Censof Holdings Bhd (5195) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Censof Holdings Bhd MYR 0.30, price MYR 0.22, upside +39.5%, quality 65 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 24, 2026.
How to read this chart
60‑month range 0.1600 MYR – 0.4854 MYR · fair‑value band 0.1900 MYR – 0.3900 MYR · the 0.2150 MYR price screens below the 0.3000 MYR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Censof Holdings Berhad, an investment holding company, engages in the design, development, implementation, and marketing of financial management software in Malaysia, Singapore, and Indonesia.
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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.
Stock analysis
Censof Holdings Bhd (5195) currently trades at 0.2150 MYR, while our model-based Fair Value estimate is 0.3000 MYR, implying the stock looks roughly 28.3% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 0.3500 MYR per share, and 16 of the 24 models we run sit above the 0.2150 MYR price.
Bear case: the Earnings-Based group reads lowest at 0.0800 MYR, and 8 of the 24 models stay below the price. Evidence for this calculation is low.
Scenario range: 0.1900 MYR (bear) to 0.3900 MYR (bull), the price of 0.2150 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 65/100 (solid quality), in the Technology sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Censof Holdings Bhd 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.
Key figures
Market cap 119M MYR (≈ $29.1M) · P/E ratio 21.5 · P/S ratio 1.35 · EPS (TTM) 0.0100 MYR · Net margin 6.3% · Return on equity 7.4% · Return on assets (EBIT) 8.7% · Operating margin 18.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 14% below its 52-week high and 34% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at −6% fair-value upside, at 40%, 5195 screens cheaper than that median.
Fair Value models
Bear 0.1900 MYRFair Value 0.3000 MYRBull 0.3900 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 (0.0049 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.48/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+4.8%
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.
+2.3%
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.
+4.7%
Start year 2021 (pandemic). Over 10 years: −4.0% a year
Revenue growth 18 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.
+10.5%
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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.
−30.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year−30.5%
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.−21% vs −3%, 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.14% → 12%
2026 sits 56% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Start year 2021 (pandemic)
⚠ Revenue per share shrinking 3.2%/yr over ~10Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
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).
+36.5%
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 +33.8% 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.Software - Application · 721 stocks
Beats the industry median on 11/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score65 · Above median
Fair Value upside+40% · Top 25%
Profitability
Return on equity (TTM)7% · Above median
Return on assets5% · Above median
Net margin (TTM)6% · Above median
Operating margin (TTM)19% · Top 25%
Growth and dividend
Revenue growth34% · Top 25%
Balance sheet
Debt / equity0.00× · Below median
Valuation Multiplesvs Software - Application median · lower = cheaper
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). "Censof Holdings Bhd Fair Value". https://www.fairvalue-calculator.com/stock/5195
Frequently asked questions
Is Censof Holdings Bhd (5195) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 0.3000 MYR versus a price of 0.2150 MYR, about +40% upside (undervalued).
What is the fair value of 5195?
Our model-based fair value for Censof Holdings Bhd is 0.3000 MYR (as of Sep 24, 2026), built from audited fundamentals. The current price: 0.2150 MYR.
What is the quality score of 5195?
Censof Holdings Bhd has a Quality Score of 65/100. 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 Censof Holdings Bhd (5195)?
Our model-based price target is the fair value of 0.3000 MYR (as of Sep 24, 2026) from 24 valuation models. Cautious scenario 0.1900 MYR, optimistic scenario 0.3900 MYR. It is a calculation from audited fundamentals, not an analyst target.
What is the Censof Holdings Bhd stock forecast for 2026?
Our models put fair value at 0.3000 MYR, about +40% upside versus a price of 0.2150 MYR (undervalued). Cautious scenario 0.1900 MYR, optimistic scenario 0.3900 MYR. The calculation is refreshed regularly with new filings.
What is the revenue of Censof Holdings Bhd (5195)?
Censof Holdings Bhd reported trailing-twelve-month revenue of about 110M MYR (latest available figure, as of Sep 24, 2026).
What growth is priced into Censof Holdings Bhd (5195)?
For today's price to be fair in a discounted-cash-flow model, Censof Holdings Bhd would have to grow free cash flow by +36.5 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +4.7 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 5195 use?
Our models discount Censof Holdings Bhd at 9.7 %: a base by market capitalisation (nano), damped by beta 0.29, 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 Censof Holdings Bhd that is +36.5 % per year a year over ten years, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has Censof Holdings Bhd (5195) delivered so far?
Over the past 5 years revenue at Censof Holdings Bhd grew +4.7 % a year. The price currently implies +36.5 % 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 Censof Holdings Bhd (5195) growing?
