Upbest Group Ltd (0335) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Upbest Group Ltd HK$0.92, price HK$0.66, upside +39.4%, quality 77 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
60‑month range HK$0.4483 – HK$1.07 · fair‑value band HK$0.6900 – HK$1.15 · the HK$0.6600 price screens below the HK$0.9200 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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Upbest Group Limited, an investment holding company, provides financial services in Hong Kong, Macau, and the People's Republic of China. The company operates through the Broking, Financing, Corporate Finance, Assets Management, Property Investment, Precious Metal Trading, and Investment Holding segments.
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Upbest Group Limited, an investment holding company, provides financial services in Hong Kong, Macau, and the People's Republic of China. The company operates through the Broking, Financing, Corporate Finance, Assets Management, Property Investment, Precious Metal Trading, and Investment Holding segments. The Broking segment offers securities and futures brokerage services. The Financing segment provides securities margin financing and money lending services. The Corporate Finance segment offers corporate finance advisory, placing, and underwriting services. The Assets Management segment provides asset management for listed and unlisted companies, and high-net-worth individuals. The Property Investment segment is involved in the property rental, management, and related businesses. The Precious Metals Trading segment engages in the trading of precious metals. The Investment Holding segment is involved in the share investment business. The company was founded in 1988 and is based in Central, Hong Kong. Upbest Group Limited is a subsidiary of CCAA Group Limited.
Stock analysis
Upbest Group Ltd (0335) currently trades at HK$0.6600, while our model-based Fair Value estimate is HK$0.9200, implying the stock looks roughly 28.3% undervalued today.
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Valuation
How firm this estimate is: it rests on 24 models at a data quality of 96/100, which puts the evidence level at low.
Scenario range: HK$0.6900 (bear) to HK$1.15 (bull), the price of HK$0.6600 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 77/100 (high quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Upbest Group Ltd reported revenue of HK$84.5M in FY2026 versus HK$128M in FY2022, a compound −9.8%/yr. Reported net income was HK$89.8M in FY2026, compounding +0.8%/yr from FY2022.
Key figures
Market cap HK$1.8B (≈ $226M) · P/E ratio 22.0 · P/S ratio 23.4 · EPS (TTM) HK$0.0300 · Dividend yield 3.1% · Net margin 106% · Return on equity 3.1% · Return on assets (EBIT) 2.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 12% below its 52-week high and 6% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −17% fair-value upside, at 39%, 0335 screens cheaper than that median.
Fair Value models
Bear HK$0.6900Fair Value HK$0.9200Bull HK$1.15
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 6 months old). Earnings retained since then (HK$0.0146 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
+27.8%
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.
−9.9%
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.
−7.0%
Start year 2021 (pandemic). Over 10 years: −15.1% a year
Revenue growth 26 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.
+0.9%
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What shareholders gained per year (last 5 years) ⓘ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.
+16.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+13.5%
Dividend (yield on the price)3.1%
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.14% vs −12%, picking up
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.68% → 123%
Start year 2021 (pandemic)
⚠ Revenue per share shrinking 10.8%/yr over ~10Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
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).
+10.3%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Hong Kong: IMF forecast 2.1% a year to 2030, 1.8% from 2016 to 2025) that is about +8.0% 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.Capital Markets · 460 stocks
Beats the industry median on 9/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score76 · Top 25%
Fair Value upside+39% · Above median
Profitability
Return on equity (TTM)3% · Below median
Return on assets3% · Above median
Net margin (TTM)68% · Top 25%
Operating margin (TTM)82% · Top 25%
Growth and dividend
Revenue growth342% · Top 25%
Dividend yield (TTM)3.1% · Above median
Balance sheet
Debt / equity0.01× · Below median
Valuation Multiplesvs Capital Markets median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Upbest Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/0335
Frequently asked questions
Is Upbest Group Ltd (0335) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of HK$0.9200 versus a price of HK$0.6600, about +39% upside (undervalued).
What is the fair value of 0335?
Our model-based fair value for Upbest Group Ltd is HK$0.9200 (as of Sep 24, 2026), built from audited fundamentals. The current price: HK$0.6600.
What is the quality score of 0335?
Upbest Group Ltd has a Quality Score of 77/100. 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 Upbest Group Ltd (0335)?
Our model-based price target is the fair value of HK$0.9200 (as of Sep 24, 2026) from 2 valuation models. Cautious scenario HK$0.6900, optimistic scenario HK$1.15. It is a calculation from audited fundamentals, not an analyst target.
What is the Upbest Group Ltd stock forecast for 2026?
Our models put fair value at HK$0.9200, about +39% upside versus a price of HK$0.6600 (undervalued). Cautious scenario HK$0.6900, optimistic scenario HK$1.15. The calculation is refreshed regularly with new filings.
What is the revenue of Upbest Group Ltd (0335)?
Upbest Group Ltd reported trailing-twelve-month revenue of about HK$133M (latest available figure, as of Sep 24, 2026).
Does Upbest Group Ltd pay a dividend?
Upbest Group Ltd currently shows a dividend yield of about 3.08% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Upbest Group Ltd (0335)?
