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Infinite Finance Co. Ltd. (6958) fair value: what the stock is really worth

As of Sep 24, 2026: fair value of Infinite Finance Co. Ltd. TWD 23.90, price TWD 17.30, upside +38.1%, quality 41 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
  3. Add to watchlist

Financial Services · TW

IF Thin data Sep 24, 2026

Infinite Finance Co. Ltd.

6958 · TW

SpeculativeUpside exists, but weak quality makes the signal speculative.

✓Fair value 23.90 TWD · Undervalued (+38%)
!Quality 41/100
!Expensive Growth (revenue 3y +8.6 %/yr)
!Loss-making · -14.2% net margin (TTM)
✓Moderate debt · generates free cash flow
!Trails peers (4/11)
!Narrow moat 18/100
!Evidence only low, so the estimate is less certain
!Weak on dividend: 18 out of 100
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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

423.18 TWD 14.23 TWD Fair Value 23.90 TWD Jun 2023 Sep 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

39‑month range 14.23 TWD – 423.18 TWD · fair‑value band 17.17 TWD – 31.22 TWD · the 17.30 TWD price screens below the 23.90 TWD fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

Infinite Finance Co., Ltd. provides vehicle-related services for heavy motorcycles, tour buses, vans, and small passenger cars.

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Infinite Finance Co., Ltd. provides vehicle-related services for heavy motorcycles, tour buses, vans, and small passenger cars. It also offers vehicles installments, construction equipment installments, industrial equipment installments, letter of credit for imported machinery, long-term car leasing, real estate lease, installment loans for and rental of large heavy machinery, green energy financing, accounts receivable transfer, and other services. The company was formerly known as Jih Sun Formosa Auto Leasing CO., LTD and changed its name to Infinite Finance Co., Ltd. in 2010. Infinite Finance Co., Ltd. was founded in 1981 and is based in Taipei, Taiwan.

Stock analysis

Infinite Finance Co. Ltd. (6958) currently trades at 17.30 TWD, while our model-based Fair Value estimate is 23.90 TWD, implying the stock looks roughly 27.6% undervalued today.

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Valuation

Bull case: the DCF Models group reads highest at a median of 202.41 TWD per share, and 9 of the 12 models we run sit above the 17.30 TWD price.

Bear case: the Asset-Based group reads lowest at 15.39 TWD, and 3 of the 12 models stay below the price. Evidence for this calculation is low.

Scenario range: 17.17 TWD (bear) to 31.22 TWD (bull), the price of 17.30 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 41/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Infinite Finance Co. Ltd. reported revenue of 8.3B TWD in FY2025 versus 6.5B TWD in FY2022, a compound +8.6%/yr. Reported net income was −960M TWD in FY2025.

Key figures

Market cap 8.1B TWD (≈ $256M) · P/S ratio 1.50 · EPS (TTM) −2.38 TWD · Dividend yield 0.9% · Net margin −11.5% · Return on equity −7.3% · Return on assets (EBIT) 0.9% · Operating margin 6.5%.

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 54% below its 52-week high and 22% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 38%, 6958 screens cheaper than that median.

Fair Value models

Bear 17.17 TWD Fair Value 23.90 TWD Bull 31.22 TWD
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.
Highest evidence
FCF DCF 206.47 TWD 277.07 TWD 360.48 TWD 78
Growth DCF 208.33 TWD 271.15 TWD 341.78 TWD 77
5Y EBITDA Exit 145.75 TWD 202.41 TWD 264.10 TWD 73
All 12 models by family
DCF Models
FCF DCF 206.47 TWD 277.07 TWD 360.48 TWD 78
5Y Revenue Exit 96.66 TWD 114.01 TWD 131.70 TWD 71
5Y EBITDA Exit 145.75 TWD 202.41 TWD 264.10 TWD 73
10Y Revenue Exit 144.58 TWD 169.14 TWD 194.59 TWD 65
10Y EBITDA Exit 171.42 TWD 220.54 TWD 277.94 TWD 67
Dividend Discount
Gordon GGM 1.18 TWD 1.90 TWD 2.56 TWD 65
DDM Multi-Stage 1.18 TWD 1.64 TWD 2.05 TWD 65
Multiples
EV/EBIT 25.53 TWD 37.79 TWD 50.04 TWD 65
EV/EBITDA 112.24 TWD 153.40 TWD 194.56 TWD 67
EV/Revenue 9.04 TWD 17.73 TWD 26.42 TWD 51
Asset-Based
NCAV (Graham) 11.48 TWD 15.39 TWD 22.96 TWD 54
Growth DCF
Growth DCF 208.33 TWD 271.15 TWD 341.78 TWD 77

