below 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 60/100 (solid quality), in the Consumer Defensive sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
BGF Retail Co Ltd reported revenue of 9.1T KRW in FY2025 versus 6.8T KRW in FY2021, a compound +7.5%/yr. Reported net income was 195B KRW in FY2025, compounding +7.2%/yr from FY2021.
Key figures
Market cap 2.3T KRW (≈ $1.6B) · P/S ratio 0.23 · Dividend yield 3.1% · Net margin 2.2% · Return on equity 17.6% · Return on assets (EBIT) 7.7% · Operating margin 1.8% · Revenue (TTM) 9.2T KRW.
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 13% below its 52-week high and 34% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Consumer Defensive peers we cover trades at 6% fair-value upside, at 79%, 282330 screens cheaper than that median.
Fair Value models
Bear 178,026 KRWFair Value 237,367 KRWBull 296,709 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.76/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+4.2%
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.
+6.0%
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.
+7.9%
Start year 2020 (pandemic)
Revenue growth 8 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.
+32.8%
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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.
+8.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+5.8%
Dividend (yield on the price)3.1%
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.3% → 3%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
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).
−17.7%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+3.9%
Yearly sales growth analysts expect, extended to five years.
After inflation (South Korea: IMF forecast 2.1% a year to 2030, 2.1% from 2016 to 2025) that is about −19.4% a year for the price and +1.8% for the forecasts.
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.Grocery Stores · 79 stocks
Beats the industry median on 8/11 measures
Overall it ranks above its industry peers.
Valuation
Quality Score60 · Above median
Fair Value upside+79% · Top 25%
Profitability
Return on equity (TTM)18% · Above median
Return on assets5% · Above median
Net margin (TTM)2% · Below median
Operating margin (TTM)2% · Bottom 25%
Growth and dividend
Revenue growth5% · Above median
Dividend yield (TTM)3.1% · Above median
Balance sheet
Debt / equity0.00× · Lowest 25%
Valuation Multiplesvs Grocery Stores median · lower = cheaper
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Cite: Fair Value Calculator (2026). "BGF Retail Co Ltd Fair Value". https://www.fairvalue-calculator.com/stock/282330
Frequently asked questions
Is BGF Retail Co Ltd (282330) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 237,367 KRW versus a price of 132,900 KRW, about +79% upside (undervalued).
What is the fair value of 282330?
Our model-based fair value for BGF Retail Co Ltd is 237,367 KRW (as of Sep 24, 2026), built from audited fundamentals. The current price: 132,900 KRW.
What is the quality score of 282330?
BGF Retail Co Ltd has a Quality Score of 60/100. 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 BGF Retail Co Ltd (282330)?
Our model-based price target is the fair value of 237,367 KRW (as of Sep 24, 2026) from 24 valuation models. Cautious scenario 178,026 KRW, optimistic scenario 296,709 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the BGF Retail Co Ltd stock forecast for 2026?
Our models put fair value at 237,367 KRW, about +79% upside versus a price of 132,900 KRW (undervalued). Cautious scenario 178,026 KRW, optimistic scenario 296,709 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of BGF Retail Co Ltd (282330)?
BGF Retail Co Ltd reported trailing-twelve-month revenue of about 9.2T KRW (latest available figure, as of Sep 24, 2026).
Does BGF Retail Co Ltd pay a dividend?
BGF Retail Co Ltd currently shows a dividend yield of about 3.09% relative to its recent price (as of Sep 24, 2026).
What growth is priced into BGF Retail Co Ltd (282330)?
For today's price to be fair in a discounted-cash-flow model, BGF Retail Co Ltd would have to grow free cash flow by -17.7 % 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 +8.0 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 282330 use?
Our models discount BGF Retail Co Ltd at 11.6 %: a base by market capitalisation (small), 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 BGF Retail Co Ltd that is -17.7 % 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 BGF Retail Co Ltd (282330) delivered so far?
Over the past 5 years revenue at BGF Retail Co Ltd grew +8.0 % a year. The price currently implies -17.7 % 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 BGF Retail Co Ltd (282330) growing?
The median revenue growth in the sector is +2.8 % a year. That is the yardstick for the growth priced into BGF Retail Co Ltd (-17.7 % 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 BGF Retail Co Ltd (282330)?
