SSF Home Group Berhad (0287) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of SSF Home Group Berhad MYR 0.23, price MYR 0.36, upside -36.1%, quality 68 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
35‑month range 0.2153 MYR – 0.4200 MYR · fair‑value band 0.1600 MYR – 0.2900 MYR · the 0.3600 MYR price screens above the 0.2300 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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SSF Home Group Berhad, an investment holding company, engages in the retail of furniture, home décor, and home living products in Malaysia.
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SSF Home Group Berhad, an investment holding company, engages in the retail of furniture, home décor, and home living products in Malaysia. It offers furniture, including armchair, swivel chair, rocking chair, cabinet and rack, chair, recliner, shelves, sofa, stool, bench and ottoman, table and desk, and dining set; bed frame, mattress, bedding set, pillow and bolster, cushion, quilt, duvet, and blanket; artificial flower, plants, trees, vases, and planters; and home decoration, such as candle, home fragrance, mirror, artificial fruit, table calendar, vase and porcelain, photo frame, mini fountain, tissue box, tray and basket, sculpture and statue, bookend storage, and mini chest and box. The company also provides storage and organizer, waste bin, laundry, hardware, cleaning tools, and umbrella stand; kitchen ware, such as food storage, serveware, drinkware, cutlery and utensil, kitchen linen, serving cart, and dishwashing; bathroom organizer, linen, and personal care products; rug and mat; curtain and accessories; lighting; clocks; wall arts; electrical; toys; and luggage and bags, which include duffel, tote, and hand bag, as well as backpacks. In addition, it engages in the licensing and trademark management business. The company offers its products through its retail outlets and an e-commerce website. The company was founded in 1989 and is headquartered in Shah Alam, Malaysia.
Stock analysis
SSF Home Group Berhad (0287) currently trades at 0.3600 MYR, while our model-based Fair Value estimate is 0.2300 MYR, implying the stock looks roughly 56.5% overvalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 0.3800 MYR per share, and 6 of the 14 models we run sit above the 0.3600 MYR price.
Bear case: the Asset-Based group reads lowest at 0.1400 MYR, and 8 of the 14 models stay below the price. Evidence for this calculation is low.
Scenario range: 0.1600 MYR (bear) to 0.2900 MYR (bull), the price of 0.3600 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.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
SSF Home Group Berhad reported revenue of 168M MYR in FY2026 versus 161M MYR in FY2022, a compound +1.0%/yr. Reported net income was 9.2M MYR in FY2026, compounding −13.8%/yr from FY2022.
Key figures
Market cap 288M MYR (≈ $70.6M) · P/E ratio 36.0 · P/S ratio 1.97 · EPS (TTM) 0.0100 MYR · Dividend yield 1.3% · Net margin 5.5% · Return on equity 5.5% · Return on assets (EBIT) 7.5%.
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 14% below its 52-week high and 6% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at 4% fair-value upside, at −36%, 0287 screens richer than that median.
Fair Value models
Bear 0.1600 MYRFair Value 0.2300 MYRBull 0.2900 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 2026 figures (about 5 months old). Earnings retained since then (0.0041 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.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+9.9%
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.
−1.4%
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.
−4.2%
Start year 2021 (pandemic)
Revenue growth 6 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.
+4.4%
’20
’21
’22
’23
’24
’25
’26
What shareholders gained per year (last 5 years), in MYR ⓘ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 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.
−9.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−11.2%
Dividend (yield on the price)1.3%
Profit margin 2021 to 2026 ⓘ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.20% → 8%
Growth Forecast
A lot of optimism in the price
The price assumes more 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).
+4.8%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Malaysia: IMF forecast 2.0% a year to 2030, 1.8% from 2016 to 2025) that is about +2.8% a year for the price.
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.Specialty Retail · 230 stocks
Beats the industry median on 9/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score67 · Top 25%
Fair Value upside−37% · Bottom 25%
Profitability
Return on equity (TTM)5% · Below median
Return on assets4% · Above median
Net margin (TTM)5% · Above median
Operating margin (TTM)18% · Top 25%
Growth and dividend
Revenue growth15% · Top 25%
Dividend yield (TTM)1.3% · Bottom 25%
Valuation Multiplesvs Specialty Retail median · lower = cheaper
P/E (TTM)36.0× · Priciest 25%
P/B0.42× · Cheapest 25%
P/S (TTM)0.43× · Cheaper than median
P/FCF2.5× · Cheaper than median
EV/EBITDA3.0× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 45
FUTURE (revenue growth)75· sector 25
PAST (return on equity)22· sector 27
HEALTH (low debt)0· sector 94
DIVIDEND (yield)26· sector 63
VALUE 0: the price sits above our fair-value range.
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). "SSF Home Group Berhad Fair Value". https://www.fairvalue-calculator.com/stock/0287
Frequently asked questions
Is SSF Home Group Berhad (0287) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 0.2300 MYR versus a price of 0.3600 MYR, about −36% upside (overvalued).
What is the fair value of 0287?
Our model-based fair value for SSF Home Group Berhad is 0.2300 MYR (as of Sep 24, 2026), built from audited fundamentals. The current price: 0.3600 MYR.
What is the quality score of 0287?
SSF Home Group 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 SSF Home Group Berhad (0287)?
Our model-based price target is the fair value of 0.2300 MYR (as of Sep 24, 2026) from 14 valuation models. Cautious scenario 0.1600 MYR, optimistic scenario 0.2900 MYR. It is a calculation from audited fundamentals, not an analyst target.
What is the SSF Home Group Berhad stock forecast for 2026?
Our models put fair value at 0.2300 MYR, about −36% upside versus a price of 0.3600 MYR (overvalued). Cautious scenario 0.1600 MYR, optimistic scenario 0.2900 MYR. The calculation is refreshed regularly with new filings.
