LUMINOR FINANCIAL HOLDINGS LTD (5UA) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of LUMINOR FINANCIAL HOLDINGS LTD S$0.04, price S$0.03, upside +42.1%, quality 36 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Luminor Financial Holdings Limited, an investment holding company, engages principally in the development of integrated residential and commercial properties in Singapore, the People's Republic of China, and Malaysia. The company operates through Property and Financial Solutions segments.
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Luminor Financial Holdings Limited, an investment holding company, engages principally in the development of integrated residential and commercial properties in Singapore, the People's Republic of China, and Malaysia. The company operates through Property and Financial Solutions segments. It develops residential, commercial, and other properties; and manages and leases real estate properties. The company is also involved in the wholesale, import, and export of chemical products, office furniture, and clothing; provision of consultancy services on the enterprise management and business information; and sale of construction and decoration materials, and low voltage electronic apparatus. In addition, it offers financial solutions, including asset management, loan advances, and factoring services, as well as invoice and supply chain financing, securities crowdfunding, and secured lending services; and financial advice and execution expertise comprising mergers, acquisitions, divestitures, capital raising, project finance, privatizations, and public private partnership services to corporates. The company was formerly known as Starland Holdings Limited and changed its name to Luminor Financial Holdings Limited in April 2021. Luminor Financial Holdings Limited was incorporated in 2011 and is headquartered in Singapore.
Stock analysis
LUMINOR FINANCIAL HOLDINGS LTD (5UA) currently trades at 0.0280 SGD, while our model-based Fair Value estimate is 0.0398 SGD, implying the stock looks roughly 29.6% undervalued today.
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Valuation
How firm this estimate is: it rests on 2 models at a data quality of 94/100, which puts the evidence level at low.
Scenario range: 0.0378 SGD (bear) to 0.0417 SGD (bull), the price of 0.0280 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 36/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
LUMINOR FINANCIAL HOLDINGS LTD reported revenue of 49.6M MYR in FY2025 versus 27.1M MYR in FY2021, a compound +16.3%/yr. Reported net income was −8.4M MYR in FY2025.
Key figures
Market cap 9.4M SGD (≈ $7.3M) · P/S ratio 0.19 · EPS (TTM) −0.0100 SGD · Net margin −17.0% · Return on equity −16.3% · Return on assets (EBIT) 1.8% · Operating margin 18.8% · Revenue (TTM) 50.7M MYR.
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 61% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 42%, 5UA screens cheaper than that median.
Fair Value models
Bear 0.0378 SGDFair Value 0.0398 SGDBull 0.0417 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.17/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+12.8%
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.
+31.4%
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.
+5.8%
Start year 2020 (pandemic). Over 10 years: +3.8% 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.
+2.6%
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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.
−9.7% (2020) → −4.0% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Compare LUMINOR FINANCIAL HOLDINGS LTD with another stock
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.Credit Services · 325 stocks
Beats the industry median on 4/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score37 · Bottom 25%
Fair Value upside+42.1% · Above median
Profitability
Return on assets1.7% · Below median
Net margin (TTM)−17.4% · Bottom 25%
Operating margin (TTM)18.8% · Below median
Growth and dividend
Revenue growth−5.2% · Bottom 25%
Balance sheet
Debt / equity0.53× · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
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Is LUMINOR FINANCIAL HOLDINGS LTD (5UA) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of 0.0398 SGD versus a price of 0.0280 SGD, about +42% upside (undervalued).
What is the fair value of 5UA?
Our model-based fair value for LUMINOR FINANCIAL HOLDINGS LTD is 0.0398 SGD (as of Oct 3, 2026), built from audited fundamentals. The current price: 0.0280 SGD.
What is the quality score of 5UA?
LUMINOR FINANCIAL HOLDINGS LTD has a Quality Score of 36/100. 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 LUMINOR FINANCIAL HOLDINGS LTD (5UA)?
Our model-based price target is the fair value of 0.0398 SGD (as of Oct 3, 2026) from 2 valuation models. Cautious scenario 0.0378 SGD, optimistic scenario 0.0417 SGD. It is a calculation from audited fundamentals, not an analyst target.
What is the LUMINOR FINANCIAL HOLDINGS LTD stock forecast for 2026?
Our models put fair value at 0.0398 SGD, about +42% upside versus a price of 0.0280 SGD (undervalued). Cautious scenario 0.0378 SGD, optimistic scenario 0.0417 SGD. The calculation is refreshed regularly with new filings.
What is the revenue of LUMINOR FINANCIAL HOLDINGS LTD (5UA)?
LUMINOR FINANCIAL HOLDINGS LTD reported trailing-twelve-month revenue of about 50.7M MYR (latest available figure, as of Oct 3, 2026).
