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NICE Information Service Co., Ltd. (030190) AI Stock Analysis

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KR:030190

NICE Information Service Co., Ltd.

(Korea Exchange:030190)

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Rating:83Outperform
Price Target:KRW 19,502.00â–²(12.21% Upside)
Action:initiatedcoverage
Date:10/28/26

The score is driven primarily by strong financial performance—high profitability, low leverage, and solid free-cash-flow quality—supported by reasonable valuation (moderate P/E and ~3% dividend). Technicals are favorable with an upward moving-average structure and positive MACD, though momentum indicators are neutral, limiting the upside contribution.

Positive Factors
Strong ProfitabilitySustained operating, EBITDA, and net margins indicate that NICE Information Service converts revenue into profit efficiently. This profitability provides internal funding for investment and shareholder returns, while supporting resilience and competitive strength over the next several quarters.
Negative Factors
Volatile Revenue GrowthThe sharp difference between earlier modest growth and elevated TTM growth makes the current expansion rate less predictable. The company may need to demonstrate that recent acceleration is sustainable, creating uncertainty around medium-term revenue planning and earnings progression.

NICE Information Service Co., Ltd. (030190) vs. SPDR S&P 500 ETF (SPY)

-10%-5%0%5%10%15%20%25%KR:030190+22.92%SPY+11.79%Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26
Market Cap
KRW 1.01T
Dividend Yield
2.93%
Average Volume (3M)
88.69K
Price to Earnings (P/E)
11.8
Beta (1Y)
-0.02
Revenue Growth
9.26%
EPS Growth
6.83%
Country
KR
Employees
516
Sector
General
Sector Strength
55
Industry
Financial - Credit Services

NICE Information Service Co., Ltd. Business Overview & Revenue Model

Company Description

Operating extensively in South Korea, NICE Information Service Co., Ltd. specializes in a comprehensive range of credit-related activities, including credit assessment, background checks, and debt recovery. The company also supplies crucial credit an...

NICE Information Service Co., Ltd. Financial Statement Overview

Summary

Strong overall fundamentals: solid profitability (TTM operating margin ~18%, EBITDA margin ~23%) and consistently healthy net margins (~11–14%). Balance sheet is conservative with very low leverage (TTM debt-to-equity ~0.08) and attractive ROE (~18.7%). Cash flow quality is good with free cash flow closely tracking net income (~93%), though operating cash flow conversion is slightly below 1.0 (TTM ~0.96) and recent TTM growth appears unusually elevated versus prior years, warranting monitoring.

Income Statement

84Very Positive

Balance Sheet

88Very Positive

Cash Flow

86Very Positive
Financial statement breakdown
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue627.80B602.15B535.03B485.71B479.87B484.80B
Gross Profit409.95B326.10B535.03B485.71B479.87B484.80B
EBITDA146.06B134.62B124.67B93.23B97.30B95.43B
Net Income86.52B77.17B76.11B56.05B52.70B54.68B
Balance Sheet
Total Assets644.61B646.53B585.67B493.71B481.09B434.27B
Cash, Cash Equivalents and Short-Term Investments184.42B204.14B180.35B180.39B175.79B173.43B
Total Debt36.22B42.82B54.26B25.18B25.14B21.55B
Total Liabilities156.99B176.98B168.93B124.11B139.45B132.73B
Stockholders Equity480.81B463.85B411.95B369.60B341.64B301.54B
Cash Flow
Free Cash Flow116.19B114.58B68.40B58.64B58.16B65.40B
Operating Cash Flow125.04B120.88B85.16B74.40B71.79B79.72B
Investing Cash Flow-44.56B-83.17B-27.91B-35.70B-65.07B-68.64B
Financing Cash Flow-50.60B-47.73B-21.00B-37.65B-27.54B-25.45B

NICE Information Service Co., Ltd. Technical Analysis

Technical Analysis SentimentPositive
Last Price17380.00

Price Trends

50DMA16198.40Positive
100DMA15217.40Positive
200DMA15472.73Positive

Market Momentum

MACD318.79Negative
RSI60.87Neutral
STOCH67.20Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KR:030190, the sentiment is Positive. The current price of 17380.00 is above the 20-day moving average (MA) of 16812.50, above the 50-day MA of 16198.40, and above the 200-day MA of 15472.73, indicating a bullish trend. The MACD of 318.79 indicates Negative momentum. The RSI at 60.87 is Neutral, neither overbought nor oversold. The STOCH value of 67.20 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for KR:030190.

NICE Information Service Co., Ltd. Peers Comparison

Overall Rating

UnderperformOutperform
Sector (55)

Financial Indicators

KR:030190 against its peers
NameOverall RatingMarket CapP/E RatioROEDividend YieldRevenue GrowthEPS Growth
KR:030190KR:03019083OutperformKRW 996.80B11.76―2.93%9.26%6.83%
KR:029780KR:02978065NeutralKRW 4.53T8.04―6.60%11.38%-6.76%
KR:030610KR:03061057NeutralKRW 902.95B4.62―6.87%-15.11%29.66%
KR:181710KR:18171057NeutralKRW 1.44T20.48―1.07%11.53%―
Sector *55Neutral$6.65B3.83-15.92%6.20%10.91%7.18%
KR:003530KR:00353055NeutralKRW 1.09T10.82――40.83%69.67%

* General Sector Average

Performance Comparison

0%50%100%150%KR:030190KR:003530KR:029780KR:030610KR:032190KR:181710Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26
KR:030190 and its peers over the selected period
Show on chartTickerCompany NamePriceChange% Change
KR:030190NICE Information Service Co., Ltd.17380.003230.8122.83%
KR:003530HANWHA INVESTMENT&SECURITIES Co. Ltd.4025.00-1315.00-24.63%
KR:029780Samsung Card Co., Ltd42450.00-4804.06-10.17%
KR:030610Kyobo Securities Co., Ltd8000.00-1175.94-12.82%
KR:032190Daou Data Corp16550.00-733.56-4.24%
KR:181710NHN Corporation46600.0016711.4155.91%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Oct 28, 2026