EN DE

iOCO Limited (IOC) Fair Value & Analysis

Technology · ZA · Market cap 2.5B ZAR

IL iOCO Limited IOC · JSE
Price3.95 ZAR
Fair Value11.34 ZAR
Upside+187.1%
Quality55/100
Watch iOCO Limited for free, get notified when fair value or trend changes. Watch for free
Weak Growth
Thin margins · 5.4% net margin
generates free cash flow
Ranks above peers (10/13)
Moderate moat 60/100
Evidence: High Range 7.71 ZAR – 14.18 ZAR Share as image

Fair value as of: Jul 16, 2026

From 26 valuation models · updated 22 days ago

Fair value updated Jul 16, 2026, revised from 5.67 ZAR to 11.34 ZAR (+100.0%) since Jun 26, 2026. Share price +2.2% over the past month.

A solid business, screening 187% undervalued on our models.

What matters now

  • The price is below even our cautious bear case (7.71 ZAR). The market is more pessimistic than our downside scenario.
  • Solid quality (55/100) at a price below fair value, the discount is the argument here, not the business quality.
  • A fairly wide model range (7.71 ZAR to 14.18 ZAR) leaves room in how you read the outcome.
Share this valuation: 𝕏 WhatsApp

Price vs Fair Value (5 years)

4.71 ZAR 0.9899 ZAR Fair Value 11.34 ZAR Apr 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 0.9899 ZAR – 4.71 ZAR · fair‑value band 7.71 ZAR – 14.18 ZAR · the 3.95 ZAR price screens below the 11.34 ZAR fair value. Dashed = 300-day average. As of Jul 16, 2026.

Full chart & analysis →

Which stocks are undervalued right now? Check free Discover now →

Analysis

iOCO Limited (IOC) currently trades at 3.95 ZAR, while our model-based Fair Value estimate is 11.34 ZAR, implying the stock looks roughly 187.1% undervalued today. We read business quality at 55/100 (solid quality), in the Technology sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, iOCO Limited generated revenue of 5.7B ZAR at a net margin of 5.4%. Revenue grew 3.5% year over year. It earns a return on equity of 41.3%. Net debt stands at 710M ZAR. Fundamentals as of Jul 16, 2026

Our scenario range runs from 7.71 ZAR (bear case) to 14.18 ZAR (bull case); at 3.95 ZAR, the current price sits below 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. For context, the median of 10 Technology peers we cover trades at -25% fair-value upside, at 187%, IOC 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 BearBaseBull Evidence
Highest evidence
Residual Income 2.25 ZAR 2.68 ZAR 8.58 ZAR 76
Growth DCF 7.08 ZAR 10.31 ZAR 14.74 ZAR 72
Gordon GGM 4.42 ZAR 8.81 ZAR 13.34 ZAR 70
All 26 models by family
DCF Models
FCF DCF 6.99 ZAR 10.65 ZAR 16.02 ZAR 38
Owner Earnings 5.59 ZAR 8.53 ZAR 12.83 ZAR 31
5Y Revenue Exit 6.32 ZAR 9.92 ZAR 14.49 ZAR 39
5Y EBITDA Exit 7.14 ZAR 11.46 ZAR 16.47 ZAR 41
5Y P/E Exit 5.97 ZAR 9.28 ZAR 12.71 ZAR 38
10Y Revenue Exit 6.32 ZAR 9.62 ZAR 13.99 ZAR 36
10Y EBITDA Exit 7.01 ZAR 10.66 ZAR 15.47 ZAR 37
10Y P/E Exit 6.29 ZAR 9.18 ZAR 12.66 ZAR 35
Earnings-Based
Graham-Dodd 2.75 ZAR 8.59 ZAR 11.42 ZAR 54
Lynch FV 1.87 ZAR 2.67 ZAR 3.47 ZAR 50
PEG = 1.0 1.87 ZAR 2.67 ZAR 3.47 ZAR 46
EPV 5.14 ZAR 5.95 ZAR 6.66 ZAR 59
Dividend Discount
Gordon GGM 4.42 ZAR 8.81 ZAR 13.34 ZAR 70
DDM Multi-Stage 4.42 ZAR 7.19 ZAR 9.30 ZAR 61
Multiples
P/E Multiple 6.08 ZAR 8.10 ZAR 10.13 ZAR 63
P/S Multiple 5.16 ZAR 6.89 ZAR 8.61 ZAR 58
P/B Multiple 2.60 ZAR 3.47 ZAR 4.34 ZAR 55
EV/EBIT 9.26 ZAR 12.34 ZAR 15.43 ZAR 53
EV/EBITDA 8.14 ZAR 10.85 ZAR 13.56 ZAR 54
EV/Revenue 6.24 ZAR 8.91 ZAR 11.59 ZAR 43
Asset-Based
NCAV (Graham) 0.5800 ZAR 0.7800 ZAR 1.16 ZAR 50
Growth DCF
Growth DCF 7.08 ZAR 10.31 ZAR 14.74 ZAR 72
Rev-Margin DCF 6.32 ZAR 9.95 ZAR 14.13 ZAR 67
Economic Profit
Residual Income 2.25 ZAR 2.68 ZAR 8.58 ZAR 76
ROIC Compounder 5.39 ZAR 6.52 ZAR 7.70 ZAR 67
Growth Earnings
Growth-Adj P/E 5.05 ZAR 7.22 ZAR 9.39 ZAR 68

Widest divergence: Growth DCF (9.95 ZAR) versus Asset-Based (0.7800 ZAR). Highest evidence: Residual Income (76).

