AsiaFIN Holdings Corp. (ASFH) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of AsiaFIN Holdings Corp. stock $0.05, price $0.39, that is 87.2% below the price, quality 68 out of 100. Rating: strongly overvalued. Calculated from audited financials with 21 of our 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 4, 2026.
How to read this chart
51‑month range $0.1360 – $1.50 · fair‑value band $0.0400 – $0.0600 · the $0.3918 price screens above the $0.0500 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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AsiaFIN Holdings Corp., an investment holding company, offers system solutions in payment processing, robotic process automation, and regulatory technology to financial institutions, regulatory agencies, professional service providers, and private enterprises in Malaysia and internationally.
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The company offers payment processing solutions through a web-based payment processing system for check clearing used in central banks, financial institutions, and payment system providers; and financial statistics, credit risk exposure and analysis, risk management, FATCA and CRS, external sector, and goods and services tax (GST) reporting, robotic process automation (RPA) software solutions for financial institutions, large corporations, and small medium enterprises.
In addition, the company is involved in business system integration and management, information technology, and computer programming activities and services. AsiaFIN Holdings Corp. was incorporated in 2019 and is based in Kuala Lumpur, Malaysia.
Stock analysis
AsiaFIN Holdings Corp. (ASFH) currently trades at $0.3918, while our model-based Fair Value estimate is $0.0500, 87% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of $0.1250 per share, and 0 of the 21 models we run sit above the $0.3918 price.
Bear case: the Asset-Based group reads lowest at $0.0200, and 21 of the 21 models stay below the price. Data coverage for this calculation is low.
Scenario range: $0.0400 (bear) to $0.0600 (bull), the price of $0.3918 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 Technology sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
AsiaFIN Holdings Corp. reported revenue of $5.1M in FY2025 versus $38.0K in FY2021, a compound +240.8%/yr. Reported net income was $200K in FY2025.
Key figures
Market cap $32.1M Micro · P/E ratio 21.3 · P/S ratio 0.83 · Net margin 3.9% · Return on equity 35.6% · Return on assets (EBIT) −9.1% (5-year average) · Operating margin 27.7% · Revenue (TTM) $6.3M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 67 out of 100 (low confidence).
What moves the price
The share trades about 61% below its 52-week high and 188% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at 28% fair-value upside, at −87%, ASFH screens richer than that median.
Fair Value models
Bear$0.0400Fair Value $0.0500Bull$0.0600
Price $0.3918 · Downside -87.2%
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.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.85/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+51.6%
Revenue growth 5 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.
+209.7%
Start year 2020 (pandemic)
’20
’21
’23
’24
’25
Profit margin (trend) ⓘ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.
−468.2% (2020) → 0.0% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: rate outside our plausibility band
not computed
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
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).
+31.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +28.5% a year for the price.
News mood ⓘNews mood, the average tone of recent news (5 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Very negative
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.Information Technology Services · 479 stocks
Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score68 · Top 25%
Fair Value upside−87.2% · Bottom 25%
Profitability
Return on equity (12 months)35.6% · Top 25%
Return on assets4.2% · Above median
Net margin (12 months)13.9% · Top 25%
Operating margin (12 months)27.7% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)50.5% · Top 25%
Valuation Multiplesvs Information Technology Services 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.
Is AsiaFIN Holdings Corp. (ASFH) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of $0.0500 versus a price of $0.3918, about 87% lower (overvalued).
What is the fair value of ASFH?
Our model-based fair value for AsiaFIN Holdings Corp. is $0.0500 (as of Nov 4, 2026), built from audited fundamentals. The current price: $0.3918.
What is the quality score of ASFH?
AsiaFIN Holdings Corp. 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 AsiaFIN Holdings Corp. (ASFH)?
Our model-based price target is the fair value of $0.0500 (as of Nov 4, 2026) from 21 valuation models. Cautious scenario $0.0400, optimistic scenario $0.0600. It is a calculation from audited fundamentals, not an analyst target.
What is the AsiaFIN Holdings Corp. stock forecast for 2026?
Our models put fair value at $0.0500, about 87% lower versus a price of $0.3918 (overvalued). Cautious scenario $0.0400, optimistic scenario $0.0600. The calculation is refreshed regularly with new filings.
What is the revenue of AsiaFIN Holdings Corp. (ASFH)?
AsiaFIN Holdings Corp. reported trailing-twelve-month revenue of about $6.3M (latest available figure, as of Nov 4, 2026).
What growth is priced into AsiaFIN Holdings Corp. (ASFH)?
For today's price to be fair in a discounted-cash-flow model, AsiaFIN Holdings Corp. would have to grow free cash flow by +31.5 % per year for five years (discount rate 8.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +209.7 % per year. As of Nov 4, 2026.
What discount rate (WACC) does the fair value of ASFH use?
Our models discount AsiaFIN Holdings Corp. at 8.5 %: a base by market capitalisation (nano), damped by beta 0.35, country premium for USA. 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 AsiaFIN Holdings Corp. that is +31.5 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (8.5 %) and the same formula as our fair value.
