Censof Holdings Bhd (5195) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Censof Holdings Bhd stock MYR 0.30, price MYR 0.21, upside +46.3%, quality 65 out of 100. Rating: undervalued. Calculated from audited financials with 24 of our 26 valuation models and 37 quality factors, updated daily.
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Censof Holdings Bhd
5195 · KLSEThe stock costs 32% less than our calculation considers fair.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.
How to read this chart
60‑month range 0.1600 MYR – 0.4854 MYR · fair‑value band 0.1900 MYR – 0.3900 MYR · the 0.2050 MYR price screens below the 0.3000 MYR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 3, 2026.
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Company profile
Censof Holdings Berhad, an investment holding company, engages in the design, development, implementation, and marketing of financial management software in Malaysia, Singapore, and Indonesia.
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It operates through five segments: Financial Management Solutions for Government, Financial Management Solutions for Commercial, Corporate Services, Wealth Management Solutions, and Digital Technology.
The company provides corporate services and treasury functions and investments; portfolio management, fund accounting, unit registry, selling agent and online transaction.
It also offers information technology consultancy and services for system integration, cloud-based solutions, e-procurement, and e-tendering; information technology services; and engages in the business as IT and software solution consultants.
In addition, the company is involved in acting as a service provider for financial applications, electronic payments, and wealth management applications; selling of computerized accounting system; provision of enterprise resource planning software; computer consultancy, computer facilities management, and business of trading in business software and providing support services.
It serves its products to government agencies, large corporations, and small and medium enterprises (SMEs), as well as micro-SMEs. The company was formerly known as Century Software Holdings Berhad. The company was incorporated in 2008 and is based in Petaling Jaya, Malaysia.
Stock analysis
Censof Holdings Bhd (5195) currently trades at 0.2050 MYR, while our model-based Fair Value estimate is 0.3000 MYR, implying the stock looks roughly 32% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 0.3550 MYR per share, and 17 of the 24 models we run sit above the 0.2050 MYR price.
Bear case: the Asset-Based group reads lowest at 0.1100 MYR, and 7 of the 24 models stay below the price. Data coverage for this calculation is low.
Scenario range: 0.1900 MYR (bear) to 0.3900 MYR (bull), the price of 0.2050 MYR sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 65/100 (solid quality), in the Technology sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Censof Holdings Bhd reported revenue of 110M MYR in FY2026 versus 110M MYR in FY2022, a compound −0.1%/yr. Reported net income was 6.9M MYR in FY2026, compounding −21.8%/yr from FY2022.
Key figures
Market cap 113M MYR (≈ $27.9M) Micro · P/E ratio 10.3 · P/S ratio 0.65 · EPS (TTM) 0.0200 MYR · Dividend yield 2.4% · Net margin 6.3% · Return on equity 7.8% · Return on assets (EBIT) 8.7% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).
What moves the price
The share trades about 18% below its 52-week high and 28% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at 10% fair-value upside, at 46%, 5195 screens cheaper than that median.
Fair Value models
All 24 models by family
P/S and P/B multiple show the same value here: both are capped by the same earnings anchor (earnings per share times 17), because margin and return on equity do not support the sector multiple.
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
Growth Forecast
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Compare Censof Holdings Bhd with another stock
Price, fair value, quality and upside side by side.
Peer Groupⓘ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.Software - Application · 628 stocks
Valuation Multiplesvs Software - Application median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Information Technology sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Debt-to-equity by industry
- Price/FCF by industry
- PEG screener for stocks with fair value
- Valuation of the Malaysia market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Software - Application stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Adobe Inc ADBE | $239.30 | $463.72 | +94% | vs 5195 |
| Salesforce, Inc CRM | $213.65 | $342.73 | +60% | vs 5195 |
| Uber Technologies, Inc UBER | $68.59 | $101.28 | +48% | vs 5195 |
| Intuit Inc INTU | $341.50 | $459.14 | +34% | vs 5195 |
| ServiceNow, Inc NOW | $101.97 | $112.17 | +10% | vs 5195 |
| SAP SE SAP | €210.75 | €173.59 | −18% | vs 5195 |
| Cadence Design Systems, Inc CDNS | $319.92 | $225.48 | −30% | vs 5195 |
| Automatic Data Processing, Inc ADP | $303.35 | $150.40 | −50% | vs 5195 |
| Shopify Inc SHOP | $148.91 | $64.96 | −56% | vs 5195 |
| Snowflake Inc SNOW | $275.88 | $73.81 | −73% | vs 5195 |
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Key figures of Censof Holdings Bhd
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