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Insas Bhd (3379) fair value: what the stock is really worth

As of Sep 24, 2026: fair value of Insas Bhd MYR 1.13, price MYR 0.89, upside +27.7%, quality 53 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Financial Services · MY · ISIN MYL3379OO004

IB Thin data Sep 24, 2026

Insas Bhd

3379 · KLSE

UndervaluedThe stock appears undervalued with acceptable quality.

✓Fair value 1.13 MYR · Undervalued (+28%)
!Quality 53/100
!Expensive Growth (revenue 5y +6.6 %/yr)
✓Highly profitable · 39.8% net margin (TTM)
!Low debt · negative free cash flow
·3.39% dividend yield
✓Ranks above peers (8/12)
!Moderate moat 62/100
!Evidence only low, so the estimate is less certain
!Weak on past: 17 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

1.21 MYR 0.6626 MYR Fair Value 1.13 MYR May 2021 Sep 2026

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 0.6626 MYR – 1.21 MYR · fair‑value band 0.9200 MYR – 1.27 MYR · the 0.8850 MYR price screens below the 1.13 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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Company profile

Insas Berhad, an investment holding company, trades in securities in Malaysia, Singapore, and internationally.

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Insas Berhad, an investment holding company, trades in securities in Malaysia, Singapore, and internationally. It operates through Financial Services and Credit and Leasing; Investment Holding and Trading; Technology and IT-related Manufacturing, Trading and Services; Manufacturing and Distribution of Consumer Products and Services, Retail Trading and Car Rental; and Property Investment and Development segments. The company offers management and consultancy; loans; stock broking, corporate finance and advisory, credit and leasing, share registration, nominee agency, and fund management; property development, holding, rental, and management; corporate secretarial; project management; and information technology and software consultancy services. It also provides semiconductors; electronic manufacturing services; chip fabrication and die preparation; optoelectronic and sensor components; optical fiber products; communication, networking, and telecommunication services; electronic component sourcing; transportation, delivery of goods, and courier services; fleet management and limousine services; digital media; protection films for vehicles; and mobile wireless and fixed line broadband solutions. In addition, the company engages in communication chips testing; design and development of software and web applications; trading of construction materials, semiconductor equipment, computer, multimedia, telecommunication, and electronic products; construction, landscaping, and renovation; and investment trading. Further, it invests in securities; deals in and maintains computer hardware; produces and distributes consumer food; leases cars, limousines, and trucks; operates as a wine merchant, and food and beverage outlets; and retails and trades in fashion wear and leather goods. The company was formerly known as Paper Products (Malaya) Berhad and changed its name to Insas Berhad in October 1987. Insas Berhad was incorporated in 1961 and is based in Kuala Lumpur, Malaysia.

Stock analysis

Insas Bhd (3379) currently trades at 0.8850 MYR, while our model-based Fair Value estimate is 1.13 MYR, implying the stock looks roughly 21.7% undervalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of 2.39 MYR per share, and 6 of the 8 models we run sit above the 0.8850 MYR price.

Bear case: the Dividend Discount group reads lowest at 0.1800 MYR, and 2 of the 8 models stay below the price. Evidence for this calculation is low.

Scenario range: 0.9200 MYR (bear) to 1.27 MYR (bull), the price of 0.8850 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 53/100 (solid quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Insas Bhd reported revenue of 246M MYR in FY2025 versus 286M MYR in FY2021, a compound −3.7%/yr. Reported net income was 93.9M MYR in FY2025, compounding −22.3%/yr from FY2021.

Key figures

Market cap 611M MYR (≈ $150M) · P/E ratio 5.5 · P/S ratio 2.12 · EPS (TTM) 0.1600 MYR · Dividend yield 3.4% · Net margin 38.3% · Return on equity 4.3% · Return on assets (EBIT) 1.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).

What moves the price

The share trades about 7% below its 52-week high and 10% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −20% fair-value upside, at 28%, 3379 screens cheaper than that median.

