NATURAL COOL HOLDINGS LIMITED (5IF) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of NATURAL COOL HOLDINGS LIMITED S$0.13, price S$0.06, upside +116.4%, quality 64 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Natural Cool Holdings Limited, an investment holding company, provides installation, maintenance, repair, and replacement services for air-conditioning systems in Singapore. It operates through four segments: Aircon and Engineering, Paint and Coatings, Food and Beverages, and Technology.
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Natural Cool Holdings Limited, an investment holding company, provides installation, maintenance, repair, and replacement services for air-conditioning systems in Singapore. It operates through four segments: Aircon and Engineering, Paint and Coatings, Food and Beverages, and Technology. The company offers installation services for commercial air-conditioning systems and mechanical ventilation (ACMV); plumbing and sanitary works; maintenance services, such as inspection, replacement, and cleaning of air-conditioning and ventilation systems; and trades in air-conditioning units and spare parts. It also provides mechanical and electrical, and fire protection system installation services; designs and installs high containment facilities and laboratory ACMV; and sources and distributes ACMV equipment, spare parts and accessories. In addition, the company manufactures and trades in paints and basic chemicals, including enamel coatings, epoxy coatings, PU coatings, and solvents principally under the Cougar brand name. Further, it engages in the manufacture, distribution, and retail of cooked snack food products, including dim sum products, cakes, and traditional Chinese dumplings; and operates stalls, restaurants, and food and beverages retail outlets. Additionally, the company leases properties; installs building automated systems for remote monitoring, as well as communications systems on trains; provides environmental, and mechanical and electrical engineering services; and engages in the plumbing and sanitary works. Natural Cool Holdings Limited was founded in 1989 and is based in Singapore.
Stock analysis
NATURAL COOL HOLDINGS LIMITED (5IF) currently trades at 0.0580 SGD, while our model-based Fair Value estimate is 0.1255 SGD, implying the stock looks roughly 53.8% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 0.4000 SGD per share, and 21 of the 22 models we run sit above the 0.0580 SGD price.
Bear case: the Asset-Based group reads lowest at 0.0400 SGD, and 1 of the 22 models stay below the price. Evidence for this calculation is low.
Scenario range: 0.0947 SGD (bear) to 0.1486 SGD (bull), the price of 0.0580 SGD 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 64/100 (solid quality), in the Industrials sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
NATURAL COOL HOLDINGS LIMITED reported revenue of 149M SGD in FY2025 versus 148M SGD in FY2021, a compound +0.2%/yr. Reported net income was 1.6M SGD in FY2025.
Key figures
Market cap 19.5M SGD (≈ $15.2M) · P/E ratio 5.8 · P/S ratio 0.06 · EPS (TTM) 0.0100 SGD · Dividend yield 6.9% · Net margin 1.1% · Return on equity 11.5% · Return on assets (EBIT) 2.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 41% below its 52-week high and 49% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Industrials peers we cover trades at −19% fair-value upside, at 116%, 5IF screens cheaper than that median.
Fair Value models
Bear 0.0947 SGDFair Value 0.1255 SGDBull 0.1486 SGD
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 (0.0045 SGD 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.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.67/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+6.2%
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.
−0.1%
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.
+4.4%
Start year 2020 (pandemic). Over 10 years: +3.2% a year
Revenue growth 12 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.
−0.3%
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What shareholders gained per year (last 5 years) ⓘ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.
+12.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+5.1%
Dividend (yield on the price)6.9%
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.2% → 3%
Compare NATURAL COOL HOLDINGS LIMITED with another stock
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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.Building Products & Equipment · 250 stocks
Beats the industry median on 11/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score64 · Top 25%
Fair Value upside+116.4% · Top 25%
Profitability
Return on equity (TTM)11.5% · Above median
Return on assets3.2% · Above median
Net margin (TTM)1.1% · Below median
Operating margin (TTM)3.1% · Below median
Growth and dividend
Revenue growth12.8% · Above median
Dividend yield (TTM)6.9% · Top 25%
Balance sheet
Debt / equity0.87× · Highest 25%
Valuation Multiplesvs Building Products & Equipment median · lower = cheaper
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Is NATURAL COOL HOLDINGS LIMITED (5IF) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of 0.1255 SGD versus a price of 0.0580 SGD, about +116% upside (undervalued).
What is the fair value of 5IF?
Our model-based fair value for NATURAL COOL HOLDINGS LIMITED is 0.1255 SGD (as of Sep 27, 2026), built from audited fundamentals. The current price: 0.0580 SGD.
What is the quality score of 5IF?
NATURAL COOL HOLDINGS LIMITED has a Quality Score of 64/100. 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 NATURAL COOL HOLDINGS LIMITED (5IF)?
Our model-based price target is the fair value of 0.1255 SGD (as of Sep 27, 2026) from 22 valuation models. Cautious scenario 0.0947 SGD, optimistic scenario 0.1486 SGD. It is a calculation from audited fundamentals, not an analyst target.
What is the NATURAL COOL HOLDINGS LIMITED stock forecast for 2026?
Our models put fair value at 0.1255 SGD, about +116% upside versus a price of 0.0580 SGD (undervalued). Cautious scenario 0.0947 SGD, optimistic scenario 0.1486 SGD. The calculation is refreshed regularly with new filings.
What is the revenue of NATURAL COOL HOLDINGS LIMITED (5IF)?
NATURAL COOL HOLDINGS LIMITED reported trailing-twelve-month revenue of about 149M SGD (latest available figure, as of Sep 27, 2026).
Does NATURAL COOL HOLDINGS LIMITED pay a dividend?
