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Fitness Champs Holdings (FCHL) Fair Value & Analysis

Consumer Defensive · US · Market cap $1.8M

FC Fitness Champs Holdings logo Fitness Champs Holdings FCHL · US
Price$1.21
Fair Value$1.96
Upside+62.0%
Quality41/100
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Mixed Growth
Loss-making · -32.9% net margin
Moderate debt · generates free cash flow
Trails peers (2/11)
Narrow moat 8/100
Evidence: Low Range $1.07 – $2.86 Share as image

Fair value as of: Jul 16, 2026

From 7 valuation models · updated 26 days ago

Fair value updated Jul 16, 2026, revised from $1.82 to $1.96 (+7.7%) since Jun 24, 2026. Share price −8.3% over the past month.

Below-average quality, screening 62% undervalued on our models.

What matters now

  • The large discount to fair value meets weak quality (41/100). That raises the risk this is a value trap rather than a bargain.
  • The model range is unusually wide ($1.07 to $2.86). The outcome hinges heavily on assumptions, so read the point estimate with caution.
  • The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
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Price vs Fair Value (11 months)

$3,240 $0.9900 Fair Value $1.96 Sep 2025 Aug 2026

White line = price, green steps = our fair value per fiscal year. As of Jul 16, 2026.

How to read this chart

11‑month range $0.9900 – $3,240 · fair‑value band $1.07 – $2.86 · the $1.21 price screens below the $1.96 fair value. As of Jul 16, 2026.

Full chart & analysis →

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Analysis

Fitness Champs Holdings (FCHL) currently trades at $1.21, while our model-based Fair Value estimate is $1.96, implying the stock looks roughly 62.0% undervalued today. The Quality Score stands at 41/100 (below-average quality), in the Consumer Defensive 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, Fitness Champs Holdings generated revenue of $4.2M at a net margin of -32.9%. Revenue declined 0.1% year over year. Net debt stands at $1.3M. Fundamentals as of Jul 16, 2026

Our scenario range runs from $1.07 (bear case) to $2.86 (bull case); at $1.21, 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. For context, the median of 10 Consumer Defensive peers we cover trades at 17% fair-value upside, at 62%, FCHL 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
Growth DCF $4.76 $5.68 $6.68 80
Rev-Margin DCF $4.18 $5.41 $6.74 74
NCAV (Graham) $0.3000 $0.4000 $0.5900 50
All 7 models by family
DCF Models
FCF DCF $4.72 $5.72 $6.87 38
5Y Revenue Exit $4.18 $5.35 $6.74 39
10Y Revenue Exit $4.34 $5.32 $6.47 36
Multiples
EV/Revenue $3.92 $5.07 $6.22 43
Asset-Based
NCAV (Graham) $0.3000 $0.4000 $0.5900 50
Growth DCF
Growth DCF $4.76 $5.68 $6.68 80
Rev-Margin DCF $4.18 $5.41 $6.74 74

Widest divergence: Growth DCF ($5.41) versus Asset-Based ($0.4000). Highest evidence: Growth DCF (80).

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Key figures & financial health

Revenue (TTM) $4.2M
Revenue growth (YoY) -0.1%
Net margin -32.9%
Return on equity -348%
Free cash flow $582K FY2025
Operating margin -56.7%
More key figures
EPS (TTM) $-28.20
Net debt $1.3M FY2024

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

Quality Score breakdown

Overall quality 41/100

Of which business quality 47 · Market factors (momentum, volatility) 0

Profitability 36
Margins and returns on capital today
Quality Growth 2
Are margins and returns improving?
Cashflow 73
Earnings quality: real cash, not paper profit
Fin. Strength 49
Balance sheet, leverage, solvency risk
Investment 33
Disciplined investing over empire-building
Low Volatility 0
Calm price path (market factor)
Momentum 0
Price trend over the last 3–12 months (market factor)
52W Momentum 0
Distance to the 52-week high (market factor)
Net Issuance 82
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

Fitness Champs Holdings Limited, through its subsidiaries, provides sports education for private sector and public schools in Singapore. It operates through Swim Fees, Sales of Merchandise, and Pickleball segments.

Full company description

Fitness Champs Holdings Limited, through its subsidiaries, provides sports education for private sector and public schools in Singapore. It operates through Swim Fees, Sales of Merchandise, and Pickleball segments. The company offers school-based swimming lessons; private swimming lessons and aquatic sports; and merchandises swimming goggles, swim caps, swimsuits, and various flotation devices. It provides services under the Fitness Champs brand name. The company was founded in 2012 and is based in Singapore. Fitness Champs Holdings Limited operates as a subsidiary of Big Treasure Investments Limited.

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

Revenue & earnings trend

FY2022 – FY2025 · reported fiscal years

Fitness Champs Holdings reported revenue of $4.2M in FY2025 versus $2.8M in FY2022, a compound +14.5%/yr. Reported net income was −$1.4M in FY2025.

Growth Quality 61/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
$4.2M
Latest YoY
−1.6%
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.
+14.5%
Revenue +14.5%/yr
FY22 $2.8M
FY23 $4.7M
FY24 $4.2M
FY25 $4.2M
Net income
FY22 $663K
FY23 $1.1M
FY24 $172K
FY25 −$1.4M

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Cite: Fair Value Calculator (2026). "Fitness Champs Holdings Fair Value". https://www.fairvalue-calculator.com/stock/FCHL

Peer Group

Education & Training Services · 148 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 41 · Bottom 25%
Fair Value upside +62% · Top 25%
Return on assets -37% · Bottom 25%
Net margin (TTM) -33% · Bottom 25%
Operating margin (TTM) -57% · Bottom 25%
Revenue growth -0% · Below median
Debt / equity 0.51× · Higher than 75% of peers

Valuation Multiples vs Education & Training Services median · lower = cheaper

P/B 2.33× · Pricier than median
P/S (TTM) 0.43× · Cheaper than median
P/FCF 3.1× · 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 100 · sector 37
FUTURE 0 · sector 24
PAST 0 · sector 18
HEALTH 75 · sector 95
DIVIDEND 0 · sector 66

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 Education & Training Services stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).

Stock Price Fair Value vs Fair Value
New Oriental Education & Technology Group EDUN 966.48 MXN 897.37 MXN -7%
TAL Education Group TAL $10.24 $15.60 +52%
Laureate Education, Inc LAUR $36.45 $41.45 +14%
Physicswallah Limited PWL ₹131.59 ₹14.81 -89%
Grand Canyon Education, Inc LOPE $149.00 $152.01 +2%
Covista Inc CVSA $116.22 $135.45 +17%
Stride, Inc LRN $83.39 $139.45 +67%
Universal Technical Institute, Inc UTI $40.33 $21.35 -47%
Perdoceo Education Corporation PRDO $31.66 $41.45 +31%
Strategic Education, Inc STRA $84.18 $105.48 +25%

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Frequently asked questions

Is Fitness Champs Holdings (FCHL) overvalued or undervalued?
As of Jul 16, 2026, our model estimates a fair value of $1.96 versus a price of $1.21, about +62% (undervalued).
What is the fair value of FCHL?
Our model-based fair value for Fitness Champs Holdings is $1.96 (as of Jul 16, 2026), built from audited fundamentals. The current price is $1.21.
What is the quality score of FCHL?
Fitness Champs Holdings has a Quality Score of 41/100. 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 Fitness Champs Holdings (FCHL)?
Fitness Champs Holdings reported trailing-twelve-month revenue of about $4.2M (latest available figure, as of Jul 16, 2026).
What is the net profit margin of FCHL?
The net profit margin of Fitness Champs Holdings is about -32.9%, 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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