NET PACIFIC FIN HLDGS LTD (5QY) fair value: what the stock is really worth
As of Sep 30, 2026: fair value of NET PACIFIC FIN HLDGS LTD S$0.01, price S$0.01, upside -9.2%, quality 42 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range 0.0110 SGD – 0.0390 SGD · fair‑value band 0.0118 SGD – 0.0130 SGD · the 0.0130 SGD price screens above the 0.0118 SGD fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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Net Pacific Holdings Limited, an investment holding company, provides various financial services and access to capital primarily to small and medium-sized enterprises (SMEs) in Singapore, the People's Republic of China, Hong Kong, and Australia. It operates through Financing Business; Luggage Business; and Golf Business segments.
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Net Pacific Holdings Limited, an investment holding company, provides various financial services and access to capital primarily to small and medium-sized enterprises (SMEs) in Singapore, the People's Republic of China, Hong Kong, and Australia. It operates through Financing Business; Luggage Business; and Golf Business segments. The Financing Business segment offers financing services, such as working capital financing, asset-backed loans, and mezzanine loans; and invests in companies. Its Luggage Business segment engages in the business of research, design, production and sale of travel hard case luggage in the North America, Asia Pacific, Middle East, and Europe. The Golf Business segment sells golf simulators; and operates indoor golf simulator venues in the People's Republic of China. The company was formerly known as Net Pacific Financial Holdings Limited and changed its name to Net Pacific Holdings Limited in November 2025. Net Pacific Holdings Limited was founded in 1987 and is based in Singapore.
Stock analysis
NET PACIFIC FIN HLDGS LTD (5QY) currently trades at 0.0130 SGD, while our model-based Fair Value estimate is 0.0118 SGD, so the stock looks roughly fairly valued today (gap 10.2%).
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Valuation
How firm this estimate is: it rests on 1 models at a data quality of 86/100, which puts the evidence level at low.
Scenario range: 0.0118 SGD (bear) to 0.0130 SGD (bull), the price of 0.0130 SGD 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 42/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
NET PACIFIC FIN HLDGS LTD reported revenue of HK$46.2M in FY2024 versus HK$3.5M in FY2020, a compound +91.2%/yr. Reported net income was −HK$14.7M in FY2024.
Key figures
Market cap 6.8M SGD (≈ $5.3M) · P/S ratio 0.14 · Net margin −31.9% · Return on equity −21.7% · Return on assets (EBIT) −4.5% · Operating margin −18.9% · Revenue (TTM) HK$48.9M · Revenue growth (YoY) +17.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).
What moves the price
The share trades about 38% below its 52-week high and 18% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 21% fair-value upside, at −9%, 5QY screens richer than that median.
Fair Value models
Bear 0.0118 SGDFair Value 0.0118 SGDBull 0.0130 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.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.36/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+1,288.6%
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.
+140.7%
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.
+65.0%
Revenue growth 11 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.
+5.7%
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Profit margin (trend) ⓘ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.
−314.3% (2019) → −29.3% (2024)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2024 is a loss year, no rate is defined from a loss
Compare NET PACIFIC FIN HLDGS LTD 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.Mortgage Finance · 90 stocks
Beats the industry median on 4/8 measures
A mixed picture versus its industry peers.
Valuation
Quality Score46 · Bottom 25%
Fair Value upside−9.2% · Above median
Profitability
Return on assets−15.3% · Bottom 25%
Net margin (TTM)−21.6% · Bottom 25%
Operating margin (TTM)−18.9% · Bottom 25%
Growth and dividend
Revenue growth17.7% · Above median
Valuation Multiplesvs Mortgage Finance 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). "NET PACIFIC FIN HLDGS LTD Fair Value". https://www.fairvalue-calculator.com/stock/5QY
Frequently asked questions
Is NET PACIFIC FIN HLDGS LTD (5QY) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of 0.0118 SGD versus a price of 0.0130 SGD, about −9% upside (fairly valued).
What is the fair value of 5QY?
Our model-based fair value for NET PACIFIC FIN HLDGS LTD is 0.0118 SGD (as of Sep 27, 2026), built from audited fundamentals. The current price: 0.0130 SGD.
What is the quality score of 5QY?
NET PACIFIC FIN HLDGS LTD has a Quality Score of 42/100. 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 NET PACIFIC FIN HLDGS LTD (5QY)?
Our model-based price target is the fair value of 0.0118 SGD (as of Sep 27, 2026) from 1 valuation models. Cautious scenario 0.0118 SGD, optimistic scenario 0.0130 SGD. It is a calculation from audited fundamentals, not an analyst target.
What is the NET PACIFIC FIN HLDGS LTD stock forecast for 2026?
