CTOS Digital Bhd (5301) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of CTOS Digital Bhd MYR 1.30, price MYR 0.61, upside +114.9%, quality 74 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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CTOS Digital Berhad, an investment holding company, provides a credit reporting agency and digital software related services in Malaysia, Thailand, Indonesia, and the Philippines.
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CTOS Digital Berhad, an investment holding company, provides a credit reporting agency and digital software related services in Malaysia, Thailand, Indonesia, and the Philippines. The company offers credit reporting services, such as sales reports, monitoring and trade referencing, and other services; sells digital solutions; and provides installation and maintenance services to key accounts, commercial, and direct to consumers. It also provides comprehensive commercial credit reports and bulk commercial data services. In addition, the company offers CTOS electronic Know-Your-Customer, CTOS application and decisioning, fraud bureau, and portfolio review services. Further, it provides software development, outsourcing, and training services; consulting, debt collection, and database management; business information services; and credit bureau, marketing list, market research, industry studies, and related consultation services. The company serves key account customers in banking, insurance, financial services, telecommunications, legal firms, statutory bodies, small and medium enterprises, and individual customers. The company was founded in 1990 and is headquartered in Petaling Jaya, Malaysia.
Stock analysis
CTOS Digital Bhd (5301) currently trades at 0.6050 MYR, while our model-based Fair Value estimate is 1.30 MYR, implying the stock looks roughly 53.5% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of 2.09 MYR per share, and 18 of the 25 models we run sit above the 0.6050 MYR price.
Bear case: the Asset-Based group reads lowest at 0.1800 MYR, and 7 of the 25 models stay below the price. Evidence for this calculation is low.
Scenario range: 0.8700 MYR (bear) to 1.69 MYR (bull), the price of 0.6050 MYR sits below 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 74/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
CTOS Digital Bhd reported revenue of 326M MYR in FY2025 versus 153M MYR in FY2021, a compound +20.8%/yr. Reported net income was 105M MYR in FY2025, compounding +24.9%/yr from FY2021.
Key figures
Market cap 1.4B MYR (≈ $342M) · P/E ratio 15.1 · P/S ratio 4.86 · EPS (TTM) 0.0400 MYR · Dividend yield 4.6% · Net margin 32.2% · Return on equity 14.6% · Return on assets (EBIT) 12.3%.
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 36% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −27% fair-value upside, at 115%, 5301 screens cheaper than that median.
Fair Value models
Bear 0.8700 MYRFair Value 1.30 MYRBull 1.69 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 2025 figures (about 9 months old). Earnings retained since then (0.0088 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.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+7.0%
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.
+18.7%
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.
+17.2%
Start year 2020 (pandemic)
Revenue growth 7 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.
+16.7%
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What shareholders gained per year (last 5 years), in MYR ⓘ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. 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.
+23.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+18.4%
Dividend (yield on the price)4.6%
Profit margin 2020 to 2025 ⓘ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.34% → 22%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
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).
−8.1%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+8.1%
Yearly sales growth analysts expect, extended to five years.
After inflation (Malaysia: IMF forecast 2.0% a year to 2030, 1.8% from 2016 to 2025) that is about −9.9% a year for the price and +6.0% for the forecasts.
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.Financial Data & Stock Exchanges · 55 stocks
Beats the industry median on 10/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score73 · Above median
Fair Value upside+110% · Top 25%
Profitability
Return on equity (TTM)15% · Below median
Return on assets5% · Below median
Net margin (TTM)33% · Above median
Operating margin (TTM)19% · Below median
Growth and dividend
Revenue growth7% · Below median
Dividend yield (TTM)4.6% · Top 25%
Balance sheet
Debt / equity0.11× · Below median
Valuation Multiplesvs Financial Data & Stock Exchanges 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). "CTOS Digital Bhd Fair Value". https://www.fairvalue-calculator.com/stock/5301
Frequently asked questions
Is CTOS Digital Bhd (5301) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of 1.30 MYR versus a price of 0.6050 MYR, about +115% upside (undervalued).
What is the fair value of 5301?
Our model-based fair value for CTOS Digital Bhd is 1.30 MYR (as of Sep 23, 2026), built from audited fundamentals. The current price: 0.6050 MYR.
What is the quality score of 5301?
CTOS Digital Bhd has a Quality Score of 74/100. 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 CTOS Digital Bhd (5301)?
Our model-based price target is the fair value of 1.30 MYR (as of Sep 23, 2026) from 25 valuation models. Cautious scenario 0.8700 MYR, optimistic scenario 1.69 MYR. It is a calculation from audited fundamentals, not an analyst target.
What is the CTOS Digital Bhd stock forecast for 2026?
Our models put fair value at 1.30 MYR, about +115% upside versus a price of 0.6050 MYR (undervalued). Cautious scenario 0.8700 MYR, optimistic scenario 1.69 MYR. The calculation is refreshed regularly with new filings.
What is the revenue of CTOS Digital Bhd (5301)?
CTOS Digital Bhd reported trailing-twelve-month revenue of about 332M MYR (latest available figure, as of Sep 23, 2026).
Does CTOS Digital Bhd pay a dividend?
CTOS Digital Bhd currently shows a dividend yield of about 4.63% relative to its recent price (as of Sep 23, 2026).
What growth is priced into CTOS Digital Bhd (5301)?
For today's price to be fair in a discounted-cash-flow model, CTOS Digital Bhd would have to grow free cash flow by -8.1 % per year for five years (discount rate 11.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +17.2 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of 5301 use?
