Aspial Lifestyle Limited (5UF) Fair Value & Analysis
Consumer Cyclical · SG · Market cap 751M SGD
Fair value as of: Jul 4, 2026
From 17 valuation models · updated today
Share price −11.0% over the past month.
Price vs Fair Value (12 months)
12‑month range 0.1201 SGD – 0.4550 SGD · fair‑value band 0.3500 SGD – 0.7300 SGD · the 0.3650 SGD price screens below the 0.5400 SGD fair value. As of Jul 4, 2026.
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Aspial Lifestyle Limited (5UF) currently trades at 0.3650 SGD, while our model-based Fair Value estimate is 0.5400 SGD — implying the stock looks roughly 47.9% undervalued today. We read business quality at 48/100 (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 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
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.
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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6 more Luxury Goods stocks, each showing price versus our Fair Value estimate (as of Jul 4, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| LVMH Moët Hennessy - Louis Vuitton, Société Européenne, LVMUY | $110.33 | $105.81 | -4% |
| Hermès International Société en commandite par actions HESAY | $202.49 | $92.81 | -54% |
| Compagnie Financière Richemont SA CFRHF | $221.58 | $164.77 | -26% |
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| Kering SA PPRUF | $318.73 | $86.83 | -73% |
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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.