Fair Value models

Bear 0.9200 MYR Fair Value 1.13 MYR Bull 1.27 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 2025 figures (about 12 months old). Earnings retained since then (0.1300 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.
Highest evidence
Owner Earnings 1.39 MYR 1.69 MYR 2.18 MYR 78
Residual Income 2.36 MYR 2.21 MYR 1.70 MYR 76
Gordon GGM 0.1700 MYR 0.1800 MYR 0.1900 MYR 69
All 8 models by family
DCF Models
Owner Earnings 1.39 MYR 1.69 MYR 2.18 MYR 78
Earnings-Based
Graham-Dodd 0.9200 MYR 1.13 MYR 1.27 MYR 67
Dividend Discount
Gordon GGM 0.1700 MYR 0.1800 MYR 0.1900 MYR 69
DDM Multi-Stage 0.1700 MYR 0.1900 MYR 0.2300 MYR 67
Multiples
P/E Multiple 1.32 MYR 1.76 MYR 2.20 MYR 63
P/B Multiple 1.73 MYR 2.30 MYR 2.88 MYR 55
Asset-Based
NCAV (Graham) 1.78 MYR 2.39 MYR 3.56 MYR 54
Economic Profit
Residual Income 2.36 MYR 2.21 MYR 1.70 MYR 76

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Quality Score breakdown

Overall quality 53/100

Of which business quality 46 · Market factors (momentum, volatility) 63

Profitability 34
Margins and returns on capital today
Quality Growth 59
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 56
Balance sheet, leverage, solvency risk
Investment 84
Disciplined investing over empire-building
Low Volatility 98
Calm price path (market factor)
Momentum 48
Price trend over the last 3–12 months (market factor)
52W Momentum 50
Distance to the 52-week high (market factor)
Net Issuance 76
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 46/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
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.
+0.7%
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.
+6.6%
Revenue growth 12 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.
+1.8%
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.
+5.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+2.0%
Dividend (yield on the price)3.4%
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.2% vs 2%, steady
Profit margin 2020 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.−10% → 15%
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 5.1%/yr over ~7Y (margins eroding too) ⓘ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.

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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 · 458 stocks

Beats the industry median on 8/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 53 · Below median
Fair Value upside +28% · Above median
Profitability
Return on equity (TTM) 4% · Below median
Return on assets 1% · Below median
Net margin (TTM) 40% · Top 25%
Operating margin (TTM) 33% · Above median
Growth and dividend
Revenue growth −49% · Bottom 25%
Dividend yield (TTM) 3.4% · Above median
Balance sheet
Debt / equity 0.01× · Below median

Valuation Multiplesvs Capital Markets median · lower = cheaper

P/E (TTM) 5.5× · Cheapest 25%
P/B 0.06× · Cheapest 25%
P/S (TTM) 0.56× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)70 · sector 28
FUTURE (revenue growth)0 · sector 85
PAST (return on equity)17 · sector 30
HEALTH (low debt)100 · sector 94
DIVIDEND (yield)68 · sector 41

Context: sector, industry, market

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

Similar stocks

10 more Capital Markets stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Morgan Stanley, a financial holding company, MS $200.18 $312.73 +56%
The Goldman Sachs Group GS $949.49 $756.89 −20%
The Charles Schwab Corporation SCHW $99.50 $117.26 +18%
Interactive Brokers Group IBKR $91.88 $23.37 −75%
Robinhood Markets, Inc HOOD $122.70 $47.73 −61%
Macquarie Group MQG A$242.55 A$80.51 −67%
CITIC Securities Company 600030 ¥26.79 ¥18.35 −32%
Guotai Haitong Securities Co 601211 ¥17.67 ¥19.29 +9%
East Money Information Co 300059 ¥18.77 ¥4.94 −74%
CSC Financial Co 601066 ¥23.67 ¥39.83 +68%

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Insas Bhd · Fair Value
1.13 MYR +22%Fair Value
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Cite: Fair Value Calculator (2026). "Insas Bhd Fair Value". https://www.fairvalue-calculator.com/stock/3379

