RichTech Digital Berhad (0342) Fair Value & Analysis
Technology · MY · Market cap 41.5M MYR (≈ $10.3M)
Strengths
Risks
Fair value as of: Aug 30, 2026
From 21 valuation models · updated yesterday
A solid business, trading 33% below our fair value.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price is below even our cautious bear case (0.2400 MYR). 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.
- Solid quality (61/100) at a price below fair value, the discount is the argument here, not the business quality.
Price vs Fair Value (18 months)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 30, 2026.
How to read this chart
18‑month range 0.1550 MYR – 0.3200 MYR · fair‑value band 0.2400 MYR – 0.3800 MYR · the 0.2000 MYR price screens below the 0.3000 MYR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 30, 2026.
Analysis
RichTech Digital Berhad (0342) currently trades at 0.2000 MYR, while our model-based Fair Value estimate is 0.3000 MYR, implying the stock looks roughly 50.0% undervalued today. The Quality Score stands at 61/100 (solid quality), in the Technology sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low), always confirm before acting.
Over the trailing twelve months, RichTech Digital Berhad generated revenue of 5.9M MYR at a net margin of 55.2%. Revenue grew 51.5% year over year. It earns a return on equity of 10.4%. The stock trades on a trailing P/E of 10.0. Fundamentals as of Aug 30, 2026
Our scenario range runs from 0.2400 MYR (bear case) to 0.3800 MYR (bull case); at 0.2000 MYR, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 23% below its 52-week high and 33% above its 52-week low, currently above its 200-day average. For context, the median of 10 Technology peers we cover trades at -34% fair-value upside, at 50%, 0342 screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly 0.01 MYR per share, which is 4.4 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 21 models by family
Widest divergence: Growth Earnings (0.3400 MYR) versus Asset-Based (0.1100 MYR). Highest evidence: FCF DCF (77).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 30, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 63 · Market factors (momentum, volatility) 39
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
RichTech Digital Berhad provides electronic reloads and bill payment services in Malaysia. The company offers electronic reload services, including mobile airtime and data services, prepaid digital TV services, games credits, application credits, and e-Wallet credits.
Full company description
RichTech Digital Berhad provides electronic reloads and bill payment services in Malaysia. The company offers electronic reload services, including mobile airtime and data services, prepaid digital TV services, games credits, application credits, and e-Wallet credits. It also provides bill payment services, such as postpaid mobile network services, postpaid digital TV, internet, quit rent and assessment payment, and education loan and installment plan payment services, as well as water and electricity utilities and maintenance services of sewerage systems. The company offers its services through the SRS app, SRS portal, and customized digital platforms. RichTech Digital Berhad was founded in 2011 and is headquartered in Petaling Jaya, Malaysia.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
RichTech Digital Berhad reported revenue of 5.9M MYR in FY2025 versus 4.8M MYR in FY2021, a compound +5.4%/yr. Reported net income was 3.3M MYR in FY2025, compounding +1.7%/yr from FY2021.
Watch 0342: get an alert when its fair value changes →
Peer Group
Software - Infrastructure · 378 stocks
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.
Valuation Multiples vs Software - Infrastructure median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Software - Infrastructure stocks, each showing price versus our Fair Value estimate (as of Aug 30, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Microsoft Corporation MSFT | $480.35 | $365.74 | -24% |
| Oracle Corporation ORCL | $151.94 | $117.84 | -22% |
| Fortinet, Inc FTNT | $166.00 | $61.46 | -63% |
| Synopsys, Inc SNPS | $410.00 | $101.19 | -75% |
| Block, Inc XYZ | A$111.01 | A$70.69 | -36% |
| CoreWeave, Inc CRWV | $105.26 | $71.79 | -32% |
| NetApp, Inc NTAP | $190.64 | $154.83 | -19% |
| Adyen N.V ADYEN | €1,080 | €707.53 | -34% |
| MongoDB, Inc MDB | $440.58 | $93.91 | -79% |
| Okta, Inc OKTA | $134.42 | $30.50 | -77% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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