PCA Corporation (PCRDF) fair value: what the stock is really worth
As of Sep 18, 2026: fair value of PCA Corporation $15.32, price $12.84, upside +19.4%, quality 69 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 24, 2026.
How to read this chart
32‑month range $7.08 – $12.84 · fair‑value band $11.49 – $19.14 · the $12.84 price screens below the $15.32 fair value. Dashed = 300-day average. As of Sep 24, 2026.
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PCA Corporation develops and sells computer software in Japan. The company offers accounting solutions for bill management option, consolidated settlement option, data linkage option, workflow, payment management, cost management, cost management for construction industry, international trading, and consolidated accounting.
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PCA Corporation develops and sells computer software in Japan. The company offers accounting solutions for bill management option, consolidated settlement option, data linkage option, workflow, payment management, cost management, cost management for construction industry, international trading, and consolidated accounting. It also provides HR management solutions used for time clock, shift management, attendance management workflow, payment statement electronic distribution, social insurance and labor insurance management, payment record, daily payroll, and business form design. In addition, the company offers sales/purchasing software solutions for order entry simultaneous entry option, sales/purchase simultaneous entry option, convenience store receiving agent option, data linkage option, specified slip issuance, POS cash register, sales force automation, customer management, handy terminal, EDI, and business form design. The company was incorporated in 1980 and is headquartered in Tokyo, Japan.
Stock analysis
PCA Corporation (PCRDF) currently trades at $12.84, while our model-based Fair Value estimate is $15.32, implying the stock looks roughly 16.2% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $17.61 per share, and 15 of the 24 models we run sit above the $12.84 price.
Bear case: the Earnings-Based group reads lowest at $3.59, and 9 of the 24 models stay below the price. Evidence for this calculation is high.
Scenario range: $11.49 (bear) to $19.14 (bull), the price of $12.84 sits inside 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 69/100 (solid quality), in the Technology sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
PCA Corporation reported revenue of ¥16.2B in FY2025 versus ¥13.3B in FY2021, a compound +5.1%/yr. Reported net income was ¥1.7B in FY2025, compounding +1.1%/yr from FY2021.
Key figures
Market cap $257M · P/E ratio 17.1 · P/S ratio 1.83 · EPS (TTM) $0.7500 · Dividend yield 2.0% · Net margin 10.7% · Return on equity 12.4% · Return on assets (EBIT) 7.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 53 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 22% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at −13% fair-value upside, at 19%, PCRDF screens cheaper than that median.
Fair Value models
Bear $11.49Fair Value $15.32Bull $19.14
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.
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.73/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+8.1%
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.
+6.7%
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.
+2.6%
Start year 2020 (pandemic)
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years), in JPY ⓘ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 5 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. Measured in JPY: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+1.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−0.1%
Dividend (yield on the price)2.0%
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.20% → 16%
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).
−4.9%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in JPY, Japan: IMF forecast 2.1% a year to 2030, 1.3% from 2016 to 2025) that is about −6.9% 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 - Application · 710 stocks
Beats the industry median on 12/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score69 · Top 25%
Fair Value upside+19% · Above median
Profitability
Return on equity (TTM)12% · Above median
Return on assets4% · Above median
Net margin (TTM)14% · Top 25%
Operating margin (TTM)12% · Above median
Growth and dividend
Revenue growth9% · Above median
Dividend yield (TTM)2.0% · Above median
Valuation Multiplesvs Software - Application median · lower = cheaper
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). "PCA Corporation Fair Value". https://www.fairvalue-calculator.com/stock/PCRDF
Frequently asked questions
Is PCA Corporation (PCRDF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $15.32 versus a price of $12.84, about +19% upside (undervalued).
What is the fair value of PCRDF?
Our model-based fair value for PCA Corporation is $15.32 (as of Sep 24, 2026), built from audited fundamentals. The current price: $12.84.
What is the quality score of PCRDF?
PCA Corporation has a Quality Score of 69/100. 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 PCA Corporation (PCRDF)?
Our model-based price target is the fair value of $15.32 (as of Sep 24, 2026) from 24 valuation models. Cautious scenario $11.49, optimistic scenario $19.14. It is a calculation from audited fundamentals, not an analyst target.
What is the PCA Corporation stock forecast for 2026?
Our models put fair value at $15.32, about +19% upside versus a price of $12.84 (undervalued). Cautious scenario $11.49, optimistic scenario $19.14. The calculation is refreshed regularly with new filings.
What is the revenue of PCA Corporation (PCRDF)?
PCA Corporation reported trailing-twelve-month revenue of about ¥17.3B (latest available figure, as of Sep 24, 2026).
Does PCA Corporation pay a dividend?
PCA Corporation currently shows a dividend yield of about 1.96% relative to its recent price (as of Sep 24, 2026).
