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CTOS Digital Berhad, an investment holding company, (5301) Fair Value & Analysis

Financial Services · MY · Market cap 1.4B MYR

CD CTOS Digital Berhad, an investment holding company, 5301 · KLSE
Price0.6950 MYR
Fair Value0.5300 MYR
Upside-23.7%
Quality95/100
Evidence: High Range 0.3900 MYR – 0.8300 MYR

Fair value as of: Jun 25, 2026

From 25 valuation models · updated 4 days ago

Share price +8.9% over the past month.

Price vs Fair Value (12 months)

1.02 MYR 0.6172 MYR Fair Value 0.5300 MYR Jun 2025 Jun 2026

12‑month range 0.6172 MYR – 1.02 MYR · fair‑value band 0.3900 MYR – 0.8300 MYR · the 0.6950 MYR price screens above the 0.5300 MYR fair value. As of Jun 25, 2026.

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Analysis

CTOS Digital Berhad, an investment holding company, (5301) currently trades at 0.6950 MYR, while our model-based Fair Value estimate is 0.5300 MYR — implying the stock looks roughly 23.7% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services 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: high).

Over the trailing twelve months, CTOS Digital Berhad, an investment holding company, generated revenue of 332M MYR at a net margin of 32.9%. Revenue grew 7.3% year over year. It earns a return on equity of 14.6%. Net debt stands at 63.8M MYR. Fundamentals as of Jun 25, 2026

Key figures & financial health

Revenue (TTM) 332M MYR
Revenue growth (YoY) +7.3%
Net margin 32.9%
Return on equity 14.6%
Free cash flow 219M MYR FY2025
P/E ratio 15.9
More key figures
Operating margin 19.4%
EPS (TTM) 0.0400 MYR
Dividend yield 4.3%
EPS growth (YoY) +30.2%
Net debt 63.8M MYR FY2025

Figures from reported company fundamentals (EODHD) · as of Jun 25, 2026. TTM = trailing twelve months.

About the company

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, ins…

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

CTOS Digital Berhad, an investment holding company, 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.

Revenue +20.8%/yr
FY21 153M MYR
FY22 195M MYR
FY23 261M MYR
FY24 305M MYR
FY25 326M MYR
Net income +24.9%/yr
FY21 43.1M MYR
FY22 71.7M MYR
FY23 118M MYR
FY24 106M MYR
FY25 105M MYR

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Frequently asked questions

Is CTOS Digital Berhad, an investment holding company, (5301) undervalued?
As of Jun 25, 2026, our model estimates a fair value of 0.5300 MYR versus a price of 0.6950 MYR — about −24% (overvalued). Model-based estimate, not financial advice.
What is the fair value of 5301?
Our 21-model fair value for CTOS Digital Berhad, an investment holding company, is 0.5300 MYR (as of Jun 25, 2026), built from audited fundamentals. The current price is 0.6950 MYR.
What is the quality score of 5301?
CTOS Digital Berhad, an investment holding company, has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of CTOS Digital Berhad, an investment holding company, (5301)?
CTOS Digital Berhad, an investment holding company, reported trailing-twelve-month revenue of about 332M MYR (latest available figure, as of Jun 25, 2026).
What is the net profit margin of 5301?
The net profit margin of CTOS Digital Berhad, an investment holding company, is about 32.9%, meaning it keeps roughly 32.9% of revenue as net income. Based on the latest reported figures.
Does CTOS Digital Berhad, an investment holding company, pay a dividend?
CTOS Digital Berhad, an investment holding company, currently shows a dividend yield of about 4.31% relative to its recent price (as of Jun 25, 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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.