What is the revenue of SSF Home Group Berhad (0287)?
SSF Home Group Berhad reported trailing-twelve-month revenue of about 168M MYR (latest available figure, as of Sep 24, 2026).
Does SSF Home Group Berhad pay a dividend?
SSF Home Group Berhad currently shows a dividend yield of about 1.30% relative to its recent price (as of Sep 24, 2026).
What growth is priced into SSF Home Group Berhad (0287)?
For today's price to be fair in a discounted-cash-flow model, SSF Home Group Berhad would have to grow free cash flow by +4.8 % per year for five years (discount rate 14.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -4.2 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 0287 use?
Our models discount SSF Home Group Berhad at 14.1 %: a base by market capitalisation (micro), 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 SSF Home Group Berhad that is +4.8 % per year a year over ten years, using the same discount rate (14.1 %) and the same formula as our fair value.
How much growth has SSF Home Group Berhad (0287) delivered so far?
Over the past 5 years revenue at SSF Home Group Berhad grew -4.2 % a year. The price currently implies +4.8 % per year free-cash-flow growth a 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 SSF Home Group Berhad (0287) growing?
The median revenue growth in the sector is +6.4 % a year. That is the yardstick for the growth priced into SSF Home Group Berhad (+4.8 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of SSF Home Group Berhad (0287)?
The free-cash-flow yield on the price is 9.93 %: that much free cash flow SSF Home Group Berhad produces per unit of market value. When it exceeds the discount rate of our models (14.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of SSF Home Group Berhad (0287)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For SSF Home Group Berhad it is 0.2300 MYR per share (as of Sep 24, 2026), against a price of 0.3600 MYR. It is the blended result of 14 valuation models (cash flow, earnings, asset, dividend).
Is SSF Home Group Berhad stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 0287 trades above its calculated fair value: price 0.3600 MYR, fair value 0.2300 MYR, a gap of about −36% (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 0287?
No. The price is what the market pays today (0.3600 MYR); the fair value is what the company's own numbers justify (0.2300 MYR). For SSF Home Group Berhad the two are 0.1300 MYR per share apart. That gap is exactly why we show both numbers side by side.
How much is SSF Home Group Berhad worth?
The market values SSF Home Group Berhad at about 288M MYR (market capitalisation, as of Sep 24, 2026). Per share that is 0.3600 MYR; our models calculate a fair value of 0.2300 MYR per share.
What do the bullish and bearish scenarios say about 0287?
Our models span a range for SSF Home Group Berhad: cautious scenario 0.1600 MYR, base 0.2300 MYR, optimistic 0.2900 MYR per share (as of Sep 24, 2026, price 0.3600 MYR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 0287?
SSF Home Group Berhad trades at a price-to-earnings ratio of 36.0 (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 0.2300 MYR is built from several models across several years. Other multiples: P/B 0.4, P/S 0.4, EV/EBITDA 3.0.
How solid is the balance sheet of SSF Home Group Berhad (0287)?
Balance-sheet figures for SSF Home Group Berhad (as of Sep 24, 2026): return on equity 5.5%. They feed the Quality Score of 68/100, which measures business quality independently of the share price.
How far is 0287 from its 52-week high?
SSF Home Group Berhad trades at 0.3600 MYR, about 14% below its 52-week high of 0.4200 MYR and 6% above the low of 0.3400 MYR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 0.2300 MYR is for.
Which stocks are comparable to SSF Home Group Berhad?
From the same area (Consumer Cyclical) we also value Alimentation Couche-Tard Inc, Casey's General Stores, Inc, Williams-Sonoma, Inc, Ulta Beauty, Inc, 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 SSF Home Group Berhad stock attractive at the current price?
The data as of Sep 24, 2026: price 0.3600 MYR, calculated fair value 0.2300 MYR (−36%), Quality Score 68/100, from 14 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 0287 calculated?
We run SSF Home Group Berhad through 14 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 0.2300 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. SSF Home Group 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 SSF Home Group Berhad (0287)?
The closing price on Sep 24, 2026 was 0.3600 MYR. Our model-based fair value is 0.2300 MYR, about −36% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with SSF Home Group Berhad right now?
The price sits above even our optimistic bull case (0.2900 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. A fairly wide model range (0.1600 MYR to 0.2900 MYR) leaves room in how you read the outcome.
Key figures of SSF Home Group Berhad
How large is the market capitalisation of SSF Home Group Berhad (0287)?
The market capitalisation of SSF Home Group Berhad is 288M MYR (≈ $70.6M). 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 SSF Home Group Berhad (0287)?
The price-to-sales ratio of SSF Home Group Berhad is 1.97 (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 SSF Home Group Berhad (0287)?
Earnings per share at SSF Home Group Berhad are 0.0100 MYR (price ÷ EPS = P/E 36.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of SSF Home Group Berhad (0287)?
The dividend yield of SSF Home Group Berhad is 1.3% (payout 46.8%). 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 SSF Home Group Berhad (0287)?
The net margin of SSF Home Group Berhad is 5.5% (fiscal year 2026). 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 SSF Home Group Berhad (0287)?
The return on equity (ROE) of SSF Home Group Berhad is 5.5% (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 SSF Home Group Berhad (0287)?
On an EBIT basis the return on assets of SSF Home Group Berhad is 7.5% (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 SSF Home Group Berhad (0287)?
The operating margin of SSF Home Group Berhad is 17.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at SSF Home Group Berhad (0287)?
Revenue at SSF Home Group Berhad is growing +15.0% versus a year earlier (3y avg −1.4%). 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 SSF Home Group Berhad (0287)?
Earnings per share at SSF Home Group Berhad are growing +17.3% versus a year earlier. How much earnings per share grew versus a year earlier.
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