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Quality Score breakdown

Overall quality 41/100

Of which business quality 42 · Market factors (momentum, volatility) 41

Profitability 5
Margins and returns on capital today
Quality Growth 40
Are margins and returns improving?
Cashflow 86
Earnings quality: real cash, not paper profit
Fin. Strength 6
Balance sheet, leverage, solvency risk
Investment 62
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 48
Price trend over the last 3–12 months (market factor)
52W Momentum 21
Distance to the 52-week high (market factor)
Net Issuance 71
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. 48/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+1.2%
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.
+8.6%
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.
7.2% (2022) → 11.8% (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

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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.Credit Services · 331 stocks

Beats the industry median on 4/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 41 · Bottom 25%
Fair Value upside +38% · Above median
Profitability
Return on assets −1% · Bottom 25%
Net margin (TTM) −14% · Bottom 25%
Operating margin (TTM) 6% · Bottom 25%
Growth and dividend
Revenue growth 20% · Above median
Dividend yield (TTM) 0.9% · Below median
Balance sheet
Debt / equity 0.94× · Above median

Valuation Multiplesvs Credit Services median · lower = cheaper

P/S (TTM) 0.05× · Cheapest 25%
P/FCF 0.0× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)84 · sector 49
FUTURE (revenue growth)98 · sector 36
PAST (return on equity)0 · sector 32
HEALTH (low debt)53 · sector 59
DIVIDEND (yield)18 · sector 68

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 Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Visa Inc V $362.04 $227.35 −37%
Mastercard Incorporated MA $555.89 $356.78 −36%
American Express Company AXP $301.96 $206.40 −32%
Capital One Financial Corporation COF $196.10 $125.36 −36%
Bajaj Finance Limited BAJFINANCE ₹1,043 ₹1,101 +6%
PayPal Holdings PYPL $52.89 $99.46 +88%
Affirm Holdings AFRM $68.09 $16.24 −76%
Shriram Finance Limited SHRIRAMFIN ₹1,011 ₹1,374 +36%
Synchrony Financial, SYF $70.67 $137.28 +94%
SoFi Technologies, Inc SOFI $16.55 $5.57 −66%

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Infinite Finance Co. Ltd. · Fair Value
23.90 TWD +28%Fair Value
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Cite: Fair Value Calculator (2026). "Infinite Finance Co. Ltd. Fair Value". https://www.fairvalue-calculator.com/stock/6958

