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ZICO HOLDINGS INC. (40W) Fair Value & Analysis

Industrials · SG · Market cap 20.6M SGD

ZH ZICO HOLDINGS INC. 40W · SG
Price0.0570 SGD
Fair Value0.0486 SGD
Upside-14.7%
Quality45/100
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Weak Growth
Thin margins · 2.1% net margin
Low debt · negative free cash flow
2.00% dividend yield
Trails peers (2/11)
Narrow moat 10/100
Evidence: Medium Range 0.0422 SGD – 0.0550 SGD Share as image

Fair value as of: Aug 13, 2026

From 10 valuation models · updated 4 days ago

Fair value updated Aug 13, 2026, revised from 0.0480 SGD to 0.0486 SGD (+1.2%) since Aug 8, 2026. Share price +14.0% over the past month.

Below-average quality, and screening another 15% overvalued on our models.

What matters now

  • The price sits above even our optimistic bull case (0.0550 SGD). The favourable scenario is already priced in.
  • Solid but not exceptional quality (45/100) and above fair value, neither a clear bargain nor a standout compounder.
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Price vs Fair Value (5 years)

0.1102 SGD 0.0283 SGD Fair Value 0.0486 SGD Apr 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.

How to read this chart

60‑month range 0.0283 SGD – 0.1102 SGD · fair‑value band 0.0422 SGD – 0.0550 SGD · the 0.0570 SGD price screens above the 0.0486 SGD fair value. Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

ZICO HOLDINGS INC. (40W) currently trades at 0.0570 SGD, while our model-based Fair Value estimate is 0.0486 SGD, implying the stock looks roughly 14.7% overvalued today. The Quality Score stands at 45/100 (below-average quality), in the Industrials 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: medium).

Over the trailing twelve months, ZICO HOLDINGS INC. generated revenue of 14.3M SGD at a net margin of 2.1%. Revenue declined 1.2% year over year. It earns a return on equity of 2.1%. Net debt stands at 3.6M SGD. Fundamentals as of Aug 13, 2026

Our scenario range runs from 0.0422 SGD (bear case) to 0.0550 SGD (bull case); at 0.0570 SGD, the current price sits above 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 share trades about 34% below its 52-week high and 101% above its 52-week low, currently above its 200-day average. For context, the median of 10 Industrials peers we cover trades at -38% fair-value upside, at -15%, 40W 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
Residual Income 0.0500 SGD 0.0500 SGD 0.0400 SGD 76
Gordon GGM 0.0200 SGD 0.0200 SGD 0.0200 SGD 70
Growth-Adj P/E 0.0300 SGD 0.0400 SGD 0.0500 SGD 68
All 10 models by family
DCF Models
Owner Earnings 0.0600 SGD 0.0700 SGD 0.0900 SGD 31
Earnings-Based
Graham-Dodd 0.0200 SGD 0.0200 SGD 0.0200 SGD 54
Dividend Discount
Gordon GGM 0.0200 SGD 0.0200 SGD 0.0200 SGD 70
DDM Multi-Stage 0.0200 SGD 0.0200 SGD 0.0200 SGD 61
Multiples
P/E Multiple 0.0400 SGD 0.0500 SGD 0.0700 SGD 63
P/S Multiple 0.0300 SGD 0.0400 SGD 0.0500 SGD 58
P/B Multiple 0.0300 SGD 0.0400 SGD 0.0500 SGD 55
Asset-Based
NCAV (Graham) 0.0400 SGD 0.0500 SGD 0.0700 SGD 50
Economic Profit
Residual Income 0.0500 SGD 0.0500 SGD 0.0400 SGD 76
Growth Earnings
Growth-Adj P/E 0.0300 SGD 0.0400 SGD 0.0500 SGD 68

Widest divergence: DCF Models (0.0700 SGD) versus Earnings-Based (0.0200 SGD). Highest evidence: Residual Income (76).

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Key figures & financial health

Revenue (TTM) 14.3M SGD
Revenue growth (YoY) -1.2%
Net margin 2.1%
Return on equity 2.1%
Free cash flow −504K SGD FY2025
Operating margin -31.9%
More key figures
EPS (TTM) -0.0200 SGD
Dividend yield 2.0%
EPS growth (YoY) -91.4%
Net debt 3.6M SGD FY2025

Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 45/100

Of which business quality 46 · Market factors (momentum, volatility) 54

Profitability 42
Margins and returns on capital today
Quality Growth 35
Are margins and returns improving?
Cashflow 5
Earnings quality: real cash, not paper profit
Fin. Strength 64
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 54
Price trend over the last 3–12 months (market factor)
52W Momentum 60
Distance to the 52-week high (market factor)
Net Issuance 52
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

ZICO Holdings Inc., an investment holding company, provides multidisciplinary professional services in Singapore, Malaysia, Thailand, Indonesia, China, Hong Kong, the United States, and internationally. It operates in two segments, Advisory and Transactional Services; and Management, Support Services and Licensing Services.

