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FDCTech Inc (FDCT) fair value: what the stock is really worth

As of Oct 16, 2026: fair value (intrinsic value) of FDCTech Inc stock $0.61, price $3.99, upside -84.7%, quality 63 out of 100. Rating: strongly overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

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

Financial Services · US · Based in Cyprus

FI FDCTech Inc logo Thin data Oct 4, 2026

FDCTech Inc

FDCT · US

Stretched ValuationStrong overvaluation with only moderate quality.

Our calculation puts a fair price 85% below what the stock costs today.

Quality 63/100
Highly profitable · 36.5% net margin (TTM)
Low debt
Ranks above peers (8/9)
Expensive Growth (revenue 5y +176.7 %/yr in USD)
Wide moat 75/100 · thin data
Fair value $0.6100 · Strongly overvalued (−84.7%)
Negative free cash flow
Thin data
Structural break
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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

$19.25 $0.0050 Fair Value $0.6100 Jul 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 4, 2026.

How to read this chart

60‑month range $0.0050 – $19.25 · fair‑value band $0.3900 – $0.7700 · the $3.99 price screens above the $0.6100 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 4, 2026.

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Company profile

FDCTech, Inc. operates as a technology provider and software developer for digital assets. The company operates through four segments: Margin Brokerage, Payment Intermediary Services, Technology and Software Development; and Wealth Management.

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The company's Margin Brokerage segment offers multi-asset trading services in forex, CFDs, equities, commodities, and digital assets to retail and institutional clients. Its Wealth Management segment provides licensing solutions and financial planning services to these financial advisors.

The Technology and Software Development segment develops and licenses proprietary Condor Trading Technology suite, including the Condor Pro Multi-Asset Trading Platform and Condor Risk Management back-office system.

Its Payment Intermediary Services segment in involved in developing payment gateway, merchant acquiring, and cross-border payment capabilities to complement brokerage and wealth management operations.

The company provides multi-asset trading services in forex, CFDs, equities, commodities, and digital assets; and spot forex, precious metals, spread bets, and contracts for difference on currencies, commodities, indices, individual equities, cryptocurrencies, bonds, and interest rate products, as well as OTC options.

The company was formerly known as Forex Development Corporation and changed its name to FDCTech, Inc. in February 2018. FDCTech, Inc. was incorporated in 2016 and is based in Irvine, California.

Stock analysis

FDCTech Inc (FDCT) currently trades at $3.99, while our model-based Fair Value estimate is $0.6100, 84.7% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Earnings-Based group reads highest at a median of $1.65 per share, and 0 of the 7 models we run sit above the $3.99 price.

Bear case: the Asset-Based group reads lowest at $0.1200, and 7 of the 7 models stay below the price. Data coverage for this calculation is low.

Scenario range: $0.3900 (bear) to $0.7700 (bull), the price of $3.99 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 63/100 (solid quality), in the Financial Services sector.

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

FDCTech Inc reported revenue of $35.0M in FY2025 versus $458K in FY2021, a compound +195.6%/yr. Reported net income was $5.8M in FY2025.

Key figures

Market cap $247M Micro · P/E ratio 0.9 · P/S ratio 0.30 · EPS (TTM) $4.48 · Net margin 36.5% · Return on equity 73.8% · Return on assets (EBIT) −13.5% · Operating margin 42.3%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 75 out of 100 (low confidence).

What moves the price

The share trades about 49% below its 52-week high and 470% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −12% fair-value upside, at −85%, FDCT screens richer than that median.

