EPS Creative Health Technology Group Ltd (3860) fair value: what the stock is really worth
As of Sep 30, 2026: fair value of EPS Creative Health Technology Group Ltd HK$0.26, price HK$0.59, upside -55.6%, quality 40 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range HK$0.4020 – HK$1.96 · the HK$0.5850 price screens above the HK$0.2600 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 27, 2026.
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EPS Creative Health Technology Group Limited, an investment holding company, operates as an apparel supply chain management service provider in Hong Kong, Mainland China, Japan, the United States, Europe, and internationally. It operates through Garment Business; Healthcare Products Business; and IRO with CRO and In-House R&D Business segments.
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EPS Creative Health Technology Group Limited, an investment holding company, operates as an apparel supply chain management service provider in Hong Kong, Mainland China, Japan, the United States, Europe, and internationally. It operates through Garment Business; Healthcare Products Business; and IRO with CRO and In-House R&D Business segments. The company offers knitwear products, such as women's, men's, and kid's wear products; and apparel supply chain management solutions for its customers ranging from fashion trend analysis, product design and development, sourcing and procurement of materials, production management, quality control, and logistics services. It also offers apparel supply chain management services; new drugs development; design and customers account services; and trades in healthcare products. It serves owners or sourcing agents of apparel retail brands. The company formerly known as Speed Apparel Holding Limited and changed its name to EPS Creative Health Technology Group Limited in August 2021. The company was founded in 1999 and is headquartered in Hung Hom, Hong Kong. EPS Creative Health Technology Group Limited is a subsidiary of EPS Holdings, Inc.
Stock analysis
EPS Creative Health Technology Group Ltd (3860) currently trades at HK$0.5850, while our model-based Fair Value estimate is HK$0.2600, 55.6% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of HK$0.2800 per share, and 1 of the 6 models we run sit above the HK$0.5850 price.
Bear case: the Asset-Based group reads lowest at HK$0.1400, and 5 of the 6 models stay below the price. Evidence for this calculation is low.
Quality & growth
The Quality Score stands at 40/100 (below-average quality), in the Consumer Cyclical sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
EPS Creative Health Technology Group Ltd reported revenue of HK$458M in FY2026 versus HK$520M in FY2022, a compound −3.1%/yr. Reported net income was −HK$13.8M in FY2026.
Key figures
Market cap HK$305M (≈ $38.9M) · P/E ratio 14.6 · P/S ratio 0.68 · EPS (TTM) HK$0.0400 · Net margin −3.0% · Return on equity −7.0% · Return on assets (EBIT) −3.1% · Operating margin −0.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (low confidence).
What moves the price
The share trades about 28% below its 52-week high and 19% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at 10% fair-value upside, at −56%, 3860 screens richer than that median.
Fair Value models
Bear HK$0.2600Fair Value HK$0.2600Bull HK$0.2600
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 2026 figures (about 6 months old). Earnings retained since then (HK$0.0202 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.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.11/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−16.0%
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.
+0.3%
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.
+2.5%
Start year 2021 (pandemic). Over 10 years: +0.5% a year
Revenue growth 11 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.
+1.3%
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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.
1.8% (2021) → 0.2% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2026 is a loss year, no rate is defined from a loss
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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.Apparel Retail · 100 stocks
Beats the industry median on 4/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score40 · Bottom 25%
Fair Value upside−55.6% · Bottom 25%
Profitability
Return on assets−0.2% · Bottom 25%
Net margin (TTM)−3.0% · Bottom 25%
Operating margin (TTM)−0.2% · Below median
Growth and dividend
Revenue growth18.3% · Top 25%
Dividend yield (TTM)0.0% · Bottom 25%
Valuation Multiplesvs Apparel Retail median · lower = cheaper
P/E (TTM)14.6× · Cheaper than median
P/B0.37× · Cheapest 25%
P/S (TTM)0.09× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 59
FUTURE (revenue growth)92· sector 12
PAST (return on equity)0· sector 34
HEALTH (low debt)0· sector 100
DIVIDEND (yield)0· sector 55
VALUE 0: the price sits above our fair-value range.
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). "EPS Creative Health Technology Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/3860
Frequently asked questions
Is EPS Creative Health Technology Group Ltd (3860) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of HK$0.2600 versus a price of HK$0.5850, about −56% upside (overvalued).
What is the fair value of 3860?
Our model-based fair value for EPS Creative Health Technology Group Ltd is HK$0.2600 (as of Sep 27, 2026), built from audited fundamentals. The current price: HK$0.5850.
What is the quality score of 3860?
EPS Creative Health Technology Group Ltd has a Quality Score of 40/100. 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 EPS Creative Health Technology Group Ltd (3860)?
Our model-based price target is the fair value of HK$0.2600 (as of Sep 27, 2026) from 6 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the EPS Creative Health Technology Group Ltd stock forecast for 2026?
