ASPIAL LIFESTYLE LIMITED (5UF) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of ASPIAL LIFESTYLE LIMITED S$0.54, price S$0.34, upside +61.2%, quality 36 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Aspial Lifestyle Limited, an investment holding company, retails and trades in jewelry and branded merchandise in Singapore and internationally. It operates through four segments: Pawnbroking; Secured Lending; and Retail and Trading of Jewellery and Branded Merchandise, and Others segments.
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Aspial Lifestyle Limited, an investment holding company, retails and trades in jewelry and branded merchandise in Singapore and internationally. It operates through four segments: Pawnbroking; Secured Lending; and Retail and Trading of Jewellery and Branded Merchandise, and Others segments. The company is also involved in pawnbroking and secure lending activities; property rental; and provision of financial, real estate, and other support and management services. The company markets its products under the Maxi-Cash, Lee Hwa Jewellery, and Goldheart brand names. Aspial Lifestyle Limited was incorporated in 2008 and is based in Singapore. Aspial Lifestyle Limited operates as a subsidiary of Aspial Corporation Limited.
Stock analysis
ASPIAL LIFESTYLE LIMITED (5UF) currently trades at 0.3350 SGD, while our model-based Fair Value estimate is 0.5400 SGD, implying the stock looks roughly 38.0% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 1.37 SGD per share, and 13 of the 17 models we run sit above the 0.3350 SGD price.
Bear case: the Dividend Discount group reads lowest at 0.0900 SGD, and 4 of the 17 models stay below the price. Evidence for this calculation is low.
Scenario range: 0.2700 SGD (bear) to 0.7200 SGD (bull), the price of 0.3350 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 36/100 (below-average quality), in the Consumer Cyclical sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
ASPIAL LIFESTYLE LIMITED reported revenue of 830M SGD in FY2025 versus 226M SGD in FY2021, a compound +38.5%/yr. Reported net income was 80.7M SGD in FY2025, compounding +53.7%/yr from FY2021.
Key figures
Market cap 751M SGD (≈ $586M) · P/E ratio 8.4 · P/S ratio 0.81 · EPS (TTM) 0.0400 SGD · Dividend yield 3.6% · Net margin 9.7% · Return on equity 29.7% · Return on assets (EBIT) 5.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 26% below its 52-week high and 76% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at −3% fair-value upside, at 61%, 5UF screens cheaper than that median.
Fair Value models
Bear 0.2700 SGDFair Value 0.5400 SGDBull 0.7200 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 (0.0211 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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+41.3%
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.
+37.5%
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.
+25.9%
Start year 2020 (pandemic). Over 10 years: +21.2% 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.
+18.1%
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What shareholders gained per year (last 5 years) (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.
+14.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.9%
Dividend (yield on the price)3.6%
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.8% → 14%
2025 sits 222% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
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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 · 119 stocks
Beats the industry median on 10/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score36 · Bottom 25%
Fair Value upside+61.2% · Top 25%
Profitability
Return on equity (TTM)29.7% · Top 25%
Return on assets5.0% · Above median
Net margin (TTM)9.7% · Above median
Operating margin (TTM)13.9% · Above median
Growth and dividend
Revenue growth37.6% · Top 25%
Dividend yield (TTM)3.6% · Above median
Balance sheet
Debt / equity0.78× · Highest 25%
Valuation Multiplesvs Luxury Goods median · lower = cheaper
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Is ASPIAL LIFESTYLE LIMITED (5UF) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of 0.5400 SGD versus a price of 0.3350 SGD, about +61% upside (undervalued).
What is the fair value of 5UF?
Our model-based fair value for ASPIAL LIFESTYLE LIMITED is 0.5400 SGD (as of Sep 27, 2026), built from audited fundamentals. The current price: 0.3350 SGD.
What is the quality score of 5UF?
ASPIAL LIFESTYLE LIMITED 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 ASPIAL LIFESTYLE LIMITED (5UF)?
Our model-based price target is the fair value of 0.5400 SGD (as of Sep 27, 2026) from 17 valuation models. Cautious scenario 0.2700 SGD, optimistic scenario 0.7200 SGD. It is a calculation from audited fundamentals, not an analyst target.
What is the ASPIAL LIFESTYLE LIMITED stock forecast for 2026?
Our models put fair value at 0.5400 SGD, about +61% upside versus a price of 0.3350 SGD (undervalued). Cautious scenario 0.2700 SGD, optimistic scenario 0.7200 SGD. The calculation is refreshed regularly with new filings.
What is the revenue of ASPIAL LIFESTYLE LIMITED (5UF)?
ASPIAL LIFESTYLE LIMITED reported trailing-twelve-month revenue of about 830M SGD (latest available figure, as of Sep 27, 2026).
Does ASPIAL LIFESTYLE LIMITED pay a dividend?
ASPIAL LIFESTYLE LIMITED currently shows a dividend yield of about 3.58% relative to its recent price (as of Sep 27, 2026).
