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Chow Tai Fook Jewellery Group (1929) Fair Value & Analysis

Consumer Cyclical · HK · Market cap HK$117B

CT Chow Tai Fook Jewellery Group 1929 · HK
PriceHK$13.03
Fair ValueHK$12.28
Upside-5.8%
Quality65/100
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Expensive Growth
Thin margins · 9.5% net margin
Low debt · generates free cash flow
5.57% dividend yield
Ranks above peers (10/14)
Wide moat 72/100
Evidence: High Range HK$6.26 – HK$22.64 Share as image

Fair value as of: Jul 19, 2026

From 25 valuation models · updated 22 days ago

Fair value updated Jul 19, 2026, revised from HK$13.19 to HK$12.28 (−6.9%) since Jul 7, 2026. Share price +12.3% over the past month.

A solid business, currently priced close to our fair value.

What matters now

  • The model range is unusually wide (HK$6.26 to HK$22.64). 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.
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Price vs Fair Value (5 years)

HK$16.35 HK$5.47 Fair Value HK$12.28 Mar 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 19, 2026.

How to read this chart

60‑month range HK$5.47 – HK$16.35 · fair‑value band HK$6.26 – HK$22.64 · the HK$13.03 price screens above the HK$12.28 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 19, 2026.

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Analysis

Chow Tai Fook Jewellery Group (1929) currently trades at HK$13.03, while our model-based Fair Value estimate is HK$12.28, implying the stock looks roughly 5.8% fairly valued today. The Quality Score stands at 65/100 (solid quality), in the Consumer Cyclical sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, Chow Tai Fook Jewellery Group generated revenue of HK$89.2B at a net margin of 6.6%. Revenue declined 1.1% year over year. It earns a return on equity of 22.4%. Net debt stands at HK$20.2B. Fundamentals as of Jul 19, 2026

Our scenario range runs from HK$6.26 (bear case) to HK$22.64 (bull case); at HK$13.03, the current price sits within 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 last reported earnings sit well below what analysts expect (earnings in transition, for example after write-downs or an earnings dip); whether the stock is cheap or expensive hinges on the expected recovery actually arriving. Read the fair value with that caveat. The share trades about 22% below its 52-week high and 26% above its 52-week low, currently below its 200-day average. For context, the median of 10 Consumer Cyclical peers we cover trades at -41% fair-value upside, at -6%, 1929 screens cheaper than that median.

Fair Value models

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.

Model 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
Highest evidence
Growth DCF HK$0.6000 HK$0.8300 HK$1.16 80
Residual Income HK$5.66 HK$7.12 HK$31.54 76
ROIC Compounder HK$15.48 HK$18.77 HK$22.16 72
All 25 models by family
DCF Models
FCF DCF HK$0.5900 HK$0.8500 HK$1.24 38
Owner Earnings HK$11.67 HK$17.86 HK$27.18 31
5Y Revenue Exit HK$5.23 HK$9.48 HK$14.99 39
5Y EBITDA Exit HK$10.74 HK$19.68 HK$30.19 41
5Y P/E Exit HK$8.94 HK$16.36 HK$24.15 38
10Y Revenue Exit HK$3.29 HK$6.77 HK$11.58 36
10Y EBITDA Exit HK$7.03 HK$13.82 HK$23.08 37
10Y P/E Exit HK$5.89 HK$11.52 HK$18.51 35
Earnings-Based
Graham-Dodd HK$6.21 HK$18.40 HK$24.35 54
Lynch FV HK$3.87 HK$5.53 HK$7.19 50
PEG = 1.0 HK$3.87 HK$5.53 HK$7.19 46
EPV HK$14.87 HK$17.33 HK$19.48 59
Dividend Discount
Gordon GGM HK$4.96 HK$10.31 HK$16.35 70
DDM Multi-Stage HK$4.96 HK$8.03 HK$10.82 61
Multiples
P/E Multiple HK$15.06 HK$20.08 HK$25.10 63
P/S Multiple HK$8.61 HK$11.48 HK$14.35 58
P/B Multiple HK$8.88 HK$11.84 HK$14.79 55
EV/EBIT HK$24.95 HK$33.23 HK$41.51 53
EV/EBITDA HK$18.28 HK$24.34 HK$30.39 54
EV/Revenue HK$8.14 HK$11.59 HK$15.03 43
Asset-Based
NCAV (Graham) HK$1.48 HK$1.98 HK$2.96 50
Growth DCF
Growth DCF HK$0.6000 HK$0.8300 HK$1.16 80
Economic Profit
Residual Income HK$5.66 HK$7.12 HK$31.54 76
ROIC Compounder HK$15.48 HK$18.77 HK$22.16 72
Growth Earnings
Growth-Adj P/E HK$12.19 HK$17.42 HK$22.64 68

Widest divergence: Growth Earnings (HK$17.42) versus Growth DCF (HK$0.8300). Highest evidence: Growth DCF (80).

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Key figures & financial health

Revenue (TTM) HK$89.2B
Revenue growth (YoY) -1.1%
Net margin 6.6%
Return on equity 22.4%
Free cash flow HK$425M FY2026
P/E ratio 19.7
More key figures
Operating margin 16.5%
EPS (TTM) HK$0.1300
Dividend yield 4.7%
EPS growth (YoY) +0.8%
Net debt HK$20.2B FY2026

Figures from reported company fundamentals · as of Jul 19, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 65/100

Of which business quality 59 · Market factors (momentum, volatility) 46

Profitability 72
Margins and returns on capital today
Quality Growth 62
Are margins and returns improving?
Cashflow 12
Earnings quality: real cash, not paper profit
Fin. Strength 66
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 65
Calm price path (market factor)
Momentum 38
Price trend over the last 3–12 months (market factor)
52W Momentum 37
Distance to the 52-week high (market factor)
Net Issuance 62
Buybacks instead of dilution

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.

