RichTech Digital Berhad (0342) fair value: what the stock is really worth
As of Oct 14, 2026: fair value of RichTech Digital Berhad MYR 0.30, price MYR 0.23, upside +30.4%, quality 61 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.
How to read this chart
20‑month range 0.1550 MYR – 0.3200 MYR · fair‑value band 0.2400 MYR – 0.3800 MYR · the 0.2300 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 Oct 3, 2026.
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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.
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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.
Stock analysis
RichTech Digital Berhad (0342) currently trades at 0.2300 MYR, while our model-based Fair Value estimate is 0.3000 MYR, implying the stock looks roughly 23.3% undervalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of 0.3400 MYR per share, and 13 of the 21 models we run sit above the 0.2300 MYR price.
Bear case: the Asset-Based group reads lowest at 0.1100 MYR, and 8 of the 21 models stay below the price. Data coverage for this calculation is low.
Scenario range: 0.2400 MYR (bear) to 0.3800 MYR (bull), the price of 0.2300 MYR 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 61/100 (solid quality), in the Technology sector.
Weak Growth: Revenue growth is weak, negative or inconsistent.
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.
Key figures
Market cap 46.6M MYR (≈ $11.4M) · P/E ratio 11.5 · P/S ratio 6.35 · EPS (TTM) 0.0200 MYR · Net margin 55.2% · Return on equity 10.4% · Return on assets (EBIT) 32.0% · Operating margin 71.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 74 out of 100 (low confidence).
What moves the price
The share trades about 8% below its 52-week high and 44% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at −23% fair-value upside, at 30%, 0342 screens cheaper than that median.
Fair Value models
Bear0.2400 MYRFair Value 0.3000 MYRBull0.3800 MYR
Price 0.2300 MYR · Upside +30.4%
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 9 months old). Earnings retained since then (0.0158 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = 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 weak, negative or inconsistent.
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.
+1.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+1.3%
Dividend (yield on the price)0.0%
Profit margin 2021 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.83% → 62%
Growth Forecast
Little optimism in the price
The price assumes less 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).
−4.2%
The company could shrink this much every year for the next five years and today's price would still be justified.
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 −6.1% a year for the price.
Compare RichTech Digital Berhad with another stock
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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.Software - Infrastructure · 351 stocks
Beats the industry median on 11/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score61 · Above median
Fair Value upside+30.4% · Above median
Profitability
Return on equity (12 months)10.4% · Above median
Return on assets9.1% · Top 25%
Net margin (12 months)57.4% · Top 25%
Operating margin (12 months)71.2% · Top 25%
Growth and dividend
Revenue growth47.3% · Top 25%
Valuation Multiplesvs Software - Infrastructure median · lower = cheaper
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). "RichTech Digital Berhad Fair Value". https://www.fairvalue-calculator.com/stock/0342
Frequently asked questions
Is RichTech Digital Berhad (0342) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of 0.3000 MYR versus a price of 0.2300 MYR, about +30% upside (undervalued).
What is the fair value of 0342?
Our model-based fair value for RichTech Digital Berhad is 0.3000 MYR (as of Oct 3, 2026), built from audited fundamentals. The current price: 0.2300 MYR.
What is the quality score of 0342?
RichTech Digital Berhad has a Quality Score of 61/100. 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 RichTech Digital Berhad (0342)?
Our model-based price target is the fair value of 0.3000 MYR (as of Oct 3, 2026) from 21 valuation models. Cautious scenario 0.2400 MYR, optimistic scenario 0.3800 MYR. It is a calculation from audited fundamentals, not an analyst target.
What is the RichTech Digital Berhad stock forecast for 2026?
Our models put fair value at 0.3000 MYR, about +30% upside versus a price of 0.2300 MYR (undervalued). Cautious scenario 0.2400 MYR, optimistic scenario 0.3800 MYR. The calculation is refreshed regularly with new filings.
What is the revenue of RichTech Digital Berhad (0342)?
RichTech Digital Berhad reported trailing-twelve-month revenue of about 6.4M MYR (latest available figure, as of Oct 3, 2026).
What growth is priced into RichTech Digital Berhad (0342)?
For today's price to be fair in a discounted-cash-flow model, RichTech Digital Berhad would have to grow free cash flow by -4.2 % per year for five years (discount rate 11.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 4 years revenue grew +5.4 % per year. As of Oct 3, 2026.
What discount rate (WACC) does the fair value of 0342 use?
Our models discount RichTech Digital Berhad at 11.1 %: a base by market capitalisation (nano), 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 RichTech Digital Berhad that is -4.2 % per year a year over ten years, using the same discount rate (11.1 %) and the same formula as our fair value.
How much growth has RichTech Digital Berhad (0342) delivered so far?
