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Jcurve Solutions Ltd (JCS) fair value: what the stock is really worth

As of Sep 24, 2026: fair value of Jcurve Solutions Ltd A$0.03, price A$0.03, upside -1.0%, quality 54 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 · AU · ISIN AU000000JCS2

JS Thin data Sep 23, 2026

Jcurve Solutions Ltd

JCS · AU

NeutralThe stock looks roughly fairly valued with average quality.

·Fair value A$0.0287 · Fairly valued (−1%)
!Quality 54/100
!Weak Growth (revenue 5y −5.9 %/yr)
!Thin margins · 5.6% net margin (TTM)
✓generates free cash flow
✓Ranks above peers (9/11)
!Moderate moat 62/100
!Insider activity 30/100
!Evidence only low, so the estimate is less certain
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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

A$0.0662 A$0.0200 Fair Value A$0.0287 Jul 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range A$0.0200 – A$0.0662 · fair‑value band A$0.0254 – A$0.0287 · the A$0.0290 price screens above the A$0.0287 fair value. Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

JCurve Solutions Limited provides enterprise resource planning (ERP) and telecommunications expense management solutions in Australia, New Zealand, Singapore, Thailand, and the Philippines.

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JCurve Solutions Limited provides enterprise resource planning (ERP) and telecommunications expense management solutions in Australia, New Zealand, Singapore, Thailand, and the Philippines. The company offers NetSuite ERP, a platform that offers accounting, order management, inventory, production, supply chain, and warehouse processes; Jcurve, an ERP solution for accounting and financials, sales and marketing, and inventory management; Jcurve FSM, a cloud-based scheduling and rostering solutions platform; and Jtel, a cloud-based telecom expense management solution platform that allows managing multiple carriers across mobile, PABX, fixed line, and IP in one single platform. It also provides consulting, technical, and support services. It serves various industries, such as automotive, IT and technology services, building supplies, health and medical supplies, food and beverage, non profit, consumer products, equipment and machinery, manufacturing, retail, logistic, finance, trading and supply chain sectors. The company was formerly known as Stratatel Limited and changed its name to JCurve Solutions Limited in December 2013. JCurve Solutions Limited was founded in 1997 and is based in Chatswood, Australia.

Stock analysis

Jcurve Solutions Ltd (JCS) currently trades at A$0.0290, while our model-based Fair Value estimate is A$0.0287, implying the stock looks roughly 1.0% fairly valued today.

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Valuation

Bull case: the Growth DCF group reads highest at a median of A$0.0200 per share, and 0 of the 6 models we run sit above the A$0.0290 price.

Bear case: the DCF Models group reads lowest at A$0.0200, and 6 of the 6 models stay below the price. Evidence for this calculation is low.

Scenario range: A$0.0254 (bear) to A$0.0287 (bull), the price of A$0.0290 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 54/100 (solid quality), in the Technology sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

Jcurve Solutions Ltd reported revenue of A$8.3M in FY2025 versus A$10.6M in FY2021, a compound −6.1%/yr. Reported net income was −A$660K in FY2025.

Key figures

Market cap A$14.1M (≈ $9.9M) · P/S ratio 1.08 · Net margin −8.0% · Return on equity 67.3% · Return on assets (EBIT) −13.6% · Operating margin 15.2% · Revenue (TTM) A$13.0M · Revenue growth (YoY) +32.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).

What moves the price

The share trades about 49% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Technology peers we cover trades at −14% fair-value upside, at −1%, JCS screens cheaper than that median.

Fair Value models

Bear A$0.0254 Fair Value A$0.0287 Bull A$0.0287
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 A$0.0100 A$0.0200 A$0.0300 77
Growth DCF A$0.0100 A$0.0200 A$0.0300 74
5Y Revenue Exit A$0.0100 A$0.0200 A$0.0200 71
All 6 models by family
DCF Models
FCF DCF A$0.0100 A$0.0200 A$0.0300 77
5Y Revenue Exit A$0.0100 A$0.0200 A$0.0200 71
10Y Revenue Exit A$0.0100 A$0.0200 A$0.0200 66
Multiples
EV/Revenue A$0.0100 A$0.0200 A$0.0200 52
Growth DCF
Growth DCF A$0.0100 A$0.0200 A$0.0300 74
Rev-Margin DCF A$0.0100 A$0.0200 A$0.0200 71

