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Software Service, Inc (SFSVF) Fair Value & Analysis

Healthcare · US · Market cap $423M

SS Software Service, Inc logo Software Service, Inc SFSVF · US
Price$85.59
Fair Value$153.33
Upside+79.1%
Quality64/100
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Mixed Growth
Solidly profitable · 12.7% net margin
generates free cash flow
1.28% dividend yield
Ranks above peers (8/10)
Wide moat 68/100
Evidence: High Range $91.09 – $191.67 Share as image

Fair value as of: Jul 18, 2026

From 24 valuation models · updated 23 days ago

A solid business, screening 79% undervalued on our models.

What matters now

  • The price is below even our cautious bear case ($91.09). The market is more pessimistic than our downside scenario.
  • Solid quality (64/100) at a price below fair value, the discount is the argument here, not the business quality.
  • A fairly wide model range ($91.09 to $191.67) leaves room in how you read the outcome.
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Price vs Fair Value (3 years)

$91.16 $62.21 Fair Value $153.33 Jun 2023 Jul 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 18, 2026.

How to read this chart

38‑month range $62.21 – $91.16 · fair‑value band $91.09 – $191.67 · the $85.59 price screens below the $153.33 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 18, 2026.

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Analysis

Software Service, Inc (SFSVF) currently trades at $85.59, while our model-based Fair Value estimate is $153.33, implying the stock looks roughly 79.1% undervalued today. The Quality Score stands at 64/100 (solid quality), in the Healthcare 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, Software Service, Inc generated revenue of $46.5B at a net margin of 12.7%. Revenue declined 7.6% year over year. It earns a return on equity of 14.9%. The stock trades on a trailing P/E of 11.7. Fundamentals as of Jul 18, 2026

Our scenario range runs from $91.09 (bear case) to $191.67 (bull case); at $85.59, 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. The share trades about 6% below its 52-week high and 13% above its 52-week low, currently above its 200-day average. For context, the median of 10 Healthcare peers we cover trades at -53% fair-value upside, at 79%, SFSVF 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 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
Highest evidence
Growth DCF $56.58 $80.92 $117.38 72
Growth-Adj P/E $109.76 $156.80 $203.83 68
Rev-Margin DCF $92.56 $159.36 $249.37 67
All 24 models by family
DCF Models
FCF DCF $57.52 $86.23 $132.66 38
Owner Earnings $110.32 $179.73 $292.02 31
5Y Revenue Exit $92.56 $162.74 $262.46 39
5Y EBITDA Exit $100.77 $180.33 $284.51 41
5Y P/E Exit $101.75 $182.43 $278.86 38
10Y Revenue Exit $75.79 $134.72 $232.89 36
10Y EBITDA Exit $83.64 $146.77 $250.41 37
10Y P/E Exit $84.25 $148.20 $245.92 35
Earnings-Based
Graham-Dodd $52.13 $275.86 $381.94 54
Lynch FV $75.94 $108.48 $141.03 50
PEG = 1.0 $75.94 $108.48 $141.03 46
EPV $86.80 $95.87 $103.43 59
Multiples
P/E Multiple $115.00 $153.33 $191.66 63
P/S Multiple $97.75 $130.33 $162.91 58
P/B Multiple $97.75 $130.33 $162.91 55
EV/EBIT $162.35 $209.71 $257.06 53
EV/EBITDA $133.64 $171.43 $209.21 54
EV/Revenue $113.15 $152.94 $192.73 43
Asset-Based
NCAV (Graham) $26.28 $35.21 $52.55 50
Growth DCF
Growth DCF $56.58 $80.92 $117.38 72
Rev-Margin DCF $92.56 $159.36 $249.37 67
Economic Profit
Residual Income $48.88 $59.14 $121.46 61
ROIC Compounder $95.46 $117.13 $143.33 67
Growth Earnings
Growth-Adj P/E $109.76 $156.80 $203.83 68

Widest divergence: Growth Earnings ($156.80) versus Asset-Based ($35.21). Highest evidence: Growth DCF (72).