Frequently asked questions

Is Insas Bhd (3379) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 1.13 MYR versus a price of 0.8850 MYR, about +28% upside (undervalued).
What is the fair value of 3379?
Our model-based fair value for Insas Bhd is 1.13 MYR (as of Sep 24, 2026), built from audited fundamentals. The current price: 0.8850 MYR.
What is the quality score of 3379?
Insas Bhd has a Quality Score of 53/100. 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 Insas Bhd (3379)?
Our model-based price target is the fair value of 1.13 MYR (as of Sep 24, 2026) from 8 valuation models. Cautious scenario 0.9200 MYR, optimistic scenario 1.27 MYR. It is a calculation from audited fundamentals, not an analyst target.
What is the Insas Bhd stock forecast for 2026?
Our models put fair value at 1.13 MYR, about +28% upside versus a price of 0.8850 MYR (undervalued). Cautious scenario 0.9200 MYR, optimistic scenario 1.27 MYR. The calculation is refreshed regularly with new filings.
What is the revenue of Insas Bhd (3379)?
Insas Bhd reported trailing-twelve-month revenue of about 267M MYR (latest available figure, as of Sep 24, 2026).
Does Insas Bhd pay a dividend?
Insas Bhd currently shows a dividend yield of about 3.39% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Insas Bhd (3379)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Insas Bhd it is 1.13 MYR per share (as of Sep 24, 2026), against a price of 0.8850 MYR. It is the blended result of 8 valuation models (cash flow, earnings, asset, dividend).
Is Insas Bhd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 3379 trades below its calculated fair value: price 0.8850 MYR, fair value 1.13 MYR, a gap of about +28% (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 3379?
No. The price is what the market pays today (0.8850 MYR); the fair value is what the company's own numbers justify (1.13 MYR). For Insas Bhd the two are 0.2450 MYR per share apart. That gap is exactly why we show both numbers side by side.
How much is Insas Bhd worth?
The market values Insas Bhd at about 611M MYR (market capitalisation, as of Sep 24, 2026). Per share that is 0.8850 MYR; our models calculate a fair value of 1.13 MYR per share.
What do the bullish and bearish scenarios say about 3379?
Our models span a range for Insas Bhd: cautious scenario 0.9200 MYR, base 1.13 MYR, optimistic 1.27 MYR per share (as of Sep 24, 2026, price 0.8850 MYR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 3379?
Insas Bhd trades at a price-to-earnings ratio of 5.5 (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 1.13 MYR is built from several models across several years. Other multiples: P/B 0.1, P/S 0.6.
How solid is the balance sheet of Insas Bhd (3379)?
Balance-sheet figures for Insas Bhd (as of Sep 24, 2026): return on equity 4.3%, debt of 0.01 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is 3379 from its 52-week high?
Insas Bhd trades at 0.8850 MYR, about 7% below its 52-week high of 0.9500 MYR and 10% above the low of 0.8022 MYR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 1.13 MYR is for.
Which stocks are comparable to Insas Bhd?
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 Insas Bhd stock attractive at the current price?
The data as of Sep 24, 2026: price 0.8850 MYR, calculated fair value 1.13 MYR (+28%), Quality Score 53/100, from 8 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 3379 calculated?
We run Insas Bhd through 8 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 1.13 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. Insas Bhd currently trades 28 % 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 Insas Bhd (3379)?
The closing price on Sep 24, 2026 was 0.8850 MYR. Our model-based fair value is 1.13 MYR, about +28% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Insas Bhd right now?
The price is below even our cautious bear case (0.9200 MYR). The market is more pessimistic than our downside scenario. Solid quality (53/100) at a price below fair value, the discount is the argument here, not the business quality. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Insas Bhd

How large is the market capitalisation of Insas Bhd (3379)?
The market capitalisation of Insas Bhd is 611M MYR (≈ $150M). 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 Insas Bhd (3379)?
The price-to-sales ratio of Insas Bhd is 2.12 (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 Insas Bhd (3379)?
Earnings per share at Insas Bhd are 0.1600 MYR (price ÷ EPS = P/E 5.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Insas Bhd (3379)?
The dividend yield of Insas Bhd is 3.4% (payout 18.8%). 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 Insas Bhd (3379)?
The net margin of Insas Bhd is 38.3% (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 Insas Bhd (3379)?
The return on equity (ROE) of Insas Bhd is 4.3% (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 Insas Bhd (3379)?
On an EBIT basis the return on assets of Insas Bhd is 1.1% (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 Insas Bhd (3379)?
The operating margin of Insas Bhd is 32.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Insas Bhd (3379)?
Revenue at Insas Bhd is growing −49.2% versus a year earlier (3y avg +4.3%). 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 Insas Bhd (3379)?
Earnings per share at Insas Bhd are growing +25.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Insas Bhd (3379) generate?
The free cash flow of Insas Bhd is −98.6M MYR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Insas Bhd (3379) carry?
The net debt of Insas Bhd is 117M MYR (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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