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Quality Score breakdown

Overall quality 54/100

Of which business quality 50 · Market factors (momentum, volatility) 22

Profitability 38
Margins and returns on capital today
Quality Growth 40
Are margins and returns improving?
Cashflow 29
Earnings quality: real cash, not paper profit
Fin. Strength 46
Balance sheet, leverage, solvency risk
Investment 96
Disciplined investing over empire-building
Low Volatility 41
Calm price path (market factor)
Momentum 21
Price trend over the last 3–12 months (market factor)
52W Momentum 2
Distance to the 52-week high (market factor)
Net Issuance 78
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. 37/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−35.1%
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.
−18.5%
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.
−5.9%
Start year 2020 (pandemic). Over 10 years: −3.1% a year
Revenue growth 25 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.
+18.4%
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.
−4.3% (2020) → −43.7% (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

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).
+11.9%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Australia: IMF forecast 3.0% a year to 2030, 2.9% from 2016 to 2025) that is about +8.7% a year for the price.

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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 · 721 stocks

Beats the industry median on 8/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 54 · Above median
Fair Value upside −13% · Below median
Profitability
Return on equity (TTM) 67% · Top 25%
Return on assets 12% · Top 25%
Net margin (TTM) 6% · Above median
Operating margin (TTM) 15% · Top 25%
Growth and dividend
Revenue growth 32% · Top 25%

Valuation Multiplesvs Software - Application median · lower = cheaper

P/B 6.61× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
P/S (TTM) 0.76× · Cheapest 25%
P/FCF 31.1× · Priciest 25%
EV/EBITDA 5.5× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)32 · sector 27
FUTURE (revenue growth)100 · sector 38
PAST (return on equity)100 · sector 16
HEALTH (low debt)0 · sector 97
DIVIDEND (yield)0 · sector 30

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 €184.18 €159.06 −14%
Shopify Inc SHOP $142.34 $64.36 −55%
Uber Technologies, Inc UBER $69.89 $104.82 +50%
Salesforce, Inc CRM $233.28 $344.41 +48%
ServiceNow, Inc NOW $140.78 $154.86 +10%
Cadence Design Systems, Inc CDNS $309.09 $225.14 −27%
Snowflake Inc SNOW $334.81 $75.08 −78%
Datadog, Inc DDOG $251.49 $32.92 −87%
Adobe Inc ADBE $238.25 $454.04 +91%
Automatic Data Processing, Inc ADP $263.68 $177.51 −33%

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Cite: Fair Value Calculator (2026). "Jcurve Solutions Ltd Fair Value". https://www.fairvalue-calculator.com/stock/JCS

