Kindcard, Inc (KCRD) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Kindcard, Inc $0.03, price $0.03, upside -23.6%, quality 44 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
38‑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 Sep 27, 2026.
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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.
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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.
Stock analysis
Kindcard, Inc (KCRD) currently trades at $0.0335, while our model-based Fair Value estimate is $0.0256, 23.6% 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 $0.0100 per share, and 0 of the 5 models we run sit above the $0.0335 price.
Bear case: the DCF Models group reads lowest at $0.0100, and 5 of the 5 models stay below the price. Evidence for this calculation is low.
Scenario range: $0.0256 (bear) to $0.0290 (bull), the price of $0.0335 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 44/100 (below-average 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.
Kindcard, Inc reported revenue of $366K in FY2026 versus $369K in FY2022, a compound −0.2%/yr. Reported net income was −$210K in FY2026.
Key figures
Market cap $3.4M · P/S ratio 9.79 · Net margin −57.5% · Return on assets (EBIT) −269% · Operating margin −84.2% · Revenue (TTM) $354K · Revenue growth (YoY) −13.3% · Free cash flow $47.1K.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).
What moves the price
The share trades about 24% below its 52-week high and 60% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at −23% fair-value upside, at −24%, KCRD screens richer than that median.
Fair Value models
Bear $0.0256Fair Value $0.0256Bull $0.0290
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.
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
−11.0%
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.
−14.9%
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.
+467.7%
Start year 2021 (pandemic)
Revenue growth 8 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.
+201.9%
’18
’19
’21
’22
’23
’24
’25
’26
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.
−52,016.1% (2021) → −88.1% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2026 is a loss year, no rate is defined from a loss
not computed
Growth Forecast
Little optimism in the price
The price assumes less 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).
+37.3%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +34.2% a year for the price.
Price, fair value, quality and upside side by side.
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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 - Infrastructure · 339 stocks
Beats the industry median on 0/7 measures
Overall it trails its industry peers.
Valuation
Quality Score44 · Below median
Fair Value upside−23.6% · Below median
Profitability
Return on equity (TTM)Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Net margin (TTM)−61.5% · Bottom 25%
Operating margin (TTM)−84.2% · Bottom 25%
Growth and dividend
Revenue growth−13.3% · Bottom 25%
Balance sheet
Debt / equityNegative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Valuation Multiplesvs Software - Infrastructure median · lower = cheaper
P/BNegative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
P/S (TTM)9.59× · Priciest 25%
P/FCF72.2× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)2· sector 28
FUTURE (revenue growth)0· sector 59
PAST (return on equity)0· sector 26
HEALTH (low debt)0· sector 98
DIVIDEND (yield)0· sector 34
PAST 0: with negative equity (buybacks among others) return on equity is not meaningfully computable.
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Cite: Fair Value Calculator (2026). "Kindcard, Inc Fair Value". https://www.fairvalue-calculator.com/stock/KCRD
Frequently asked questions
Is Kindcard, Inc (KCRD) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of $0.0256 versus the last price from Sep 25, 2026 of $0.0335, about −24% upside (overvalued).
What is the fair value of KCRD?
Our model-based fair value for Kindcard, Inc is $0.0256 (as of Sep 27, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $0.0335.
What is the quality score of KCRD?
Kindcard, Inc has a Quality Score of 44/100. 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 Kindcard, Inc (KCRD)?
Our model-based price target is the fair value of $0.0256 (as of Sep 27, 2026) from 6 valuation models. Cautious scenario $0.0256, optimistic scenario $0.0290. It is a calculation from audited fundamentals, not an analyst target.
What is the Kindcard, Inc stock forecast for 2026?
Our models put fair value at $0.0256, about −24% upside versus the last price from Sep 25, 2026 of $0.0335 (overvalued). Cautious scenario $0.0256, optimistic scenario $0.0290. The calculation is refreshed regularly with new filings.
What is the revenue of Kindcard, Inc (KCRD)?
Kindcard, Inc reported trailing-twelve-month revenue of about $354K (latest available figure, as of Sep 27, 2026).
