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Aspen Group (APZ) Fair Value & Analysis

Real Estate · AU · Market cap A$1.1B

AG Aspen Group APZ · AU
PriceA$5.27
Fair ValueA$2.60
Upside-50.7%
Quality44/100
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Mixed Growth
Highly profitable · 48.6% net margin
Low debt · generates free cash flow
2.10% dividend yield
Mixed vs. peers (6/15)
Wide moat 71/100
Evidence: High Range A$1.77 – A$3.28 Share as image

Fair value as of: Jul 18, 2026

From 16 valuation models · updated 23 days ago

Share price +1.3% over the past month.

Below-average quality, and screening another 51% overvalued on our models.

What matters now

  • The price sits above even our optimistic bull case (A$3.28). The favourable scenario is already priced in.
  • Weak quality (44/100) and above fair value at the same time, the margin of safety is missing on both counts.
  • A fairly wide model range (A$1.77 to A$3.28) leaves room in how you read the outcome.
  • As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
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Price vs Fair Value (5 years)

A$6.29 A$0.9739 Fair Value A$2.60 May 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 18, 2026.

How to read this chart

60‑month range A$0.9739 – A$6.29 · fair‑value band A$1.77 – A$3.28 · the A$5.27 price screens above the A$2.60 fair value. Dashed = 300-day average. As of Jul 18, 2026.

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Analysis

Aspen Group (APZ) currently trades at A$5.27, while our model-based Fair Value estimate is A$2.60, implying the stock looks roughly 50.7% overvalued today. The Quality Score stands at 44/100 (below-average quality), in the Real Estate sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, Aspen Group generated revenue of A$127M at a net margin of 48.6%. Revenue grew 37.5% year over year. It earns a return on equity of 12.0%. Net debt stands at A$121M. Fundamentals as of Jul 18, 2026

Our scenario range runs from A$1.77 (bear case) to A$3.28 (bull case); at A$5.27, the current price sits above 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 18% below its 52-week high and 54% above its 52-week low, currently above its 200-day average. For context, the median of 10 Real Estate peers we cover trades at -30% fair-value upside, at -51%, APZ screens richer 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 BearBaseBull Evidence
Highest evidence
Growth DCF A$0.9000 A$1.75 A$3.30 80
Residual Income A$2.02 A$2.20 A$2.82 76
Rev-Margin DCF A$1.16 A$2.80 A$5.59 74
All 16 models by family
DCF Models
FCF DCF A$0.9900 A$1.62 A$3.50 38
5Y Revenue Exit A$1.16 A$2.41 A$4.97 39
5Y EBITDA Exit A$1.56 A$3.23 A$6.44 41
10Y Revenue Exit A$1.04 A$2.81 A$4.17 36
10Y EBITDA Exit A$1.36 A$3.57 A$7.70 37
Dividend Discount
Gordon GGM A$0.6300 A$1.13 A$1.56 70
DDM Multi-Stage A$0.6300 A$1.04 A$1.21 61
Multiples
P/S Multiple A$2.32 A$3.09 A$3.86 58
P/B Multiple A$3.19 A$4.26 A$5.32 55
EV/EBIT A$2.37 A$3.29 A$4.21 53
EV/EBITDA A$1.83 A$2.57 A$3.31 54
EV/Revenue A$1.14 A$1.79 A$2.44 43
Asset-Based
NCAV (Graham) A$1.21 A$1.62 A$2.41 50
Growth DCF
Growth DCF A$0.9000 A$1.75 A$3.30 80
Rev-Margin DCF A$1.16 A$2.80 A$5.59 74
Economic Profit
Residual Income A$2.02 A$2.20 A$2.82 76

Widest divergence: Multiples (A$3.09) versus Dividend Discount (A$1.04). Highest evidence: Growth DCF (80).

Key figures & financial health

Revenue (TTM) A$127M
Revenue growth (YoY) +37.5%
Net margin 48.6%
Return on equity 12.0%
Free cash flow A$22.9M FY2025
P/E ratio 16.9
More key figures
Operating margin 32.8%
EPS (TTM) A$0.2800
Dividend yield 2.3%
EPS growth (YoY) +1.4%
Net debt A$121M FY2025

Figures from reported company fundamentals · as of Jul 18, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 44/100

Of which business quality 43 · Market factors (momentum, volatility) 63

Profitability 43
Margins and returns on capital today
Quality Growth 38
Are margins and returns improving?
Cashflow 65
Earnings quality: real cash, not paper profit
Fin. Strength 57
Balance sheet, leverage, solvency risk
Investment 40
Disciplined investing over empire-building
Low Volatility 73
Calm price path (market factor)
Momentum 56
Price trend over the last 3–12 months (market factor)
52W Momentum 64
Distance to the 52-week high (market factor)
Net Issuance 0
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

Aspen Group is a stapled entity comprising Aspen Group Limited (the Company) and its controlled entities, and Aspen Property Trust and its controlled entities. Aspen was established for the purpose of facilitating a joint quotation of the Trust and the Company and their controlled entities on the ASX, with both entities being stapled together.

