Luminor Financial Holdings (5UA) Fair Value & Analysis
Financial Services · SG · Market cap 15.1M SGD
Fair value as of: Jul 4, 2026
From 4 valuation models · updated today
Share price −4.3% over the past month.
Price vs Fair Value (12 months)
12‑month range 0.0300 SGD – 0.0710 SGD · fair‑value band 0.0653 SGD – 0.0743 SGD · the 0.0450 SGD price screens below the 0.0698 SGD fair value. As of Jul 4, 2026.
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Luminor Financial Holdings (5UA) currently trades at 0.0450 SGD, while our model-based Fair Value estimate is 0.0698 SGD — implying the stock looks roughly 55.0% undervalued today. We read business quality at 43/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low) — always confirm before acting.
Over the trailing twelve months, Luminor Financial Holdings generated revenue of 51.9M SGD at a net margin of -16.3%. Revenue grew 35.0% year over year. It earns a return on equity of -17.3%. Fundamentals as of Jul 4, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 4, 2026. TTM = trailing twelve months.
About the company
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, …
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Luminor Financial Holdings reported revenue of 49.6M SGD in FY2025 versus 27.1M SGD in FY2021, a compound +16.3%/yr. Reported net income was −8.4M SGD in FY2025.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.