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Well Chip Group Berhad (5325) fair value: what the stock is really worth

As of Sep 24, 2026: fair value of Well Chip Group Berhad MYR 1.13, price MYR 1.18, upside -4.2%, quality 53 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
  3. Add to watchlist

Consumer Cyclical · MY · ISIN MYL5325OO005

WC Thin data Sep 24, 2026

Well Chip Group Berhad

5325 · KLSE

NeutralThe stock looks roughly fairly valued with average quality.

·Fair value 1.13 MYR · Fairly valued (−4%)
!Quality 53/100
!Expensive Growth (revenue 5y +17.3 %/yr)
✓Highly profitable · 33.6% net margin (TTM)
!Low debt · negative free cash flow
·4.32% dividend yield
✓Ranks above peers (13/13)
✓Wide moat 79/100
!Evidence only low, so the estimate is less certain
!Weak on valuation: 28 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

1.67 MYR 0.8735 MYR Fair Value 1.13 MYR Jul 2024 Sep 2026

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

26‑month range 0.8735 MYR – 1.67 MYR · fair‑value band 0.7400 MYR – 2.00 MYR · the 1.18 MYR price screens above the 1.13 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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Company profile

Well Chip Group Berhad, an investment holding company, engages in the provision of pawnbroking services in Malaysia. It operates in two segments, Pawnbroking Services; and Retail Trading of Jewellery and Gold. The company offers pawn loans in exchange for pledges, including gold, jewelry, and watches.

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Well Chip Group Berhad, an investment holding company, engages in the provision of pawnbroking services in Malaysia. It operates in two segments, Pawnbroking Services; and Retail Trading of Jewellery and Gold. The company offers pawn loans in exchange for pledges, including gold, jewelry, and watches. It is also involved in the retail sale of new and pre-owned jewelry and gold; and sale of scrap gold acquired from unredeemed and bid pledges, and pre-owned jewelry and gold from walk-in individuals. The company provides its services through retail outlets; website; e-commerce platforms, such as Shopee, Lazada, and Facebook live; and scrap gold traders. The company was formerly known as Well Chip Group Sdn. Bhd. and changed its name to Well Chip Group Berhad in November 2023. The company was founded in 2006 and is headquartered in Johor Bahru, Malaysia. Well Chip Group Berhad is a subsidiary of Vyn Holdings Sdn. Bhd.

Stock analysis

Well Chip Group Berhad (5325) currently trades at 1.18 MYR, while our model-based Fair Value estimate is 1.13 MYR, implying the stock looks roughly 4.4% fairly valued today.

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Valuation

Bull case: the Growth Earnings group reads highest at a median of 4.18 MYR per share, and 11 of the 17 models we run sit above the 1.18 MYR price.

Bear case: the Dividend Discount group reads lowest at 0.4400 MYR, and 6 of the 17 models stay below the price. Evidence for this calculation is low.

Scenario range: 0.7400 MYR (bear) to 2.00 MYR (bull), the price of 1.18 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 53/100 (solid quality), in the Consumer Cyclical sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Well Chip Group Berhad reported revenue of 270M MYR in FY2025 versus 102M MYR in FY2021, a compound +27.6%/yr. Reported net income was 86.1M MYR in FY2025, compounding +37.7%/yr from FY2021.

Key figures

Market cap 708M MYR (≈ $174M) · P/E ratio 7.4 · P/S ratio 2.35 · EPS (TTM) 0.1600 MYR · Dividend yield 4.3% · Net margin 31.9% · Return on equity 20.2% · Return on assets (EBIT) 9.7%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).

What moves the price

The share trades about 29% below its 52-week high and 17% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Consumer Cyclical peers we cover trades at 9% fair-value upside, at −4%, 5325 screens richer than that median.

