Versatile Creative Bhd (4995) fair value: what the stock is really worth
As of Sep 22, 2026: fair value of Versatile Creative Bhd MYR 0.77, price MYR 0.82, upside -6.1%, quality 54 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Versatile Creative Berhad, an investment holding company, manufactures paper and cardboard packaging products in Malaysia and internationally. The company operates through Paper Products, Plastic Products, Colour Separation and Printing, Grocery, and Others segments.
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Versatile Creative Berhad, an investment holding company, manufactures paper and cardboard packaging products in Malaysia and internationally. The company operates through Paper Products, Plastic Products, Colour Separation and Printing, Grocery, and Others segments. The Paper products segment engages in the manufacturing and trading of paper board packaging products, focusing on offset-printed boxes and offset-laminated cartons. The Plastic Products segment manufactures and sells plastic packaging products, such as combo lids, dairy scoops, chilled food tubs and lids, and noodle cups. The Colour Separation and Printing segment provides color separation and lithography services, as well as printed materials. The Grocery segment engages in the retail and wholesale of foodstuffs through supermarkets and the internet. The Other segment offers outdoor advertising media services. It also offers things comprising printing, scanning, and inkjet proofing to desktop publishing, synology backup, and media digital transmission. In addition, the company operates grocery stores; supermarkets, and hypermarkets; wholesales, retails, online retails, imports, exports, buys, sells, deals in, distributes, and processes food products; and provides packaging services for various consumer products, goods, merchandises, produce products, foodstuffs, things, and commodities. Further, it engages in the retail sale of alcoholic beverages, wine, liquor, and food processing and packaging of non-halal groceries, as well as operates vintry, wine bars, restaurants, and cafés. Versatile Creative Berhad is based in Kuala Lumpur, Malaysia.
Stock analysis
Versatile Creative Bhd (4995) currently trades at 0.8200 MYR, while our model-based Fair Value estimate is 0.7700 MYR, implying the stock looks roughly 6.5% fairly valued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of 0.9400 MYR per share, and 9 of the 22 models we run sit above the 0.8200 MYR price.
Bear case: the Asset-Based group reads lowest at 0.2300 MYR, and 13 of the 22 models stay below the price. Evidence for this calculation is low.
Scenario range: 0.3700 MYR (bear) to 0.8700 MYR (bull), the price of 0.8200 MYR sits inside 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 54/100 (solid quality), in the Consumer Cyclical sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Versatile Creative Bhd reported revenue of 454M MYR in FY2026 versus 54.7M MYR in FY2022, a compound +69.7%/yr. Reported net income was 7.8M MYR in FY2026.
Key figures
Market cap 252M MYR (≈ $61.8M) · P/E ratio 41.0 · P/S ratio 0.70 · EPS (TTM) 0.0200 MYR · Net margin 1.7% · Return on equity 13.3% · Return on assets (EBIT) 4.8% · Operating margin 4.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 43 out of 100 (low confidence).
What moves the price
The share trades about 18% below its 52-week high and 6% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at −21% fair-value upside, at −6%, 4995 screens cheaper than that median.
Fair Value models
Bear 0.3700 MYRFair Value 0.7700 MYRBull 0.8700 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 2026 figures (about 6 months old). Earnings retained since then (0.0097 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.
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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+20.8%
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.
+46.2%
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.
+61.0%
Start year 2021 (pandemic). Over 10 years: +26.1% 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.
+17.1%
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What shareholders gained per year (last 5 years), in MYR (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. 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.
+6.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+6.1%
Dividend (yield on the price)0.0%
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.6% vs 47%, slowing
Profit margin 2021 to 2026 ⓘ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.9% → 4%
2026 sits 54% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Start year 2021 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+71.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Malaysia: IMF forecast 2.0% a year to 2030, 1.8% from 2016 to 2025) that is about +67.9% a year for the price.
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.Packaging & Containers · 272 stocks
Beats the industry median on 6/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score54 · Above median
Fair Value upside−6% · Above median
Profitability
Return on equity (TTM)13% · Top 25%
Return on assets5% · Top 25%
Net margin (TTM)2% · Below median
Operating margin (TTM)4% · Below median
Growth and dividend
Revenue growth25% · Top 25%
Balance sheet
Debt / equity0.22× · Above median
Valuation Multiplesvs Packaging & Containers median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Versatile Creative Bhd Fair Value". https://www.fairvalue-calculator.com/stock/4995
Frequently asked questions
Is Versatile Creative Bhd (4995) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of 0.7700 MYR versus a price of 0.8200 MYR, about −6% upside (fairly valued).
What is the fair value of 4995?
Our model-based fair value for Versatile Creative Bhd is 0.7700 MYR (as of Sep 23, 2026), built from audited fundamentals. The current price: 0.8200 MYR.
What is the quality score of 4995?
Versatile Creative Bhd has a Quality Score of 54/100. 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 Versatile Creative Bhd (4995)?
Our model-based price target is the fair value of 0.7700 MYR (as of Sep 23, 2026) from 22 valuation models. Cautious scenario 0.3700 MYR, optimistic scenario 0.8700 MYR. It is a calculation from audited fundamentals, not an analyst target.
What is the Versatile Creative Bhd stock forecast for 2026?
Our models put fair value at 0.7700 MYR, about −6% upside versus a price of 0.8200 MYR (fairly valued). Cautious scenario 0.3700 MYR, optimistic scenario 0.8700 MYR. The calculation is refreshed regularly with new filings.
