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MAYO Human Capital Inc. (6738) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of MAYO Human Capital Inc. stock TWD 106, price TWD 74.20, upside +43.4%, quality 37 out of 100. Rating: undervalued. Calculated from audited financials with one of our 26 valuation models and 37 quality factors, updated daily.

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Technology TW · ISIN TW0006738008

MH MAYO Human Capital Inc. logo Thin data Nov 9, 2026

MAYO Human Capital Inc.

6738 · TWO
Speculative

The stock costs 30% less than our calculation considers fair.

Fair value 106.39 TWD · Undervalued
Low debt
Quality 37/100
Weak Growth (revenue 3y −5.8 %/yr in TWD)
Loss-making · -23.1% net margin (TTM)
Negative free cash flow
Trails peers (3/10)
Narrow moat 8/100 · thin data
Thin data
⚠ Dilution
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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

80.30 TWD 64.00 TWD Fair Value 106.39 TWD Dec 2025 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.

How to read this chart

11‑month range 64.00 TWD – 80.30 TWD · fair‑value band 70.18 TWD – 132.85 TWD · the 74.20 TWD price screens below the 106.39 TWD fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.

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Company profile

MAYO Human Capital Inc. provides cloud-based human resources solutions services, cloud-based employee welfare integration services, electronic information supply services, and data processing primarily in Taiwan and Vietnam.

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The company offers apollo human resources management system, payroll outsourcing services, group-style operation solutions, high-tech manufacturing solutions, food and beverage/retail/service solutions, software/project/remote solutions, Taiwanese business multinational management solutions, foreign investor local management solutions, growth-oriented startup solutions, professional services solutions, and cloud-based paperless solutions.

It also provides STAYFUN, an employee benefits integration platform that offers a variety of options for gifts and employee benefits. In addition, the company offers Cornerstone, an integrated cloud platform. MAYO Human Capital Inc. was founded in 2013 and is headquartered in Taipei, Taiwan.

Stock analysis

MAYO Human Capital Inc. (6738) currently trades at 74.20 TWD, while our model-based Fair Value estimate is 106.39 TWD, implying the stock looks roughly 30% undervalued 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 data coverage at low.

Scenario range: 70.18 TWD (bear) to 132.85 TWD (bull), the price of 74.20 TWD 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 37/100 (below-average 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.

MAYO Human Capital Inc. reported revenue of 170M TWD in FY2025 versus 160M TWD in FY2021, a compound +1.5%/yr. Reported net income was −64.9M TWD in FY2025.

Key figures

Market cap 2.7B TWD (≈ $83.0M) Micro · P/S ratio 15.9 · EPS (TTM) −1.15 TWD · Net margin −23.1% · Return on equity −34.4% · Return on assets (EBIT) −51.5% (5-year average) · Operating margin −19.4% · Revenue (TTM) 178M TWD.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 8 out of 100 (low confidence).

What moves the price

The share trades about 8% below its 52-week high and 16% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Technology peers we cover trades at 10% fair-value upside, at 43%, 6738 screens cheaper than that median.

Fair Value models

Bear 70.18 TWD Fair Value 106.39 TWD Bull 132.85 TWD
Price 74.20 TWD · Upside +43.4%
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. 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.
Best data coverage
NCAV (Graham) 2.52 TWD 3.82 TWD 4.77 TWD 55
All 1 models by family
Asset-Based
NCAV (Graham) 2.52 TWD 3.82 TWD 4.77 TWD 55

The fair value above starts from this blend and is adjusted for dilution from new shares.

Open the full fair value analysis →

Quality Score breakdown

Overall quality 37/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 14
How much profit the company makes from its sales and capital
Quality Growth 60
Are margins and returns getting better?
Cashflow 9
Do the profits arrive as real cash?
Financial strength 93
Debt, balance sheet and risk of trouble
Investment 44
Does it invest with discipline instead of growing at any price?
Low Volatility 97
How calm the share price moves, does not count
Price momentum 47
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 46
Distance to the 52-week high, does not count
New shares 0
Buys back shares or issues new ones?

Open the full quality analysis →

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. 16/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−23.5%
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.
−5.8%
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.
+4.6%
Start year 2020 (pandemic)
Revenue growth 6 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.
+14.0%
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.
−99.2% (2020) → −38.6% (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

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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 · 629 stocks

Beats the industry median on 2/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 37 · Bottom 25%
Fair Value upside +43.4% · Top 25%
Profitability
Return on assets −15.0% · Bottom 25%
Net margin (12 months) −23.1% · Bottom 25%
Operating margin (12 months) −19.4% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 11.1% · Above median

Valuation Multiplesvs Software - Application median · lower = cheaper

P/B 12.72× · Priciest 25%
P/S (12 months) 15.27× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)91 · sector 29
FUTURE (revenue growth)56 · sector 40
PAST (return on equity)0 · sector 20
HEALTH (low debt)100 · sector 98
DIVIDEND (yield)0 · sector 29

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 Compare
Adobe Inc ADBE $239.30 $463.72 +94% vs 6738
Salesforce, Inc CRM $213.65 $342.73 +60% vs 6738
Uber Technologies, Inc UBER $68.59 $101.28 +48% vs 6738
Intuit Inc INTU $341.50 $459.14 +34% vs 6738
ServiceNow, Inc NOW $101.97 $112.60 +10% vs 6738
SAP SE SAP €210.75 €173.59 −18% vs 6738
Cadence Design Systems, Inc CDNS $319.92 $225.48 −30% vs 6738
Automatic Data Processing, Inc ADP $303.35 $150.40 −50% vs 6738
Shopify Inc SHOP $148.91 $64.96 −56% vs 6738
Snowflake Inc SNOW $275.88 $73.81 −73% vs 6738