Our models put fair value at HK$0.2600, about −56% upside versus a price of HK$0.5850 (overvalued). The calculation is refreshed regularly with new filings.
What is the revenue of EPS Creative Health Technology Group Ltd (3860)?
EPS Creative Health Technology Group Ltd reported trailing-twelve-month revenue of about HK$458M (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of EPS Creative Health Technology Group Ltd (3860)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For EPS Creative Health Technology Group Ltd it is HK$0.2600 per share (as of Sep 27, 2026), against a price of HK$0.5850. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is EPS Creative Health Technology Group Ltd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 3860 trades above its calculated fair value: price HK$0.5850, fair value HK$0.2600, a gap of about −56% (overvalued). 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 3860?
No. The price is what the market pays today (HK$0.5850); the fair value is what the company's own numbers justify (HK$0.2600). For EPS Creative Health Technology Group Ltd the two are HK$0.3250 per share apart. That gap is exactly why we show both numbers side by side.
How much is EPS Creative Health Technology Group Ltd worth?
The market values EPS Creative Health Technology Group Ltd at about HK$305M (market capitalisation, as of Sep 27, 2026). Per share that is HK$0.5850; our models calculate a fair value of HK$0.2600 per share.
What is the P/E ratio of 3860?
EPS Creative Health Technology Group Ltd trades at a price-to-earnings ratio of 14.6 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of HK$0.2600 is built from several models across several years. Other multiples: P/B 0.4, P/S 0.1.
How solid is the balance sheet of EPS Creative Health Technology Group Ltd (3860)?
Balance-sheet figures for EPS Creative Health Technology Group Ltd (as of Sep 27, 2026): return on equity −7.0%. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is 3860 from its 52-week high?
EPS Creative Health Technology Group Ltd trades at HK$0.5850, about 28% below its 52-week high of HK$0.8100 and 19% above the low of HK$0.4900 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of HK$0.2600 is for.
Which stocks are comparable to EPS Creative Health Technology Group Ltd?
From the same area (Consumer Cyclical) we also value Industria de Diseño Textil, S.A, Fast Retailing Co, The TJX Companies, Inc, Ross Stores, 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 EPS Creative Health Technology Group Ltd stock attractive at the current price?
The data as of Sep 27, 2026: price HK$0.5850, calculated fair value HK$0.2600 (−56%), Quality Score 40/100, from 6 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 3860 calculated?
We run EPS Creative Health Technology Group Ltd through 6 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 HK$0.2600, 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. EPS Creative Health Technology Group Ltd itself currently trades above fair value. 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 EPS Creative Health Technology Group Ltd (3860)?
The closing price on Sep 30, 2026 was HK$0.5850. Our model-based fair value is HK$0.2600, about −56% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with EPS Creative Health Technology Group Ltd right now?
The price sits above even our optimistic bull case (HK$0.2600). The favourable scenario is already priced in. Weak quality (40/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
Key figures of EPS Creative Health Technology Group Ltd
How large is the market capitalisation of EPS Creative Health Technology Group Ltd (3860)?
The market capitalisation of EPS Creative Health Technology Group Ltd is HK$305M (≈ $38.9M). 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 EPS Creative Health Technology Group Ltd (3860)?
The price-to-sales ratio of EPS Creative Health Technology Group Ltd is 0.68 (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 EPS Creative Health Technology Group Ltd (3860)?
Earnings per share at EPS Creative Health Technology Group Ltd are HK$0.0400 (price ÷ EPS = P/E 14.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of EPS Creative Health Technology Group Ltd (3860)?
The net margin of EPS Creative Health Technology Group Ltd is −3.0% (fiscal year 2026). 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 EPS Creative Health Technology Group Ltd (3860)?
The return on equity (ROE) of EPS Creative Health Technology Group Ltd is −7.0% (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 EPS Creative Health Technology Group Ltd (3860)?
On an EBIT basis the return on assets of EPS Creative Health Technology Group Ltd is −3.1% (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 EPS Creative Health Technology Group Ltd (3860)?
The operating margin of EPS Creative Health Technology Group Ltd is −0.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at EPS Creative Health Technology Group Ltd (3860)?
Revenue at EPS Creative Health Technology Group Ltd is growing +18.3% versus a year earlier (3y avg +0.3%). 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 EPS Creative Health Technology Group Ltd (3860)?
Earnings per share at EPS Creative Health Technology Group Ltd are growing −48.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does EPS Creative Health Technology Group Ltd (3860) generate?
The free cash flow of EPS Creative Health Technology Group Ltd is −HK$23.6M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does EPS Creative Health Technology Group Ltd (3860) hold?
EPS Creative Health Technology Group Ltd holds more cash than debt, HK$126M net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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