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Youzan Technology Limited (CHNVF) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Youzan Technology Limited $0.04, price $0.12, upside -66.7%, quality 61 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
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Technology · US · ISIN BMG2164J1099

YT Youzan Technology Limited logo Thin data Sep 24, 2026

Youzan Technology Limited

CHNVF · US

Stretched ValuationQuality growthStrong overvaluation with only moderate quality.

!Fair value $0.0400 · Strongly overvalued (−66.7%)
✓Quality 61/100
!Weak Growth (revenue 5y −4.5 %/yr)
✓Solidly profitable · 11.0% net margin (TTM)
✓Low debt · generates free cash flow
!Moderate moat 48/100
!Evidence only low, so the estimate is less certain

What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$0.2200 $0.0060 Fair Value $0.0400 Jul 2021 Oct 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

60‑month range $0.0060 – $0.2200 · fair‑value band $0.0400 – $0.0600 · the $0.1200 price screens above the $0.0400 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

Youzan Technology Limited, an investment holding company, provides online and offline e-commerce solutions in the People's Republic of China, Japan, and Canada. It operates through three segments: Third-Party Payment Services, Merchant Services, and Others.

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Youzan Technology Limited, an investment holding company, provides online and offline e-commerce solutions in the People's Republic of China, Japan, and Canada. It operates through three segments: Third-Party Payment Services, Merchant Services, and Others. The company offers third party payment and related consultancy services; and an e-commerce platform with various Software as a Service (Saas) products and services. In addition, it provides a suite of SaaS products, such as Youzan WeiMall, Youzan Store, Youzan Chain, Youzan Beauty, and other SaaS products; internet information; and factoring and guarantee, as well as research and development center services. Further, the company provides customized services for merchants and offers applications by third-party developers on Youzan App; and value-added services, including payment services, merchandise sourcing and distribution, consumer protection, and online traffic monetisation. The company was formerly known as China Youzan Limited and changed its name to Youzan Technology Limited in August 2024. Youzan Technology Limited was founded in 1995 and is headquartered in Wan Chai, Hong Kong.

Stock analysis

Youzan Technology Limited (CHNVF) currently trades at $0.1200, while our model-based Fair Value estimate is $0.0400, 66.7% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Growth DCF group reads highest at a median of $0.0300 per share, and 0 of the 23 models we run sit above the $0.1200 price.

Bear case: the Earnings-Based group reads lowest at $0.0100, and 23 of the 23 models stay below the price. Evidence for this calculation is low.

Scenario range: $0.0400 (bear) to $0.0600 (bull), the price of $0.1200 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 61/100 (solid 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.

Youzan Technology Limited reported revenue of 1.4B CNY in FY2025 versus 1.6B CNY in FY2021, a compound −2.0%/yr. Reported net income was 159M CNY in FY2025.

Key figures

Market cap $610M · P/S ratio 0.41 · Net margin 11.0% · Return on equity 13.9% · Return on assets (EBIT) −14.2% · Operating margin 8.3% · Revenue (TTM) 1.5B CNY · Revenue growth (YoY) +2.3%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).

What moves the price

The share trades about 7% below its 52-week high and 606% above its 52-week low.

For context, the median of 10 Technology peers we cover trades at −8% fair-value upside, at −67%, CHNVF screens richer than that median.

Fair Value models

Bear $0.0400 Fair Value $0.0400 Bull $0.0600
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
FCF DCF $0.0300 $0.0400 $0.0600 80
Growth DCF $0.0300 $0.0400 $0.0600 78
Owner Earnings $0.0300 $0.0300 $0.0500 77
All 24 models by family
DCF Models
FCF DCF $0.0300 $0.0400 $0.0600 80
Owner Earnings $0.0300 $0.0300 $0.0500 77
5Y Revenue Exit $0.0200 $0.0300 $0.0400 73
5Y EBITDA Exit $0.0300 $0.0300 $0.0400 77
5Y P/E Exit $0.0300 $0.0400 $0.0600 71
10Y Revenue Exit $0.0300 $0.0300 $0.0400 68
10Y EBITDA Exit $0.0300 $0.0300 $0.0400 70
10Y P/E Exit $0.0300 $0.0400 $0.0600 64
Earnings-Based
Graham-Dodd $0.0100 $0.0300 $0.0400 65
Lynch FV $0.0100 $0.0100 $0.0200 59
PEG = 1.0 $0.0100 $0.0100 $0.0200 55
EPV $0.0200 $0.0200 $0.0200 74
Multiples
P/E Multiple $0.0200 $0.0200 $0.0300 63
P/S Multiple $0.0100 $0.0100 $0.0200 55
P/B Multiple $0.0100 $0.0100 $0.0200 52
EV/EBIT $0.0300 $0.0300 $0.0300 66
EV/EBITDA $0.0200 $0.0300 $0.0300 67
EV/Revenue $0.0200 $0.0200 $0.0300 54
Asset-Based
NCAV (Graham) n/a n/a $0.0100 51
Growth DCF
Growth DCF $0.0300 $0.0400 $0.0600 78
Rev-Margin DCF $0.0200 $0.0300 $0.0400 73
Economic Profit
Residual Income $0.0100 $0.0100 $0.0100 71
ROIC Compounder $0.0200 $0.0200 $0.0200 72
Growth Earnings
Growth-Adj P/E $0.0100 $0.0200 $0.0300 65

