ASPIAL LIFESTYLE LIMITED (5UF) Fair Value & Analysis
Consumer Cyclical · SG · Market cap 751M SGD
Fair value as of: Aug 13, 2026
From 17 valuation models · updated 4 days ago
Share price +8.8% over the past month.
Below-average quality, screening 46% undervalued on our models.
What matters 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.
- A fairly wide model range (0.3500 SGD to 0.6700 SGD) leaves room in how you read the outcome.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range 0.1043 SGD – 0.4550 SGD · fair‑value band 0.3500 SGD – 0.6700 SGD · the 0.3700 SGD price screens below the 0.5400 SGD fair value. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
ASPIAL LIFESTYLE LIMITED (5UF) currently trades at 0.3700 SGD, while our model-based Fair Value estimate is 0.5400 SGD, implying the stock looks roughly 46.0% undervalued today. The Quality Score stands at 36/100 (below-average quality), in the Consumer Cyclical 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: high), always confirm before acting.
Over the trailing twelve months, ASPIAL LIFESTYLE LIMITED generated revenue of 830M SGD at a net margin of 9.7%. Revenue grew 37.6% year over year. It earns a return on equity of 29.7%. Net debt stands at 1.0B SGD. Fundamentals as of Aug 13, 2026
Our scenario range runs from 0.3500 SGD (bear case) to 0.6700 SGD (bull case); at 0.3700 SGD, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 21% below its 52-week high and 208% above its 52-week low, currently above its 200-day average. For context, the median of 10 Consumer Cyclical peers we cover trades at -6% fair-value upside, at 46%, 5UF screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 17 models by family
Widest divergence: Growth Earnings (1.25 SGD) versus Dividend Discount (0.0900 SGD). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 32 · Market factors (momentum, volatility) 64
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
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Peer Group
Luxury Goods · 137 stocks
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.
Valuation Multiples vs Luxury Goods median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Luxury Goods stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Compagnie Financière Richemont SA CFR | CHF 193.70 | CHF 119.08 | -39% |
| Christian Dior SE DIO | €423.60 | €1,095 | +159% |
| Kering SA KER | €270.60 | €56.23 | -79% |
| Tapestry, Inc TPR | $153.74 | $19.95 | -87% |
| Chow Tai Fook Jewellery Group 1929 | HK$12.31 | HK$11.51 | -6% |
| The Swatch Group UHRN | CHF 37.90 | CHF 21.48 | -43% |
| Prada S.p.A 1913 | HK$42.22 | HK$64.07 | +52% |
| Pandora A/S PNDORA | kr 771.40 | kr 1,424 | +85% |
| Laopu Gold Co 6181 | HK$359.20 | HK$544.05 | +51% |
| Kalyan Jewellers India Limited KALYANKJIL | ₹596.70 | ₹238.57 | -60% |
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Frequently asked questions
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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.
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