Korea Credit Information CO., LTD.

049720 KRX Other Other
KOSDAQ
₩9,050.00
+0.00%
Delayed · cached 15 min

Fair value analysis

049720
Korea Credit Information CO., LTD.
Other›Other
₩9,050.00
Close used for this calculation
₩19,278.20Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
77/100
Profitability15/25
Returns21/25
Balance Sheet16/25
Efficiency25/25
Growth19/25
Strong
Quality radar
77Prof.15/25Ret.21/25Eff.25/25B.Sht16/25Growth19/25

Consensus fair value

₩19,278.20
Below FV
▲ +113.0% against the close used
Model range ₩9,719.16 – ₩41,894.72
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear₩9,719.16Fair value₩19,278.20Bull₩41,894.72
FairClose
52-week traded range
52W low ₩9,050.0052W high ₩9,790.00

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

Korea Credit Information CO., LTD. closed at ₩9,050.00, 53.1% below the consensus fair value of ₩19,278.20 drawn from 10 valuation models.

Financial DNA score 77/100 — Strong. P/E of 9.5x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
₩23,144.33
+155.7%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
₩9,719.16
+7.4%
√(22.5 × EPS × BVPS)
EPS=951, BVPS=4414.63
Graham Formula
₩41,894.72
+362.9%
EPS × (8.5 + 2g) × 4.4 ÷ FD_Rate
g=12.3%, FD=3.3%
P/E Fair Value
₩19,020.00
+110.2%
EPS × 20x (sector P/E)
EPS=951, Sector P/E=20x
Peter Lynch (PEG)
₩11,668.77
+28.9%
EPS × Growth% (PEG = 1 is fair)
EPS=951, g=12.3%
EV/EBITDA
₩20,781.24
+129.6%
(EBITDA × 16.1x − Net Debt) ÷ Shares
EBITDA=17.96B
Dividend Discount (DDM)
₩22,480.20
+148.4%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=416.3, r=10%, g=8%
Book Value (P/B)
₩16,621.10
+83.7%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=4414.63, ROE=21.1%, g=6%, r=10%
Reverse DCF
₩9,050.00
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: -3% | Historical: 12.3%
Margin of Safety
₩17,583.41
+94.3%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=23444.55, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.