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Key figures & financial health

Revenue (TTM) $46.5B
Revenue growth (YoY) -7.6%
Net margin 12.7%
Return on equity 14.9%
Free cash flow $2.7B FY2025
P/E ratio 11.7
More key figures
Operating margin 17.9%
EPS (TTM) $7.32
Dividend yield 1.3%
EPS growth (YoY) +23.0%

Figures from reported company fundamentals · as of Jul 18, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 64/100

Of which business quality 63 · Market factors (momentum, volatility) 64

Profitability 58
Margins and returns on capital today
Quality Growth 46
Are margins and returns improving?
Cashflow 39
Earnings quality: real cash, not paper profit
Fin. Strength 100
Balance sheet, leverage, solvency risk
Investment 48
Disciplined investing over empire-building
Low Volatility 100
Calm price path (market factor)
Momentum 45
Price trend over the last 3–12 months (market factor)
52W Momentum 56
Distance to the 52-week high (market factor)
Net Issuance 81
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

Software Service, Inc. engages in providing electric medical record, hospital total ordering, and other systems. It offers its products under the e-medical records and NEWTONS. The company was incorporated in 1969 and is headquartered in Osaka, Japan.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Software Service, Inc reported revenue of $42.3B in FY2025 versus $25.3B in FY2021, a compound +13.7%/yr. Reported net income was $6.1B in FY2025, compounding +19.5%/yr from FY2021.

Growth Quality 86/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
$42.3B
Latest YoY
+10.1%
Avg. growth/yr (3Y) 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.
+15.3%
Avg. growth/yr (5Y) 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.
+15.6%
Revenue +13.7%/yr
FY21 $25.3B
FY22 $27.6B
FY23 $33.7B
FY24 $38.4B
FY25 $42.3B
Net income +19.5%/yr
FY21 $3.0B
FY22 $3.4B
FY23 $4.9B
FY24 $5.3B
FY25 $6.1B

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Cite: Fair Value Calculator (2026). "Software Service, Inc Fair Value". https://www.fairvalue-calculator.com/stock/SFSVF

Peer Group

Health Information Services · 126 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 64 · Above median
Fair Value upside +79% · Top 25%
Return on equity (TTM) 15% · Top 25%
Return on assets 11% · Top 25%
Net margin (TTM) 13% · Top 25%
Operating margin (TTM) 18% · Top 25%
Revenue growth -8% · Bottom 25%
Dividend yield (TTM) 1.3% · Below median

Valuation Multiples vs Health Information Services median · lower = cheaper

P/E (TTM) 11.7× · Cheaper than 75% of peers
P/FCF 0.2× · Cheaper 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 0
FUTURE 0 · sector 33
PAST 59 · sector 8
HEALTH 0 · sector 98
DIVIDEND 26 · sector 35

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 Health Information Services stocks, each showing price versus our Fair Value estimate (as of Jul 18, 2026).

Stock Price Fair Value vs Fair Value
Veeva Systems Inc VEEV $190.12 $95.12 -50%
Pro Medicus Limited PME A$194.84 A$23.74 -88%
BrightSpring Health Services, Inc BTSG $68.16 $21.31 -69%
HealthEquity, Inc HQY $97.67 $56.63 -42%
Hinge Health, Inc HNGE $88.80 $24.03 -73%
10x Genomics, Inc TXG $45.75 $17.18 -62%
Waystar Holding WAY $22.69 $12.86 -43%
Doximity, Inc DOCS $22.21 $17.18 -23%
Privia Health Group PRVA $28.10 $5.30 -81%
Inventurus Knowledge Solutions Limited IKS ₹1,846 ₹860.28 -53%

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Frequently asked questions

Is Software Service, Inc (SFSVF) overvalued or undervalued?
As of Jul 18, 2026, our model estimates a fair value of $153.33 versus a price of $85.59, about +79% (undervalued).
What is the fair value of SFSVF?
Our model-based fair value for Software Service, Inc is $153.33 (as of Jul 18, 2026), built from audited fundamentals. The current price is $85.59.
What is the quality score of SFSVF?
Software Service, Inc has a Quality Score of 64/100. 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 revenue of Software Service, Inc (SFSVF)?
Software Service, Inc reported trailing-twelve-month revenue of about $46.5B (latest available figure, as of Jul 18, 2026).
What is the net profit margin of SFSVF?
The net profit margin of Software Service, Inc is about 12.7%, meaning it keeps roughly 12.7% of revenue as net income. Based on the latest reported figures.
Does Software Service, Inc pay a dividend?
Software Service, Inc currently shows a dividend yield of about 1.28% relative to its recent price (as of Jul 18, 2026).

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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