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O'Pay Electronic Payment Co., Ltd. (6878) fair value: what the stock is really worth

As of Oct 8, 2026: fair value of O'Pay Electronic Payment Co., Ltd. TWD 4.73, price TWD 19.75, upside -76.1%, quality 39 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

Fair value above price? No
Good quality? No
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Technology · TW · ISIN TW0006878002

OP Thin data Oct 2, 2026

O'Pay Electronic Payment Co., Ltd.

6878 · TWO

Weakest SetupStrongly overvalued and low quality.

Fair value 4.73 TWD · Strongly overvalued (−76.1%)

Quality 39/100

Weak Growth (revenue 5y −39.7 %/yr in TWD)

Negative free cash flow

Trails peers (2/7)

Narrow moat 8/100

Thin data

26 models, one by oneBear 3.12 TWD to bull 5.91 TWD Growth analysisrevenue history, year by year Quality 39/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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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

White line = price, green steps = our fair value per fiscal year. As of Oct 2, 2026.

How to read this chart

10‑month range 9.03 TWD – 29.05 TWD · fair‑value band 3.12 TWD – 5.91 TWD · the 19.75 TWD price screens above the 4.73 TWD fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 2, 2026.

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Company profile

O'Pay Electronic Payment Co., Ltd. operates an electronic payment platform in Taiwan. The company engages in the provision of agency services for receiving and paying actual transaction funds; accepting stored value payments; foreign exchange settlement and remittance services; and agency payment and collection services. It also provides e-invoice issuance, credit card payment, third-party application, convenience store payment collection, ATM/Internet ATM, streamer receiving payment, and action receipt services. O'Pay Electronic Payment Co., Ltd. was founded in 2011 and is based in Taipei City, Taiwan.

Stock analysis

O'Pay Electronic Payment Co., Ltd. (6878) currently trades at 19.75 TWD, while our model-based Fair Value estimate is 4.73 TWD, 76.1% below the price, so the stock looks overvalued today.

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: 3.12 TWD (bear) to 5.91 TWD (bull), the price of 19.75 TWD 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 39/100 (below-average quality), in the Technology sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

O'Pay Electronic Payment Co., Ltd. reported revenue of 7.9M TWD in FY2025 versus 108M TWD in FY2021, a compound −48.0%/yr. Reported net income was −78.2M TWD in FY2025.

Key figures

Market cap 1.4B TWD (≈ $45.0M) · EPS (TTM) −1.14 TWD · Return on equity −16.1% · Return on assets (EBIT) −7.5% · Operating margin −906% · Revenue (TTM) 8.9M TWD · Revenue growth (YoY) +25.7% · Free cash flow −72.0M TWD.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).

What moves the price

For context, the median of 10 Technology peers we cover trades at −23% fair-value upside, at −76%, 6878 screens richer than that median.

Fair Value models

Bear 3.12 TWD Fair Value 4.73 TWD Bull 5.91 TWD

Price 19.75 TWD · Upside -76.1%

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) 3.54 TWD 4.74 TWD 7.07 TWD 51

All 1 models by family

Asset-Based

NCAV (Graham) 3.54 TWD 4.74 TWD 7.07 TWD 51

Open the full fair value analysis →

Quality Score breakdown

Overall quality 39/100

Of which business quality 39 · Market factors (momentum, volatility) 74

Profitability 0

Margins and returns on capital today

Quality Growth 34

Are margins and returns improving?

Cashflow 8

Earnings quality: real cash, not paper profit

Fin. Strength 68

Balance sheet, leverage, solvency risk

Investment 67

Disciplined investing over empire-building

Low Volatility 46

Calm price path (market factor)

Momentum 100

Price trend over the last 3–12 months (market factor)

52W Momentum 63

Distance to the 52-week high (market factor)

Net Issuance 82

Share count: buybacks or dilution?

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. 0/100

Revenue is shrinking: the last year, the last three and the last five years are all negative.

Revenue growth 1 year

−5.5%

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.

−51.8%

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.

−39.7%

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.

−29.1%

’19

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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.

−26.8% (2020) → −1,116.8% (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

6878 screens overvalued: fair value 76% below the price. Compare with Microsoft Corporation →

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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 - Infrastructure · 343 stocks

Beats the industry median on 2/6 measures

Overall it trails its industry peers.

