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STOCK COMPARISON

Jollibee Foods vs Pacificonline Systems: Fair Value & Quality

Both stocks run through our valuation models. Here is how Jollibee Foods (JFC) and Pacificonline Systems (LOTO) compare, as of Sep 25, 2026.

As of Sep 25, 2026, Fair Value Calculator sees Jollibee Foods as the more attractively valued of the two: Jollibee Foods trades at PHP 141 versus a fair value of PHP 214 (+52%), while Pacificonline Systems trades at PHP 1.55 versus PHP 1.15 (-26%).
Jollibee Foods
JFC.PSE · PHP · Consumer Discretionary
+52%
upside to fair value
undervalued
PricePHP 141
Fair ValuePHP 214
Quality62/100
Pacificonline Systems
LOTO.PSE · PHP · Consumer Discretionary
-26%
upside to fair value
overvalued
PricePHP 1.55
Fair ValuePHP 1.15
Quality74/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

Jollibee FoodsPacificonline Systems
Valuation
49.4×P/E (TTM)244.1×
+52.0%Fair value upside−25.8%
n/aDividend yield4.9%
Profitability
0%Operating margin0%
0%Return on assets0%
Growth
0%Revenue growth (YoY)0%
12.9%Avg. growth/yr (3Y)0.3%
18.7%Avg. growth/yr (5Y)11.9%
+11.3%Value creation/yr−7.9%
Balance & size
0.87×Debt / equityn/a
$3BMarket cap$27M
healthyGrowth qualitymixed

Jollibee Foods leads: 6 to 0 metric wins.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Jollibee Foodsof which business quality 58 · market factors 27 Pacificonline Systemsof which business quality 72 · market factors 10
ProfitabilityMargins and returns on capital today
47
38
Quality GrowthAre margins and returns improving?
58
32
CashflowEarnings quality: real cash, not paper profit
62
99
Fin. StrengthBalance sheet, leverage, solvency risk
36
86
InvestmentDisciplined investing over empire-building
83
96
Low VolatilityCalm price path (market factor)
49
0
MomentumPrice trend over the last 3–12 months (market factor)
22
21
52W MomentumDistance to the 52-week high (market factor)
8
2
Net IssuanceShare count: buybacks or dilution?
81
82

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyJollibee FoodsPrice PHP 141Pacificonline SystemsPrice PHP 1.55
DCF Models+136%above the pricePHP 332+65%above the pricePHP 2.56
Earnings-Based+3%close to the pricePHP 145-77%below the pricePHP 0.35
Dividend Discountn/a-48%below the pricePHP 0.80
Multiples+65%above the pricePHP 232-50%below the pricePHP 0.77
Asset-Based-64%below the pricePHP 50.64-62%below the pricePHP 0.59
Growth DCF+161%above the pricePHP 367+173%above the pricePHP 4.23
Economic Profit+8%close to the pricePHP 152-69%below the pricePHP 0.49
Growth Earnings+51%above the pricePHP 213-42%below the pricePHP 0.90
Minimum-64%below the pricePHP 50.64-77%below the pricePHP 0.35
Maximum+161%above the pricePHP 367+173%above the pricePHP 4.23
Median+51%above the pricePHP 213-49%below the pricePHP 0.79
Geometric mean+30%above the pricePHP 183-39%below the pricePHP 0.94

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Jollibee Foods: 4 of 24 models see the stock below the current price.

Pacificonline Systems: 13 of 23 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Jollibee Foods
Price PHP 141
Fair Value PHP 214
Bear PHP 145Bull PHP 286
Pacificonline Systems
Price PHP 1.55
Fair Value PHP 1.15
Bear PHP 0.86Bull PHP 1.43

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Jollibee Foods · Consumer Discretionary

Quality score62 · Top 25%
Fair value upside+52% · above median

Pacificonline Systems · Consumer Discretionary

Quality score74 · Top 25%
Fair value upside-26% · below median

Bottom line

As of Sep 25, 2026, Fair Value Calculator sees Jollibee Foods as the more attractively valued of the two: Jollibee Foods trades at PHP 141 versus a fair value of PHP 214 (+52%), while Pacificonline Systems trades at PHP 1.55 versus PHP 1.15 (-26%).

Pacificonline Systems has the higher quality score (74/100).

Open Jollibee Foods live analysis →

More comparisons

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.