Evergreen Max Cash Capital Berhad (0286) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Evergreen Max Cash Capital Berhad MYR 0.39, price MYR 0.36, upside +9.9%, quality 47 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
36‑month range 0.2700 MYR – 0.5303 MYR · fair‑value band 0.2000 MYR – 0.5300 MYR · the 0.3550 MYR price screens below the 0.3900 MYR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Evergreen Max Cash Capital Berhad, an investment holding company, engages in the provision of pawnbroking services in Malaysia. The company operates through Pawnbroking Services; Tawarruq products; Gold and Luxury Product Retail and Trading; and Others segments.
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Evergreen Max Cash Capital Berhad, an investment holding company, engages in the provision of pawnbroking services in Malaysia. The company operates through Pawnbroking Services; Tawarruq products; Gold and Luxury Product Retail and Trading; and Others segments. It is also involved in the sale of jewellery and gold products; pawnbroking consultancy, and IT solutions and management; and Islamic financing and related businesses. The company was founded in 2012 and is headquartered in Kuala Lumpur, Malaysia. Evergreen Max Cash Capital Berhad operates as a subsidiary of Tirai Anggerik Sdn Bhd.
Stock analysis
Evergreen Max Cash Capital Berhad (0286) currently trades at 0.3550 MYR, while our model-based Fair Value estimate is 0.3900 MYR, implying the stock looks roughly 9.0% fairly valued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of 1.14 MYR per share, and 4 of the 9 models we run sit above the 0.3550 MYR price.
Bear case: the Asset-Based group reads lowest at 0.1600 MYR, and 5 of the 9 models stay below the price. Evidence for this calculation is low.
Scenario range: 0.2000 MYR (bear) to 0.5300 MYR (bull), the price of 0.3550 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 47/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Evergreen Max Cash Capital Berhad reported revenue of 215M MYR in FY2025 versus 60.9M MYR in FY2021, a compound +37.0%/yr. Reported net income was 36.7M MYR in FY2025, compounding +32.4%/yr from FY2021.
Key figures
Market cap 398M MYR (≈ $97.6M) · P/E ratio 8.9 · P/S ratio 1.52 · EPS (TTM) 0.0400 MYR · Dividend yield 2.0% · Net margin 17.1% · Return on equity 16.7% · Return on assets (EBIT) 9.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 16% below its 52-week high and 18% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 10%, 0286 screens cheaper than that median.
Fair Value models
Bear 0.2000 MYRFair Value 0.3900 MYRBull 0.5300 MYR
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then (0.0325 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.Evidence ⓘEvidence = 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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+75.4%
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.
+47.3%
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.
+54.4%
Start year 2020 (pandemic)
’20
’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.
+38.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+36.7%
Dividend (yield on the price)2.0%
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.36% → 27%
2025 sits 82% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
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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.Credit Services · 331 stocks
Beats the industry median on 9/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score47 · Below median
Fair Value upside+10% · Below median
Profitability
Return on equity (TTM)17% · Top 25%
Return on assets8% · Top 25%
Net margin (TTM)18% · Below median
Operating margin (TTM)35% · Above median
Growth and dividend
Revenue growth47% · Top 25%
Dividend yield (TTM)2.0% · Below median
Balance sheet
Debt / equity0.21× · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Evergreen Max Cash Capital Berhad Fair Value". https://www.fairvalue-calculator.com/stock/0286
Frequently asked questions
Is Evergreen Max Cash Capital Berhad (0286) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 0.3900 MYR versus a price of 0.3550 MYR, about +10% upside (fairly valued).
What is the fair value of 0286?
Our model-based fair value for Evergreen Max Cash Capital Berhad is 0.3900 MYR (as of Sep 24, 2026), built from audited fundamentals. The current price: 0.3550 MYR.
What is the quality score of 0286?
Evergreen Max Cash Capital Berhad has a Quality Score of 47/100. 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 Evergreen Max Cash Capital Berhad (0286)?
Our model-based price target is the fair value of 0.3900 MYR (as of Sep 24, 2026) from 9 valuation models. Cautious scenario 0.2000 MYR, optimistic scenario 0.5300 MYR. It is a calculation from audited fundamentals, not an analyst target.
What is the Evergreen Max Cash Capital Berhad stock forecast for 2026?
Our models put fair value at 0.3900 MYR, about +10% upside versus a price of 0.3550 MYR (fairly valued). Cautious scenario 0.2000 MYR, optimistic scenario 0.5300 MYR. The calculation is refreshed regularly with new filings.
What is the revenue of Evergreen Max Cash Capital Berhad (0286)?
Evergreen Max Cash Capital Berhad reported trailing-twelve-month revenue of about 236M MYR (latest available figure, as of Sep 24, 2026).
Does Evergreen Max Cash Capital Berhad pay a dividend?
