Censof Holdings (5195) Fair Value & Analysis
Technology · MY · Market cap 102M MYR
Fair value as of: Jul 15, 2026
From 24 valuation models · updated 26 days ago
Share price +8.3% over the past month.
A solid business, screening 23% undervalued on our models.
What matters now
- Solid quality (65/100) at a price below fair value, the discount is the argument here, not the business quality.
- A fairly wide model range (0.1500 MYR to 0.3100 MYR) leaves room in how you read the outcome.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 15, 2026.
How to read this chart
60‑month range 0.1600 MYR – 0.4854 MYR · fair‑value band 0.1500 MYR – 0.3100 MYR · the 0.1950 MYR price screens below the 0.2400 MYR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 15, 2026.
Analysis
Censof Holdings (5195) currently trades at 0.1950 MYR, while our model-based Fair Value estimate is 0.2400 MYR, implying the stock looks roughly 23.1% undervalued today. The Quality Score stands at 65/100 (solid quality), in the Technology sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Censof Holdings generated revenue of 110M MYR at a net margin of 6.3%. Revenue grew 34.3% year over year. It earns a return on equity of 7.4%. The balance sheet holds a net cash position of 23.6M MYR. Fundamentals as of Jul 15, 2026
Our scenario range runs from 0.1500 MYR (bear case) to 0.3100 MYR (bull case); at 0.1950 MYR, the current price sits within 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 24% below its 52-week high and 22% above its 52-week low, currently below its 200-day average. For context, the median of 10 Technology peers we cover trades at -27% fair-value upside, at 23%, 5195 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.
All 24 models by family
Widest divergence: Multiples (0.2500 MYR) versus Growth DCF (0.0700 MYR). Highest evidence: Growth DCF (80).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 15, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 62 · Market factors (momentum, volatility) 49
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
Censof Holdings Berhad, an investment holding company, engages in the design, development, implementation, and marketing of financial management software in Malaysia, Singapore, and Indonesia.
Full company description
Censof Holdings Berhad, an investment holding company, engages in the design, development, implementation, and marketing of financial management software in Malaysia, Singapore, and Indonesia. It operates through five segments: Financial Management Solutions for Government, Financial Management Solutions for Commercial, Corporate Services, Wealth Management Solutions, and Digital Technology. The company provides corporate services and treasury functions and investments; portfolio management, fund accounting, unit registry, selling agent and online transaction. It also offers information technology consultancy and services for system integration, cloud-based solutions, e-procurement, and e-tendering; information technology services; and engages in the business as IT and software solution consultants. In addition, the company is involved in acting as a service provider for financial applications, electronic payments, and wealth management applications; selling of computerized accounting system; provision of enterprise resource planning software; computer consultancy, computer facilities management, and business of trading in business software and providing support services. It serves its products to government agencies, large corporations, and small and medium enterprises (SMEs), as well as micro-SMEs. The company was formerly known as Century Software Holdings Berhad. The company was incorporated in 2008 and is based in Petaling Jaya, Malaysia.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Censof Holdings reported revenue of 110M MYR in FY2026 versus 110M MYR in FY2022, a compound −0.1%/yr. Reported net income was 6.9M MYR in FY2026, compounding −21.8%/yr from FY2022.
of which total revenue −3.9 pp · buybacks/dilution −0.2 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
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Peer Group
Software - Application · 709 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.
Valuation Multiples vs Software - Application median · lower = cheaper
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.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Software - Application stocks, each showing price versus our Fair Value estimate (as of Jul 15, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| SAP SE SAPS | C$12.69 | C$16.26 | +28% |
| Shopify Inc SHOP | C$173.23 | C$20.54 | -88% |
| Uber Technologies, Inc UBER | $72.67 | $51.11 | -30% |
| Salesforce, Inc CRM | $170.77 | $182.10 | +7% |
| ServiceNow, Inc NOW | $107.71 | $33.12 | -69% |
| Cadence Design Systems, Inc CDNS | $384.17 | $80.41 | -79% |
| Snowflake Inc SNOW | $271.87 | $34.04 | -87% |
| Adobe Inc ADBE | $230.61 | $379.48 | +65% |
| Automatic Data Processing, Inc ADP | $241.92 | $177.51 | -27% |
| Intuit Inc INTU | $291.09 | $258.69 | -11% |
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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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