Valuation

Quality Score 39 · Bottom 25%

Fair Value upside −76.1% · Bottom 25%

Profitability

Return on assets −7.4% · Bottom 25%

Growth and dividend

Revenue growth 25.7% · Above median

Valuation Multiplesvs Software - Infrastructure median · lower = cheaper

P/B 0.09× · Cheapest 25%

P/S (TTM) 5.03× · Pricier than median

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)0 · sector 24

FUTURE (revenue growth)100 · sector 55

PAST (return on equity)0 · sector 23

HEALTH (low debt)0 · sector 98

DIVIDEND (yield)0 · sector 29

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

Stock	Price	Fair Value	vs Fair Value	Compare
Microsoft Corporation MSFT	$525.18	$577.70	+10%	vs 6878
Block, Inc XYZ	$76.07	$76.95	+1%	vs 6878
Fortinet, Inc FTNT	$180.95	$164.68	−9%	vs 6878
Oracle Corporation ORCL	$142.48	$112.26	−21%	vs 6878
NetApp, Inc NTAP	$204.41	$157.26	−23%	vs 6878
Okta, Inc OKTA	$211.49	$142.12	−33%	vs 6878
CoreWeave, Inc CRWV	$87.39	$58.32	−33%	vs 6878
Synopsys, Inc SNPS	$505.17	$249.20	−51%	vs 6878
Palantir Technologies Inc PLTR	$189.40	$42.16	−78%	vs 6878
CrowdStrike Holdings CRWD	$272.67	$37.31	−86%	vs 6878

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O'Pay Electronic Payment Co., Ltd. · Fair Value
4.73 TWD −76%Fair Value
Calculator →

<a href="https://www.fairvalue-calculator.com/stock/6878" target="_blank" rel="nofollow noopener" style="display:inline-flex;align-items:center;gap:12px;box-sizing:border-box;font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;text-decoration:none;background:#0f1814;color:#eaf2ed;border:1px solid #2a3a30;border-radius:12px;padding:12px 16px;max-width:360px"><span style="line-height:1.35"><span style="font-size:12px;color:#9fb0a8">O&#039;Pay Electronic Payment Co., Ltd. · Fair Value</span><br><b style="font-size:20px">4.73 TWD</b> <span style="color:var(--red);font-weight:700;font-size:14px">−76%</span></span><span style="font-size:11px;color:var(--fvc-g-mitte);font-weight:700;margin-left:auto;text-align:right;line-height:1.3">Fair&nbsp;Value<br>Calculator&nbsp;→</span></a>

Cite: Fair Value Calculator (2026). "O'Pay Electronic Payment Co., Ltd. Fair Value". https://www.fairvalue-calculator.com/stock/6878

Frequently asked questions

Is O'Pay Electronic Payment Co., Ltd. (6878) overvalued or undervalued?

As of Oct 2, 2026, our model estimates a fair value of 4.73 TWD versus a price of 19.75 TWD, about −76% upside (overvalued).

What is the fair value of 6878?

Our model-based fair value for O'Pay Electronic Payment Co., Ltd. is 4.73 TWD (as of Oct 2, 2026), built from audited fundamentals. The current price: 19.75 TWD.

What is the quality score of 6878?

O'Pay Electronic Payment Co., Ltd. has a Quality Score of 39/100. 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 O'Pay Electronic Payment Co., Ltd. (6878)?

Our model-based price target is the fair value of 4.73 TWD (as of Oct 2, 2026) from 1 valuation models. Cautious scenario 3.12 TWD, optimistic scenario 5.91 TWD. It is a calculation from audited fundamentals, not an analyst target.

What is the O'Pay Electronic Payment Co., Ltd. stock forecast for 2026?

Our models put fair value at 4.73 TWD, about −76% upside versus a price of 19.75 TWD (overvalued). Cautious scenario 3.12 TWD, optimistic scenario 5.91 TWD. The calculation is refreshed regularly with new filings.

What is the revenue of O'Pay Electronic Payment Co., Ltd. (6878)?

O'Pay Electronic Payment Co., Ltd. reported trailing-twelve-month revenue of about 8.9M TWD (latest available figure, as of Oct 2, 2026).

What is the intrinsic value of O'Pay Electronic Payment Co., Ltd. (6878)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For O'Pay Electronic Payment Co., Ltd. it is 4.73 TWD per share (as of Oct 2, 2026), against a price of 19.75 TWD. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).