What is the intrinsic value of ASPIAL LIFESTYLE LIMITED (5UF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For ASPIAL LIFESTYLE LIMITED it is 0.5400 SGD per share (as of Sep 27, 2026), against a price of 0.3350 SGD. It is the blended result of 17 valuation models (cash flow, earnings, asset, dividend).
Is ASPIAL LIFESTYLE LIMITED stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 5UF trades below its calculated fair value: price 0.3350 SGD, fair value 0.5400 SGD, a gap of about +61% (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 5UF?
No. The price is what the market pays today (0.3350 SGD); the fair value is what the company's own numbers justify (0.5400 SGD). For ASPIAL LIFESTYLE LIMITED the two are 0.2050 SGD per share apart. That gap is exactly why we show both numbers side by side.
How much is ASPIAL LIFESTYLE LIMITED worth?
The market values ASPIAL LIFESTYLE LIMITED at about 751M SGD (market capitalisation, as of Sep 27, 2026). Per share that is 0.3350 SGD; our models calculate a fair value of 0.5400 SGD per share.
What do the bullish and bearish scenarios say about 5UF?
Our models span a range for ASPIAL LIFESTYLE LIMITED: cautious scenario 0.2700 SGD, base 0.5400 SGD, optimistic 0.7200 SGD per share (as of Sep 27, 2026, price 0.3350 SGD). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 5UF?
ASPIAL LIFESTYLE LIMITED trades at a price-to-earnings ratio of 8.4 (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 0.5400 SGD is built from several models across several years. Other multiples: P/B 2.5, P/S 0.9, EV/EBITDA 7.3.
How solid is the balance sheet of ASPIAL LIFESTYLE LIMITED (5UF)?
Balance-sheet figures for ASPIAL LIFESTYLE LIMITED (as of Sep 27, 2026): return on equity 29.7%, debt of 0.78 per unit of equity. They feed the Quality Score of 36/100, which measures business quality independently of the share price.
How far is 5UF from its 52-week high?
ASPIAL LIFESTYLE LIMITED trades at 0.3350 SGD, about 26% below its 52-week high of 0.4550 SGD and 76% above the low of 0.1908 SGD (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of 0.5400 SGD is for.
Which stocks are comparable to ASPIAL LIFESTYLE LIMITED?
From the same area (Consumer Cyclical) we also value Compagnie Financière Richemont SA, Christian Dior SE, Kering SA, 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 ASPIAL LIFESTYLE LIMITED stock attractive at the current price?
The data as of Sep 27, 2026: price 0.3350 SGD, calculated fair value 0.5400 SGD (+61%), Quality Score 36/100, 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 5UF calculated?
We run ASPIAL LIFESTYLE LIMITED through 17 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 0.5400 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. ASPIAL LIFESTYLE LIMITED currently trades 38 % 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 ASPIAL LIFESTYLE LIMITED (5UF)?
The closing price on Oct 1, 2026 was 0.3350 SGD. Our model-based fair value is 0.5400 SGD, about +61% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with ASPIAL LIFESTYLE LIMITED 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 model range is unusually wide (0.2700 SGD to 0.7200 SGD). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
Key figures of ASPIAL LIFESTYLE LIMITED
How large is the market capitalisation of ASPIAL LIFESTYLE LIMITED (5UF)?
The market capitalisation of ASPIAL LIFESTYLE LIMITED is 751M SGD (≈ $586M). 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 ASPIAL LIFESTYLE LIMITED (5UF)?
The price-to-sales ratio of ASPIAL LIFESTYLE LIMITED is 0.81 (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 ASPIAL LIFESTYLE LIMITED (5UF)?
Earnings per share at ASPIAL LIFESTYLE LIMITED are 0.0400 SGD (price ÷ EPS = P/E 8.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of ASPIAL LIFESTYLE LIMITED (5UF)?
The dividend yield of ASPIAL LIFESTYLE LIMITED is 3.6% (payout 30.0%). 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 ASPIAL LIFESTYLE LIMITED (5UF)?
The net margin of ASPIAL LIFESTYLE LIMITED is 9.7% (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 ASPIAL LIFESTYLE LIMITED (5UF)?
The return on equity (ROE) of ASPIAL LIFESTYLE LIMITED is 29.7% (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 ASPIAL LIFESTYLE LIMITED (5UF)?
On an EBIT basis the return on assets of ASPIAL LIFESTYLE LIMITED is 5.3% (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 ASPIAL LIFESTYLE LIMITED (5UF)?
The operating margin of ASPIAL LIFESTYLE LIMITED is 13.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at ASPIAL LIFESTYLE LIMITED (5UF)?
Revenue at ASPIAL LIFESTYLE LIMITED is growing +37.6% versus a year earlier (3y avg +37.5%). 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 ASPIAL LIFESTYLE LIMITED (5UF)?
Earnings per share at ASPIAL LIFESTYLE LIMITED are growing +133% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does ASPIAL LIFESTYLE LIMITED (5UF) generate?
The free cash flow of ASPIAL LIFESTYLE LIMITED is −43.4M 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 ASPIAL LIFESTYLE LIMITED (5UF) carry?
The net debt of ASPIAL LIFESTYLE LIMITED is 1.0B SGD (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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