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049720.KQ$9620.00+1.26%
Fair $9620.00+0.0%

049720.KQ

Korea Credit Information CO., LTD

Industrials / Specialty Business ServicesKOSDAQ

$9620.00

+120.00 (+1.26%)

Fairly Valued+0.0%Fair Value $9620.00Fund rank 37/100 · Data gapFallback financials|
SA 43/C
F-Score: 4/9

FCF base 3Y

n/d

n/d CAGR · yield n/d

FCF base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 23% · confianza 25%

FCF escenarios

weak_data · normalized FCF $17.8B · quality 75.3/100

Data gap 37/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 79/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

43/100

C

Piotroski

4/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 0unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); composite fair value and forward targets are disabled until manually verified.
Thesis & Journal · 049720.KQLocal privado en este navegador · Korea Credit Information CO., LTD
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$134.1B

P/E

10.2x

↓

EV/EBITDA

5.6x

↓

ROE

21.1%

↑

Gross Margin

100.0%

↑

Debt/Equity

0.41

↑
52-Week Range$9620
$9450$11300

TradingView lightweight chart

049720.KQ price, volumen y niveles de valoración

Último $9,620Periodo +617.9%
Fair value: $9,620

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+6.6%

FCF CAGR

+36.6%

FCF margin

9.0%

FCF / Net income

1.21x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $178.03B · net income $13.26B · FCF $16.06B

2022-FY → 2025-FY

Gross margin

100.0%+0.0% pts

Operating margin

9.4%+1.6% pts

Net margin

7.4%+0.2% pts

FCF margin

9.0%+4.7% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$178.03B$178.03B$171.31B$158.21B$146.77B
Net Income$13.26B$13.26B$13.24B$11.77B$10.59B
EBITDA$24.94B$24.94B$23.73B$21.38B$18.24B
EPS946.00946.00947.00843.00761.00
Gross Margin100.0%100.0%100.0%100.0%100.0%
Operating Margin9.4%9.4%9.0%8.7%7.8%
Net Margin7.4%7.4%7.7%7.4%7.2%
Balance Sheet
Debt/Equity0.410.410.420.530.73
Current Ratio1.671.67———
Cash Flow
Free Cash Flow$16.06B$16.06B$18.85B$17.84B$6.31B
Returns
ROE21.1%21.1%25.0%25.8%27.0%
Valuation
P/E10.1710.1710.6111.8114.06
EV/EBITDA5.625.626.027.159.11
P/B2.142.142.653.053.79
Growth & Yield
Revenue Growth3.9%3.9%8.3%7.8%—
EPS Growth-0.1%-0.1%12.3%10.8%—
Dividend Yield5.5%5.5%———

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

-3.4%

fácil

EPS terminal req.

$853.61

Spread vs growth

3.3%

5Y implied EPS CAGR

1.8%

fácil

EPS terminal req.

$1032.87

Spread vs growth

-1.9%

10Y implied EPS CAGR

5.8%

razonable

EPS terminal req.

$1663.45

Spread vs growth

-5.9%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total -1.9%

Total return

-1.9%

Start / end P/E

11.0x → 10.2x

EPS bridge

947.00 → 946.00

Residual

+0.0%

EPS growth-0.1%
Multiple rerating-7.2%
Dividend+5.5%
Residual / FX / buybacks / cross-term+0.0%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.