Over the past 4 years revenue at RichTech Digital Berhad grew +5.4 % a year. The price currently implies -4.2 % 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 RichTech Digital Berhad (0342) growing?
The median revenue growth in the sector is +15.5 % a year. That is the yardstick for the growth priced into RichTech Digital Berhad (-4.2 % 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 RichTech Digital Berhad (0342)?
The free-cash-flow yield on the price is 9.89 %: that much free cash flow RichTech Digital Berhad produces per unit of market value. When it exceeds the discount rate of our models (11.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of RichTech Digital Berhad (0342)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For RichTech Digital Berhad it is 0.3000 MYR per share (as of Oct 3, 2026), against a price of 0.2300 MYR. It is the blended result of 21 valuation models (cash flow, earnings, asset, dividend).
Is RichTech Digital Berhad stock overvalued or undervalued in 2026?
As of Oct 3, 2026, 0342 trades below its calculated fair value: price 0.2300 MYR, fair value 0.3000 MYR, a gap of about +30% (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 0342?
No. The price is what the market pays today (0.2300 MYR); the fair value is what the company's own numbers justify (0.3000 MYR). For RichTech Digital Berhad the two are 0.0700 MYR per share apart. That gap is exactly why we show both numbers side by side.
How much is RichTech Digital Berhad worth?
The market values RichTech Digital Berhad at about 46.6M MYR (market capitalisation, as of Oct 3, 2026). Per share that is 0.2300 MYR; our models calculate a fair value of 0.3000 MYR per share.
What do the bullish and bearish scenarios say about 0342?
Our models span a range for RichTech Digital Berhad: cautious scenario 0.2400 MYR, base 0.3000 MYR, optimistic 0.3800 MYR per share (as of Oct 3, 2026, price 0.2300 MYR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 0342?
RichTech Digital Berhad trades at a price-to-earnings ratio of 11.5 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 0.3000 MYR is built from several models across several years. Other multiples: P/B 1.4, P/S 7.2, EV/EBITDA 8.0.
How solid is the balance sheet of RichTech Digital Berhad (0342)?
Balance-sheet figures for RichTech Digital Berhad (as of Oct 3, 2026): return on equity 10.4%. They feed the Quality Score of 61/100, which measures business quality independently of the share price.
How far is 0342 from its 52-week high?
RichTech Digital Berhad trades at 0.2300 MYR, about 8% below its 52-week high of 0.2500 MYR and 44% above the low of 0.1600 MYR (as of Oct 14, 2026). Distance from the high says nothing about value: that is what the fair value of 0.3000 MYR is for.
Which stocks are comparable to RichTech Digital Berhad?
From the same area (Technology) we also value Microsoft Corporation, Palantir Technologies Inc, Oracle Corporation, CrowdStrike Holdings, 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 RichTech Digital Berhad stock attractive at the current price?
The data as of Oct 3, 2026: price 0.2300 MYR, calculated fair value 0.3000 MYR (+30%), Quality Score 61/100, from 21 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 0342 calculated?
We run RichTech Digital Berhad through 21 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 0.3000 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 14.7 % above its aggregate fair value. RichTech Digital Berhad currently trades 23 % 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 RichTech Digital Berhad (0342)?
The closing price on Oct 14, 2026 was 0.2300 MYR. Our model-based fair value is 0.3000 MYR, about +30% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with RichTech Digital Berhad right 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.
Key figures of RichTech Digital Berhad
How large is the market capitalisation of RichTech Digital Berhad (0342)?
The market capitalisation of RichTech Digital Berhad is 46.6M MYR (≈ $11.4M). 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 RichTech Digital Berhad (0342)?
The price-to-sales ratio of RichTech Digital Berhad is 6.35 (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 RichTech Digital Berhad (0342)?
Earnings per share at RichTech Digital Berhad are 0.0200 MYR (price ÷ EPS = P/E 11.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of RichTech Digital Berhad (0342)?
The net margin of RichTech Digital Berhad is 55.2% (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 RichTech Digital Berhad (0342)?
The return on equity (ROE) of RichTech Digital Berhad is 10.4% (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 RichTech Digital Berhad (0342)?
On an EBIT basis the return on assets of RichTech Digital Berhad is 32.0% (avg 4y). 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 RichTech Digital Berhad (0342)?
The operating margin of RichTech Digital Berhad is 71.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at RichTech Digital Berhad (0342)?
Revenue at RichTech Digital Berhad is growing +47.3% versus a year earlier (3y avg +7.3%). 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 RichTech Digital Berhad (0342)?
Earnings per share at RichTech Digital Berhad are growing +88.0% versus a year earlier. How much earnings per share grew versus a year earlier.
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Thin data
Oct 3, 2026