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Quality Score breakdown

Overall quality 61/100

Of which business quality 59 · Market factors (momentum, volatility) 74

Profitability 34
Margins and returns on capital today
Quality Growth 60
Are margins and returns improving?
Cashflow 76
Earnings quality: real cash, not paper profit
Fin. Strength 50
Balance sheet, leverage, solvency risk
Investment 99
Disciplined investing over empire-building
Low Volatility 17
Calm price path (market factor)
Momentum 100
Price trend over the last 3–12 months (market factor)
52W Momentum 96
Distance to the 52-week high (market factor)
Net Issuance 50
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. 40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+6.9%
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.
−0.9%
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.
−4.5%
Start year 2020 (pandemic). Over 10 years: +31.0% a year
Revenue growth 24 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.
+16.6%
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.
−30.9% (2020) → 7.7% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: rate outside our plausibility band
not computed

Growth Forecast

A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
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).
+46.3%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in CNY, China: IMF forecast 1.7% a year to 2030, 1.4% from 2016 to 2025) that is about +43.9% a year for the price.

CHNVF screens overvalued: fair value 67% below the price. Compare with SAP SE →

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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 · 685 stocks

Beats the industry median on 7/11 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 61 · Above median
Fair Value upside −84.6% · Bottom 25%
Profitability
Return on equity (TTM) 13.9% · Above median
Return on assets 1.4% · Below median
Net margin (TTM) 11.0% · Above median
Operating margin (TTM) 8.3% · Above median
Growth and dividend
Revenue growth 2.3% · Below median
Balance sheet
Debt / equity 0.28× · Highest 25%

Valuation Multiplesvs Software - Application median · lower = cheaper

P/B 0.48× · Cheapest 25%
P/S (TTM) 0.41× · Cheapest 25%
P/FCF 2.5× · Cheapest 25%

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
SAP SE SAP €186.74 €172.46 −8%
Salesforce, Inc CRM $229.57 $342.73 +49%
Shopify Inc SHOP $144.01 $64.36 −55%
ServiceNow, Inc NOW $134.01 $147.41 +10%
Uber Technologies, Inc UBER $69.36 $103.69 +49%
Snowflake Inc SNOW $330.31 $74.36 −77%
Automatic Data Processing, Inc ADP $261.80 $150.01 −43%
Adobe Inc ADBE $239.94 $454.04 +89%
Datadog, Inc DDOG $268.70 $32.52 −88%
Cadence Design Systems, Inc CDNS $326.70 $225.48 −31%

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Cite: Fair Value Calculator (2026). "Youzan Technology Limited Fair Value". https://www.fairvalue-calculator.com/stock/CHNVF

