99 Speed Mart Retail Holdings Berhad (5326) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of 99 Speed Mart Retail Holdings Berhad stock MYR 1.52, price MYR 3.08, that is 50.6% below the price, quality 68 out of 100. Rating: strongly overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
26‑month range 1.84 MYR – 4.12 MYR · fair‑value band 1.06 MYR – 1.90 MYR · the 3.08 MYR price screens above the 1.52 MYR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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99 Speed Mart Retail Holdings Berhad, an investment holding company, operates mini supermarkets in Malaysia. It offers products and services, including 99bulksales, speedpoint services, and in-store promotion and offers.
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The company also engages in the retail of consumable merchandise and other household products via mini mart; and export business. It serves households and local businesses.
The company was founded in 1987 and is headquartered in Klang, Malaysia. 99 Speed Mart Retail Holdings Berhad is a subsidiary of Lee LYG Holdings.
Stock analysis
99 Speed Mart Retail Holdings Berhad (5326) currently trades at 3.08 MYR, while our model-based Fair Value estimate is 1.52 MYR, 51% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 1.77 MYR per share, and 0 of the 26 models we run sit above the 3.08 MYR price.
Bear case: the Dividend Discount group reads lowest at 0.6000 MYR, and 26 of the 26 models stay below the price. Data coverage for this calculation is low.
Scenario range: 1.06 MYR (bear) to 1.90 MYR (bull), the price of 3.08 MYR sits above 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 68/100 (solid quality), in the Consumer Cyclical sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
99 Speed Mart Retail Holdings Berhad reported revenue of 11.4B MYR in FY2025 versus 7.8B MYR in FY2021, a compound +9.9%/yr. Reported net income was 607M MYR in FY2025, compounding +9.7%/yr from FY2021.
Key figures
Market cap 25.9B MYR (≈ $6.4B) Mid · P/E ratio 38.5 · P/S ratio 2.11 · EPS (TTM) 0.0800 MYR · Dividend yield 0.6% · Net margin 5.5% · Return on equity 38.0% · Return on assets (EBIT) 21.3% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 62 out of 100 (low confidence).
What moves the price
The share trades about 25% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at 10% fair-value upside, at −51%, 5326 screens richer than that median.
Fair Value models
Bear1.06 MYRFair Value 1.52 MYRBull1.90 MYR
Price 3.08 MYR · Downside -50.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (0.0515 MYR per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.86/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+14.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.3%
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years), in MYR (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. Measured in MYR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+18.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+17.8%
Dividend (yield on the price)0.6%
Profit margin 2021 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.8% → 7%
2025 sits 52% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+23.3%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+9.8%
Yearly sales growth analysts expect, extended to five years.
After inflation (Malaysia: IMF forecast 2.0% a year to 2030, 1.8% from 2016 to 2025) that is about +20.9% a year for the price and +7.6% for the forecasts.
AI conclusion: 99 Speed Mart's main strength lies in scaling via millions of daily low-value transactions that support steady outlet growth, while its main weak point remains the absence of any clear durable moat in a sector where competition erodes pricing power.
Main risk: Aggressive store growth by KK Super Mart together with its 24-hour operations could intensify price competition and shift neighbourhood customers away from 99 Speed Mart outlets, pressuring margins and same-store sales.
Bull case: By leveraging its centralised distribution and supplier rebate model 99 Speed Mart could further widen its cost advantage over rivals and maintain resilient volumes even amid intensifying competition.
Bear case: If competitor expansion and regulatory cost pressures coincide the company could face sustained margin compression and slower outlet growth as customers shift to lower-priced or more convenient alternatives.
99 Speed Mart builds scale through millions of daily transactions averaging just RM21 each, fueling steady outlet growth toward 4,250 stores by 2030. Our models see the shares as overvalued despite this volume-driven model and resilient staples demand. Will the compounding effect of high transaction counts and expansion sustain premium multiples, or will efficiency gains fall short of current expectations?
Compare 99 Speed Mart Retail Holdings Berhad with another stock
Price, fair value, quality and upside side by side.
