XL Holdings Bhd (7121) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of XL Holdings Bhd MYR 0.31, price MYR 0.80, upside -61.5%, quality 30 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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XL Holdings Berhad, an investment holding company, engages in the breeding and rearing of fishery livestock in Malaysia and internationally. It operates through Fish Farming, Merchandise, Foods, Growing Crop, and Other segments.
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XL Holdings Berhad, an investment holding company, engages in the breeding and rearing of fishery livestock in Malaysia and internationally. It operates through Fish Farming, Merchandise, Foods, Growing Crop, and Other segments. The company provides the retailing of aquarium and accessories, and fish feed and medications; trading of fishes, consumables and aquarium accessories, seaweed, pineapple cultivation, and edible foods; edible bird nest, as well as ready-to-serve meals. In addition, it engages in the dairy farm cow farming; solar energy projects; agriculture of chili and pineapple; feedmill production activities; and property holding activities, as well as other management services, general trading, and investment activities. The company was formerly known as Xian Leng Holdings Berhad and changed its name to XL Holdings Berhad in April 2021. XL Holdings Berhad was incorporated in 1998 and is headquartered in Kuala Lumpur, Malaysia.
Stock analysis
XL Holdings Bhd (7121) currently trades at 0.7950 MYR, while our model-based Fair Value estimate is 0.3060 MYR, implying the stock looks roughly 159.8% overvalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of 0.6500 MYR per share, and 1 of the 15 models we run sit above the 0.7950 MYR price.
Bear case: the Economic Profit group reads lowest at 0.1600 MYR, and 14 of the 15 models stay below the price. Evidence for this calculation is low.
Scenario range: 0.2295 MYR (bear) to 0.3910 MYR (bull), the price of 0.7950 MYR sits above 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 30/100 (below-average quality), in the Consumer Defensive sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
XL Holdings Bhd reported revenue of 129M MYR in FY2026 versus 84.2M MYR in FY2022, a compound +11.3%/yr. Reported net income was 9.5M MYR in FY2026, compounding +200.9%/yr from FY2022. FY2022 was a trough year, so the rate overstates the trend.
Key figures
Market cap 390M MYR (≈ $95.6M) · P/E ratio 39.8 · P/S ratio 2.93 · EPS (TTM) 0.0200 MYR · Net margin 7.4% · Return on equity 4.3% · Return on assets (EBIT) 3.6% · Operating margin 13.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 10% below its 52-week high and 35% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Consumer Defensive peers we cover trades at 10% fair-value upside, at −62%, 7121 screens richer than that median.
Fair Value models
Bear 0.2295 MYRFair Value 0.3060 MYRBull 0.3910 MYR
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 2026 figures (about 8 months old). Earnings retained since then (0.0130 MYR 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.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.58/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+18.3%
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.
+15.2%
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.
+35.9%
Start year 2021 (pandemic). Over 10 years: +25.8% a year
Revenue growth 13 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.
+19.3%
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What shareholders gained per year (last 5 years), in MYR ⓘ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. Measured in MYR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+42.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+42.0%
Dividend (yield on the price)0.0%
Profit margin 2021 to 2026 ⓘ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.3% → 8%
Price, fair value, quality and upside side by side.
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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.Farm Products · 296 stocks
Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score30 · Bottom 25%
Fair Value upside−62% · Bottom 25%
Profitability
Return on equity (TTM)4% · Below median
Return on assets3% · Above median
Net margin (TTM)7% · Above median
Operating margin (TTM)13% · Above median
Growth and dividend
Revenue growth97% · Top 25%
Balance sheet
Debt / equity0.04× · Below median
Valuation Multiplesvs Farm Products median · lower = cheaper
P/E (TTM)39.8× · Priciest 25%
P/B0.41× · Cheaper than median
P/S (TTM)0.74× · Pricier than median
EV/EBITDA5.7× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 26
FUTURE (revenue growth)100· sector 21
PAST (return on equity)17· sector 19
HEALTH (low debt)98· sector 94
DIVIDEND (yield)0· sector 47
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "XL Holdings Bhd Fair Value". https://www.fairvalue-calculator.com/stock/7121
Frequently asked questions
Is XL Holdings Bhd (7121) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 0.3060 MYR versus a price of 0.7950 MYR, about −62% upside (overvalued).
What is the fair value of 7121?
Our model-based fair value for XL Holdings Bhd is 0.3060 MYR (as of Sep 24, 2026), built from audited fundamentals. The current price: 0.7950 MYR.
What is the quality score of 7121?
XL Holdings Bhd has a Quality Score of 30/100. 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 XL Holdings Bhd (7121)?
Our model-based price target is the fair value of 0.3060 MYR (as of Sep 24, 2026) from 15 valuation models. Cautious scenario 0.2295 MYR, optimistic scenario 0.3910 MYR. It is a calculation from audited fundamentals, not an analyst target.