Frequently asked questions

Is Infinite Finance Co. Ltd. (6958) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 23.90 TWD versus a price of 17.30 TWD, about +38% upside (undervalued).
What is the fair value of 6958?
Our model-based fair value for Infinite Finance Co. Ltd. is 23.90 TWD (as of Sep 24, 2026), built from audited fundamentals. The current price: 17.30 TWD.
What is the quality score of 6958?
Infinite Finance Co. Ltd. has a Quality Score of 41/100. 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 Infinite Finance Co. Ltd. (6958)?
Our model-based price target is the fair value of 23.90 TWD (as of Sep 24, 2026) from 12 valuation models. Cautious scenario 17.17 TWD, optimistic scenario 31.22 TWD. It is a calculation from audited fundamentals, not an analyst target.
What is the Infinite Finance Co. Ltd. stock forecast for 2026?
Our models put fair value at 23.90 TWD, about +38% upside versus a price of 17.30 TWD (undervalued). Cautious scenario 17.17 TWD, optimistic scenario 31.22 TWD. The calculation is refreshed regularly with new filings.
What is the revenue of Infinite Finance Co. Ltd. (6958)?
Infinite Finance Co. Ltd. reported trailing-twelve-month revenue of about 5.4B TWD (latest available figure, as of Sep 24, 2026).
Does Infinite Finance Co. Ltd. pay a dividend?
Infinite Finance Co. Ltd. currently shows a dividend yield of about 0.92% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Infinite Finance Co. Ltd. (6958)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Infinite Finance Co. Ltd. it is 23.90 TWD per share (as of Sep 24, 2026), against a price of 17.30 TWD. It is the blended result of 12 valuation models (cash flow, earnings, asset, dividend).
Is Infinite Finance Co. Ltd. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 6958 trades below its calculated fair value: price 17.30 TWD, fair value 23.90 TWD, a gap of about +38% (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 6958?
No. The price is what the market pays today (17.30 TWD); the fair value is what the company's own numbers justify (23.90 TWD). For Infinite Finance Co. Ltd. the two are 6.60 TWD per share apart. That gap is exactly why we show both numbers side by side.
How much is Infinite Finance Co. Ltd. worth?
The market values Infinite Finance Co. Ltd. at about 8.1B TWD (market capitalisation, as of Sep 24, 2026). Per share that is 17.30 TWD; our models calculate a fair value of 23.90 TWD per share.
What do the bullish and bearish scenarios say about 6958?
Our models span a range for Infinite Finance Co. Ltd.: cautious scenario 17.17 TWD, base 23.90 TWD, optimistic 31.22 TWD per share (as of Sep 24, 2026, price 17.30 TWD). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Infinite Finance Co. Ltd. (6958)?
Balance-sheet figures for Infinite Finance Co. Ltd. (as of Sep 24, 2026): return on equity −7.3%, debt of 0.94 per unit of equity. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
How far is 6958 from its 52-week high?
Infinite Finance Co. Ltd. trades at 17.30 TWD, about 54% below its 52-week high of 37.87 TWD and 22% above the low of 14.23 TWD (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 23.90 TWD is for.
Which stocks are comparable to Infinite Finance Co. Ltd.?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 Infinite Finance Co. Ltd. stock attractive at the current price?
The data as of Sep 24, 2026: price 17.30 TWD, calculated fair value 23.90 TWD (+38%), Quality Score 41/100, from 12 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 6958 calculated?
We run Infinite Finance Co. Ltd. through 12 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 23.90 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 13.0 % above its aggregate fair value. Infinite Finance Co. Ltd. currently trades 38 % 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 Infinite Finance Co. Ltd. (6958)?
The closing price on Sep 24, 2026 was 17.30 TWD. Our model-based fair value is 23.90 TWD, about +38% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Infinite Finance Co. Ltd. right now?
The large discount to fair value meets weak quality (41/100). 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 (17.17 TWD to 31.22 TWD) 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 Infinite Finance Co. Ltd.

How large is the market capitalisation of Infinite Finance Co. Ltd. (6958)?
The market capitalisation of Infinite Finance Co. Ltd. is 8.1B TWD (≈ $256M). 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 Infinite Finance Co. Ltd. (6958)?
The price-to-sales ratio of Infinite Finance Co. Ltd. is 1.50 (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 Infinite Finance Co. Ltd. (6958)?
Earnings per share at Infinite Finance Co. Ltd. are −2.38 TWD. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Infinite Finance Co. Ltd. (6958)?
The dividend yield of Infinite Finance Co. Ltd. is 0.9%. 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 Infinite Finance Co. Ltd. (6958)?
The net margin of Infinite Finance Co. Ltd. is −11.5% (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 Infinite Finance Co. Ltd. (6958)?
The return on equity (ROE) of Infinite Finance Co. Ltd. is −7.3% (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 Infinite Finance Co. Ltd. (6958)?
On an EBIT basis the return on assets of Infinite Finance Co. Ltd. is 0.9% (avg 4y). 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 Infinite Finance Co. Ltd. (6958)?
The operating margin of Infinite Finance Co. Ltd. is 6.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Infinite Finance Co. Ltd. (6958)?
Revenue at Infinite Finance Co. Ltd. is growing +19.5% versus a year earlier (3y avg +8.6%). 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 Infinite Finance Co. Ltd. (6958) generate?
The free cash flow of Infinite Finance Co. Ltd. is 12.1B 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 debt does Infinite Finance Co. Ltd. (6958) carry?
The net debt of Infinite Finance Co. Ltd. is 53.7B TWD (fiscal year 2025, ≈ 4.5 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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