LT Group Inc (LTG) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of LT Group Inc stock PHP 20.89, price PHP 15.42, upside +35.5%, quality 49 out of 100. Rating: undervalued. Calculated from audited financials with 6 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 6, 2026.
How to read this chart
60‑month range 4.54 PHP – 15.56 PHP · fair‑value band 19.08 PHP – 24.51 PHP · the 15.42 PHP price screens below the 20.89 PHP fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
Follow LT Group in your weekly email
Every Wednesday you see whether LT Group is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
LT Group Inc (LTG) currently trades at 15.42 PHP, while our model-based Fair Value estimate is 20.89 PHP, implying the stock looks roughly 26% undervalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of 34.77 PHP per share, and 4 of the 6 models we run sit above the 15.42 PHP price.
Bear case: the Dividend Discount group reads lowest at 12.96 PHP, and 2 of the 6 models stay below the price. Data coverage for this calculation is low.
Scenario range: 19.08 PHP (bear) to 24.51 PHP (bull), the price of 15.42 PHP sits below 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 49/100 (below-average quality), in the Financials sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
LT Group Inc reported revenue of 133B PHP in FY2025 versus 91.2B PHP in FY2021, a compound +9.9%/yr. Reported net income was 31.0B PHP in FY2025, compounding +11.2%/yr from FY2021.
Key figures
Market cap 167B PHP (≈ $2.6B) Mid · P/E ratio 3.9 · P/S ratio 0.92 · EPS (TTM) 2.21 PHP · Dividend yield 14.4% · Net margin 23.3% · Return on assets (EBIT) 2.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 63 out of 100 (low confidence).
What moves the price
The share trades about 1% below its 52-week high and 19% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financials peers we cover trades at −23% fair-value upside, at 35%, LTG screens cheaper than that median.
Fair Value models
Bear19.08 PHPFair Value 20.89 PHPBull24.51 PHP
Price 15.42 PHP · Upside +35.5%
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 (1.89 PHP 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.42/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+3.0%
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.
+9.6%
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.
+7.1%
Start year 2020 (pandemic). Over 10 years: +9.9% a year
Revenue growth 10 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.
+9.9%
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years), in PHP ⓘ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. Measured in PHP: 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.
+22.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+8.1%
Dividend (yield on the price)14.4%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.8.1% vs 12.7%, slowing
Profit margin 2020 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.2% → 33%
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Banking Services” was too small, so the broader sector is used.)Financials · 2821 stocks
Beats the sector median on 5/9 measures
A mixed picture versus its sector peers.
Valuation
Quality Score49 · Below median
Fair Value upside+35.5% · Above median
Profitability
Return on assets2.1% · Above median
Net margin (12 months)23.3% · Below median
Operating margin (12 months)0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)0.0% · Below median
Dividend yield (12 months)14.4% · Top 25%
Balance sheet
Debt / equity0.15× · Below median
Valuation Multiplesvs Financials median · lower = cheaper
P/E (12 months)3.9× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)81· sector 22
FUTURE (revenue growth)0· sector 46
PAST (return on equity)0· sector 42
HEALTH (low debt)–
DIVIDEND (yield)100· sector 57
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
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). "LT Group Inc Fair Value". https://www.fairvalue-calculator.com/stock/LTG
Frequently asked questions
Is LT Group Inc (LTG) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of 20.89 PHP versus a price of 15.42 PHP, about +35% upside (undervalued).
What is the fair value of LTG?
Our model-based fair value for LT Group Inc is 20.89 PHP (as of Nov 6, 2026), built from audited fundamentals. The current price: 15.42 PHP.
What is the quality score of LTG?
LT Group Inc has a Quality Score of 49/100. 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 LT Group Inc (LTG)?
Our model-based price target is the fair value of 20.89 PHP (as of Nov 6, 2026) from 6 valuation models. Cautious scenario 19.08 PHP, optimistic scenario 24.51 PHP. It is a calculation from audited fundamentals, not an analyst target.
What is the LT Group Inc stock forecast for 2026?
Our models put fair value at 20.89 PHP, about +35% upside versus a price of 15.42 PHP (undervalued). Cautious scenario 19.08 PHP, optimistic scenario 24.51 PHP. The calculation is refreshed regularly with new filings.
Does LT Group Inc pay a dividend?
LT Group Inc currently shows a dividend yield of 14.37% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of LT Group Inc (LTG)?
LT Group Inc has a dividend yield of 14.4%.
What is the intrinsic value of LT Group Inc (LTG)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For LT Group Inc it is 20.89 PHP per share (as of Nov 6, 2026), against a price of 15.42 PHP. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is LT Group Inc stock overvalued or undervalued in 2026?
As of Nov 6, 2026, LTG trades below its calculated fair value: price 15.42 PHP, fair value 20.89 PHP, a gap of about +35% (undervalued). 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 LTG?
No. The price is what the market pays today (15.42 PHP); the fair value is what the company's own numbers justify (20.89 PHP). For LT Group Inc the two are 5.47 PHP per share apart. That gap is exactly why we show both numbers side by side.
How much is LT Group Inc worth?
The market values LT Group Inc at about 167B PHP (market capitalisation, as of Nov 6, 2026). Per share that is 15.42 PHP; our models calculate a fair value of 20.89 PHP per share.
What do the bullish and bearish scenarios say about LTG?
Our models span a range for LT Group Inc: cautious scenario 19.08 PHP, base 20.89 PHP, optimistic 24.51 PHP per share (as of Nov 6, 2026, price 15.42 PHP). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LTG?
LT Group Inc trades at a price-to-earnings ratio of 3.9 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 20.89 PHP is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 5.5.
How solid is the balance sheet of LT Group Inc (LTG)?
Balance-sheet figures for LT Group Inc (as of Nov 6, 2026): debt of 0.15 per unit of equity. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is LTG from its 52-week high?
LT Group Inc trades at 15.42 PHP, about 1% below its 52-week high of 15.56 PHP and 19% above the low of 12.95 PHP (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 20.89 PHP is for.
Which stocks are comparable to LT Group Inc?
From the same area (Financials) we also value Han Kook Capital.Co., Ltd, KIFS, ACME, 539016, 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 LT Group Inc stock attractive at the current price?
The data as of Nov 6, 2026: price 15.42 PHP, calculated fair value 20.89 PHP (+35%), Quality Score 49/100, from 6 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 LTG calculated?
We run LT Group Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 20.89 PHP 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. LT Group Inc currently trades 26% below its own fair value, and the market average says nothing about that. 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 LT Group Inc (LTG)?
The closing price on Nov 6, 2026 was 15.42 PHP. Our model-based fair value is 20.89 PHP, about +35% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with LT Group Inc right now?
The large discount to fair value meets weak quality (49/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (19.08 PHP). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of LT Group Inc
How large is the market capitalisation of LT Group Inc (LTG)?
The market capitalisation of LT Group Inc is 167B PHP (≈ $2.6B). 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 LT Group Inc (LTG)?
The price-to-sales ratio of LT Group Inc is 0.92 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of LT Group Inc (LTG)?
Earnings per share at LT Group Inc are 2.21 PHP (price ÷ EPS = P/E 3.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of LT Group Inc (LTG)?
The dividend yield of LT Group Inc is 14.4% (payout 100%). 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 LT Group Inc (LTG)?
The net margin of LT Group Inc is 23.3% (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 EBIT return on assets of LT Group Inc (LTG)?
On an EBIT basis the return on assets of LT Group Inc is 2.1% (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.
Free · no account needed
Watch LT Group Inc in the live analysis
One click puts LT Group Inc on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