What is the XL Holdings Bhd stock forecast for 2026?
Our models put fair value at 0.3060 MYR, about −62% upside versus a price of 0.7950 MYR (overvalued). Cautious scenario 0.2295 MYR, optimistic scenario 0.3910 MYR. The calculation is refreshed regularly with new filings.
What is the revenue of XL Holdings Bhd (7121)?
XL Holdings Bhd reported trailing-twelve-month revenue of about 129M MYR (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of XL Holdings Bhd (7121)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For XL Holdings Bhd it is 0.3060 MYR per share (as of Sep 24, 2026), against a price of 0.7950 MYR. It is the blended result of 15 valuation models (cash flow, earnings, asset, dividend).
Is XL Holdings Bhd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 7121 trades above its calculated fair value: price 0.7950 MYR, fair value 0.3060 MYR, a gap of about −62% (overvalued). 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 7121?
No. The price is what the market pays today (0.7950 MYR); the fair value is what the company's own numbers justify (0.3060 MYR). For XL Holdings Bhd the two are 0.4890 MYR per share apart. That gap is exactly why we show both numbers side by side.
How much is XL Holdings Bhd worth?
The market values XL Holdings Bhd at about 390M MYR (market capitalisation, as of Sep 24, 2026). Per share that is 0.7950 MYR; our models calculate a fair value of 0.3060 MYR per share.
What do the bullish and bearish scenarios say about 7121?
Our models span a range for XL Holdings Bhd: cautious scenario 0.2295 MYR, base 0.3060 MYR, optimistic 0.3910 MYR per share (as of Sep 24, 2026, price 0.7950 MYR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 7121?
XL Holdings Bhd trades at a price-to-earnings ratio of 39.8 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 0.3060 MYR is built from several models across several years. Other multiples: P/B 0.4, P/S 0.7, EV/EBITDA 5.7.
How solid is the balance sheet of XL Holdings Bhd (7121)?
Balance-sheet figures for XL Holdings Bhd (as of Sep 24, 2026): return on equity 4.3%, debt of 0.04 per unit of equity. They feed the Quality Score of 30/100, which measures business quality independently of the share price.
How far is 7121 from its 52-week high?
XL Holdings Bhd trades at 0.7950 MYR, about 10% below its 52-week high of 0.8850 MYR and 35% above the low of 0.5900 MYR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 0.3060 MYR is for.
Which stocks are comparable to XL Holdings Bhd?
From the same area (Consumer Defensive) we also value Archer-Daniels-Midland Company, Muyuan Foods Group, Bunge Global SA, Tyson Foods, 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 XL Holdings Bhd stock attractive at the current price?
The data as of Sep 24, 2026: price 0.7950 MYR, calculated fair value 0.3060 MYR (−62%), Quality Score 30/100, from 15 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 7121 calculated?
We run XL Holdings Bhd through 15 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 0.3060 MYR, 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 14.0 % above its aggregate fair value. XL Holdings Bhd itself currently trades above fair value. 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 XL Holdings Bhd (7121)?
The closing price on Sep 24, 2026 was 0.7950 MYR. Our model-based fair value is 0.3060 MYR, about −62% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with XL Holdings Bhd right now?
The price sits above even our optimistic bull case (0.3910 MYR). The favourable scenario is already priced in. Weak quality (30/100) and above fair value at the same time, the margin of safety is missing on both counts. 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 XL Holdings Bhd
How large is the market capitalisation of XL Holdings Bhd (7121)?
The market capitalisation of XL Holdings Bhd is 390M MYR (≈ $95.6M). 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 XL Holdings Bhd (7121)?
The price-to-sales ratio of XL Holdings Bhd is 2.93 (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 XL Holdings Bhd (7121)?
Earnings per share at XL Holdings Bhd are 0.0200 MYR (price ÷ EPS = P/E 39.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of XL Holdings Bhd (7121)?
The net margin of XL Holdings Bhd is 7.4% (fiscal year 2026). 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 XL Holdings Bhd (7121)?
The return on equity (ROE) of XL Holdings Bhd is 4.3% (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 XL Holdings Bhd (7121)?
On an EBIT basis the return on assets of XL Holdings Bhd is 3.6% (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 XL Holdings Bhd (7121)?
The operating margin of XL Holdings Bhd is 13.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at XL Holdings Bhd (7121)?
Revenue at XL Holdings Bhd is growing +97.4% versus a year earlier (3y avg +15.2%). 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 XL Holdings Bhd (7121)?
Earnings per share at XL Holdings Bhd are growing +30.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does XL Holdings Bhd (7121) generate?
The free cash flow of XL Holdings Bhd is −42.4M MYR (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does XL Holdings Bhd (7121) carry?
The net debt of XL Holdings Bhd is 1.8M MYR (fiscal year 2026). 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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