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ASPIAL CORPORATION LIMITED (A30) Fair Value & Analysis

Consumer Cyclical · SG · Market cap 322M SGD

AC ASPIAL CORPORATION LIMITED A30 · SG
Price0.1530 SGD
Fair Value0.2300 SGD
Upside+50.3%
Quality39/100
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Expensive Growth
Thin margins · 2.5% net margin
Moderate debt · negative free cash flow
Trails peers (5/13)
Narrow moat 32/100
Evidence: Medium Range 0.1600 SGD – 0.2900 SGD Share as image

Fair value as of: Aug 13, 2026

From 9 valuation models · updated 4 days ago

Share price +9.3% over the past month.

Below-average quality, screening 50% undervalued on our models.

What matters now

  • The large discount to fair value meets weak quality (39/100). That raises the risk this is a value trap rather than a bargain.
  • The price is below even our cautious bear case (0.1600 SGD). The market is more pessimistic than our downside scenario.
  • A fairly wide model range (0.1600 SGD to 0.2900 SGD) leaves room in how you read the outcome.
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Price vs Fair Value (5 years)

0.1660 SGD 0.0570 SGD Fair Value 0.2300 SGD May 2021 Aug 2026

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 0.0570 SGD – 0.1660 SGD · fair‑value band 0.1600 SGD – 0.2900 SGD · the 0.1530 SGD price screens below the 0.2300 SGD fair value. Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

ASPIAL CORPORATION LIMITED (A30) currently trades at 0.1530 SGD, while our model-based Fair Value estimate is 0.2300 SGD, implying the stock looks roughly 50.3% undervalued today. The Quality Score stands at 39/100 (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: medium), always confirm before acting.

Over the trailing twelve months, ASPIAL CORPORATION LIMITED generated revenue of 876M SGD at a net margin of 2.5%. Revenue grew 26.0% year over year. It earns a return on equity of 9.5%. Net debt stands at 1.2B SGD. Fundamentals as of Aug 13, 2026

Our scenario range runs from 0.1600 SGD (bear case) to 0.2900 SGD (bull case); at 0.1530 SGD, the current price sits below 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 13% below its 52-week high and 128% 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 50%, A30 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
Residual Income 0.1400 SGD 0.1400 SGD 0.1500 SGD 76
Gordon GGM 0.0100 SGD 0.0100 SGD 70
DDM Multi-Stage 0.0100 SGD 0.0100 SGD 61
All 9 models by family
Dividend Discount
Gordon GGM 0.0100 SGD 0.0100 SGD 70
DDM Multi-Stage 0.0100 SGD 0.0100 SGD 61
Multiples
P/S Multiple 0.1700 SGD 0.2300 SGD 0.2900 SGD 58
P/B Multiple 0.1700 SGD 0.2300 SGD 0.2900 SGD 55
EV/EBIT 0.4000 SGD 0.5800 SGD 0.7500 SGD 53
EV/EBITDA 0.5100 SGD 0.7200 SGD 0.9300 SGD 54
EV/Revenue 0.1700 SGD 0.2900 SGD 0.4200 SGD 43
Asset-Based
NCAV (Graham) 0.0900 SGD 0.1200 SGD 0.1900 SGD 50
Economic Profit
Residual Income 0.1400 SGD 0.1400 SGD 0.1500 SGD 76

Widest divergence: Multiples (0.2900 SGD) versus Dividend Discount (0.0100 SGD). Highest evidence: Residual Income (76).

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Key figures & financial health

Revenue (TTM) 876M SGD
Revenue growth (YoY) +26.0%
Net margin 2.5%
Return on equity 9.5%
Free cash flow −26.1M SGD FY2025
P/E ratio 15.3
More key figures
Operating margin 3.8%
EPS (TTM) 0.0100 SGD
EPS growth (YoY) +59.2%
Net debt 1.2B SGD FY2025

Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 39/100

Of which business quality 35 · Market factors (momentum, volatility) 67

Profitability 28
Margins and returns on capital today
Quality Growth 61
Are margins and returns improving?
Cashflow 6
Earnings quality: real cash, not paper profit
Fin. Strength 11
Balance sheet, leverage, solvency risk
Investment 65
Disciplined investing over empire-building
Low Volatility 41
Calm price path (market factor)
Momentum 70
Price trend over the last 3–12 months (market factor)
52W Momentum 90
Distance to the 52-week high (market factor)
Net Issuance 78
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

Aspial Corporation Limited, an investment holding company, operates in the real estate, financial service, and jewelry businesses in Singapore, Australia, Malaysia, Greater China, and Europe, and internationally. It operates through Retail Business, Real Estate Business, Financial service Business, and Others segments.

