FIT Holding Co Ltd (3712) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of FIT Holding Co Ltd TWD 38.04, price TWD 20.70, upside +83.8%, quality 29 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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FIT Holding Co., Ltd., together with its subsidiaries, engages in production, manufacturing, and trading of optical instrument components. It offers computer peripheral components, 3C products, image scanners, multifunction printers, and investment and development of power plant and cleaning energy services.
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FIT Holding Co., Ltd., together with its subsidiaries, engages in production, manufacturing, and trading of optical instrument components. It offers computer peripheral components, 3C products, image scanners, multifunction printers, and investment and development of power plant and cleaning energy services. The company also Involved in manufacturing and selling of optical lens components, image scanners and multifunction printers, telecommunication components, components of communication and consumer electronics, and parts and moulds of photocopiers and scanners. In addition, it is involved in energy service management; general investments holding; sales agency; production and processing and sale of optical lens components and other products; energy service management; mould development and moulding tool manufacturing; sale of electronic telecommunication components; specialized investments; sale of medical instruments; supply chain finance energy service management; natural gas service management; afforestation; electricity generating; maritime engineering; and energy technical services. The company was incorporated in 2018 and is based in New Taipei City, Taiwan.
Stock analysis
FIT Holding Co Ltd (3712) currently trades at 20.70 TWD, while our model-based Fair Value estimate is 38.04 TWD, implying the stock looks roughly 45.6% undervalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of 33.20 TWD per share, and 2 of the 3 models we run sit above the 20.70 TWD price.
Bear case: the Asset-Based group reads lowest at 9.02 TWD, and 1 of the 3 models stay below the price. Evidence for this calculation is low.
Scenario range: 21.99 TWD (bear) to 50.64 TWD (bull), the price of 20.70 TWD 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 29/100 (below-average quality), in the Technology sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
FIT Holding Co Ltd reported revenue of 32.8B TWD in FY2025 versus 11.2B TWD in FY2021, a compound +30.7%/yr. Reported net income was −5.6B TWD in FY2025.
Key figures
Market cap 5.1B TWD (≈ $161M) · P/S ratio 0.14 · EPS (TTM) −22.85 TWD · Net margin −17.1% · Return on equity −124% · Return on assets (EBIT) −3.4% · Operating margin 31.6% · Revenue (TTM) 31.4B TWD.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).
What moves the price
The share trades about 48% below its 52-week high and 38% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −41% fair-value upside, at 84%, 3712 screens cheaper than that median.
Fair Value models
Bear 21.99 TWDFair Value 38.04 TWDBull 50.64 TWD
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.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.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.38/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+22.0%
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.
+39.6%
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.
+36.0%
Start year 2020 (pandemic). Over 10 years: +33.5% a year
Revenue growth 13 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.
+32.1%
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Profit margin (trend) ⓘ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.
5.7% (2020) → −53.6% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
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.Semiconductors · 338 stocks
Beats the industry median on 4/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score29 · Bottom 25%
Fair Value upside+83.8% · Top 25%
Profitability
Return on assets−15.2% · Bottom 25%
Net margin (TTM)−20.2% · Bottom 25%
Operating margin (TTM)31.6% · Top 25%
Growth and dividend
Revenue growth−19.2% · Bottom 25%
Dividend yield (TTM)16.3% · Top 25%
Balance sheet
Debt / equity3.15× · Highest 25%
Valuation Multiplesvs Semiconductors median · lower = cheaper
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Cite: Fair Value Calculator (2026). "FIT Holding Co Ltd Fair Value". https://www.fairvalue-calculator.com/stock/3712
Frequently asked questions
Is FIT Holding Co Ltd (3712) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of 38.04 TWD versus a price of 20.70 TWD, about +84% upside (undervalued).
What is the fair value of 3712?
Our model-based fair value for FIT Holding Co Ltd is 38.04 TWD (as of Sep 27, 2026), built from audited fundamentals. The current price: 20.70 TWD.
What is the quality score of 3712?
FIT Holding Co Ltd has a Quality Score of 29/100. 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 FIT Holding Co Ltd (3712)?
Our model-based price target is the fair value of 38.04 TWD (as of Sep 27, 2026) from 3 valuation models. Cautious scenario 21.99 TWD, optimistic scenario 50.64 TWD. It is a calculation from audited fundamentals, not an analyst target.
What is the FIT Holding Co Ltd stock forecast for 2026?
Our models put fair value at 38.04 TWD, about +84% upside versus a price of 20.70 TWD (undervalued). Cautious scenario 21.99 TWD, optimistic scenario 50.64 TWD. The calculation is refreshed regularly with new filings.