Full company description

Aspen Group is a stapled entity comprising Aspen Group Limited (the Company) and its controlled entities, and Aspen Property Trust and its controlled entities. Aspen was established for the purpose of facilitating a joint quotation of the Trust and the Company and their controlled entities on the ASX, with both entities being stapled together. The Deed of the Trust and the Constitution of the Company ensure that, for so long as the two entities remain jointly quoted, the number of units in the Trust and the number of shares in the Company shall be equal and that unitholders and shareholders be identical. With the establishment of Aspen via a stapling arrangement, the combined group has common business objectives and operates as a combined entity in the core business of owning, developing and operating affordable accommodation assets. The Trust, the Company and their controlled entities are domiciled in Australia. The consolidated financial statements of Aspen as at and for the year ended 30 June 2025 are combined financial statements that present the financial statements and accompanying notes of both the Company and the Trust along with their subsidiaries and their interests in associates and jointly controlled entities. Aspen is a for-profit entity and is primarily involved in investment in and operation of accommodation assets. Aspen Group was incorporated in 2001 in Australia. The address of Aspen's registered office is Suite 21, 285A Crown Street, Surry Hills, New South Wales 2010.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Aspen Group reported revenue of A$108M in FY2025 versus A$35.5M in FY2021, a compound +32.1%/yr. Reported net income was A$57.1M in FY2025, compounding +22.4%/yr from FY2021.

Growth Quality 83/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
A$108M
Latest YoY
+18.7%
Avg. growth/yr (3Y)
+32.3%
Avg. growth/yr (5Y)
+28.9%
Avg. growth/yr (25Y)
+22.5%
Revenue +32.1%/yr
FY21 A$35.5M
FY22 A$46.7M
FY23 A$65.7M
FY24 A$91.1M
FY25 A$108M
Net income +22.4%/yr
FY21 A$25.4M
FY22 A$75.4M
FY23 A$54.4M
FY24 A$48.4M
FY25 A$57.1M

APZ screens 51% overvalued. Compare with Swiss Prime Site AG →

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Cite: Fair Value Calculator (2026). "Aspen Group Fair Value". https://www.fairvalue-calculator.com/stock/APZ

Peer Group

Real Estate - Diversified · 138 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 43 · Below median
Fair Value upside −51% · Bottom 25%
Return on equity (TTM) 12% · Top 25%
Return on assets 3% · Top 25%
Net margin (TTM) 49% · Top 25%
Operating margin (TTM) 33% · Above median
Revenue growth 38% · Top 25%
Dividend yield (TTM) 2.1% · Below median
Debt / equity 0.18× · Lower than median

Valuation Multiples vs Real Estate - Diversified median · lower = cheaper

P/E (TTM) 17.6× · Pricier than median
P/B 1.45× · Pricier than 75% of peers
P/S (TTM) 6.25× · Pricier than 75% of peers
P/FCF 34.7× · Pricier than 75% of peers
EV/EBITDA 20.4× · Pricier than 75% of peers
PEG 1.94× · Pricier 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 0 · sector 46
FUTURE 100 · sector 33
PAST 48 · sector 17
HEALTH 91 · sector 75
DIVIDEND 42 · sector 45

VALUE 0: the price sits above our fair-value range.

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.

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10 more Real Estate - Diversified stocks, each showing price versus our Fair Value estimate (as of Jul 18, 2026).

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Frequently asked questions

Is Aspen Group (APZ) overvalued or undervalued?
As of Jul 18, 2026, our model estimates a fair value of A$2.60 versus a price of A$5.27, about −51% (overvalued).
What is the fair value of APZ?
Our model-based fair value for Aspen Group is A$2.60 (as of Jul 18, 2026), built from audited fundamentals. The current price is A$5.27.
What is the quality score of APZ?
Aspen Group has a Quality Score of 44/100. 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 Aspen Group (APZ)?
Aspen Group reported trailing-twelve-month revenue of about A$127M (latest available figure, as of Jul 18, 2026).
What is the net profit margin of APZ?
The net profit margin of Aspen Group is about 48.6%, meaning it keeps roughly 48.6% of revenue as net income. Based on the latest reported figures.
Does Aspen Group pay a dividend?
Aspen Group currently shows a dividend yield of about 2.28% relative to its recent price (as of Jul 18, 2026).

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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