Full company description

Aspial Corporation Limited, an investment holding company, operates in the real estate, financial service, and jewelry businesses in Singapore, Australia, Malaysia, Greater China, and Europe, and internationally. It operates through Retail Business, Real Estate Business, Financial service Business, and Others segments. The company is involved in the provision of pawn brokerage and secured lending services; retail and trading of pre-loved jewelry, timepieces, and bags; and branded merchandise. It also operates the jewelry retail business under the Maxi-cash, Lee Hwa, Goldheart Jewelry, and Niessing brands. In addition, the company engages in the rental of properties and provision of management and other support services; property management and development; and jewelry manufacturing and wholesaling activities, as well as operates and manages hotels; and resorts and serviced residences. Further, it offers real estate consultancy services; and treasury services. The company was formerly known as Lee Hwa Holdings Ltd. and changed its name to Aspial Corporation Limited in 2001. Aspial Corporation Limited was incorporated in 1970 and is based in Singapore. Aspial Corporation Limited operates as a subsidiary of MLHS Holdings Pte. Ltd.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

ASPIAL CORPORATION LIMITED reported revenue of 876M SGD in FY2025 versus 417M SGD in FY2021, a compound +20.4%/yr. Reported net income was 30.1M SGD in FY2025.

Growth Quality 50/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Latest Revenue (FY 2025)
876M SGD
Latest YoY
+29.1%
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.
+20.0%
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.
+10.5%
Avg. growth/yr (12Y) 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.
+4.5%
Revenue +20.4%/yr
FY21 417M SGD
FY22 506M SGD
FY23 600M SGD
FY24 678M SGD
FY25 876M SGD
Net income
FY21 −363K SGD
FY22 −14.7M SGD
FY23 −22.2M SGD
FY24 12.1M SGD
FY25 30.1M SGD

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Cite: Fair Value Calculator (2026). "ASPIAL CORPORATION LIMITED Fair Value". https://www.fairvalue-calculator.com/stock/A30

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.

Quality Score 39 · Bottom 25%
Fair Value upside +50% · Top 25%
Return on equity (TTM) 9% · Below median
Return on assets 2% · Below median
Net margin (TTM) 2% · Below median
Operating margin (TTM) 4% · Below median
Revenue growth 26% · Above median
Dividend yield (TTM) 0.3% · Bottom 25%
Debt / equity 0.89× · Higher than 75% of peers

Valuation Multiples vs Luxury Goods median · lower = cheaper

P/E (TTM) 15.3× · Pricier than median
P/B 0.61× · Cheaper than 75% of peers
P/S (TTM) 0.29× · Cheaper than median
EV/EBITDA 7.0× · Cheaper than median

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 100 · sector 16
FUTURE 100 · sector 35
PAST 38 · sector 40
HEALTH 55 · sector 99
DIVIDEND 6 · sector 44

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 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

Is ASPIAL CORPORATION LIMITED (A30) overvalued or undervalued?
As of Aug 13, 2026, our model estimates a fair value of 0.2300 SGD versus a price of 0.1530 SGD, about +50% (undervalued).
What is the fair value of A30?
Our model-based fair value for ASPIAL CORPORATION LIMITED is 0.2300 SGD (as of Aug 13, 2026), built from audited fundamentals. The current price is 0.1530 SGD.
What is the quality score of A30?
ASPIAL CORPORATION LIMITED has a Quality Score of 39/100. 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 ASPIAL CORPORATION LIMITED (A30)?
ASPIAL CORPORATION LIMITED reported trailing-twelve-month revenue of about 876M SGD (latest available figure, as of Aug 13, 2026).
What is the net profit margin of A30?
The net profit margin of ASPIAL CORPORATION LIMITED is about 2.5%, meaning it keeps roughly 2.5% of revenue as net income. 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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