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Pacific & Orient Berhad, an investment holding company, (6009) Fair Value & Analysis

Financial Services · MY · Market cap 152M MYR

PO Pacific & Orient Berhad, an investment holding company, 6009 · KLSE
Price0.5250 MYR
Fair Value0.6200 MYR
Upside+18.1%
Quality43/100
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Weak Growth
Loss-making · -27.0% net margin
Low debt · negative free cash flow
Mixed vs. peers (4/10)
Narrow moat 10/100
Evidence: Low Range 0.4600 MYR – 0.9300 MYR Share as image

Fair value as of: Jul 16, 2026

From 1 valuation models · updated 26 days ago

Share price −3.7% over the past month.

Below-average quality, screening 18% undervalued on our models.

What matters now

  • A fairly wide model range (0.4600 MYR to 0.9300 MYR) leaves room in how you read the outcome.
  • Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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Price vs Fair Value (5 years)

1.18 MYR 0.5250 MYR Fair Value 0.6200 MYR Oct 2020 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.

How to read this chart

60‑month range 0.5250 MYR – 1.18 MYR · fair‑value band 0.4600 MYR – 0.9300 MYR · the 0.5250 MYR price screens below the 0.6200 MYR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.

Full chart & analysis →

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Analysis

Pacific & Orient Berhad, an investment holding company, (6009) currently trades at 0.5250 MYR, while our model-based Fair Value estimate is 0.6200 MYR, implying the stock looks roughly 18.1% undervalued today. The Quality Score stands 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, Pacific & Orient Berhad, an investment holding company, generated revenue of 152M MYR at a net margin of -27.0%. Revenue grew 2.8% year over year. It earns a return on equity of -14.2%. Fundamentals as of Jul 16, 2026

Our scenario range runs from 0.4600 MYR (bear case) to 0.9300 MYR (bull case); at 0.5250 MYR, 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 25% below its 52-week high and 2% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 8% fair-value upside, at 18%, 6009 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.

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. Evidence
Highest evidence
NCAV (Graham) 0.4600 MYR 0.6200 MYR 0.9300 MYR 50
All 1 models by family
Asset-Based
NCAV (Graham) 0.4600 MYR 0.6200 MYR 0.9300 MYR 50

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Key figures & financial health

Revenue (TTM) 152M MYR
Revenue growth (YoY) +2.8%
Net margin -27.0%
Return on equity -14.2%
Free cash flow −54.5M MYR FY2025
Operating margin -13.8%
More key figures
EPS (TTM) -0.1500 MYR
EPS growth (YoY) +10,600%

Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 43/100

Of which business quality 44 · Market factors (momentum, volatility) 46

Profitability 9
Margins and returns on capital today
Quality Growth 39
Are margins and returns improving?
Cashflow 33
Earnings quality: real cash, not paper profit
Fin. Strength 42
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 96
Calm price path (market factor)
Momentum 32
Price trend over the last 3–12 months (market factor)
52W Momentum 14
Distance to the 52-week high (market factor)
Net Issuance 74
Buybacks instead of dilution

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

Pacific & Orient Berhad, an investment holding company, provides general insurance services in Malaysia, Thailand, and the United Kingdom. The company operates through Insurance, Information Technology, Investment Holding, Investment in Start-Ups, and Property Development segments.

Full company description

Pacific & Orient Berhad, an investment holding company, provides general insurance services in Malaysia, Thailand, and the United Kingdom. The company operates through Insurance, Information Technology, Investment Holding, Investment in Start-Ups, and Property Development segments. It also provides financial, information technology, management, and money lending services; sells information technology equipment; distributes consumer goods; invests in real estate and start-up companies; and deals in computer hardware, software, and systems. In addition, the company engages in the research, development, and trading activities. Further, it offers provision of real-time asset tracking and management solutions. Pacific & Orient Berhad was incorporated in 1994 and is based in Kuala Lumpur, Malaysia.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Pacific & Orient Berhad, an investment holding company, reported revenue of 285M MYR in FY2025 versus 282M MYR in FY2021, a compound +0.2%/yr. Reported net income was −19.0M MYR in FY2025.

Growth Quality 1/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2025)
285M MYR
Latest YoY
−3.1%
Avg. growth/yr (3Y) 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.
−2.2%
Avg. growth/yr (5Y) 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.
−1.7%
Avg. growth/yr (13Y) 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.
−3.0%
Revenue +0.2%/yr
FY21 282M MYR
FY22 304M MYR
FY23 290M MYR
FY24 294M MYR
FY25 285M MYR
Net income
FY21 881K MYR
FY22 54.5M MYR
FY23 −18.3M MYR
FY24 −72.8M MYR
FY25 −19.0M MYR

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Cite: Fair Value Calculator (2026). "Pacific & Orient Berhad, an investment holding company, Fair Value". https://www.fairvalue-calculator.com/stock/6009

Peer Group

Insurance - Property & Casualty · 120 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.

Quality Score 44 · Bottom 25%
Fair Value upside +18% · Above median
Return on assets -4% · Bottom 25%
Net margin (TTM) -27% · Bottom 25%
Operating margin (TTM) -14% · Bottom 25%
Revenue growth 3% · Below median
Debt / equity 0.13× · Lower than median

Valuation Multiples vs Insurance - Property & Casualty median · lower = cheaper

P/B 0.14× · Cheaper than 75% of peers
P/S (TTM) 0.25× · Cheaper than 75% of peers

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.

VALUE 57 · sector 42
FUTURE 14 · sector 31
PAST 0 · sector 56
HEALTH 93 · sector 92
DIVIDEND 0 · sector 48

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).

Stock Price Fair Value vs Fair Value
The Progressive Corporation PGR $234.48 $252.50 +8%
Chubb Limited CB $337.44 $345.56 +2%
The Travelers Companies, Inc TRV $368.98 $384.42 +4%
The Allstate Corporation ALL $251.61 $503.22 +100%
The People's Insurance Company 601319 ¥7.06 ¥13.71 +94%
Intact Financial Corporation IFC C$294.02 C$247.44 -16%
Fairfax Financial Holdings FFH C$2,327 C$3,252 +40%
QBE Insurance Group QBE A$25.47 A$19.42 -24%
Samsung Fire & Marine Insurance Co 000810 648,000 KRW 658,771 KRW +2%
Powszechny Zaklad Ubezpieczen SA PZU 69.80 PLN 100.85 PLN +44%

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Frequently asked questions

Is Pacific & Orient Berhad, an investment holding company, (6009) overvalued or undervalued?
As of Jul 16, 2026, our model estimates a fair value of 0.6200 MYR versus a price of 0.5250 MYR, about +18% (undervalued).
What is the fair value of 6009?
Our model-based fair value for Pacific & Orient Berhad, an investment holding company, is 0.6200 MYR (as of Jul 16, 2026), built from audited fundamentals. The current price is 0.5250 MYR.
What is the quality score of 6009?
Pacific & Orient Berhad, an investment holding company, has a Quality Score of 43/100. 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 revenue of Pacific & Orient Berhad, an investment holding company, (6009)?
Pacific & Orient Berhad, an investment holding company, reported trailing-twelve-month revenue of about 152M MYR (latest available figure, as of Jul 16, 2026).
What is the net profit margin of 6009?
The net profit margin of Pacific & Orient Berhad, an investment holding company, is about -27.0%, meaning it is currently running at a net loss. Based on the latest reported figures.

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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