The median revenue growth in the sector is +8.2 % a year. That is the yardstick for the growth priced into Censof Holdings Bhd (+36.5 % 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 Censof Holdings Bhd (5195)?
The free-cash-flow yield on the price is 0.95 %: that much free cash flow Censof Holdings Bhd produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Censof Holdings Bhd (5195)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Censof Holdings Bhd it is 0.3000 MYR per share (as of Sep 24, 2026), against a price of 0.2150 MYR. It is the blended result of 24 valuation models (cash flow, earnings, asset, dividend).
Is Censof Holdings Bhd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 5195 trades below its calculated fair value: price 0.2150 MYR, fair value 0.3000 MYR, a gap of about +40% (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 5195?
No. The price is what the market pays today (0.2150 MYR); the fair value is what the company's own numbers justify (0.3000 MYR). For Censof Holdings Bhd the two are 0.0850 MYR per share apart. That gap is exactly why we show both numbers side by side.
How much is Censof Holdings Bhd worth?
The market values Censof Holdings Bhd at about 119M MYR (market capitalisation, as of Sep 24, 2026). Per share that is 0.2150 MYR; our models calculate a fair value of 0.3000 MYR per share.
What do the bullish and bearish scenarios say about 5195?
Our models span a range for Censof Holdings Bhd: cautious scenario 0.1900 MYR, base 0.3000 MYR, optimistic 0.3900 MYR per share (as of Sep 24, 2026, price 0.2150 MYR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 5195?
Censof Holdings Bhd trades at a price-to-earnings ratio of 21.5 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 0.3000 MYR is built from several models across several years. Other multiples: P/B 0.3, P/S 0.3.
How solid is the balance sheet of Censof Holdings Bhd (5195)?
Balance-sheet figures for Censof Holdings Bhd (as of Sep 24, 2026): return on equity 7.4%, debt of 0.00 per unit of equity. They feed the Quality Score of 65/100, which measures business quality independently of the share price.
How far is 5195 from its 52-week high?
Censof Holdings Bhd trades at 0.2150 MYR, about 14% below its 52-week high of 0.2500 MYR and 34% above the low of 0.1600 MYR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 0.3000 MYR is for.
Which stocks are comparable to Censof Holdings Bhd?
From the same area (Technology) we also value SAP SE, Salesforce, Inc, Shopify Inc, ServiceNow, 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 Censof Holdings Bhd stock attractive at the current price?
The data as of Sep 24, 2026: price 0.2150 MYR, calculated fair value 0.3000 MYR (+40%), Quality Score 65/100, from 24 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 5195 calculated?
We run Censof Holdings Bhd through 24 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 0.3000 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 14.0 % above its aggregate fair value. Censof Holdings Bhd currently trades 40 % 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 Censof Holdings Bhd (5195)?
The closing price on Sep 24, 2026 was 0.2150 MYR. Our model-based fair value is 0.3000 MYR, about +40% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Censof Holdings Bhd right now?
The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. 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 (0.1900 MYR to 0.3900 MYR) leaves room in how you read the outcome.
Where does the earnings growth of Censof Holdings Bhd (5195) come from?
Earnings per share at Censof Holdings Bhd grew −6.8 % a year from 2015 to 2026. Broken into its drivers: revenue per share −4.1 %, EBIT margin −10.8 %, tax rate +0.9 %, residual (interest, one-offs) +8.0 %. 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 Censof Holdings Bhd
How large is the market capitalisation of Censof Holdings Bhd (5195)?
The market capitalisation of Censof Holdings Bhd is 119M MYR (≈ $29.1M). 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 Censof Holdings Bhd (5195)?
The price-to-sales ratio of Censof Holdings Bhd is 1.35 (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 Censof Holdings Bhd (5195)?
Earnings per share at Censof Holdings Bhd are 0.0100 MYR (price ÷ EPS = P/E 21.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Censof Holdings Bhd (5195)?
The net margin of Censof Holdings Bhd is 6.3% (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 Censof Holdings Bhd (5195)?
The return on equity (ROE) of Censof Holdings Bhd is 7.4% (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 Censof Holdings Bhd (5195)?
On an EBIT basis the return on assets of Censof Holdings Bhd is 8.7% (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 Censof Holdings Bhd (5195)?
The operating margin of Censof Holdings Bhd is 18.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Censof Holdings Bhd (5195)?
Revenue at Censof Holdings Bhd is growing +34.3% versus a year earlier (3y avg +2.3%). 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 Censof Holdings Bhd (5195)?
Earnings per share at Censof Holdings Bhd are growing −25.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Censof Holdings Bhd (5195) hold?
Censof Holdings Bhd holds more cash than debt, 23.6M MYR net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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