Frequently asked questions

Is Youzan Technology Limited (CHNVF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $0.0400 versus a price of $0.1200, about −67% upside (overvalued).
What is the fair value of CHNVF?
Our model-based fair value for Youzan Technology Limited is $0.0400 (as of Sep 24, 2026), built from audited fundamentals. The current price: $0.1200.
What is the quality score of CHNVF?
Youzan Technology Limited has a Quality Score of 61/100. 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 Youzan Technology Limited (CHNVF)?
Our model-based price target is the fair value of $0.0400 (as of Sep 24, 2026) from 24 valuation models. Cautious scenario $0.0400, optimistic scenario $0.0600. It is a calculation from audited fundamentals, not an analyst target.
What is the Youzan Technology Limited stock forecast for 2026?
Our models put fair value at $0.0400, about −67% upside versus a price of $0.1200 (overvalued). Cautious scenario $0.0400, optimistic scenario $0.0600. The calculation is refreshed regularly with new filings.
What is the revenue of Youzan Technology Limited (CHNVF)?
Youzan Technology Limited reported trailing-twelve-month revenue of about 1.5B CNY (latest available figure, as of Sep 24, 2026).
What growth is priced into Youzan Technology Limited (CHNVF)?
For today's price to be fair in a discounted-cash-flow model, Youzan Technology Limited would have to grow free cash flow by +46.3 % per year for five years (discount rate 12.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -4.5 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of CHNVF use?
Our models discount Youzan Technology Limited at 12.2 %: a base by market capitalisation (small), damped by beta 1.36, country premium for USA. 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 Youzan Technology Limited that is +46.3 % per year a year over ten years, using the same discount rate (12.2 %) and the same formula as our fair value.
How much growth has Youzan Technology Limited (CHNVF) delivered so far?
Over the past 5 years revenue at Youzan Technology Limited grew -4.5 % a year. The price currently implies +46.3 % 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 Youzan Technology Limited (CHNVF) growing?
The median revenue growth in the sector is +10.3 % a year. That is the yardstick for the growth priced into Youzan Technology Limited (+46.3 % 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 Youzan Technology Limited (CHNVF)?
The free-cash-flow yield on the price is 0.97 %: that much free cash flow Youzan Technology Limited produces per unit of market value. When it exceeds the discount rate of our models (12.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Youzan Technology Limited (CHNVF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Youzan Technology Limited it is $0.0400 per share (as of Sep 24, 2026), against a price of $0.1200. It is the blended result of 24 valuation models (cash flow, earnings, asset, dividend).
Is Youzan Technology Limited stock overvalued or undervalued in 2026?
As of Sep 24, 2026, CHNVF trades above its calculated fair value: price $0.1200, fair value $0.0400, a gap of about −67% (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 CHNVF?
No. The price is what the market pays today ($0.1200); the fair value is what the company's own numbers justify ($0.0400). For Youzan Technology Limited the two are $0.0800 per share apart. That gap is exactly why we show both numbers side by side.
How much is Youzan Technology Limited worth?
The market values Youzan Technology Limited at about $610M (market capitalisation, as of Sep 24, 2026). Per share that is $0.1200; our models calculate a fair value of $0.0400 per share.
What do the bullish and bearish scenarios say about CHNVF?
Our models span a range for Youzan Technology Limited: cautious scenario $0.0400, base $0.0400, optimistic $0.0600 per share (as of Sep 24, 2026, price $0.1200). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Youzan Technology Limited (CHNVF)?
Balance-sheet figures for Youzan Technology Limited (as of Sep 24, 2026): return on equity 13.9%, debt of 0.28 per unit of equity. They feed the Quality Score of 61/100, which measures business quality independently of the share price.
How far is CHNVF from its 52-week high?
Youzan Technology Limited trades at $0.1200, about 7% below its 52-week high of $0.1290 and 606% above the low of $0.0170 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0400 is for.
Which stocks are comparable to Youzan Technology Limited?
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 Youzan Technology Limited stock attractive at the current price?
The data as of Sep 24, 2026: price $0.1200, calculated fair value $0.0400 (−67%), Quality Score 61/100, 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 CHNVF calculated?
We run Youzan Technology Limited 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 $0.0400, 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 14.5 % above its aggregate fair value. Youzan Technology Limited 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 Youzan Technology Limited (CHNVF)?
The closing price on Oct 2, 2026 was $0.1200. Our model-based fair value is $0.0400, about −67% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Youzan Technology Limited right now?
The price sits above even our optimistic bull case ($0.0600). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (61/100) and above fair value, neither a clear bargain nor a standout compounder.

Key figures of Youzan Technology Limited

How large is the market capitalisation of Youzan Technology Limited (CHNVF)?
The market capitalisation of Youzan Technology Limited is $610M. 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 Youzan Technology Limited (CHNVF)?
The price-to-sales ratio of Youzan Technology Limited is 0.41 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of Youzan Technology Limited (CHNVF)?
The net margin of Youzan Technology Limited is 11.0% (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 Youzan Technology Limited (CHNVF)?
The return on equity (ROE) of Youzan Technology Limited is 13.9% (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 Youzan Technology Limited (CHNVF)?
On an EBIT basis the return on assets of Youzan Technology Limited is −14.2% (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 Youzan Technology Limited (CHNVF)?
The operating margin of Youzan Technology Limited is 8.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Youzan Technology Limited (CHNVF)?
Revenue at Youzan Technology Limited is growing +2.3% versus a year earlier (3y avg −0.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much net cash does Youzan Technology Limited (CHNVF) hold?
Youzan Technology Limited holds more cash than debt, 3.8B CNY net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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