Evergreen Max Cash Capital Berhad currently shows a dividend yield of about 1.97% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Evergreen Max Cash Capital Berhad (0286)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Evergreen Max Cash Capital Berhad it is 0.3900 MYR per share (as of Sep 24, 2026), against a price of 0.3550 MYR. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Evergreen Max Cash Capital Berhad stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 0286 trades below its calculated fair value: price 0.3550 MYR, fair value 0.3900 MYR, a gap of about +10% (fairly valued). 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 0286?
No. The price is what the market pays today (0.3550 MYR); the fair value is what the company's own numbers justify (0.3900 MYR). For Evergreen Max Cash Capital Berhad the two are 0.0350 MYR per share apart. That gap is exactly why we show both numbers side by side.
How much is Evergreen Max Cash Capital Berhad worth?
The market values Evergreen Max Cash Capital Berhad at about 398M MYR (market capitalisation, as of Sep 24, 2026). Per share that is 0.3550 MYR; our models calculate a fair value of 0.3900 MYR per share.
What do the bullish and bearish scenarios say about 0286?
Our models span a range for Evergreen Max Cash Capital Berhad: cautious scenario 0.2000 MYR, base 0.3900 MYR, optimistic 0.5300 MYR per share (as of Sep 24, 2026, price 0.3550 MYR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 0286?
Evergreen Max Cash Capital Berhad trades at a price-to-earnings ratio of 8.9 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 0.3900 MYR is built from several models across several years. Other multiples: P/B 0.4, P/S 0.4, EV/EBITDA 1.5.
How solid is the balance sheet of Evergreen Max Cash Capital Berhad (0286)?
Balance-sheet figures for Evergreen Max Cash Capital Berhad (as of Sep 24, 2026): return on equity 16.7%, debt of 0.21 per unit of equity. They feed the Quality Score of 47/100, which measures business quality independently of the share price.
How far is 0286 from its 52-week high?
Evergreen Max Cash Capital Berhad trades at 0.3550 MYR, about 16% below its 52-week high of 0.4204 MYR and 18% above the low of 0.3000 MYR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 0.3900 MYR is for.
Which stocks are comparable to Evergreen Max Cash Capital Berhad?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial 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 Evergreen Max Cash Capital Berhad stock attractive at the current price?
The data as of Sep 24, 2026: price 0.3550 MYR, calculated fair value 0.3900 MYR (+10%), Quality Score 47/100, from 9 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 0286 calculated?
We run Evergreen Max Cash Capital Berhad through 9 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 0.3900 MYR, 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. Evergreen Max Cash Capital Berhad currently trades 10 % 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 Evergreen Max Cash Capital Berhad (0286)?
The closing price on Sep 24, 2026 was 0.3550 MYR. Our model-based fair value is 0.3900 MYR, about +10% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Evergreen Max Cash Capital Berhad right now?
The model range is unusually wide (0.2000 MYR to 0.5300 MYR). The outcome hinges heavily on assumptions, so read the point estimate with caution. The price sits close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 Evergreen Max Cash Capital Berhad
How large is the market capitalisation of Evergreen Max Cash Capital Berhad (0286)?
The market capitalisation of Evergreen Max Cash Capital Berhad is 398M MYR (≈ $97.6M). 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 Evergreen Max Cash Capital Berhad (0286)?
The price-to-sales ratio of Evergreen Max Cash Capital Berhad is 1.52 (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 Evergreen Max Cash Capital Berhad (0286)?
Earnings per share at Evergreen Max Cash Capital Berhad are 0.0400 MYR (price ÷ EPS = P/E 8.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Evergreen Max Cash Capital Berhad (0286)?
The dividend yield of Evergreen Max Cash Capital Berhad is 2.0% (payout 17.5%). 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 Evergreen Max Cash Capital Berhad (0286)?
The net margin of Evergreen Max Cash Capital Berhad is 17.1% (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 Evergreen Max Cash Capital Berhad (0286)?
The return on equity (ROE) of Evergreen Max Cash Capital Berhad is 16.7% (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 Evergreen Max Cash Capital Berhad (0286)?
On an EBIT basis the return on assets of Evergreen Max Cash Capital Berhad 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 Evergreen Max Cash Capital Berhad (0286)?
The operating margin of Evergreen Max Cash Capital Berhad is 35.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Evergreen Max Cash Capital Berhad (0286)?
Revenue at Evergreen Max Cash Capital Berhad is growing +47.3% versus a year earlier (3y avg +47.3%). 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 Evergreen Max Cash Capital Berhad (0286)?
Earnings per share at Evergreen Max Cash Capital Berhad are growing +94.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Evergreen Max Cash Capital Berhad (0286) generate?
The free cash flow of Evergreen Max Cash Capital Berhad is −167M MYR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Evergreen Max Cash Capital Berhad (0286) carry?
The net debt of Evergreen Max Cash Capital Berhad is 245M MYR (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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