Well Chip Group Berhad (5325) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Well Chip Group Berhad stock MYR 1.16, price MYR 1.06, upside +9.4%, quality 54 out of 100. Rating: fairly valued. Calculated from audited financials with 17 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
27‑month range 0.8735 MYR – 1.67 MYR · fair‑value band 0.7400 MYR – 2.06 MYR · the 1.06 MYR price screens below the 1.16 MYR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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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.
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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 1.06 MYR, while our model-based Fair Value estimate is 1.16 MYR, so the stock looks roughly fairly valued today (gap 8.6%).
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Valuation
Bull case: the Growth Earnings group reads highest at a median of 4.11 MYR per share, and 11 of the 16 models we run sit above the 1.06 MYR price.
Bear case: the Dividend Discount group reads lowest at 0.4000 MYR, and 5 of the 16 models stay below the price. Data coverage for this calculation is low.
Scenario range: 0.7400 MYR (bear) to 2.06 MYR (bull), the price of 1.06 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 54/100 (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 636M MYR (≈ $157M) Micro · P/E ratio 6.6 · P/S ratio 2.18 · EPS (TTM) 0.1600 MYR · Dividend yield 4.8% · Net margin 34.2% · Return on equity 21.2% · Return on assets (EBIT) 9.7% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 79 out of 100 (low confidence).
What moves the price
The share trades about 35% below its 52-week high and 5% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at −1% fair-value upside, at 9%, 5325 screens cheaper than that median.
Fair Value models
Bear0.7400 MYRFair Value 1.16 MYRBull2.06 MYR
Price 1.06 MYR · Upside +9.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (0.0935 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = 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.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)
’20
’21
’22
’23
’24
’25
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.
+32.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+27.8%
Dividend (yield on the price)4.8%
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.
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.Luxury Goods · 121 stocks
Beats the industry median on 10/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score54 · Below median
Fair Value upside+9.4% · Above median
Profitability
Return on equity (12 months)21.2% · Top 25%
Return on assets9.0% · Above median
Net margin (12 months)34.2% · Top 25%
Operating margin (12 months)46.1% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)8.7% · Below median
Dividend yield (12 months)4.8% · Top 25%
Balance sheet
Debt / equity0.01× · Below median
Valuation Multiplesvs Luxury Goods 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). "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 Nov 8, 2026, our model estimates a fair value of 1.16 MYR versus a price of 1.06 MYR, about +9% upside (fairly valued).
What is the fair value of 5325?
Our model-based fair value for Well Chip Group Berhad is 1.16 MYR (as of Nov 8, 2026), built from audited fundamentals. The current price: 1.06 MYR.
What is the quality score of 5325?
Well Chip Group Berhad has a Quality Score of 54/100. 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 1.16 MYR (as of Nov 8, 2026) from 17 valuation models. Cautious scenario 0.7400 MYR, optimistic scenario 2.06 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 1.16 MYR, about +9% upside versus a price of 1.06 MYR (fairly valued). Cautious scenario 0.7400 MYR, optimistic scenario 2.06 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 292M MYR (latest available figure, as of Nov 8, 2026).
Does Well Chip Group Berhad pay a dividend?
Well Chip Group Berhad currently shows a dividend yield of 4.81% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Well Chip Group Berhad (5325) and when is the ex-dividend date?
Well Chip Group Berhad pays a dividend of 0.051 MYR per share a year, a dividend yield of 4.8%. The last ex-dividend date was Jun 30, 2026. The payout ratio is 31.9% of earnings. Our assessment: Watch coverage. The dividend isn’t fully covered by free cash flow or earnings, part of it is funded from reserves or debt. Fine for now, but worth watching: if it stays uncovered, the dividend could be cut.
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 1.16 MYR per share (as of Nov 8, 2026), against a price of 1.06 MYR. It is the blended result of 17 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit, Growth Earnings).
Is Well Chip Group Berhad stock overvalued or undervalued in 2026?
As of Nov 8, 2026, 5325 trades below its calculated fair value: price 1.06 MYR, fair value 1.16 MYR, a gap of about +9% (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 (1.06 MYR); the fair value is what the company's own numbers justify (1.16 MYR). For Well Chip Group Berhad the two are 0.1000 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 636M MYR (market capitalisation, as of Nov 8, 2026). Per share that is 1.06 MYR; our models calculate a fair value of 1.16 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 1.16 MYR, optimistic 2.06 MYR per share (as of Nov 8, 2026, price 1.06 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 6.6 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 1.16 MYR is built from several models across several years. Other multiples: P/B 1.3, P/S 2.2, EV/EBITDA 4.4.
How solid is the balance sheet of Well Chip Group Berhad (5325)?
Balance-sheet figures for Well Chip Group Berhad (as of Nov 8, 2026): return on equity 21.2%, debt of 0.01 per unit of equity. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is 5325 from its 52-week high?
Well Chip Group Berhad trades at 1.06 MYR, about 35% below its 52-week high of 1.62 MYR and 5% above the low of 1.01 MYR (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 1.16 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, Titan Company, 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 Nov 8, 2026: price 1.06 MYR, calculated fair value 1.16 MYR (+9%), Quality Score 54/100, 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 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of 1.16 MYR builds on their evidence-weighted average, 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 13.3% above its aggregate fair value. Well Chip Group Berhad currently trades 9% 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 Well Chip Group Berhad (5325)?
The closing price on Nov 6, 2026 was 1.06 MYR. Our model-based fair value is 1.16 MYR, about +9% 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 2.06 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 636M MYR (≈ $157M). 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 2.18 (last twelve months). 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 6.6). 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 4.8% (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 34.2% (last twelve months). 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 21.2% (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 46.1% (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 +8.7% 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 +17.9% 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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Thin data
Nov 8, 2026