Key figures & financial health

Revenue (TTM) 5.7B ZAR
Revenue growth (YoY) +3.5%
Net margin 5.4%
Return on equity 41.3%
Free cash flow 401M ZAR FY2025
P/E ratio 8.3
More key figures
Operating margin 8.5%
EPS (TTM) 0.4800 ZAR
EPS growth (YoY) +47.4%
Net debt 710M ZAR FY2025

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

Quality Score breakdown

Overall quality 55/100

Of which business quality 54 · Market factors (momentum, volatility) 51

Profitability 78
Margins and returns on capital today
Quality Growth 67
Are margins and returns improving?
Cashflow 64
Earnings quality: real cash, not paper profit
Fin. Strength 13
Balance sheet, leverage, solvency risk
Investment 67
Disciplined investing over empire-building
Low Volatility 84
Calm price path (market factor)
Momentum 35
Price trend over the last 3–12 months (market factor)
52W Momentum 40
Distance to the 52-week high (market factor)
Net Issuance 40
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

iOCO Limited provides information and communications technology services in Africa, the United Kingdom, Europe, and the Middle East.

Full company description

iOCO Limited provides information and communications technology services in Africa, the United Kingdom, Europe, and the Middle East. It offers advisory; agile; artificial intelligence; automation; cloud and cyber security; data; enterprise resource planning; financial performance management; managed services; software testing; security and building management; and software and development services. The company also provides ExposeIT app that helps for root out corruption and wrongdoing in the organizations. It serves mining, financial, manufacturing, public sector, and telecommunication industries. The company was formerly known as EOH Holdings Limited and changed its name to iOCO Limited in December 2024. iOCO Limited was incorporated in 1998 and is based in Midrand, South Africa.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

iOCO Limited reported revenue of 5.6B ZAR in FY2025 versus 6.5B ZAR in FY2021, a compound −3.6%/yr. Reported net income was 251M ZAR in FY2025.

Growth Quality 40/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2025)
5.6B ZAR
Latest YoY
−7.5%
Avg. growth/yr (3Y)
−2.5%
Avg. growth/yr (5Y)
−8.6%
Avg. growth/yr (23Y)
+18.4%
Revenue −3.6%/yr
FY21 6.5B ZAR
FY22 6.0B ZAR
FY23 6.2B ZAR
FY24 6.0B ZAR
FY25 5.6B ZAR
Net income
FY21 −280M ZAR
FY22 −117M ZAR
FY23 −57.6M ZAR
FY24 −65.9M ZAR
FY25 251M ZAR

Watch IOC: get an alert when its fair value changes →

Share or link this analysis
For bloggers & editors: embed code + live data

For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.

Cite: Fair Value Calculator (2026). "iOCO Limited Fair Value". https://www.fairvalue-calculator.com/stock/IOC

Peer Group

Information Technology Services · 482 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 55 · Above median
Fair Value upside +187% · Top 25%
Return on equity (TTM) 41% · Top 25%
Return on assets 10% · Top 25%
Net margin (TTM) 5% · Above median
Operating margin (TTM) 8% · Above median
Revenue growth 4% · Below median

Valuation Multiples vs Information Technology Services median · lower = cheaper

P/E (TTM) 8.3× · Cheaper than 75% of peers
P/B 3.46× · Pricier than median
P/S (TTM) 0.44× · Cheaper than median
P/FCF 0.4× · Cheaper than median
EV/EBITDA 4.9× · Cheaper than 75% of peers
PEG 51.05× · 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 100 · sector 22
FUTURE 18 · sector 30
PAST 100 · sector 37
HEALTH 0 · sector 97
DIVIDEND 0 · sector 37

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 Information Technology Services stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).

Stock Price Fair Value vs Fair Value
International Business Machines Corporation IBM $235.92 $143.90 -39%
Accenture plc ACNN 2,460 MXN 250.95 MXN -90%
Infosys Limited INFY ₹1,156 ₹1,457 +26%
HCL Technologies Limited HCLTECH ₹1,204 ₹1,230 +2%
Wipro Limited WIPRO ₹178.43 ₹226.81 +27%
Tech Mahindra Limited TECHM ₹1,455 ₹1,086 -25%
Samsung SDS Co 018260 199,300 KRW 196,390 KRW -1%
Persistent Systems Limited PERSISTENT ₹5,059 ₹2,364 -53%
Hyundai Autoever Corporation 307950 393,000 KRW 133,088 KRW -66%
Coforge Limited COFORGE ₹1,541 ₹702.84 -54%

Compare iOCO Limited with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

Explore undervalued stocks

More undervalued Technology stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend Stocks

Frequently asked questions

Is iOCO Limited (IOC) overvalued or undervalued?
As of Jul 16, 2026, our model estimates a fair value of 11.34 ZAR versus a price of 3.95 ZAR, about +187% (undervalued).
What is the fair value of IOC?
Our model-based fair value for iOCO Limited is 11.34 ZAR (as of Jul 16, 2026), built from audited fundamentals. The current price is 3.95 ZAR.
What is the quality score of IOC?
iOCO Limited has a Quality Score of 55/100. It combines two groups: business quality (profitability, growth, cash flow, balance-sheet strength) and market factors (price momentum, distance to the 52-week high, volatility). Both subtotals are shown separately in the detail view.
What is the revenue of iOCO Limited (IOC)?
iOCO Limited reported trailing-twelve-month revenue of about 5.7B ZAR (latest available figure, as of Jul 16, 2026).
What is the net profit margin of IOC?
The net profit margin of iOCO Limited is about 5.4%, meaning it keeps roughly 5.4% of revenue as net income. 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.

14 days Pro free · no card

Track iOCO Limited and try Pro for 14 days

One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.

Zero risk: nothing is ever charged. After 14 days you decide whether to stay.