Our models discount CTOS Digital Bhd at 11.1 %: a base by market capitalisation (small), damped by beta 0.41, 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 CTOS Digital Bhd that is -8.1 % per year a year over ten years, using the same discount rate (11.1 %) and the same formula as our fair value.
How much growth has CTOS Digital Bhd (5301) delivered so far?
Over the past 5 years revenue at CTOS Digital Bhd grew +17.2 % a year. The price currently implies -8.1 % 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 CTOS Digital Bhd (5301) growing?
The median revenue growth in the sector is +8.2 % a year. That is the yardstick for the growth priced into CTOS Digital Bhd (-8.1 % 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 CTOS Digital Bhd (5301)?
The free-cash-flow yield on the price is 15.69 %: that much free cash flow CTOS Digital Bhd produces per unit of market value. When it exceeds the discount rate of our models (11.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of CTOS Digital Bhd (5301)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For CTOS Digital Bhd it is 1.30 MYR per share (as of Sep 23, 2026), against a price of 0.6050 MYR. It is the blended result of 25 valuation models (cash flow, earnings, asset, dividend).
Is CTOS Digital Bhd stock overvalued or undervalued in 2026?
As of Sep 23, 2026, 5301 trades below its calculated fair value: price 0.6050 MYR, fair value 1.30 MYR, a gap of about +115% (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 5301?
No. The price is what the market pays today (0.6050 MYR); the fair value is what the company's own numbers justify (1.30 MYR). For CTOS Digital Bhd the two are 0.6950 MYR per share apart. That gap is exactly why we show both numbers side by side.
How much is CTOS Digital Bhd worth?
The market values CTOS Digital Bhd at about 1.4B MYR (market capitalisation, as of Sep 23, 2026). Per share that is 0.6050 MYR; our models calculate a fair value of 1.30 MYR per share.
What do the bullish and bearish scenarios say about 5301?
Our models span a range for CTOS Digital Bhd: cautious scenario 0.8700 MYR, base 1.30 MYR, optimistic 1.69 MYR per share (as of Sep 23, 2026, price 0.6050 MYR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 5301?
CTOS Digital Bhd trades at a price-to-earnings ratio of 15.1 (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 1.30 MYR is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 15.8 (reported 13.2). Other multiples: PEG 1.9, P/B 2.4, P/S 4.3, EV/EBITDA 17.2.
What is the PEG ratio of 5301?
The PEG ratio of CTOS Digital Bhd is 1.85 (P/E divided by earnings growth, as of Sep 23, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of CTOS Digital Bhd (5301)?
Balance-sheet figures for CTOS Digital Bhd (as of Sep 23, 2026): return on equity 14.6%, debt of 0.11 per unit of equity. They feed the Quality Score of 74/100, which measures business quality independently of the share price.
How far is 5301 from its 52-week high?
CTOS Digital Bhd trades at 0.6050 MYR, about 36% below its 52-week high of 0.9484 MYR and 3% above the low of 0.5901 MYR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 1.30 MYR is for.
Which stocks are comparable to CTOS Digital Bhd?
From the same area (Financial Services) we also value S&P Global Inc, CME Group, Moody's Corporation, Intercontinental Exchange, 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 CTOS Digital Bhd stock attractive at the current price?
The data as of Sep 23, 2026: price 0.6050 MYR, calculated fair value 1.30 MYR (+115%), Quality Score 74/100, from 25 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 5301 calculated?
We run CTOS Digital Bhd through 25 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 1.30 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 13.0 % above its aggregate fair value. CTOS Digital Bhd currently trades 115 % 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 CTOS Digital Bhd (5301)?
The closing price on Sep 24, 2026 was 0.6050 MYR. Our model-based fair value is 1.30 MYR, about +115% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with CTOS Digital Bhd right now?
The rarer combination: high quality (74/100) AND below fair value. That earns a closer look rather than a quick verdict. The price is below even our cautious bear case (0.8700 MYR). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range (0.8700 MYR to 1.69 MYR) leaves room in how you read the outcome.
Key figures of CTOS Digital Bhd
How large is the market capitalisation of CTOS Digital Bhd (5301)?
The market capitalisation of CTOS Digital Bhd is 1.4B MYR (≈ $342M). 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 CTOS Digital Bhd (5301)?
The price-to-sales ratio of CTOS Digital Bhd is 4.86 (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 CTOS Digital Bhd (5301)?
Earnings per share at CTOS Digital Bhd are 0.0400 MYR (price ÷ EPS = P/E 15.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of CTOS Digital Bhd (5301)?
The dividend yield of CTOS Digital Bhd is 4.6% (payout 70.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of CTOS Digital Bhd (5301)?
The net margin of CTOS Digital Bhd is 32.2% (fiscal year 2025). 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 CTOS Digital Bhd (5301)?
The return on equity (ROE) of CTOS Digital Bhd is 14.6% (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 CTOS Digital Bhd (5301)?
On an EBIT basis the return on assets of CTOS Digital Bhd is 12.3% (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 CTOS Digital Bhd (5301)?
The operating margin of CTOS Digital Bhd is 19.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at CTOS Digital Bhd (5301)?
Revenue at CTOS Digital Bhd is growing +7.3% versus a year earlier (3y avg +18.7%). 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 CTOS Digital Bhd (5301)?
Earnings per share at CTOS Digital Bhd are growing +30.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does CTOS Digital Bhd (5301) carry?
The net debt of CTOS Digital Bhd is 63.8M MYR (fiscal year 2025, ≈ 0.3 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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