What growth is priced into PCA Corporation (PCRDF)?
For today's price to be fair in a discounted-cash-flow model, PCA Corporation would have to grow free cash flow by -4.9 % per year for five years (discount rate 11.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +2.6 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of PCRDF use?
Our models discount PCA Corporation at 11.6 %: a base by market capitalisation (micro), damped by beta 0.63, 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 PCA Corporation that is -4.9 % per year a year over ten years, using the same discount rate (11.6 %) and the same formula as our fair value.
How much growth has PCA Corporation (PCRDF) delivered so far?
Over the past 5 years revenue at PCA Corporation grew +2.6 % a year. The price currently implies -4.9 % 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 PCA Corporation (PCRDF) growing?
The median revenue growth in the sector is +3.4 % a year. That is the yardstick for the growth priced into PCA Corporation (-4.9 % 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 PCA Corporation (PCRDF)?
The free-cash-flow yield on the price is 6.27 %: that much free cash flow PCA Corporation produces per unit of market value. When it exceeds the discount rate of our models (11.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of PCA Corporation (PCRDF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For PCA Corporation it is $15.32 per share (as of Sep 24, 2026), against a price of $12.84. It is the blended result of 24 valuation models (cash flow, earnings, asset, dividend).
Is PCA Corporation stock overvalued or undervalued in 2026?
As of Sep 24, 2026, PCRDF trades below its calculated fair value: price $12.84, fair value $15.32, a gap of about +19% (undervalued). 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 PCRDF?
No. The price is what the market pays today ($12.84); the fair value is what the company's own numbers justify ($15.32). For PCA Corporation the two are $2.49 per share apart. That gap is exactly why we show both numbers side by side.
How much is PCA Corporation worth?
The market values PCA Corporation at about $257M (market capitalisation, as of Sep 24, 2026). Per share that is $12.84; our models calculate a fair value of $15.32 per share.
What do the bullish and bearish scenarios say about PCRDF?
Our models span a range for PCA Corporation: cautious scenario $11.49, base $15.32, optimistic $19.14 per share (as of Sep 24, 2026, price $12.84). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PCRDF?
PCA Corporation trades at a price-to-earnings ratio of 17.1 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $15.32 is built from several models across several years. Other multiples: P/B 2.1, P/S 2.4, EV/EBITDA 6.9.
How solid is the balance sheet of PCA Corporation (PCRDF)?
Balance-sheet figures for PCA Corporation (as of Sep 24, 2026): return on equity 12.4%. They feed the Quality Score of 69/100, which measures business quality independently of the share price.
How far is PCRDF from its 52-week high?
PCA Corporation trades at $12.84, at its 52-week high of $12.84 and 22% above the low of $10.54 (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of $15.32 is for.
Which stocks are comparable to PCA Corporation?
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 PCA Corporation stock attractive at the current price?
The data as of Sep 24, 2026: price $12.84, calculated fair value $15.32 (+19%), Quality Score 69/100, from 24 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 PCRDF calculated?
We run PCA Corporation through 24 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 $15.32, 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 14.1 % above its aggregate fair value. PCA Corporation currently trades 19 % below its own fair value, and the market average says nothing about that. 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 PCA Corporation (PCRDF)?
The closing price on Sep 18, 2026 was $12.84. Our model-based fair value is $15.32, about +19% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with PCA Corporation right now?
The price sits in the lower half of our model range, the side with the larger margin of safety. The data supports the verdict: every model runs on fully documented inputs.
Key figures of PCA Corporation
How large is the market capitalisation of PCA Corporation (PCRDF)?
The market capitalisation of PCA Corporation is $257M. 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 PCA Corporation (PCRDF)?
The price-to-sales ratio of PCA Corporation is 1.83 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of PCA Corporation (PCRDF)?
Earnings per share at PCA Corporation are $0.7500 (price ÷ EPS = P/E 17.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of PCA Corporation (PCRDF)?
The dividend yield of PCA Corporation is 2.0% (payout 33.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of PCA Corporation (PCRDF)?
The net margin of PCA Corporation is 10.7% (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 PCA Corporation (PCRDF)?
The return on equity (ROE) of PCA Corporation is 12.4% (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 PCA Corporation (PCRDF)?
On an EBIT basis the return on assets of PCA Corporation is 7.4% (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 PCA Corporation (PCRDF)?
The operating margin of PCA Corporation is 12.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at PCA Corporation (PCRDF)?
Revenue at PCA Corporation is growing +8.8% versus a year earlier (3y avg +6.7%). 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 PCA Corporation (PCRDF)?
Earnings per share at PCA Corporation are growing +279% versus a year earlier. How much earnings per share grew versus a year earlier.
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Broad data
Sep 24, 2026