How much growth has AsiaFIN Holdings Corp. (ASFH) delivered so far?
Over the past 5 years revenue at AsiaFIN Holdings Corp. grew +209.7 % a year. The price currently implies free-cash-flow growth of +31.5 % 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 AsiaFIN Holdings Corp. (ASFH) growing?
The median revenue growth in the sector is +7.8 % a year. That is the yardstick for the growth priced into AsiaFIN Holdings Corp. (+31.5 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of AsiaFIN Holdings Corp. (ASFH)?
The free-cash-flow yield on the price is 1.23 %: that much free cash flow AsiaFIN Holdings Corp. produces per unit of market value. When it exceeds the discount rate of our models (8.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of AsiaFIN Holdings Corp. (ASFH)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For AsiaFIN Holdings Corp. it is $0.0500 per share (as of Nov 4, 2026), against a price of $0.3918. It is the blended result of 21 valuation models in 7 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings).
Is AsiaFIN Holdings Corp. stock overvalued or undervalued in 2026?
As of Nov 4, 2026, ASFH trades above its calculated fair value: price $0.3918, fair value $0.0500, a gap of about −87% (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 ASFH?
No. The price is what the market pays today ($0.3918); the fair value is what the company's own numbers justify ($0.0500). For AsiaFIN Holdings Corp. the two are $0.3418 per share apart. That gap is exactly why we show both numbers side by side.
How much is AsiaFIN Holdings Corp. worth?
The market values AsiaFIN Holdings Corp. at about $32.1M (market capitalisation, as of Nov 4, 2026). Per share that is $0.3918; our models calculate a fair value of $0.0500 per share.
What do the bullish and bearish scenarios say about ASFH?
Our models span a range for AsiaFIN Holdings Corp.: cautious scenario $0.0400, base $0.0500, optimistic $0.0600 per share (as of Nov 4, 2026, price $0.3918). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ASFH?
AsiaFIN Holdings Corp. trades at a price-to-earnings ratio of 21.3 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $0.0500 is built from several models across several years. Other multiples: P/B 12.5, P/S 5.1, EV/EBITDA 28.6.
How solid is the balance sheet of AsiaFIN Holdings Corp. (ASFH)?
Balance-sheet figures for AsiaFIN Holdings Corp. (as of Nov 4, 2026): return on equity 35.6%. They feed the Quality Score of 68/100, which measures business quality independently of the share price.
How far is ASFH from its 52-week high?
AsiaFIN Holdings Corp. trades at $0.3918, about 61% below its 52-week high of $1.00 and 188% above the low of $0.1360 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0500 is for.
Which stocks are comparable to AsiaFIN Holdings Corp.?
From the same area (Technology) we also value International Business Machines Corporation, Accenture plc, Tata Consultancy Services Limited, Infosys Limited, 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 AsiaFIN Holdings Corp. stock attractive at the current price?
The data as of Nov 4, 2026: price $0.3918, calculated fair value $0.0500 (−87%), Quality Score 68/100, from 21 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 ASFH calculated?
We run AsiaFIN Holdings Corp. through 21 models from 7 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of $0.0500 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 13.0% above its aggregate fair value. AsiaFIN Holdings Corp. 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 AsiaFIN Holdings Corp. (ASFH)?
The closing price on Nov 6, 2026 was $0.3918. Our model-based fair value is $0.0500, about 87% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with AsiaFIN Holdings Corp. right now?
The price sits above even our optimistic bull case ($0.0600). 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 AsiaFIN Holdings Corp.
How large is the market capitalisation of AsiaFIN Holdings Corp. (ASFH)?
The market capitalisation of AsiaFIN Holdings Corp. is $32.1M. 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 AsiaFIN Holdings Corp. (ASFH)?
The price-to-sales ratio of AsiaFIN Holdings Corp. is 0.83 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of AsiaFIN Holdings Corp. (ASFH)?
The net margin of AsiaFIN Holdings Corp. is 3.9% (fiscal year 2025). 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 AsiaFIN Holdings Corp. (ASFH)?
The return on equity (ROE) of AsiaFIN Holdings Corp. is 35.6% (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 AsiaFIN Holdings Corp. (ASFH)?
On an EBIT basis the return on assets of AsiaFIN Holdings Corp. is −9.1% (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 AsiaFIN Holdings Corp. (ASFH)?
The operating margin of AsiaFIN Holdings Corp. is 27.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at AsiaFIN Holdings Corp. (ASFH)?
Revenue at AsiaFIN Holdings Corp. is growing +50.5% versus a year earlier. 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 AsiaFIN Holdings Corp. (ASFH)?
Earnings per share at AsiaFIN Holdings Corp. are growing −7.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does AsiaFIN Holdings Corp. (ASFH) hold?
AsiaFIN Holdings Corp. holds more cash than debt, $1.1M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Thin data
Nov 4, 2026