Fair Value models

Bear 0.7400 MYR Fair Value 1.13 MYR Bull 2.00 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 (0.0800 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.
Highest evidence
Owner Earnings 1.53 MYR 3.00 MYR 5.54 MYR 73
ROIC Compounder 1.30 MYR 1.72 MYR 2.12 MYR 72
EPV 1.14 MYR 1.27 MYR 1.38 MYR 71
All 17 models by family
DCF Models
Owner Earnings 1.53 MYR 3.00 MYR 5.54 MYR 73
Earnings-Based
Graham-Dodd 0.9800 MYR 6.81 MYR 9.56 MYR 63
Lynch FV 2.13 MYR 3.05 MYR 3.96 MYR 61
PEG = 1.0 2.13 MYR 3.05 MYR 3.96 MYR 57
EPV 1.14 MYR 1.27 MYR 1.38 MYR 71
Dividend Discount
Gordon GGM 0.2800 MYR 0.4700 MYR 0.6100 MYR 68
DDM Multi-Stage 0.2800 MYR 0.4400 MYR 0.5000 MYR 67
Multiples
P/E Multiple 2.37 MYR 3.16 MYR 3.95 MYR 63
P/S Multiple 0.4100 MYR 0.5400 MYR 0.6800 MYR 58
P/B Multiple 1.83 MYR 2.44 MYR 3.05 MYR 55
EV/EBIT 2.69 MYR 3.58 MYR 4.47 MYR 66
EV/EBITDA 1.87 MYR 2.49 MYR 3.10 MYR 67
EV/Revenue 0.4000 MYR 0.5600 MYR 0.7200 MYR 54
Asset-Based
NCAV (Graham) 0.4000 MYR 0.5400 MYR 0.8100 MYR 54
Economic Profit
Residual Income 0.7800 MYR 0.9900 MYR 2.34 MYR 69
ROIC Compounder 1.30 MYR 1.72 MYR 2.12 MYR 72
Growth Earnings
Growth-Adj P/E 2.93 MYR 4.18 MYR 5.43 MYR 67

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Quality Score breakdown

Overall quality 53/100

Of which business quality 48 · Market factors (momentum, volatility) 37

Profitability 53
Margins and returns on capital today
Quality Growth 71
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 62
Balance sheet, leverage, solvency risk
Investment 31
Disciplined investing over empire-building
Low Volatility 59
Calm price path (market factor)
Momentum 34
Price trend over the last 3–12 months (market factor)
52W Momentum 17
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

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Revenue & earnings trend

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
+21.6%
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.
+19.6%
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.
+17.3%
Start year 2020 (pandemic)
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.
+32.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+27.8%
Dividend (yield on the price)4.3%
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.38% → 44%
2025 sits 137% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

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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.Luxury Goods · 130 stocks

Beats the industry median on 13/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 53 · Above median
Fair Value upside −5% · Above median
Profitability
Return on equity (TTM) 20% · Above median
Return on assets 10% · Top 25%
Net margin (TTM) 34% · Top 25%
Operating margin (TTM) 50% · Top 25%
Growth and dividend
Revenue growth 27% · Above median
Dividend yield (TTM) 4.3% · Top 25%
Balance sheet
Debt / equity 0.01× · Below median

Valuation Multiplesvs Luxury Goods median · lower = cheaper

P/E (TTM) 7.4× · Cheapest 25%
P/B 0.36× · Cheapest 25%
P/S (TTM) 0.61× · Cheaper than median
EV/EBITDA 1.2× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)28 · sector 13
FUTURE (revenue growth)100 · sector 50
PAST (return on equity)81 · sector 40
HEALTH (low debt)100 · sector 99
DIVIDEND (yield)86 · sector 50

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Luxury Goods stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Compagnie Financière Richemont SA CFR CHF 170.40 CHF 120.03 −30%
Christian Dior SE CDI €421.00 €552.53 +31%
Kering SA KER €225.75 €58.17 −74%
Tapestry, Inc TPR $112.59 $19.95 −82%
Chow Tai Fook Jewellery Group 1929 HK$11.01 HK$12.03 +9%
The Swatch Group UHR CHF 176.60 CHF 48.30 −73%
Prada S.p.A 1913 HK$37.38 HK$63.43 +70%
Pandora A/S PNDORA kr 821.60 kr 1,424 +73%
Laopu Gold Co 6181 HK$353.00 HK$447.52 +27%
Brunello Cucinelli S.p.A BC €79.92 €34.92 −56%

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Cite: Fair Value Calculator (2026). "Well Chip Group Berhad Fair Value". https://www.fairvalue-calculator.com/stock/5325

