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8common Limited (8CO) Fair Value & Analysis

Technology · AU · Market cap A$8.7M

8L 8common Limited 8CO · AU
PriceA$0.0410
Fair ValueA$0.0394
Upside-3.9%
Quality68/100
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Mixed Growth
Loss-making · -3.8% net margin
Negative equity (buybacks among others) · generates free cash flow
Trails peers (3/8)
Narrow moat 15/100
Evidence: High Range A$0.0394 – A$0.0511 Share as image

Fair value as of: Jul 16, 2026

From 16 valuation models · updated 25 days ago

Fair value updated Jul 16, 2026, revised from A$0.0200 to A$0.0394 (+96.9%) since Jun 26, 2026. Share price +2.5% over the past month.

A solid business, currently priced close to our fair value.

What matters now

  • The price sits close to our fair value, market and models broadly agree here, little valuation tension.
  • Our model range runs from A$0.0394 (bear) to A$0.0511 (bull), base A$0.0394. The closer the price sits to the lower half, the larger the margin of safety.
  • Quality 68/100 (solid quality) with high evidence: the data supports the verdict.
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Price vs Fair Value (5 years)

A$0.2250 A$0.0140 Fair Value A$0.0394 May 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.

How to read this chart

60‑month range A$0.0140 – A$0.2250 · fair‑value band A$0.0394 – A$0.0511 · the A$0.0410 price screens above the A$0.0394 fair value. Dashed = 300-day average. As of Jul 16, 2026.

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Analysis

8common Limited (8CO) currently trades at A$0.0410, while our model-based Fair Value estimate is A$0.0394, implying the stock looks roughly 3.9% fairly valued today. The Quality Score stands at 68/100 (solid quality), in the Technology sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, 8common Limited generated revenue of A$7.0M at a net margin of -3.8%. Revenue declined 9.3% year over year. Fundamentals as of Jul 16, 2026

Our scenario range runs from A$0.0394 (bear case) to A$0.0511 (bull case); at A$0.0410, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 18% below its 52-week high and 141% above its 52-week low, currently above its 200-day average. For context, the median of 10 Technology peers we cover trades at -27% fair-value upside, at -4%, 8CO screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

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
Highest evidence
Growth DCF A$0.0100 A$0.0100 A$0.0100 72
Rev-Margin DCF A$0.0200 A$0.0400 A$0.0600 67
ROIC Compounder A$0.0300 A$0.0300 A$0.0300 67
All 16 models by family
DCF Models
FCF DCF A$0.0100 A$0.0100 A$0.0100 38
5Y Revenue Exit A$0.0200 A$0.0400 A$0.0600 39
5Y EBITDA Exit A$0.0400 A$0.0700 A$0.1100 41
5Y P/E Exit A$0.0100 A$0.0100 38
10Y Revenue Exit A$0.0100 A$0.0300 A$0.0500 36
10Y EBITDA Exit A$0.0200 A$0.0500 A$0.0800 37
10Y P/E Exit A$0.0100 A$0.0100 35
Earnings-Based
Graham-Dodd A$0.0100 54
EPV A$0.0300 A$0.0300 A$0.0300 59
Multiples
P/E Multiple A$0.0100 63
EV/EBIT A$0.0500 A$0.0700 A$0.0900 53
EV/EBITDA A$0.0700 A$0.0900 A$0.1200 54
EV/Revenue A$0.0400 A$0.0500 A$0.0700 43
Growth DCF
Growth DCF A$0.0100 A$0.0100 A$0.0100 72
Rev-Margin DCF A$0.0200 A$0.0400 A$0.0600 67
Economic Profit
ROIC Compounder A$0.0300 A$0.0300 A$0.0300 67

Widest divergence: Multiples (A$0.0700) versus Growth DCF (A$0.0100). Highest evidence: Growth DCF (72).