About the company

Chow Tai Fook Jewellery Group Limited, an investment holding company, manufactures and sells jewelry products in Mainland China, Hong Kong, Macau, and internationally. The company provides gem-set, platinum and k-gold jewelry, and gold jewelry products under the CHOW TAI FOOK, HEARTS ON FIRE, ENZO, MONOLOGUE, and SOINLOVE brand names.

Full company description

Chow Tai Fook Jewellery Group Limited, an investment holding company, manufactures and sells jewelry products in Mainland China, Hong Kong, Macau, and internationally. The company provides gem-set, platinum and k-gold jewelry, and gold jewelry products under the CHOW TAI FOOK, HEARTS ON FIRE, ENZO, MONOLOGUE, and SOINLOVE brand names. It also distributes watches of various brands. In addition, the company is involved in the trading of diamonds; and the provision of services to franchisees. It sells its products through online platforms, as well as stores. The company was founded in 1929 and is headquartered in Central, Hong Kong. Chow Tai Fook Jewellery Group Limited is a subsidiary of Chow Tai Fook Capital Limited.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

Chow Tai Fook Jewellery Group reported revenue of HK$94.4B in FY2026 versus HK$98.9B in FY2022, a compound −1.2%/yr. Reported net income was HK$9.0B in FY2026, compounding +7.6%/yr from FY2022.

Growth Quality 56/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Latest Revenue (FY 2026)
HK$94.4B
Latest YoY
+5.3%
Avg. growth/yr (3Y) 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.
−0.1%
Avg. growth/yr (5Y) 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.
+6.1%
Avg. growth/yr (17Y) 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.
+10.1%
Revenue −1.2%/yr
FY22 HK$98.9B
FY23 HK$94.7B
FY24 HK$109B
FY25 HK$89.7B
FY26 HK$94.4B
Net income +7.6%/yr
FY22 HK$6.7B
FY23 HK$5.4B
FY24 HK$6.5B
FY25 HK$5.9B
FY26 HK$9.0B
Character of growth · EPS growth decomposed (2015-2026) +7.1 % p.a.
Revenue per share +6.0 pp

of which total revenue +6.1 pp · buybacks/dilution −0.1 pp

EBIT margin +5.2 pp
Tax rate −0.3 pp
Residual (interest, one-offs) −3.8 pp

Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).

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Cite: Fair Value Calculator (2026). "Chow Tai Fook Jewellery Group Fair Value". https://www.fairvalue-calculator.com/stock/1929

Earlier news

External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.

Peer Group

Luxury Goods · 130 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.

Quality Score 65 · Top 25%
Fair Value upside −6% · Above median
Return on equity (TTM) 31% · Top 25%
Return on assets 14% · Top 25%
Net margin (TTM) 10% · Above median
Operating margin (TTM) 21% · Top 25%
Revenue growth 10% · Above median
Dividend yield (TTM) 5.6% · Top 25%
Debt / equity 0.25× · Higher than 75% of peers

Valuation Multiples vs Luxury Goods median · lower = cheaper

P/E (TTM) 13.1× · Cheaper than median
P/B 3.99× · Pricier than 75% of peers
P/S (TTM) 1.24× · Pricier than median
P/FCF 35.0× · Pricier than 75% of peers
EV/EBITDA 6.1× · Cheaper than median

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.

VALUE 26 · sector 15
FUTURE 52 · sector 50
PAST 100 · sector 38
HEALTH 88 · sector 99
DIVIDEND 100 · sector 39

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Luxury Goods stocks, each showing price versus our Fair Value estimate (as of Jul 19, 2026).

Stock Price Fair Value vs Fair Value
Compagnie Financière Richemont SA CFR CHF 197.40 CHF 117.30 -41%
Christian Dior SE DIO €455.40 €502.30 +10%
Kering SA KER €248.50 €60.61 -76%
Tapestry, Inc TPR $140.73 $19.95 -86%
The Swatch Group UHRN CHF 40.95 CHF 21.48 -48%
Prada S.p.A 1913 HK$43.26 HK$64.05 +48%
Pandora A/S PNDORA kr 779.40 kr 1,424 +83%
Brunello Cucinelli S.p.A BC €80.32 €42.69 -47%
Kalyan Jewellers India Limited KALYANKJIL ₹546.60 ₹238.57 -56%
LVMH Moët Hennessy - Louis Vuitton, Société Européenne, LV C$11.46 C$11.05 -4%

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Frequently asked questions

Is Chow Tai Fook Jewellery Group (1929) overvalued or undervalued?
As of Jul 19, 2026, our model estimates a fair value of HK$12.28 versus a price of HK$13.03, about −6% (fairly valued).
What is the fair value of 1929?
Our model-based fair value for Chow Tai Fook Jewellery Group is HK$12.28 (as of Jul 19, 2026), built from audited fundamentals. The current price is HK$13.03.
What is the quality score of 1929?
Chow Tai Fook Jewellery Group has a Quality Score of 65/100. 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 revenue of Chow Tai Fook Jewellery Group (1929)?
Chow Tai Fook Jewellery Group reported trailing-twelve-month revenue of about HK$89.2B (latest available figure, as of Jul 19, 2026).
What is the net profit margin of 1929?
The net profit margin of Chow Tai Fook Jewellery Group is about 6.6%, meaning it keeps roughly 6.6% of revenue as net income. Based on the latest reported figures.
Does Chow Tai Fook Jewellery Group pay a dividend?
Chow Tai Fook Jewellery Group currently shows a dividend yield of about 4.72% relative to its recent price (as of Jul 19, 2026).

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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