Findex (TSE:3649) Margin of Safety % (DCF FCF Based): 58.15% (As of Jul. 19, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

TSE:3649 Findex Inc TSE:3649
95 GF Score
Price 円859.00
GF Value 円931.38
Valuation Fairly Valued
! 1 Warning Sign
View Full Analysis

What is Findex Margin of Safety % (DCF FCF Based)?

Findex TSE:3649 -1.49% 95 Margin of Safety % (DCF FCF Based) is 58.15% as of Jul. 19, 2026. GuruFocus rates TSE:3649 with a GF Score™ of 95/100 and a GF Value™ of 円931.38 (Fairly Valued). The stock has 1 warning sign investors should review.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-07-19), Findex's Predictability Rank is 3-Stars. Findex's intrinsic value calculated from the Discounted FCF model is 円660.56 and current share price is 円859.00. Consequently,

Findex's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 58.15%.

TSE:3649 vs VEEV, BTSG, TEM: Margin of Safety % (DCF FCF Based) Comparison

For the Health Information Services subindustry, Findex's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Findex Margin of Safety % (DCF FCF Based) vs Healthcare Providers & Services Industry

For the Healthcare Providers & Services industry and Healthcare sector, Findex's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Findex's Margin of Safety % (DCF FCF Based) falls into.


TSE:3649
95GF Score
Findex Inc TSE:3649
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Findex Margin of Safety % (DCF FCF Based) Calculation

Findex's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(2052.52-859.00)/2052.52
=58.15 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of 58.15% mean?
Findex (TSE:3649) has a Margin of Safety % (DCF FCF Based) of 58.15% as of Jul. 19, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Findex.
Is Findex's Margin of Safety % (DCF FCF Based) too high?
Findex's current Margin of Safety % (DCF FCF Based) is 58.15%. Overall, Findex has a GF Score™ of 95/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Findex's Margin of Safety % (DCF FCF Based) compare to VEEV and BTSG?
Findex's Margin of Safety % (DCF FCF Based) of 58.15% can be compared against companies in the Healthcare Providers & Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF FCF Based) for a Healthcare Providers & Services company?
A good Margin of Safety % (DCF FCF Based) depends on the Healthcare Providers & Services industry context. However, Margin of Safety % (DCF FCF Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Findex. Findex's current Margin of Safety % (DCF FCF Based) is 58.15%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Findex stock overvalued right now?
Based on GuruFocus' analysis, Findex (TSE:3649) is currently considered Fairly Valued. The stock's GF Value™ is 円931.38, compared to a current price of 円859.00 — trading 7.8% below its estimated fair value. The current Margin of Safety % (DCF FCF Based) is 58.15%. Findex's overall GF Score™ is 95/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For Findex (TSE:3649), the current Margin of Safety % (DCF FCF Based) is 58.15% as of Jul. 19, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Findex (TSE:3649) Overvalued in 2026?

Based on GuruFocus' analysis, Findex stock appears to be undervalued. The current stock price of 円859.00 is trading 7.8% below its estimated GF Value™ of 円931.38. GuruFocus considers Findex to be Fairly Valued.

Key valuation signals for TSE:3649:

  • Margin of Safety % (DCF FCF Based): 58.15%
  • GF Value™: 円931.38 vs. price of 円859.00 (7.8% below fair value)
  • GF Score™: 95/100 with 1 warning sign

No single metric tells the full story. See the TSE:3649 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Findex Business Description

Address 1-7-2 Otemachi, Tokyo Sankei Building, 26th Floor, Chiyoda-Ku, Matsuyama, JPN, 100-0004
Findex Inc is engaged in the operation of the system development business and health tech business.
95GF Score

Get the complete analysis for TSE:3649

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円859.00
Price
円931.38
GF Value