NATURAL COOL HOLDINGS LIMITED currently shows a dividend yield of about 6.90% relative to its recent price (as of Sep 27, 2026).
What is the intrinsic value of NATURAL COOL HOLDINGS LIMITED (5IF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For NATURAL COOL HOLDINGS LIMITED it is 0.1255 SGD per share (as of Sep 27, 2026), against a price of 0.0580 SGD. It is the blended result of 22 valuation models (cash flow, earnings, asset, dividend).
Is NATURAL COOL HOLDINGS LIMITED stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 5IF trades below its calculated fair value: price 0.0580 SGD, fair value 0.1255 SGD, a gap of about +116% (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 5IF?
No. The price is what the market pays today (0.0580 SGD); the fair value is what the company's own numbers justify (0.1255 SGD). For NATURAL COOL HOLDINGS LIMITED the two are 0.0675 SGD per share apart. That gap is exactly why we show both numbers side by side.
How much is NATURAL COOL HOLDINGS LIMITED worth?
The market values NATURAL COOL HOLDINGS LIMITED at about 19.5M SGD (market capitalisation, as of Sep 27, 2026). Per share that is 0.0580 SGD; our models calculate a fair value of 0.1255 SGD per share.
What do the bullish and bearish scenarios say about 5IF?
Our models span a range for NATURAL COOL HOLDINGS LIMITED: cautious scenario 0.0947 SGD, base 0.1255 SGD, optimistic 0.1486 SGD per share (as of Sep 27, 2026, price 0.0580 SGD). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 5IF?
NATURAL COOL HOLDINGS LIMITED trades at a price-to-earnings ratio of 5.8 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 0.1255 SGD is built from several models across several years. Other multiples: P/B 0.9, P/S 0.1, EV/EBITDA 3.3.
How solid is the balance sheet of NATURAL COOL HOLDINGS LIMITED (5IF)?
Balance-sheet figures for NATURAL COOL HOLDINGS LIMITED (as of Sep 27, 2026): return on equity 11.5%, debt of 0.87 per unit of equity. They feed the Quality Score of 64/100, which measures business quality independently of the share price.
How far is 5IF from its 52-week high?
NATURAL COOL HOLDINGS LIMITED trades at 0.0580 SGD, about 41% below its 52-week high of 0.0977 SGD and 49% above the low of 0.0389 SGD (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of 0.1255 SGD is for.
Which stocks are comparable to NATURAL COOL HOLDINGS LIMITED?
From the same area (Industrials) we also value Trane Technologies plc, Johnson Controls International plc, Carrier Global Corporation, Compagnie de Saint-Gobain S.A, 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 NATURAL COOL HOLDINGS LIMITED stock attractive at the current price?
The data as of Sep 27, 2026: price 0.0580 SGD, calculated fair value 0.1255 SGD (+116%), Quality Score 64/100, from 22 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 5IF calculated?
We run NATURAL COOL HOLDINGS LIMITED through 22 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 0.1255 SGD, 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 14.5 % above its aggregate fair value. NATURAL COOL HOLDINGS LIMITED currently trades 54 % 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 NATURAL COOL HOLDINGS LIMITED (5IF)?
The closing price on Oct 1, 2026 was 0.0580 SGD. Our model-based fair value is 0.1255 SGD, about +116% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with NATURAL COOL HOLDINGS LIMITED right now?
The price is below even our cautious bear case (0.0947 SGD). 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. Solid quality (64/100) at a price below fair value, the discount is the argument here, not the business quality.
Key figures of NATURAL COOL HOLDINGS LIMITED
How large is the market capitalisation of NATURAL COOL HOLDINGS LIMITED (5IF)?
The market capitalisation of NATURAL COOL HOLDINGS LIMITED is 19.5M SGD (≈ $15.2M). 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 NATURAL COOL HOLDINGS LIMITED (5IF)?
The price-to-sales ratio of NATURAL COOL HOLDINGS LIMITED is 0.06 (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 NATURAL COOL HOLDINGS LIMITED (5IF)?
Earnings per share at NATURAL COOL HOLDINGS LIMITED are 0.0100 SGD (price ÷ EPS = P/E 5.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of NATURAL COOL HOLDINGS LIMITED (5IF)?
The dividend yield of NATURAL COOL HOLDINGS LIMITED is 6.9% (payout 40.0%). 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 NATURAL COOL HOLDINGS LIMITED (5IF)?
The net margin of NATURAL COOL HOLDINGS LIMITED is 1.1% (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 NATURAL COOL HOLDINGS LIMITED (5IF)?
The return on equity (ROE) of NATURAL COOL HOLDINGS LIMITED is 11.5% (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 NATURAL COOL HOLDINGS LIMITED (5IF)?
On an EBIT basis the return on assets of NATURAL COOL HOLDINGS LIMITED is 2.1% (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 NATURAL COOL HOLDINGS LIMITED (5IF)?
The operating margin of NATURAL COOL HOLDINGS LIMITED is 3.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at NATURAL COOL HOLDINGS LIMITED (5IF)?
Revenue at NATURAL COOL HOLDINGS LIMITED is growing +12.8% versus a year earlier (3y avg −0.1%). 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 NATURAL COOL HOLDINGS LIMITED (5IF)?
Earnings per share at NATURAL COOL HOLDINGS LIMITED are growing −34.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does NATURAL COOL HOLDINGS LIMITED (5IF) generate?
The free cash flow of NATURAL COOL HOLDINGS LIMITED is 12.1M SGD (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 NATURAL COOL HOLDINGS LIMITED (5IF) carry?
The net debt of NATURAL COOL HOLDINGS LIMITED is 9.5M SGD (fiscal year 2025, ≈ 0.8 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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