What is the revenue of Versatile Creative Bhd (4995)?
Versatile Creative Bhd reported trailing-twelve-month revenue of about 454M MYR (latest available figure, as of Sep 23, 2026).
What growth is priced into Versatile Creative Bhd (4995)?
For today's price to be fair in a discounted-cash-flow model, Versatile Creative Bhd would have to grow free cash flow by +71.2 % per year for five years (discount rate 12.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +61.0 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of 4995 use?
Our models discount Versatile Creative Bhd at 12.6 %: a base by market capitalisation (micro), damped by beta 0.39, country premium for Malaysia. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Versatile Creative Bhd that is +71.2 % per year a year over ten years, using the same discount rate (12.6 %) and the same formula as our fair value.
How much growth has Versatile Creative Bhd (4995) delivered so far?
Over the past 5 years revenue at Versatile Creative Bhd grew +61.0 % a year. The price currently implies +71.2 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Versatile Creative Bhd (4995) growing?
The median revenue growth in the sector is +3.3 % a year. That is the yardstick for the growth priced into Versatile Creative Bhd (+71.2 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Versatile Creative Bhd (4995)?
The free-cash-flow yield on the price is 0.39 %: that much free cash flow Versatile Creative Bhd produces per unit of market value. When it exceeds the discount rate of our models (12.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Versatile Creative Bhd (4995)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Versatile Creative Bhd it is 0.7700 MYR per share (as of Sep 23, 2026), against a price of 0.8200 MYR. It is the blended result of 22 valuation models (cash flow, earnings, asset, dividend).
Is Versatile Creative Bhd stock overvalued or undervalued in 2026?
As of Sep 23, 2026, 4995 trades above its calculated fair value: price 0.8200 MYR, fair value 0.7700 MYR, a gap of about −6% (fairly valued). 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 4995?
No. The price is what the market pays today (0.8200 MYR); the fair value is what the company's own numbers justify (0.7700 MYR). For Versatile Creative Bhd the two are 0.0500 MYR per share apart. That gap is exactly why we show both numbers side by side.
How much is Versatile Creative Bhd worth?
The market values Versatile Creative Bhd at about 252M MYR (market capitalisation, as of Sep 23, 2026). Per share that is 0.8200 MYR; our models calculate a fair value of 0.7700 MYR per share.
What do the bullish and bearish scenarios say about 4995?
Our models span a range for Versatile Creative Bhd: cautious scenario 0.3700 MYR, base 0.7700 MYR, optimistic 0.8700 MYR per share (as of Sep 23, 2026, price 0.8200 MYR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 4995?
Versatile Creative Bhd trades at a price-to-earnings ratio of 41.0 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 0.7700 MYR is built from several models across several years. Other multiples: P/B 2.6, P/S 0.6, EV/EBITDA 8.8.
How solid is the balance sheet of Versatile Creative Bhd (4995)?
Balance-sheet figures for Versatile Creative Bhd (as of Sep 23, 2026): return on equity 13.3%, debt of 0.22 per unit of equity. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is 4995 from its 52-week high?
Versatile Creative Bhd trades at 0.8200 MYR, about 18% below its 52-week high of 1.00 MYR and 6% above the low of 0.7700 MYR (as of Sep 22, 2026). Distance from the high says nothing about value: that is what the fair value of 0.7700 MYR is for.
Which stocks are comparable to Versatile Creative Bhd?
From the same area (Consumer Cyclical) we also value Smurfit Westrock Plc,, Packaging Corporation, International Paper Company, Ball Corporation, 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 Versatile Creative Bhd stock attractive at the current price?
The data as of Sep 23, 2026: price 0.8200 MYR, calculated fair value 0.7700 MYR (−6%), Quality Score 54/100, from 22 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 4995 calculated?
We run Versatile Creative Bhd through 22 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 0.7700 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 14.1 % above its aggregate fair value. Versatile Creative Bhd 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 Versatile Creative Bhd (4995)?
The closing price on Sep 22, 2026 was 0.8200 MYR. Our model-based fair value is 0.7700 MYR, about −6% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Versatile Creative Bhd right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range (0.3700 MYR to 0.8700 MYR) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
Key figures of Versatile Creative Bhd
How large is the market capitalisation of Versatile Creative Bhd (4995)?
The market capitalisation of Versatile Creative Bhd is 252M MYR (≈ $61.8M). 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 Versatile Creative Bhd (4995)?
The price-to-sales ratio of Versatile Creative Bhd is 0.70 (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 Versatile Creative Bhd (4995)?
Earnings per share at Versatile Creative Bhd are 0.0200 MYR (price ÷ EPS = P/E 41.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Versatile Creative Bhd (4995)?
The net margin of Versatile Creative Bhd is 1.7% (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 Versatile Creative Bhd (4995)?
The return on equity (ROE) of Versatile Creative Bhd is 13.3% (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 Versatile Creative Bhd (4995)?
On an EBIT basis the return on assets of Versatile Creative Bhd is 4.8% (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 Versatile Creative Bhd (4995)?
The operating margin of Versatile Creative Bhd is 4.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Versatile Creative Bhd (4995)?
Revenue at Versatile Creative Bhd is growing +24.9% versus a year earlier (3y avg +46.2%). 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 Versatile Creative Bhd (4995)?
Earnings per share at Versatile Creative Bhd are growing +4.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Versatile Creative Bhd (4995) carry?
The net debt of Versatile Creative Bhd is 15.6M MYR (fiscal year 2020, ≈ 17.2 yrs of FCF). 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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