Frequently asked questions

Is Jcurve Solutions Ltd (JCS) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of A$0.0287 versus a price of A$0.0290, about −1% upside (fairly valued).
What is the fair value of JCS?
Our model-based fair value for Jcurve Solutions Ltd is A$0.0287 (as of Sep 23, 2026), built from audited fundamentals. The current price: A$0.0290.
What is the quality score of JCS?
Jcurve Solutions Ltd has a Quality Score of 54/100. 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 Jcurve Solutions Ltd (JCS)?
Our model-based price target is the fair value of A$0.0287 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario A$0.0254, optimistic scenario A$0.0287. It is a calculation from audited fundamentals, not an analyst target.
What is the Jcurve Solutions Ltd stock forecast for 2026?
Our models put fair value at A$0.0287, about −1% upside versus a price of A$0.0290 (fairly valued). Cautious scenario A$0.0254, optimistic scenario A$0.0287. The calculation is refreshed regularly with new filings.
What is the revenue of Jcurve Solutions Ltd (JCS)?
Jcurve Solutions Ltd reported trailing-twelve-month revenue of about A$13.0M (latest available figure, as of Sep 23, 2026).
What growth is priced into Jcurve Solutions Ltd (JCS)?
For today's price to be fair in a discounted-cash-flow model, Jcurve Solutions Ltd would have to grow free cash flow by +11.9 % per year for five years (discount rate 8.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -5.9 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of JCS use?
Our models discount Jcurve Solutions Ltd at 8.9 %: a base by market capitalisation (nano), damped by beta 0.75, country premium for Australia. 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 Jcurve Solutions Ltd that is +11.9 % per year a year over ten years, using the same discount rate (8.9 %) and the same formula as our fair value.
How much growth has Jcurve Solutions Ltd (JCS) delivered so far?
Over the past 5 years revenue at Jcurve Solutions Ltd grew -5.9 % a year. The price currently implies +11.9 % 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 Jcurve Solutions Ltd (JCS) growing?
The median revenue growth in the sector is +8.2 % a year. That is the yardstick for the growth priced into Jcurve Solutions Ltd (+11.9 % 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 Jcurve Solutions Ltd (JCS)?
The free-cash-flow yield on the price is 3.33 %: that much free cash flow Jcurve Solutions Ltd produces per unit of market value. When it exceeds the discount rate of our models (8.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Jcurve Solutions Ltd (JCS)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Jcurve Solutions Ltd it is A$0.0287 per share (as of Sep 23, 2026), against a price of A$0.0290. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Jcurve Solutions Ltd stock overvalued or undervalued in 2026?
As of Sep 23, 2026, JCS trades above its calculated fair value: price A$0.0290, fair value A$0.0287, a gap of about −1% (fairly valued). 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 JCS?
No. The price is what the market pays today (A$0.0290); the fair value is what the company's own numbers justify (A$0.0287). For Jcurve Solutions Ltd the two are A$0.0003 per share apart. That gap is exactly why we show both numbers side by side.
How much is Jcurve Solutions Ltd worth?
The market values Jcurve Solutions Ltd at about A$14.1M (market capitalisation, as of Sep 23, 2026). Per share that is A$0.0290; our models calculate a fair value of A$0.0287 per share.
What do the bullish and bearish scenarios say about JCS?
Our models span a range for Jcurve Solutions Ltd: cautious scenario A$0.0254, base A$0.0287, optimistic A$0.0287 per share (as of Sep 23, 2026, price A$0.0290). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Jcurve Solutions Ltd (JCS)?
Balance-sheet figures for Jcurve Solutions Ltd (as of Sep 23, 2026): return on equity 67.3%. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is JCS from its 52-week high?
Jcurve Solutions Ltd trades at A$0.0290, about 49% below its 52-week high of A$0.0570 and 4% above the low of A$0.0280 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of A$0.0287 is for.
Which stocks are comparable to Jcurve Solutions Ltd?
From the same area (Technology) we also value SAP SE, Shopify Inc, Uber Technologies, Inc, Salesforce, 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 Jcurve Solutions Ltd stock attractive at the current price?
The data as of Sep 23, 2026: price A$0.0290, calculated fair value A$0.0287 (−1%), Quality Score 54/100, from 6 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 JCS calculated?
We run Jcurve Solutions Ltd through 6 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 A$0.0287, 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. Jcurve Solutions Ltd 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 Jcurve Solutions Ltd (JCS)?
The closing price on Sep 24, 2026 was A$0.0290. Our model-based fair value is A$0.0287, about −1% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Jcurve Solutions Ltd right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. The models converge in a tight band (A$0.0254 to A$0.0287), unusually little disagreement for a valuation. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.

Key figures of Jcurve Solutions Ltd

How large is the market capitalisation of Jcurve Solutions Ltd (JCS)?
The market capitalisation of Jcurve Solutions Ltd is A$14.1M (≈ $9.9M). 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 Jcurve Solutions Ltd (JCS)?
The price-to-sales ratio of Jcurve Solutions Ltd is 1.08 (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 Jcurve Solutions Ltd (JCS)?
The net margin of Jcurve Solutions Ltd is −8.0% (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 Jcurve Solutions Ltd (JCS)?
The return on equity (ROE) of Jcurve Solutions Ltd is 67.3% (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 Jcurve Solutions Ltd (JCS)?
On an EBIT basis the return on assets of Jcurve Solutions Ltd is −13.6% (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 Jcurve Solutions Ltd (JCS)?
The operating margin of Jcurve Solutions Ltd is 15.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Jcurve Solutions Ltd (JCS)?
Revenue at Jcurve Solutions Ltd is growing +32.1% versus a year earlier (3y avg −18.5%). 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 Jcurve Solutions Ltd (JCS)?
Earnings per share at Jcurve Solutions Ltd are growing +15.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Jcurve Solutions Ltd (JCS) hold?
Jcurve Solutions Ltd holds more cash than debt, A$1.2M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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