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MAYO Human Capital Inc.: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "MAYO Human Capital Inc. Fair Value". https://www.fairvalue-calculator.com/stock/6738

Frequently asked questions

Is MAYO Human Capital Inc. (6738) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of 106.39 TWD versus a price of 74.20 TWD, about +43% upside (undervalued).
What is the fair value of 6738?
Our model-based fair value for MAYO Human Capital Inc. is 106.39 TWD (as of Nov 9, 2026), built from audited fundamentals. The current price: 74.20 TWD.
What is the quality score of 6738?
MAYO Human Capital Inc. has a Quality Score of 37/100. 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 MAYO Human Capital Inc. (6738)?
Our model-based price target is the fair value of 106.39 TWD (as of Nov 9, 2026) from 1 valuation models. Cautious scenario 70.18 TWD, optimistic scenario 132.85 TWD. It is a calculation from audited fundamentals, not an analyst target.
What is the MAYO Human Capital Inc. stock forecast for 2026?
Our models put fair value at 106.39 TWD, about +43% upside versus a price of 74.20 TWD (undervalued). Cautious scenario 70.18 TWD, optimistic scenario 132.85 TWD. The calculation is refreshed regularly with new filings.
What is the revenue of MAYO Human Capital Inc. (6738)?
MAYO Human Capital Inc. reported trailing-twelve-month revenue of about 178M TWD (latest available figure, as of Nov 9, 2026).
What is the intrinsic value of MAYO Human Capital Inc. (6738)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For MAYO Human Capital Inc. it is 106.39 TWD per share (as of Nov 9, 2026), against a price of 74.20 TWD. It is the blended result of 1 valuation models in 1 family (Asset-Based).
Is MAYO Human Capital Inc. stock overvalued or undervalued in 2026?
As of Nov 9, 2026, 6738 trades below its calculated fair value: price 74.20 TWD, fair value 106.39 TWD, a gap of about +43% (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 6738?
No. The price is what the market pays today (74.20 TWD); the fair value is what the company's own numbers justify (106.39 TWD). For MAYO Human Capital Inc. the two are 32.19 TWD per share apart. That gap is exactly why we show both numbers side by side.
How much is MAYO Human Capital Inc. worth?
The market values MAYO Human Capital Inc. at about 2.7B TWD (market capitalisation, as of Nov 9, 2026). Per share that is 74.20 TWD; our models calculate a fair value of 106.39 TWD per share.
What do the bullish and bearish scenarios say about 6738?
Our models span a range for MAYO Human Capital Inc.: cautious scenario 70.18 TWD, base 106.39 TWD, optimistic 132.85 TWD per share (as of Nov 9, 2026, price 74.20 TWD). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of MAYO Human Capital Inc. (6738)?
Balance-sheet figures for MAYO Human Capital Inc. (as of Nov 9, 2026): return on equity −34.4%. They feed the Quality Score of 37/100, which measures business quality independently of the share price.
How far is 6738 from its 52-week high?
MAYO Human Capital Inc. trades at 74.20 TWD, about 8% below its 52-week high of 80.30 TWD and 16% above the low of 64.00 TWD (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 106.39 TWD is for.
Which stocks are comparable to MAYO Human Capital Inc.?
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 MAYO Human Capital Inc. stock attractive at the current price?
The data as of Nov 9, 2026: price 74.20 TWD, calculated fair value 106.39 TWD (+43%), Quality Score 37/100, 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 6738 calculated?
We run MAYO Human Capital Inc. through 1 models from 1 family: Asset-Based. Every model gets the same audited fundamentals; the fair value of 106.39 TWD builds on their evidence-weighted average, 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 13.3% above its aggregate fair value. MAYO Human Capital Inc. currently trades 30% 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 MAYO Human Capital Inc. (6738)?
The closing price on Nov 6, 2026 was 74.20 TWD. Our model-based fair value is 106.39 TWD, about +43% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with MAYO Human Capital Inc. right now?
The large discount to fair value meets weak quality (37/100). That raises the risk this is a value trap rather than a bargain. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range (70.18 TWD to 132.85 TWD) leaves room in how you read the outcome.

Key figures of MAYO Human Capital Inc.

How large is the market capitalisation of MAYO Human Capital Inc. (6738)?
The market capitalisation of MAYO Human Capital Inc. is 2.7B TWD (≈ $83.0M). 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 MAYO Human Capital Inc. (6738)?
The price-to-sales ratio of MAYO Human Capital Inc. is 15.9 (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 MAYO Human Capital Inc. (6738)?
Earnings per share at MAYO Human Capital Inc. are −1.15 TWD. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of MAYO Human Capital Inc. (6738)?
The net margin of MAYO Human Capital Inc. is −23.1% (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 MAYO Human Capital Inc. (6738)?
The return on equity (ROE) of MAYO Human Capital Inc. is −34.4% (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 MAYO Human Capital Inc. (6738)?
On an EBIT basis the return on assets of MAYO Human Capital Inc. is −51.5% (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 MAYO Human Capital Inc. (6738)?
The operating margin of MAYO Human Capital Inc. is −19.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at MAYO Human Capital Inc. (6738)?
Revenue at MAYO Human Capital Inc. is growing +11.1% versus a year earlier (3y avg −5.8%). 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 MAYO Human Capital Inc. (6738) generate?
The free cash flow of MAYO Human Capital Inc. is −59.9M TWD (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does MAYO Human Capital Inc. (6738) hold?
MAYO Human Capital Inc. holds more cash than debt, 159M TWD net (fiscal year 2024). The company holds more cash than debt, a safety cushion.
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