What is the revenue of FIT Holding Co Ltd (3712)?
FIT Holding Co Ltd reported trailing-twelve-month revenue of about 31.4B TWD (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of FIT Holding Co Ltd (3712)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For FIT Holding Co Ltd it is 38.04 TWD per share (as of Sep 27, 2026), against a price of 20.70 TWD. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is FIT Holding Co Ltd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 3712 trades below its calculated fair value: price 20.70 TWD, fair value 38.04 TWD, a gap of about +84% (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 3712?
No. The price is what the market pays today (20.70 TWD); the fair value is what the company's own numbers justify (38.04 TWD). For FIT Holding Co Ltd the two are 17.34 TWD per share apart. That gap is exactly why we show both numbers side by side.
How much is FIT Holding Co Ltd worth?
The market values FIT Holding Co Ltd at about 5.1B TWD (market capitalisation, as of Sep 27, 2026). Per share that is 20.70 TWD; our models calculate a fair value of 38.04 TWD per share.
What do the bullish and bearish scenarios say about 3712?
Our models span a range for FIT Holding Co Ltd: cautious scenario 21.99 TWD, base 38.04 TWD, optimistic 50.64 TWD per share (as of Sep 27, 2026, price 20.70 TWD). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of FIT Holding Co Ltd (3712)?
Balance-sheet figures for FIT Holding Co Ltd (as of Sep 27, 2026): return on equity −124.3%, debt of 3.15 per unit of equity. They feed the Quality Score of 29/100, which measures business quality independently of the share price.
How far is 3712 from its 52-week high?
FIT Holding Co Ltd trades at 20.70 TWD, about 48% below its 52-week high of 39.95 TWD and 38% above the low of 14.95 TWD (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 38.04 TWD is for.
Which stocks are comparable to FIT Holding Co Ltd?
From the same area (Technology) we also value NVIDIA Corporation, Taiwan Semiconductor Manufacturing Company, Broadcom Inc, Micron Technology, Inc, 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 FIT Holding Co Ltd stock attractive at the current price?
The data as of Sep 27, 2026: price 20.70 TWD, calculated fair value 38.04 TWD (+84%), Quality Score 29/100, from 3 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 3712 calculated?
We run FIT Holding Co Ltd through 3 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 38.04 TWD, 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 16.1 % above its aggregate fair value. FIT Holding Co Ltd currently trades 84 % 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 FIT Holding Co Ltd (3712)?
The closing price on Sep 24, 2026 was 20.70 TWD. Our model-based fair value is 38.04 TWD, about +84% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with FIT Holding Co Ltd right now?
The large discount to fair value meets weak quality (29/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (21.99 TWD). 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. A fairly wide model range (21.99 TWD to 50.64 TWD) leaves room in how you read the outcome.
Where does the earnings growth of FIT Holding Co Ltd (3712) come from?
Earnings per share at FIT Holding Co Ltd grew +3.2 % a year from 2014 to 2025. Broken into its drivers: revenue per share +20.1 %, EBIT margin −12.6 %, tax rate −0.3 %, residual (interest, one-offs) −1.4 %. 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 FIT Holding Co Ltd
How large is the market capitalisation of FIT Holding Co Ltd (3712)?
The market capitalisation of FIT Holding Co Ltd is 5.1B TWD (≈ $161M). 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 FIT Holding Co Ltd (3712)?
The price-to-sales ratio of FIT Holding Co Ltd is 0.14 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of FIT Holding Co Ltd (3712)?
Earnings per share at FIT Holding Co Ltd are −22.85 TWD. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of FIT Holding Co Ltd (3712)?
The net margin of FIT Holding Co Ltd is −17.1% (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 FIT Holding Co Ltd (3712)?
The return on equity (ROE) of FIT Holding Co Ltd is −124% (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 FIT Holding Co Ltd (3712)?
On an EBIT basis the return on assets of FIT Holding Co Ltd is −3.4% (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 FIT Holding Co Ltd (3712)?
The operating margin of FIT Holding Co Ltd is 31.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at FIT Holding Co Ltd (3712)?
Revenue at FIT Holding Co Ltd is growing −19.2% versus a year earlier (3y avg +39.6%). 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 FIT Holding Co Ltd (3712)?
Earnings per share at FIT Holding Co Ltd are growing +22.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does FIT Holding Co Ltd (3712) generate?
The free cash flow of FIT Holding Co Ltd is −14.8B TWD (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 FIT Holding Co Ltd (3712) carry?
The net debt of FIT Holding Co Ltd is 39.8B TWD (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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