Kindcard, Inc (KCRD) Fair Value & Analysis
Technology · US · Market cap $3.5M
Kindcard, Inc
KCRD · US
Fair value as of: Aug 18, 2026
From 6 valuation models · updated today
Below-average quality, and screening another 24% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case ($0.0290). The favourable scenario is already priced in.
- Weak quality (44/100) and above fair value at the same time, the margin of safety is missing on both counts.
- The models converge in a tight band ($0.0256 to $0.0290), unusually little disagreement for a valuation.
- Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
Price vs Fair Value (3 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 18, 2026.
How to read this chart
37‑month range $0.0160 – $0.9900 · fair‑value band $0.0256 – $0.0290 · the $0.0335 price screens above the $0.0256 fair value. Dashed = 300-day average. As of Aug 18, 2026.
Analysis
Kindcard, Inc (KCRD) currently trades at $0.0335, while our model-based Fair Value estimate is $0.0256, implying the stock looks roughly 23.6% overvalued today. The Quality Score stands at 44/100 (below-average 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: low).
Over the trailing twelve months, Kindcard, Inc generated revenue of $354K at a net margin of -61.5%. Revenue declined 13.3% year over year. Fundamentals as of Aug 18, 2026
Our scenario range runs from $0.0256 (bear case) to $0.0290 (bull case); at $0.0335, the current price sits above 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 31% below its 52-week high and 81% above its 52-week low, currently above its 200-day average. For context, the median of 10 Technology peers we cover trades at -59% fair-value upside, at -24%, KCRD 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.
All 6 models by family
Widest divergence: DCF Models ($0.0100) versus DCF Models ($0.0100). Highest evidence: Growth DCF (80).
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Key figures & financial health
Figures from reported company fundamentals · as of Aug 18, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 47 · Market factors (momentum, volatility) 47
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
Kindcard, Inc., through its subsidiaries, provides traditional and alternative closed-loop payment solutions to consumers and businesses worldwide. It offers Pay with Deb, a consumer app and merchant services platform.
Full company description
Kindcard, Inc., through its subsidiaries, provides traditional and alternative closed-loop payment solutions to consumers and businesses worldwide. It offers Pay with Deb, a consumer app and merchant services platform. The company also provides cash pick up services for retail and wholesale merchants, as well as a stored value point of sale gift card processing solution to small and mid-sized businesses in the North American retail market. In addition, it offers Tendercard, a host-based program that provides real time data and accurate records of various activities related to the gift card processing account and the related monthly reporting. The company was formerly known as MWF Global Inc. and changed its name to Kindcard, Inc. in September 2021. Kindcard, Inc. was incorporated in 2016 and is based in Boca Raton, Florida.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Kindcard, Inc reported revenue of $366K in FY2026 versus $369K in FY2022, a compound −0.2%/yr. Reported net income was −$210K in FY2026.
KCRD screens 24% overvalued. Compare with Microsoft Corporation →
Peer Group
Software - Infrastructure · 370 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.
Valuation Multiples vs Software - Infrastructure median · lower = cheaper
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.
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.
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 - Infrastructure stocks, each showing price versus our Fair Value estimate (as of Aug 18, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Microsoft Corporation MSFT | $506.06 | $365.74 | -28% |
| Oracle Corporation ORAC | C$7.22 | C$2.34 | -68% |
| Fortinet, Inc FTNT | $160.84 | $61.46 | -62% |
| Synopsys, Inc 1SNPS | €358.00 | €93.61 | -74% |
| Block, Inc XYZ | A$111.01 | A$70.69 | -36% |
| Range Intelligent Computing Technology Group 300442 | ¥67.70 | ¥30.89 | -54% |
| Oracle Financial Services Software Limited OFSS | ₹11,679 | ₹6,897 | -41% |
| 360 Security Technology Inc 601360 | ¥9.58 | ¥1.05 | -89% |
| One97 Communications Limited PAYTM | ₹1,610 | ₹241.68 | -85% |
| PT GoTo Gojek Tokopedia Tbk GOTO | 50.00 IDR | 20.41 IDR | -59% |
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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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