Frequently asked questions

Is Well Chip Group Berhad (5325) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 1.13 MYR versus a price of 1.18 MYR, about −4% upside (fairly valued).
What is the fair value of 5325?
Our model-based fair value for Well Chip Group Berhad is 1.13 MYR (as of Sep 24, 2026), built from audited fundamentals. The current price: 1.18 MYR.
What is the quality score of 5325?
Well Chip Group Berhad has a Quality Score of 53/100. 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 Well Chip Group Berhad (5325)?
Our model-based price target is the fair value of 1.13 MYR (as of Sep 24, 2026) from 17 valuation models. Cautious scenario 0.7400 MYR, optimistic scenario 2.00 MYR. It is a calculation from audited fundamentals, not an analyst target.
What is the Well Chip Group Berhad stock forecast for 2026?
Our models put fair value at 1.13 MYR, about −4% upside versus a price of 1.18 MYR (fairly valued). Cautious scenario 0.7400 MYR, optimistic scenario 2.00 MYR. The calculation is refreshed regularly with new filings.
What is the revenue of Well Chip Group Berhad (5325)?
Well Chip Group Berhad reported trailing-twelve-month revenue of about 286M MYR (latest available figure, as of Sep 24, 2026).
Does Well Chip Group Berhad pay a dividend?
Well Chip Group Berhad currently shows a dividend yield of about 4.32% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Well Chip Group Berhad (5325)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Well Chip Group Berhad it is 1.13 MYR per share (as of Sep 24, 2026), against a price of 1.18 MYR. It is the blended result of 17 valuation models (cash flow, earnings, asset, dividend).
Is Well Chip Group Berhad stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 5325 trades above its calculated fair value: price 1.18 MYR, fair value 1.13 MYR, a gap of about −4% (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 5325?
No. The price is what the market pays today (1.18 MYR); the fair value is what the company's own numbers justify (1.13 MYR). For Well Chip Group Berhad the two are 0.0500 MYR per share apart. That gap is exactly why we show both numbers side by side.
How much is Well Chip Group Berhad worth?
The market values Well Chip Group Berhad at about 708M MYR (market capitalisation, as of Sep 24, 2026). Per share that is 1.18 MYR; our models calculate a fair value of 1.13 MYR per share.
What do the bullish and bearish scenarios say about 5325?
Our models span a range for Well Chip Group Berhad: cautious scenario 0.7400 MYR, base 1.13 MYR, optimistic 2.00 MYR per share (as of Sep 24, 2026, price 1.18 MYR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 5325?
Well Chip Group Berhad trades at a price-to-earnings ratio of 7.4 (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 1.13 MYR is built from several models across several years. Other multiples: P/B 0.4, P/S 0.6, EV/EBITDA 1.2.
How solid is the balance sheet of Well Chip Group Berhad (5325)?
Balance-sheet figures for Well Chip Group Berhad (as of Sep 24, 2026): return on equity 20.2%, debt of 0.01 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is 5325 from its 52-week high?
Well Chip Group Berhad trades at 1.18 MYR, about 29% below its 52-week high of 1.67 MYR and 17% above the low of 1.01 MYR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 1.13 MYR is for.
Which stocks are comparable to Well Chip Group Berhad?
From the same area (Consumer Cyclical) we also value Compagnie Financière Richemont SA, Christian Dior SE, Kering SA, Tapestry, 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 Well Chip Group Berhad stock attractive at the current price?
The data as of Sep 24, 2026: price 1.18 MYR, calculated fair value 1.13 MYR (−4%), Quality Score 53/100, from 17 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 5325 calculated?
We run Well Chip Group Berhad through 17 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 1.13 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. Well Chip Group Berhad 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 Well Chip Group Berhad (5325)?
The closing price on Sep 24, 2026 was 1.18 MYR. Our model-based fair value is 1.13 MYR, about −4% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Well Chip Group Berhad right now?
The model range is unusually wide (0.7400 MYR to 2.00 MYR). The outcome hinges heavily on assumptions, so read the point estimate with caution. The price sits close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.

Key figures of Well Chip Group Berhad

How large is the market capitalisation of Well Chip Group Berhad (5325)?
The market capitalisation of Well Chip Group Berhad is 708M MYR (≈ $174M). 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 Well Chip Group Berhad (5325)?
The price-to-sales ratio of Well Chip Group Berhad is 2.35 (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 Well Chip Group Berhad (5325)?
Earnings per share at Well Chip Group Berhad are 0.1600 MYR (price ÷ EPS = P/E 7.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Well Chip Group Berhad (5325)?
The dividend yield of Well Chip Group Berhad is 4.3% (payout 31.9%). 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 Well Chip Group Berhad (5325)?
The net margin of Well Chip Group Berhad is 31.9% (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 Well Chip Group Berhad (5325)?
The return on equity (ROE) of Well Chip Group Berhad is 20.2% (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 Well Chip Group Berhad (5325)?
On an EBIT basis the return on assets of Well Chip Group Berhad is 9.7% (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 Well Chip Group Berhad (5325)?
The operating margin of Well Chip Group Berhad is 50.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Well Chip Group Berhad (5325)?
Revenue at Well Chip Group Berhad is growing +26.8% versus a year earlier (3y avg +19.6%). 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 Well Chip Group Berhad (5325)?
Earnings per share at Well Chip Group Berhad are growing +55.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Well Chip Group Berhad (5325) generate?
The free cash flow of Well Chip Group Berhad is −175M MYR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Well Chip Group Berhad (5325) carry?
The net debt of Well Chip Group Berhad is 380M MYR (fiscal year 2025). 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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