Fair Value models

The price assumes far more growth than our models allow for, so the models scatter widely ($0.1200 to $2.23). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear $0.3900 Fair Value $0.6100 Bull $0.7700
Price $3.99 · Upside -84.7%
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. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($3.60 per share) are deliberately not added. 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
Owner Earnings $0.3900 $0.6200 $1.02 72
Residual Income $0.2400 $0.3300 $0.5800 65
P/E Multiple $0.4600 $0.6100 $0.7700 63
All 7 models by family
DCF Models
Owner Earnings $0.3900 $0.6200 $1.02 72
Earnings-Based
Graham-Dodd $0.3200 $2.23 $3.13 61
Lynch FV $1.15 $1.65 $2.14 59
Multiples
P/E Multiple $0.4600 $0.6100 $0.7700 63
P/B Multiple $0.1800 $0.2400 $0.3000 55
Asset-Based
NCAV (Graham) $0.0800 $0.1200 $0.1500 55
Economic Profit
Residual Income $0.2400 $0.3300 $0.5800 65

Open the full fair value analysis →

Quality Score breakdown

Overall quality 63/100

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

Profitability 62
How much profit the company makes from its sales and capital
Quality Growth 80
Are margins and returns getting better?
Cashflow 0
Do the profits arrive as real cash?
Financial strength 83
Debt, balance sheet and risk of trouble
Investment 33
Does it invest with discipline instead of growing at any price?
Low Volatility 50
How calm the share price moves, does not count
Momentum 38
Price trend of the last 3 to 12 months, does not count
Near the 52-week high 23
Distance to the 52-week high, does not count
New shares 100
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. 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+29.7%
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.
+75.6%
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.
+176.7%
Start year 2020 (pandemic)
Revenue growth 9 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.
+102.4%
What shareholders gained per year (last 3 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
≈ +52.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+52.2%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘ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.−185% → 17%
⚠ Rate on operating basis: 2025 sits 543% above its own trend.

FDCT screens overvalued: fair value 85% below the price. Compare with Morgan Stanley, a financial holding company, →

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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.Capital Markets · 451 stocks

Beats the industry median on 8/9 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 63 · Above median
Fair Value upside −84.7% · Bottom 25%
Profitability
Return on equity (12 months) 73.8% · Top 25%
Return on assets 9.1% · Top 25%
Net margin (12 months) 36.5% · Above median
Operating margin (12 months) 42.3% · Above median
Growth and dividend
Revenue growth (quarter YoY) 222.4% · Top 25%
Balance sheet
Debt / equity 0.01× · Below median

Valuation Multiplesvs Capital Markets median · lower = cheaper

P/E (12 months) 0.9× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 37
FUTURE (revenue growth)100 · sector 76
PAST (return on equity)100 · sector 33
HEALTH (low debt)100 · sector 94
DIVIDEND (yield)0 · sector 44

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 Capital Markets stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Morgan Stanley, a financial holding company, MS $178.47 $314.07 +76% vs FDCT
The Charles Schwab Corporation SCHW $95.94 $118.07 +23% vs FDCT
Guotai Haitong Securities Co 601211 ¥17.20 ¥19.35 +13% vs FDCT
Nomura Holdings NMR $9.57 $10.18 +6% vs FDCT
The Goldman Sachs Group GS $875.78 $766.86 −12% vs FDCT
CITIC Securities Company 600030 ¥26.06 ¥18.35 −30% vs FDCT
Robinhood Markets, Inc HOOD $109.22 $47.77 −56% vs FDCT
Macquarie Group MQG A$249.35 A$80.51 −68% vs FDCT
East Money Information Co 300059 ¥17.84 ¥4.94 −72% vs FDCT
Interactive Brokers Group IBKR $87.87 $23.12 −74% vs FDCT

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FDCTech Inc · Fair Value
$0.6100 −85%Fair Value
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Cite: Fair Value Calculator (2026). "FDCTech Inc Fair Value". https://www.fairvalue-calculator.com/stock/FDCT

