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Raffles Medical Group (BSL) Fair Value & Analysis

Healthcare · SG · Market cap 1.7B SGD

RM Raffles Medical Group BSL · SG
Price0.9400 SGD
Fair Value0.8200 SGD
Upside-12.8%
Quality66/100
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Evidence: High Range 0.6100 SGD – 1.02 SGD

Fair value as of: Jul 4, 2026

From 26 valuation models · updated 11 days ago

Price vs Fair Value (12 months)

1.04 SGD 0.9100 SGD Fair Value 0.8200 SGD Jul 2025 Jul 2026

12‑month range 0.9100 SGD – 1.04 SGD · fair‑value band 0.6100 SGD – 1.02 SGD · the 0.9400 SGD price screens above the 0.8200 SGD fair value. As of Jul 4, 2026.

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Analysis

Raffles Medical Group (BSL) currently trades at 0.9400 SGD, while our model-based Fair Value estimate is 0.8200 SGD — implying the stock looks roughly 12.8% overvalued today. We read business quality at 66/100 (solid quality), in the Healthcare 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, Raffles Medical Group generated revenue of 766M SGD at a net margin of 9.2%. Revenue grew 0.1% year over year. It earns a return on equity of 6.7%. Net debt stands at 13.3M SGD. Fundamentals as of Jul 4, 2026

Our scenario range runs from 0.6100 SGD (bear case) to 1.02 SGD (bull case); at 0.9400 SGD, the current price sits within that range. The share trades about 11% below its 52-week high and 4% above its 52-week low, currently below its 200-day average. For context, the median of 10 Healthcare peers we cover trades at 7% fair-value upside — at -13%, BSL screens richer than that median.

Key figures & financial health

Revenue (TTM) 766M SGD
Revenue growth (YoY) +0.1%
Net margin 9.2%
Return on equity 6.7%
Free cash flow 91.3M SGD FY2025
P/E ratio 23.0
More key figures
Operating margin 11.5%
EPS (TTM) 0.0400 SGD
Dividend yield 3.3%
EPS growth (YoY) +22.4%
Net debt 13.3M SGD FY2019

Figures from reported company fundamentals (EODHD) · as of Jul 4, 2026. TTM = trailing twelve months.

About the company

Raffles Medical Group Ltd provides private healthcare services in Singapore, Greater China, Vietnam, Cambodia, and Japan. It operates through four segments: Healthcare Services, Hospital Services, Investment Holdings, and Insurance Services. The company operates Raffles Hospital that offers 24-hour acute and critical care; ambulance services and mobile medical calls to home, hotels, worksites, and onboard ships; and triage, emergency consultation, and inpatient ward admission services. Its hospital also provides various services, including covid 19 test, health screening, executive medical centre, statutory health check, dental, and chinese medicine; and specialist centers for cancer, children, counselling, diabetes and endocrine, dialysis, eye, fertility, heart, internal medicine, neuroscience, nuclear medicine, orthopaedic, pain management, rehabilitation, skin and aesthetics, surgery, urology, and woman, as well as ear, nose, and throat. In addition, the company offers health …

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Raffles Medical Group reported revenue of 765M SGD in FY2025 versus 724M SGD in FY2021, a compound +1.4%/yr. Reported net income was 70.6M SGD in FY2025, compounding −4.3%/yr from FY2021.

Revenue +1.4%/yr
FY21 724M SGD
FY22 767M SGD
FY23 707M SGD
FY24 752M SGD
FY25 765M SGD
Net income −4.3%/yr
FY21 84.2M SGD
FY22 144M SGD
FY23 90.2M SGD
FY24 62.2M SGD
FY25 70.6M SGD

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Cite: Fair Value Calculator (2026). "Raffles Medical Group Fair Value". https://www.fairvalue-calculator.com/stock/BSL.SG

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Frequently asked questions

Is Raffles Medical Group (BSL) undervalued?
As of Jul 4, 2026, our model estimates a fair value of 0.8200 SGD versus a price of 0.9400 SGD — about −13% (overvalued). Model-based estimate, not financial advice.
What is the fair value of BSL?
Our model-based fair value for Raffles Medical Group is 0.8200 SGD (as of Jul 4, 2026), built from audited fundamentals. The current price is 0.9400 SGD.
What is the quality score of BSL?
Raffles Medical Group has a Quality Score of 66/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Raffles Medical Group (BSL)?
Raffles Medical Group reported trailing-twelve-month revenue of about 766M SGD (latest available figure, as of Jul 4, 2026).
What is the net profit margin of BSL?
The net profit margin of Raffles Medical Group is about 9.2%, meaning it keeps roughly 9.2% of revenue as net income. Based on the latest reported figures.
Does Raffles Medical Group pay a dividend?
Raffles Medical Group currently shows a dividend yield of about 3.30% relative to its recent price (as of Jul 4, 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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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.