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Key figures & financial health

Revenue (TTM) A$7.0M
Revenue growth (YoY) -9.3%
Net margin -3.8%
Return on equity -11,650%
Free cash flow A$141K FY2025
Operating margin -4.3%
More key figures
Net debt A$346K FY2025

Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 68/100

Of which business quality 68 · Market factors (momentum, volatility) 70

Profitability 61
Margins and returns on capital today
Quality Growth 80
Are margins and returns improving?
Cashflow 61
Earnings quality: real cash, not paper profit
Fin. Strength 38
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 73
Price trend over the last 3–12 months (market factor)
52W Momentum 86
Distance to the 52-week high (market factor)
Net Issuance 95
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

8common Limited engages in the expense management software business in Australia, Asia, North America, and internationally. It offers Expense8, which provides end-to-end travel expense management software, card application, and management; and CardHero, a pre-paid card payment and fund distribution solution.

Full company description

8common Limited engages in the expense management software business in Australia, Asia, North America, and internationally. It offers Expense8, which provides end-to-end travel expense management software, card application, and management; and CardHero, a pre-paid card payment and fund distribution solution. The company serves publicly listed companies, global corporations, and local and national governments. 8common Limited was incorporated in 2014 and is headquartered in Canberra, Australia.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

8common Limited reported revenue of A$6.4M in FY2026 versus A$4.6M in FY2022, a compound +8.8%/yr. Reported net income was A$45.0K in FY2026.

Growth Quality 77/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2026)
A$6.4M
Latest YoY
−12.1%
Avg. growth/yr (3Y) 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.
−4.0%
Avg. growth/yr (5Y) 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.
+12.8%
Avg. growth/yr (12Y) 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.
+5.3%
Revenue +8.8%/yr
FY22 A$4.6M
FY23 A$7.2M
FY24 A$8.1M
FY25 A$7.3M
FY26 A$6.4M
Net income
FY22 −A$2.5M
FY23 −A$3.3M
FY24 −A$2.5M
FY25 −A$794K
FY26 A$45.0K

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Cite: Fair Value Calculator (2026). "8common Limited Fair Value". https://www.fairvalue-calculator.com/stock/8CO

Peer Group

Software - Application · 709 stocks

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.

Quality Score 68 · Top 25%
Fair Value upside −2% · Above median
Return on assets -1% · Below median
Net margin (TTM) -4% · Below median
Operating margin (TTM) -4% · Below median
Revenue growth -9% · Bottom 25%

Valuation Multiples vs Software - Application median · lower = cheaper

P/S (TTM) 0.89× · Cheaper than median
P/FCF 43.9× · Pricier than 75% of peers

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 30 · sector 0
FUTURE 0 · sector 38
PAST 0 · sector 13
HEALTH 0 · sector 98
DIVIDEND 0 · sector 28

PAST 0: with negative equity (buybacks among others) return on equity is not meaningfully computable.

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Software - Application stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).

Stock Price Fair Value vs Fair Value
SAP SE SAPS C$12.69 C$16.26 +28%
Shopify Inc SHOP C$173.23 C$20.54 -88%
Uber Technologies, Inc UBER $72.67 $51.11 -30%
Salesforce, Inc CRM $170.77 $182.10 +7%
ServiceNow, Inc NOW $107.71 $33.12 -69%
Cadence Design Systems, Inc CDNS $384.17 $80.41 -79%
Snowflake Inc SNOW $271.87 $34.04 -87%
Adobe Inc ADBE $230.61 $379.48 +65%
Automatic Data Processing, Inc ADP $241.92 $177.51 -27%
Intuit Inc INTU $291.09 $258.69 -11%

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Frequently asked questions

Is 8common Limited (8CO) overvalued or undervalued?
As of Jul 16, 2026, our model estimates a fair value of A$0.0394 versus a price of A$0.0410, about −4% (fairly valued).
What is the fair value of 8CO?
Our model-based fair value for 8common Limited is A$0.0394 (as of Jul 16, 2026), built from audited fundamentals. The current price is A$0.0410.
What is the quality score of 8CO?
8common Limited has a Quality Score of 68/100. 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 revenue of 8common Limited (8CO)?
8common Limited reported trailing-twelve-month revenue of about A$7.0M (latest available figure, as of Jul 16, 2026).
What is the net profit margin of 8CO?
The net profit margin of 8common Limited is about -3.8%, meaning it is currently running at a net loss. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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