For today's price to be fair in a discounted-cash-flow model, Upbest Group Ltd would have to grow free cash flow by +10.3 % per year for five years (discount rate 12.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -7.0 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 0335 use?
Our models discount Upbest Group Ltd at 12.5 %: a base by market capitalisation (micro), damped by beta 0.77, country premium for Hong Kong. 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 Upbest Group Ltd that is +10.3 % per year a year over ten years, using the same discount rate (12.5 %) and the same formula as our fair value.
How much growth has Upbest Group Ltd (0335) delivered so far?
Over the past 5 years revenue at Upbest Group Ltd grew -7.0 % a year. The price currently implies +10.3 % 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 Upbest Group Ltd (0335) growing?
The median revenue growth in the sector is +2.6 % a year. That is the yardstick for the growth priced into Upbest Group Ltd (+10.3 % 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 Upbest Group Ltd (0335)?
The free-cash-flow yield on the price is 5.93 %: that much free cash flow Upbest Group Ltd produces per unit of market value. When it exceeds the discount rate of our models (12.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Upbest Group Ltd (0335)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Upbest Group Ltd it is HK$0.9200 per share (as of Sep 24, 2026), against a price of HK$0.6600. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is Upbest Group Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 0335 trades below its calculated fair value: price HK$0.6600, fair value HK$0.9200, a gap of about +39% (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 0335?
No. The price is what the market pays today (HK$0.6600); the fair value is what the company's own numbers justify (HK$0.9200). For Upbest Group Ltd the two are HK$0.2600 per share apart. That gap is exactly why we show both numbers side by side.
How much is Upbest Group Ltd worth?
The market values Upbest Group Ltd at about HK$1.8B (market capitalisation, as of Sep 24, 2026). Per share that is HK$0.6600; our models calculate a fair value of HK$0.9200 per share.
What do the bullish and bearish scenarios say about 0335?
Our models span a range for Upbest Group Ltd: cautious scenario HK$0.6900, base HK$0.9200, optimistic HK$1.15 per share (as of Sep 24, 2026, price HK$0.6600). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 0335?
Upbest Group Ltd trades at a price-to-earnings ratio of 22.0 (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 HK$0.9200 is built from several models across several years. Other multiples: P/B 0.6, P/S 13.3, EV/EBITDA 14.2.
How solid is the balance sheet of Upbest Group Ltd (0335)?
Balance-sheet figures for Upbest Group Ltd (as of Sep 24, 2026): return on equity 3.1%, debt of 0.01 per unit of equity. They feed the Quality Score of 77/100, which measures business quality independently of the share price.
How far is 0335 from its 52-week high?
Upbest Group Ltd trades at HK$0.6600, about 12% below its 52-week high of HK$0.7500 and 6% above the low of HK$0.6250 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of HK$0.9200 is for.
Which stocks are comparable to Upbest Group Ltd?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, 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 Upbest Group Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price HK$0.6600, calculated fair value HK$0.9200 (+39%), Quality Score 77/100, from 2 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 0335 calculated?
We run Upbest Group Ltd through 2 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 HK$0.9200, 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 14.0 % above its aggregate fair value. Upbest Group Ltd currently trades 39 % 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 Upbest Group Ltd (0335)?
The closing price on Sep 24, 2026 was HK$0.6600. Our model-based fair value is HK$0.9200, about +39% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Upbest Group Ltd right now?
The rarer combination: high quality (77/100) AND below fair value. That earns a closer look rather than a quick verdict. The price is below even our cautious bear case (HK$0.6900). 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.
Where does the earnings growth of Upbest Group Ltd (0335) come from?
Earnings per share at Upbest Group Ltd grew −15.0 % a year from 2015 to 2026. Broken into its drivers: revenue per share −13.6 %, EBIT margin +16.8 %, tax rate −0.7 %, residual (interest, one-offs) −15.2 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Upbest Group Ltd
How large is the market capitalisation of Upbest Group Ltd (0335)?
The market capitalisation of Upbest Group Ltd is HK$1.8B (≈ $226M). 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 Upbest Group Ltd (0335)?
The price-to-sales ratio of Upbest Group Ltd is 23.4 (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 Upbest Group Ltd (0335)?
Earnings per share at Upbest Group Ltd are HK$0.0300 (price ÷ EPS = P/E 22.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Upbest Group Ltd (0335)?
The dividend yield of Upbest Group Ltd is 3.1% (payout 67.7%). 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 Upbest Group Ltd (0335)?
The net margin of Upbest Group Ltd is 106% (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 Upbest Group Ltd (0335)?
The return on equity (ROE) of Upbest Group Ltd is 3.1% (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 Upbest Group Ltd (0335)?
On an EBIT basis the return on assets of Upbest Group Ltd is 2.3% (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 Upbest Group Ltd (0335)?
The operating margin of Upbest Group Ltd is 81.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Upbest Group Ltd (0335)?
Revenue at Upbest Group Ltd is growing +342% versus a year earlier (3y avg −9.9%). 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 Upbest Group Ltd (0335)?
Earnings per share at Upbest Group Ltd are growing +55.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Upbest Group Ltd (0335) hold?
Upbest Group Ltd holds more cash than debt, HK$262M net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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