What growth is priced into Kindcard, Inc (KCRD)?
For today's price to be fair in a discounted-cash-flow model, Kindcard, Inc would have to grow free cash flow by +37.3 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +467.7 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of KCRD use?
Our models discount Kindcard, Inc at 9.7 %: a base by market capitalisation (nano), 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 Kindcard, Inc that is +37.3 % per year a year over ten years, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has Kindcard, Inc (KCRD) delivered so far?
Over the past 5 years revenue at Kindcard, Inc grew +467.7 % a year. The price currently implies +37.3 % 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 Kindcard, Inc (KCRD) growing?
The median revenue growth in the sector is +13.1 % a year. That is the yardstick for the growth priced into Kindcard, Inc (+37.3 % 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 Kindcard, Inc (KCRD)?
The free-cash-flow yield on the price is 1.39 %: that much free cash flow Kindcard, Inc produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Kindcard, Inc (KCRD)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Kindcard, Inc it is $0.0256 per share (as of Sep 27, 2026), against a price of $0.0335. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Kindcard, Inc stock overvalued or undervalued in 2026?
As of Sep 27, 2026, KCRD trades above its calculated fair value: price $0.0335, fair value $0.0256, a gap of about −24% (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 KCRD?
No. The price is what the market pays today ($0.0335); the fair value is what the company's own numbers justify ($0.0256). For Kindcard, Inc the two are $0.0079 per share apart. That gap is exactly why we show both numbers side by side.
How much is Kindcard, Inc worth?
The market values Kindcard, Inc at about $3.4M (market capitalisation, as of Sep 27, 2026). Per share that is $0.0335; our models calculate a fair value of $0.0256 per share.
What do the bullish and bearish scenarios say about KCRD?
Our models span a range for Kindcard, Inc: cautious scenario $0.0256, base $0.0256, optimistic $0.0290 per share (as of Sep 27, 2026, price $0.0335). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Kindcard, Inc (KCRD)?
Balance-sheet figures for Kindcard, Inc (as of Sep 27, 2026): negative equity, so no return on equity and no debt-to-equity ratio. They feed the Quality Score of 44/100, which measures business quality independently of the share price.
How far is KCRD from its 52-week high?
Kindcard, Inc trades at $0.0335, about 24% below its 52-week high of $0.0440 and 60% above the low of $0.0210 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0256 is for.
Which stocks are comparable to Kindcard, Inc?
From the same area (Technology) we also value Microsoft Corporation, Palantir Technologies Inc, Oracle Corporation, CrowdStrike Holdings, 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 Kindcard, Inc stock attractive at the current price?
The data as of Sep 27, 2026: price $0.0335, calculated fair value $0.0256 (−24%), Quality Score 44/100, 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 KCRD calculated?
We run Kindcard, Inc 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 $0.0256, 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. Kindcard, 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 Kindcard, Inc (KCRD)?
The latest price we hold is from Sep 25, 2026 and stands at $0.0335. Our model-based fair value is $0.0256, about −24% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Kindcard, Inc right 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.
Key figures of Kindcard, Inc
How large is the market capitalisation of Kindcard, Inc (KCRD)?
The market capitalisation of Kindcard, Inc is $3.4M. 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 Kindcard, Inc (KCRD)?
The price-to-sales ratio of Kindcard, Inc is 9.79 (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 Kindcard, Inc (KCRD)?
The net margin of Kindcard, Inc is −57.5% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Kindcard, Inc (KCRD)?
On an EBIT basis the return on assets of Kindcard, Inc is −269% (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 Kindcard, Inc (KCRD)?
The operating margin of Kindcard, Inc is −84.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Kindcard, Inc (KCRD)?
Revenue at Kindcard, Inc is growing −13.3% versus a year earlier (3y avg −14.9%). 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 debt does Kindcard, Inc (KCRD) carry?
The net debt of Kindcard, Inc is $711K (fiscal year 2026, ≈ 15.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Sep 27, 2026