Is O'Pay Electronic Payment Co., Ltd. stock overvalued or undervalued in 2026?

As of Oct 2, 2026, 6878 trades above its calculated fair value: price 19.75 TWD, fair value 4.73 TWD, a gap of about −76% (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 6878?

No. The price is what the market pays today (19.75 TWD); the fair value is what the company's own numbers justify (4.73 TWD). For O'Pay Electronic Payment Co., Ltd. the two are 15.02 TWD per share apart. That gap is exactly why we show both numbers side by side.

How much is O'Pay Electronic Payment Co., Ltd. worth?

The market values O'Pay Electronic Payment Co., Ltd. at about 1.4B TWD (market capitalisation, as of Oct 2, 2026). Per share that is 19.75 TWD; our models calculate a fair value of 4.73 TWD per share.

What do the bullish and bearish scenarios say about 6878?

Our models span a range for O'Pay Electronic Payment Co., Ltd.: cautious scenario 3.12 TWD, base 4.73 TWD, optimistic 5.91 TWD per share (as of Oct 2, 2026, price 19.75 TWD). The range comes from different growth and margin assumptions, not from analyst opinions.

How solid is the balance sheet of O'Pay Electronic Payment Co., Ltd. (6878)?

Balance-sheet figures for O'Pay Electronic Payment Co., Ltd. (as of Oct 2, 2026): return on equity −16.1%. They feed the Quality Score of 39/100, which measures business quality independently of the share price.

Which stocks are comparable to O'Pay Electronic Payment Co., Ltd.?

From the same area (Technology) we also value Microsoft Corporation, Palantir Technologies Inc, Oracle Corporation, CrowdStrike Holdings, 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 O'Pay Electronic Payment Co., Ltd. stock attractive at the current price?

The data as of Oct 2, 2026: price 19.75 TWD, calculated fair value 4.73 TWD (−76%), Quality Score 39/100, 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 6878 calculated?

We run O'Pay Electronic Payment 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 4.73 TWD, 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 14.6 % above its aggregate fair value. O'Pay Electronic Payment 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 O'Pay Electronic Payment Co., Ltd. (6878)?

The closing price on Oct 8, 2026 was 19.75 TWD. Our model-based fair value is 4.73 TWD, about −76% upside (overvalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with O'Pay Electronic Payment Co., Ltd. right now?

The price sits above even our optimistic bull case (5.91 TWD). The favourable scenario is already priced in. Weak quality (39/100) and above fair value at the same time, the margin of safety is missing on both counts. 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 (3.12 TWD to 5.91 TWD) leaves room in how you read the outcome.

Key figures of O'Pay Electronic Payment Co., Ltd.

How large is the market capitalisation of O'Pay Electronic Payment Co., Ltd. (6878)?

The market capitalisation of O'Pay Electronic Payment Co., Ltd. is 1.4B TWD (≈ $45.0M). 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 are the earnings per share of O'Pay Electronic Payment Co., Ltd. (6878)?

Earnings per share at O'Pay Electronic Payment Co., Ltd. are −1.14 TWD. Earnings per share over the last twelve months: total profit spread across every single share.

What is the return on equity of O'Pay Electronic Payment Co., Ltd. (6878)?

The return on equity (ROE) of O'Pay Electronic Payment Co., Ltd. is −16.1% (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 O'Pay Electronic Payment Co., Ltd. (6878)?

On an EBIT basis the return on assets of O'Pay Electronic Payment Co., Ltd. is −7.5% (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 O'Pay Electronic Payment Co., Ltd. (6878)?

The operating margin of O'Pay Electronic Payment Co., Ltd. is −906% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at O'Pay Electronic Payment Co., Ltd. (6878)?

Revenue at O'Pay Electronic Payment Co., Ltd. is growing +25.7% versus a year earlier (3y avg −51.8%). 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 O'Pay Electronic Payment Co., Ltd. (6878) generate?

The free cash flow of O'Pay Electronic Payment Co., Ltd. is −72.0M 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 O'Pay Electronic Payment Co., Ltd. (6878) hold?

O'Pay Electronic Payment Co., Ltd. holds more cash than debt, 25.6M TWD net (fiscal year 2024). The company holds more cash than debt, a safety cushion.

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