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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.Department Stores · 107 stocks
Beats the industry median on 6/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score68 · Top 25%
Fair Value upside−50.6% · Bottom 25%
Profitability
Return on equity (12 months)38.0% · Top 25%
Return on assets14.9% · Top 25%
Net margin (12 months)5.5% · Above median
Operating margin (12 months)7.5% · Above median
Growth and dividend
Revenue growth (quarter YoY)13.6% · Top 25%
Dividend yield (12 months)0.6% · Bottom 25%
Valuation Multiplesvs Department Stores median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "99 Speed Mart Retail Holdings Berhad Fair Value". https://www.fairvalue-calculator.com/stock/5326
Frequently asked questions
Is 99 Speed Mart Retail Holdings Berhad (5326) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of 1.52 MYR versus a price of 3.08 MYR, about 51% lower (overvalued).
What is the fair value of 5326?
Our model-based fair value for 99 Speed Mart Retail Holdings Berhad is 1.52 MYR (as of Nov 8, 2026), built from audited fundamentals. The current price: 3.08 MYR.
What is the quality score of 5326?
99 Speed Mart Retail Holdings Berhad has a Quality Score of 68/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for 99 Speed Mart Retail Holdings Berhad (5326)?
Our model-based price target is the fair value of 1.52 MYR (as of Nov 8, 2026) from 26 valuation models. Cautious scenario 1.06 MYR, optimistic scenario 1.90 MYR. It is a calculation from audited fundamentals, not an analyst target.
What is the 99 Speed Mart Retail Holdings Berhad stock forecast for 2026?
Our models put fair value at 1.52 MYR, about 51% lower versus a price of 3.08 MYR (overvalued). Cautious scenario 1.06 MYR, optimistic scenario 1.90 MYR. The calculation is refreshed regularly with new filings.
What is the revenue of 99 Speed Mart Retail Holdings Berhad (5326)?
99 Speed Mart Retail Holdings Berhad reported trailing-twelve-month revenue of about 12.3B MYR (latest available figure, as of Nov 8, 2026).
Does 99 Speed Mart Retail Holdings Berhad pay a dividend?
99 Speed Mart Retail Holdings Berhad currently shows a dividend yield of 0.65% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of 99 Speed Mart Retail Holdings Berhad (5326) and when is the ex-dividend date?
99 Speed Mart Retail Holdings Berhad pays a dividend of 0.02 MYR per share a year, a dividend yield of 0.6%. The last ex-dividend date was Jun 4, 2026. The payout ratio is 25.0% of earnings. Free cash flow covers the dividend 4.35 times. Our assessment: Well covered. A low payout and the dividend is fully funded by free cash flow, a comfortable, sustainable dividend.
What growth is priced into 99 Speed Mart Retail Holdings Berhad (5326)?
For today's price to be fair in a discounted-cash-flow model, 99 Speed Mart Retail Holdings Berhad would have to grow free cash flow by +23.3 % per year for five years (discount rate 11.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 4 years revenue grew +9.9 % per year. As of Nov 8, 2026.
What discount rate (WACC) does the fair value of 5326 use?
Our models discount 99 Speed Mart Retail Holdings Berhad at 11.1 %: a base by market capitalisation (mid), country premium for Malaysia. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For 99 Speed Mart Retail Holdings Berhad that is +23.3 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (11.1 %) and the same formula as our fair value.
How much growth has 99 Speed Mart Retail Holdings Berhad (5326) delivered so far?
Over the past 4 years revenue at 99 Speed Mart Retail Holdings Berhad grew +9.9 % a year. The price currently implies free-cash-flow growth of +23.3 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of 99 Speed Mart Retail Holdings Berhad (5326) growing?
The median revenue growth in the sector is +8.6 % a year. That is the yardstick for the growth priced into 99 Speed Mart Retail Holdings Berhad (+23.3 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of 99 Speed Mart Retail Holdings Berhad (5326)?
The free-cash-flow yield on the price is 2.82 %: that much free cash flow 99 Speed Mart Retail Holdings Berhad produces per unit of market value. When it exceeds the discount rate of our models (11.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of 99 Speed Mart Retail Holdings Berhad (5326)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For 99 Speed Mart Retail Holdings Berhad it is 1.52 MYR per share (as of Nov 8, 2026), against a price of 3.08 MYR. It is the blended result of 26 valuation models in 8 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings).
Is 99 Speed Mart Retail Holdings Berhad stock overvalued or undervalued in 2026?
As of Nov 8, 2026, 5326 trades above its calculated fair value: price 3.08 MYR, fair value 1.52 MYR, a gap of about −51% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 5326?
No. The price is what the market pays today (3.08 MYR); the fair value is what the company's own numbers justify (1.52 MYR). For 99 Speed Mart Retail Holdings Berhad the two are 1.56 MYR per share apart. That gap is exactly why we show both numbers side by side.