Full company description

ZICO Holdings Inc., an investment holding company, provides multidisciplinary professional services in Singapore, Malaysia, Thailand, Indonesia, China, Hong Kong, the United States, and internationally. It operates in two segments, Advisory and Transactional Services; and Management, Support Services and Licensing Services. The company offers legal, Shariah advisory, trust, incorporation and corporate secretarial, investor, intellectual property, wealth management, fund management, external asset management, corporate finance advisory, insourcing and consultancy, legacy management, and immigration services. It also provides strategic advisory, market intelligence, and risk management services; and information technology, human resource, training, and corporate communications services, as well as accounting and finance. In addition, the company licenses the ZICO trademarks, as well as offers corporate and related consulting, legal advisory, resourcing and advisory, share registration, business support, asset and wealth management, and marketing services. Further, it provides trustee, fiduciary, and custody; tax administration, payroll, and accounting support; insourcing and outsourcing; business and management consultancy; and capital markets services, as well as leases non-financial intangible assets. The company serves governments and government-linked companies, law firms, private and public companies, small and medium enterprises, multinational corporations, multi-ASEAN, family offices, and high-net-worth individuals. The company was formerly known as ZICOlaw Holdings Inc. and changed its name to ZICO Holdings Inc. in April 2014. ZICO Holdings Inc. was incorporated in 2010 and is based in Singapore.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

ZICO HOLDINGS INC. reported revenue of 14.3M SGD in FY2025 versus 69.0M SGD in FY2021, a compound −32.5%/yr. Reported net income was 1.0M SGD in FY2025, compounding +3.9%/yr from FY2021.

Growth Quality 20/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2025)
14.3M SGD
Latest YoY
+2.1%
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.
−39.6%
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.
−25.9%
Avg. growth/yr (12Y) 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.
−2.4%
Revenue −32.5%/yr
FY21 69.0M SGD
FY22 64.9M SGD
FY23 17.2M SGD
FY24 14.0M SGD
FY25 14.3M SGD
Net income +3.9%/yr
FY21 882K SGD
FY22 −865K SGD
FY23 −7.3M SGD
FY24 −5.6M SGD
FY25 1.0M SGD

40W screens 15% overvalued. Compare with Cintas Corporation →

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Cite: Fair Value Calculator (2026). "ZICO HOLDINGS INC. Fair Value". https://www.fairvalue-calculator.com/stock/40W

Peer Group

Specialty Business Services · 248 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 45 · Below median
Fair Value upside −12% · Below median
Return on equity (TTM) 2% · Below median
Return on assets -7% · Bottom 25%
Net margin (TTM) 2% · Below median
Operating margin (TTM) -32% · Bottom 25%
Revenue growth -1% · Below median
Dividend yield (TTM) 2.0% · Below median
Debt / equity 0.01× · Lower than median

Valuation Multiples vs Specialty Business Services median · lower = cheaper

P/B 0.55× · Cheaper than 75% of peers
P/S (TTM) 1.13× · Pricier 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 17 · sector 25
FUTURE 0 · sector 25
PAST 8 · sector 35
HEALTH 100 · sector 91
DIVIDEND 40 · sector 52

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 Specialty Business Services stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).

Stock Price Fair Value vs Fair Value
Cintas Corporation CTAS $199.52 $95.19 -52%
RELX PLC RELX $34.55 $32.24 -7%
Thomson Reuters Corporation TRI C$142.85 C$70.40 -51%
Copart, Inc CPRT $28.99 $28.59 -1%
Global Payments Inc GPN $88.53 $68.98 -22%
RB Global, Inc RBA C$120.52 C$49.14 -59%
Brambles Limited BXB A$19.89 A$12.28 -38%
UL Solutions Inc ULS $76.68 $33.62 -56%
Aramark ARMK $60.35 $13.18 -78%
ISS A/S ISS kr 288.20 kr 251.13 -13%

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Frequently asked questions

Is ZICO HOLDINGS INC. (40W) overvalued or undervalued?
As of Aug 13, 2026, our model estimates a fair value of 0.0486 SGD versus a price of 0.0570 SGD, about −15% (overvalued).
What is the fair value of 40W?
Our model-based fair value for ZICO HOLDINGS INC. is 0.0486 SGD (as of Aug 13, 2026), built from audited fundamentals. The current price is 0.0570 SGD.
What is the quality score of 40W?
ZICO HOLDINGS INC. has a Quality Score of 45/100. 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 ZICO HOLDINGS INC. (40W)?
ZICO HOLDINGS INC. reported trailing-twelve-month revenue of about 14.3M SGD (latest available figure, as of Aug 13, 2026).
What is the net profit margin of 40W?
The net profit margin of ZICO HOLDINGS INC. is about 2.1%, meaning it keeps roughly 2.1% of revenue as net income. Based on the latest reported figures.
Does ZICO HOLDINGS INC. pay a dividend?
ZICO HOLDINGS INC. currently shows a dividend yield of about 2.00% relative to its recent price (as of Aug 13, 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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