Frequently asked questions

Is FDCTech Inc (FDCT) overvalued or undervalued?
As of Oct 4, 2026, our model estimates a fair value of $0.6100 versus a price of $3.99, about −85% upside (overvalued).
What is the fair value of FDCT?
Our model-based fair value for FDCTech Inc is $0.6100 (as of Oct 4, 2026), built from audited fundamentals. The current price: $3.99.
What is the quality score of FDCT?
FDCTech Inc has a Quality Score of 63/100. 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 FDCTech Inc (FDCT)?
Our model-based price target is the fair value of $0.6100 (as of Oct 4, 2026) from 7 valuation models. Cautious scenario $0.3900, optimistic scenario $0.7700. It is a calculation from audited fundamentals, not an analyst target.
What is the FDCTech Inc stock forecast for 2026?
Our models put fair value at $0.6100, about −85% upside versus a price of $3.99 (overvalued). Cautious scenario $0.3900, optimistic scenario $0.7700. The calculation is refreshed regularly with new filings.
What is the revenue of FDCTech Inc (FDCT)?
FDCTech Inc reported trailing-twelve-month revenue of about $56.2M (latest available figure, as of Oct 4, 2026).
What is the intrinsic value of FDCTech Inc (FDCT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For FDCTech Inc it is $0.6100 per share (as of Oct 4, 2026), against a price of $3.99. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is FDCTech Inc stock overvalued or undervalued in 2026?
As of Oct 4, 2026, FDCT trades above its calculated fair value: price $3.99, fair value $0.6100, a gap of about −85% (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 FDCT?
No. The price is what the market pays today ($3.99); the fair value is what the company's own numbers justify ($0.6100). For FDCTech Inc the two are $3.38 per share apart. That gap is exactly why we show both numbers side by side.
How much is FDCTech Inc worth?
The market values FDCTech Inc at about $247M (market capitalisation, as of Oct 4, 2026). Per share that is $3.99; our models calculate a fair value of $0.6100 per share.
What do the bullish and bearish scenarios say about FDCT?
Our models span a range for FDCTech Inc: cautious scenario $0.3900, base $0.6100, optimistic $0.7700 per share (as of Oct 4, 2026, price $3.99). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FDCT?
FDCTech Inc trades at a price-to-earnings ratio of 0.9 (as of Oct 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $0.6100 is built from several models across several years.
How solid is the balance sheet of FDCTech Inc (FDCT)?
Balance-sheet figures for FDCTech Inc (as of Oct 4, 2026): return on equity 73.8%, debt of 0.01 per unit of equity. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is FDCT from its 52-week high?
FDCTech Inc trades at $3.99, about 49% below its 52-week high of $7.75 and 470% above the low of $0.7001 (as of Oct 16, 2026). Distance from the high says nothing about value: that is what the fair value of $0.6100 is for.
Which stocks are comparable to FDCTech Inc?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, 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 FDCTech Inc stock attractive at the current price?
The data as of Oct 4, 2026: price $3.99, calculated fair value $0.6100 (−85%), Quality Score 63/100, from 7 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 FDCT calculated?
We run FDCTech Inc through 7 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 $0.6100, 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 13.9 % above its aggregate fair value. FDCTech Inc 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 FDCTech Inc (FDCT)?
The closing price on Oct 16, 2026 was $3.99. Our model-based fair value is $0.6100, about −85% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with FDCTech Inc right now?
The price sits above even our optimistic bull case ($0.7700). 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 (63/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($0.3900 to $0.7700) leaves room in how you read the outcome.

Key figures of FDCTech Inc

How large is the market capitalisation of FDCTech Inc (FDCT)?
The market capitalisation of FDCTech Inc is $247M. 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 FDCTech Inc (FDCT)?
The price-to-sales ratio of FDCTech Inc is 0.30 (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 FDCTech Inc (FDCT)?
Earnings per share at FDCTech Inc are $4.48 (price ÷ EPS = P/E 0.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of FDCTech Inc (FDCT)?
The net margin of FDCTech Inc is 36.5% (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 FDCTech Inc (FDCT)?
The return on equity (ROE) of FDCTech Inc is 73.8% (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 FDCTech Inc (FDCT)?
On an EBIT basis the return on assets of FDCTech Inc is −13.5% (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 FDCTech Inc (FDCT)?
The operating margin of FDCTech Inc is 42.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at FDCTech Inc (FDCT)?
Revenue at FDCTech Inc is growing +222% versus a year earlier (3y avg +75.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at FDCTech Inc (FDCT)?
Earnings per share at FDCTech Inc are growing +64.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does FDCTech Inc (FDCT) generate?
The free cash flow of FDCTech Inc is −$41.0M (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 FDCTech Inc (FDCT) hold?
FDCTech Inc holds more cash than debt, $14.6M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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