What is the intrinsic value of LUMINOR FINANCIAL HOLDINGS LTD (5UA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For LUMINOR FINANCIAL HOLDINGS LTD it is 0.0398 SGD per share (as of Oct 3, 2026), against a price of 0.0280 SGD. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is LUMINOR FINANCIAL HOLDINGS LTD stock overvalued or undervalued in 2026?
As of Oct 3, 2026, 5UA trades below its calculated fair value: price 0.0280 SGD, fair value 0.0398 SGD, a gap of about +42% (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 5UA?
No. The price is what the market pays today (0.0280 SGD); the fair value is what the company's own numbers justify (0.0398 SGD). For LUMINOR FINANCIAL HOLDINGS LTD the two are 0.0118 SGD per share apart. That gap is exactly why we show both numbers side by side.
How much is LUMINOR FINANCIAL HOLDINGS LTD worth?
The market values LUMINOR FINANCIAL HOLDINGS LTD at about 9.4M SGD (market capitalisation, as of Oct 3, 2026). Per share that is 0.0280 SGD; our models calculate a fair value of 0.0398 SGD per share.
What do the bullish and bearish scenarios say about 5UA?
Our models span a range for LUMINOR FINANCIAL HOLDINGS LTD: cautious scenario 0.0378 SGD, base 0.0398 SGD, optimistic 0.0417 SGD per share (as of Oct 3, 2026, price 0.0280 SGD). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of LUMINOR FINANCIAL HOLDINGS LTD (5UA)?
Balance-sheet figures for LUMINOR FINANCIAL HOLDINGS LTD (as of Oct 3, 2026): return on equity −16.3%, debt of 0.53 per unit of equity. They feed the Quality Score of 36/100, which measures business quality independently of the share price.
How far is 5UA from its 52-week high?
LUMINOR FINANCIAL HOLDINGS LTD trades at 0.0280 SGD, about 61% below its 52-week high of 0.0710 SGD and at the low of 0.0280 SGD (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of 0.0398 SGD is for.
Which stocks are comparable to LUMINOR FINANCIAL HOLDINGS LTD?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 LUMINOR FINANCIAL HOLDINGS LTD stock attractive at the current price?
The data as of Oct 3, 2026: price 0.0280 SGD, calculated fair value 0.0398 SGD (+42%), Quality Score 36/100, from 2 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 5UA calculated?
We run LUMINOR FINANCIAL HOLDINGS LTD through 2 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 0.0398 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. LUMINOR FINANCIAL HOLDINGS LTD currently trades 30 % 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 LUMINOR FINANCIAL HOLDINGS LTD (5UA)?
The closing price on Oct 1, 2026 was 0.0280 SGD. Our model-based fair value is 0.0398 SGD, about +42% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with LUMINOR FINANCIAL HOLDINGS LTD right now?
The large discount to fair value meets weak quality (36/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (0.0378 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. The models converge in a tight band (0.0378 SGD to 0.0417 SGD), unusually little disagreement for a valuation.
Key figures of LUMINOR FINANCIAL HOLDINGS LTD
How large is the market capitalisation of LUMINOR FINANCIAL HOLDINGS LTD (5UA)?
The market capitalisation of LUMINOR FINANCIAL HOLDINGS LTD is 9.4M SGD (≈ $7.3M). 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 LUMINOR FINANCIAL HOLDINGS LTD (5UA)?
The price-to-sales ratio of LUMINOR FINANCIAL HOLDINGS LTD is 0.19 (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 LUMINOR FINANCIAL HOLDINGS LTD (5UA)?
Earnings per share at LUMINOR FINANCIAL HOLDINGS LTD are −0.0100 SGD. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of LUMINOR FINANCIAL HOLDINGS LTD (5UA)?
The net margin of LUMINOR FINANCIAL HOLDINGS LTD is −17.0% (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 LUMINOR FINANCIAL HOLDINGS LTD (5UA)?
The return on equity (ROE) of LUMINOR FINANCIAL HOLDINGS LTD is −16.3% (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 LUMINOR FINANCIAL HOLDINGS LTD (5UA)?
On an EBIT basis the return on assets of LUMINOR FINANCIAL HOLDINGS LTD is 1.8% (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 LUMINOR FINANCIAL HOLDINGS LTD (5UA)?
The operating margin of LUMINOR FINANCIAL HOLDINGS LTD is 18.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at LUMINOR FINANCIAL HOLDINGS LTD (5UA)?
Revenue at LUMINOR FINANCIAL HOLDINGS LTD is growing −5.2% versus a year earlier (3y avg +31.4%). 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 LUMINOR FINANCIAL HOLDINGS LTD (5UA)?
Earnings per share at LUMINOR FINANCIAL HOLDINGS LTD are growing −92.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does LUMINOR FINANCIAL HOLDINGS LTD (5UA) generate?
The free cash flow of LUMINOR FINANCIAL HOLDINGS LTD is −21.2M MYR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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