The free-cash-flow yield on the price is 21.72 %: that much free cash flow BGF Retail Co Ltd 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 BGF Retail Co Ltd (282330)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For BGF Retail Co Ltd it is 237,367 KRW per share (as of Sep 24, 2026), against a price of 132,900 KRW. It is the blended result of 24 valuation models (cash flow, earnings, asset, dividend).
Is BGF Retail Co Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 282330 trades below its calculated fair value: price 132,900 KRW, fair value 237,367 KRW, a gap of about +79% (undervalued). 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 282330?
No. The price is what the market pays today (132,900 KRW); the fair value is what the company's own numbers justify (237,367 KRW). For BGF Retail Co Ltd the two are 104,467 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is BGF Retail Co Ltd worth?
The market values BGF Retail Co Ltd at about 2.3T KRW (market capitalisation, as of Sep 24, 2026). Per share that is 132,900 KRW; our models calculate a fair value of 237,367 KRW per share.
What do the bullish and bearish scenarios say about 282330?
Our models span a range for BGF Retail Co Ltd: cautious scenario 178,026 KRW, base 237,367 KRW, optimistic 296,709 KRW per share (as of Sep 24, 2026, price 132,900 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of 282330?
The PEG ratio of BGF Retail Co Ltd is 2.18 (P/E divided by earnings growth, as of Sep 24, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of BGF Retail Co Ltd (282330)?
Balance-sheet figures for BGF Retail Co Ltd (as of Sep 24, 2026): return on equity 17.6%, debt of 0.00 per unit of equity. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is 282330 from its 52-week high?
BGF Retail Co Ltd trades at 132,900 KRW, about 13% below its 52-week high of 153,100 KRW and 34% above the low of 98,945 KRW (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 237,367 KRW is for.
Which stocks are comparable to BGF Retail Co Ltd?
From the same area (Consumer Defensive) we also value Loblaw Companies Limited, Koninklijke Ahold Delhaize N.V, The Kroger Co, Woolworths Group, 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 BGF Retail Co Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price 132,900 KRW, calculated fair value 237,367 KRW (+79%), Quality Score 60/100, from 24 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 282330 calculated?
We run BGF Retail Co Ltd through 24 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 237,367 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 14.1 % above its aggregate fair value. BGF Retail Co Ltd currently trades 79 % below its own fair value, and the market average says nothing about that. 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 BGF Retail Co Ltd (282330)?
The closing price on Sep 23, 2026 was 132,900 KRW. Our model-based fair value is 237,367 KRW, about +79% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with BGF Retail Co Ltd right now?
The price is below even our cautious bear case (178,026 KRW). The market is more pessimistic than our downside scenario. Solid quality (60/100) at a price below fair value, the discount is the argument here, not the business quality.
Key figures of BGF Retail Co Ltd
How large is the market capitalisation of BGF Retail Co Ltd (282330)?
The market capitalisation of BGF Retail Co Ltd is 2.3T KRW (≈ $1.6B). 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 BGF Retail Co Ltd (282330)?
The price-to-sales ratio of BGF Retail Co Ltd is 0.23 (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 BGF Retail Co Ltd (282330)?
The dividend yield of BGF Retail Co Ltd is 3.1%. 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 BGF Retail Co Ltd (282330)?
The net margin of BGF Retail Co Ltd is 2.2% (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 BGF Retail Co Ltd (282330)?
The return on equity (ROE) of BGF Retail Co Ltd is 17.6% (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 BGF Retail Co Ltd (282330)?
On an EBIT basis the return on assets of BGF Retail Co Ltd is 7.7% (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 BGF Retail Co Ltd (282330)?
The operating margin of BGF Retail Co Ltd is 1.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at BGF Retail Co Ltd (282330)?
Revenue at BGF Retail Co Ltd is growing +5.2% versus a year earlier (3y avg +6.0%). 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 BGF Retail Co Ltd (282330)?
Earnings per share at BGF Retail Co Ltd are growing +119% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does BGF Retail Co Ltd (282330) carry?
The net debt of BGF Retail Co Ltd is 154M KRW (fiscal year 2020, ≈ 0.0 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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