Our models put fair value at 0.0118 SGD, about −9% upside versus a price of 0.0130 SGD (fairly valued). Cautious scenario 0.0118 SGD, optimistic scenario 0.0130 SGD. The calculation is refreshed regularly with new filings.
What is the revenue of NET PACIFIC FIN HLDGS LTD (5QY)?
NET PACIFIC FIN HLDGS LTD reported trailing-twelve-month revenue of about HK$48.9M (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of NET PACIFIC FIN HLDGS LTD (5QY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For NET PACIFIC FIN HLDGS LTD it is 0.0118 SGD per share (as of Sep 27, 2026), against a price of 0.0130 SGD. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is NET PACIFIC FIN HLDGS LTD stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 5QY trades above its calculated fair value: price 0.0130 SGD, fair value 0.0118 SGD, 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 5QY?
No. The price is what the market pays today (0.0130 SGD); the fair value is what the company's own numbers justify (0.0118 SGD). For NET PACIFIC FIN HLDGS LTD the two are 0.0012 SGD per share apart. That gap is exactly why we show both numbers side by side.
How much is NET PACIFIC FIN HLDGS LTD worth?
The market values NET PACIFIC FIN HLDGS LTD at about 6.8M SGD (market capitalisation, as of Sep 27, 2026). Per share that is 0.0130 SGD; our models calculate a fair value of 0.0118 SGD per share.
What do the bullish and bearish scenarios say about 5QY?
Our models span a range for NET PACIFIC FIN HLDGS LTD: cautious scenario 0.0118 SGD, base 0.0118 SGD, optimistic 0.0130 SGD per share (as of Sep 27, 2026, price 0.0130 SGD). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of NET PACIFIC FIN HLDGS LTD (5QY)?
Balance-sheet figures for NET PACIFIC FIN HLDGS LTD (as of Sep 27, 2026): return on equity −21.7%. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is 5QY from its 52-week high?
NET PACIFIC FIN HLDGS LTD trades at 0.0130 SGD, about 38% below its 52-week high of 0.0210 SGD and 18% above the low of 0.0110 SGD (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of 0.0118 SGD is for.
Which stocks are comparable to NET PACIFIC FIN HLDGS LTD?
From the same area (Financial Services) we also value Federal Home Loan Mortgage Corporation, Rocket Companies, Inc, Federal National Mortgage Association, Bajaj Housing Finance Limited, 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 NET PACIFIC FIN HLDGS LTD stock attractive at the current price?
The data as of Sep 27, 2026: price 0.0130 SGD, calculated fair value 0.0118 SGD (−9%), Quality Score 42/100, from 1 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 5QY calculated?
We run NET PACIFIC FIN HLDGS LTD through 1 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 0.0118 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. NET PACIFIC FIN HLDGS LTD 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 NET PACIFIC FIN HLDGS LTD (5QY)?
The closing price on Sep 30, 2026 was 0.0130 SGD. Our model-based fair value is 0.0118 SGD, about −9% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with NET PACIFIC FIN HLDGS LTD right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. The models converge in a tight band (0.0118 SGD to 0.0130 SGD), unusually little disagreement for a valuation. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of NET PACIFIC FIN HLDGS LTD
How large is the market capitalisation of NET PACIFIC FIN HLDGS LTD (5QY)?
The market capitalisation of NET PACIFIC FIN HLDGS LTD is 6.8M SGD (≈ $5.3M). 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 NET PACIFIC FIN HLDGS LTD (5QY)?
The price-to-sales ratio of NET PACIFIC FIN HLDGS LTD is 0.14 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of NET PACIFIC FIN HLDGS LTD (5QY)?
The net margin of NET PACIFIC FIN HLDGS LTD is −31.9% (fiscal year 2024). 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 NET PACIFIC FIN HLDGS LTD (5QY)?
The return on equity (ROE) of NET PACIFIC FIN HLDGS LTD is −21.7% (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 NET PACIFIC FIN HLDGS LTD (5QY)?
On an EBIT basis the return on assets of NET PACIFIC FIN HLDGS LTD is −4.5% (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 NET PACIFIC FIN HLDGS LTD (5QY)?
The operating margin of NET PACIFIC FIN HLDGS LTD is −18.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at NET PACIFIC FIN HLDGS LTD (5QY)?
Revenue at NET PACIFIC FIN HLDGS LTD is growing +17.7% versus a year earlier (3y avg +141%). 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 NET PACIFIC FIN HLDGS LTD (5QY)?
Earnings per share at NET PACIFIC FIN HLDGS LTD are growing −79.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does NET PACIFIC FIN HLDGS LTD (5QY) generate?
The free cash flow of NET PACIFIC FIN HLDGS LTD is −HK$17.6M (fiscal year 2024). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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