How much is 99 Speed Mart Retail Holdings Berhad worth?
The market values 99 Speed Mart Retail Holdings Berhad at about 25.9B MYR (market capitalisation, as of Nov 8, 2026). Per share that is 3.08 MYR; our models calculate a fair value of 1.52 MYR per share.
What do the bullish and bearish scenarios say about 5326?
Our models span a range for 99 Speed Mart Retail Holdings Berhad: cautious scenario 1.06 MYR, base 1.52 MYR, optimistic 1.90 MYR per share (as of Nov 8, 2026, price 3.08 MYR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 5326?
99 Speed Mart Retail Holdings Berhad trades at a price-to-earnings ratio of 38.5 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 1.52 MYR is built from several models across several years. Other multiples: PEG 2.1, P/B 14.3, P/S 2.1, EV/EBITDA 25.9.
What is the PEG ratio of 5326?
The PEG ratio of 99 Speed Mart Retail Holdings Berhad is 2.09 (P/E divided by earnings growth, as of Nov 8, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of 99 Speed Mart Retail Holdings Berhad (5326)?
Balance-sheet figures for 99 Speed Mart Retail Holdings Berhad (as of Nov 8, 2026): return on equity 38.0%. They feed the Quality Score of 68/100, which measures business quality independently of the share price.
How far is 5326 from its 52-week high?
99 Speed Mart Retail Holdings Berhad trades at 3.08 MYR, about 25% below its 52-week high of 4.12 MYR and 3% above the low of 3.00 MYR (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 1.52 MYR is for.
Which stocks are comparable to 99 Speed Mart Retail Holdings Berhad?
From the same area (Consumer Cyclical) we also value Falabella S.A, Dillard's, Inc, Macy's, Inc, Central Retail Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is 99 Speed Mart Retail Holdings Berhad stock attractive at the current price?
The data as of Nov 8, 2026: price 3.08 MYR, calculated fair value 1.52 MYR (−51%), Quality Score 68/100, from 26 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 5326 calculated?
We run 99 Speed Mart Retail Holdings Berhad through 26 models from 8 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of 1.52 MYR builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. 99 Speed Mart Retail Holdings Berhad itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of 99 Speed Mart Retail Holdings Berhad (5326)?
The closing price on Nov 6, 2026 was 3.08 MYR. Our model-based fair value is 1.52 MYR, about 51% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with 99 Speed Mart Retail Holdings Berhad right now?
The price sits above even our optimistic bull case (1.90 MYR). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (68/100) and above fair value, neither a clear bargain nor a standout compounder.
Key figures of 99 Speed Mart Retail Holdings Berhad
How large is the market capitalisation of 99 Speed Mart Retail Holdings Berhad (5326)?
The market capitalisation of 99 Speed Mart Retail Holdings Berhad is 25.9B MYR (≈ $6.4B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of 99 Speed Mart Retail Holdings Berhad (5326)?
The price-to-sales ratio of 99 Speed Mart Retail Holdings Berhad is 2.11 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of 99 Speed Mart Retail Holdings Berhad (5326)?
Earnings per share at 99 Speed Mart Retail Holdings Berhad are 0.0800 MYR (price ÷ EPS = P/E 38.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of 99 Speed Mart Retail Holdings Berhad (5326)?
The dividend yield of 99 Speed Mart Retail Holdings Berhad is 0.6% (payout 25.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of 99 Speed Mart Retail Holdings Berhad (5326)?
The net margin of 99 Speed Mart Retail Holdings Berhad is 5.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of 99 Speed Mart Retail Holdings Berhad (5326)?
The return on equity (ROE) of 99 Speed Mart Retail Holdings Berhad is 38.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of 99 Speed Mart Retail Holdings Berhad (5326)?
On an EBIT basis the return on assets of 99 Speed Mart Retail Holdings Berhad is 21.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of 99 Speed Mart Retail Holdings Berhad (5326)?
The operating margin of 99 Speed Mart Retail Holdings Berhad is 7.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at 99 Speed Mart Retail Holdings Berhad (5326)?
Revenue at 99 Speed Mart Retail Holdings Berhad is growing +13.6% versus a year earlier (3y avg +12.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at 99 Speed Mart Retail Holdings Berhad (5326)?
Earnings per share at 99 Speed Mart Retail Holdings Berhad are growing +13.4% versus a year earlier. How much earnings per share grew versus a year earlier.
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Thin data
Nov 8, 2026