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FIT INVEST JSC (FIT) fair value: what the stock is really worth

As of Sep 24, 2026: fair value of FIT INVEST JSC VND 5,900, price VND 2,850, upside +107.0%, quality 52 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · VN · ISIN VN000000FIT6

FI Thin data Sep 24, 2026

FIT INVEST JSC

FIT · VN

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value 5,900 VND · Strongly undervalued (+107%)
!Quality 52/100
!Mixed Growth (revenue 5y +11.8 %/yr)
!Thin margins · 1.0% net margin (TTM)
✓Low debt · generates free cash flow
!Trails peers (4/13)
!Narrow moat 25/100
!Evidence only low, so the estimate is less certain
!Weak on past: 1 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

5,650 VND 2,850 VND Fair Value 5,900 VND Apr 2025 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

17‑month range 2,850 VND – 5,650 VND · fair‑value band 5,900 VND – 8,806 VND · the 2,850 VND price screens below the 5,900 VND fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

F.I.T Group Joint Stock Company engages in the manufacturing and trading of medicine and medical equipment in Vietnam. It operates through three segments: Consultancy and Investment, Agriculture, and Pharmaceuticals and Medical Equipment.

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F.I.T Group Joint Stock Company engages in the manufacturing and trading of medicine and medical equipment in Vietnam. It operates through three segments: Consultancy and Investment, Agriculture, and Pharmaceuticals and Medical Equipment. The Consultancy and Investment segment offers services, including investment consultancy, M&A consultancy, equitization consultancy, corporate governance consultancy, market development consultancy, business financial management consultancy, human resource development consultancy, real estate brokerage, and leasing offices, as well as trading real estate and managing parking areas and public facilities. The Agriculture segment engages in the trading, processing, and exporting of agricultural products, plant varieties, seeds, consumer goods, mineral water, and related services. The Pharmaceuticals and Medical Equipment segment focuses on trading pharmaceuticals, medical equipment, producing capsules, and manufacturing medical devices. The company also conducts financial investment activities, including investments in shares of unlisted companies, capital contributions, and investment cooperation contracts. In addition, the company invests in stocks and bonds, as well as in businesses operating in large-scale sectors; and offers investment consulting services comprising consulting on corporate restructuring, corporate financial management, and business valuation. Further, it manufactures and exports canned and frozen vegetables; produces mineral water, green tea, and tonics; and offers cosmetics. The company was formerly known as F.I.T Investment Joint Stock Company and changed its name to F.I.T Group Joint Stock Company in October 2016. F.I.T Group Joint Stock Company was founded in 2007 and is based in Hanoi, Vietnam.

Stock analysis

FIT INVEST JSC (FIT) currently trades at 2,850 VND, while our model-based Fair Value estimate is 5,900 VND, implying the stock looks roughly 51.7% undervalued today.

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Valuation

Bull case: the Growth DCF group reads highest at a median of 18,761 VND per share, and 7 of the 10 models we run sit above the 2,850 VND price.

Bear case: the Earnings-Based group reads lowest at 1,067 VND, and 3 of the 10 models stay below the price. Evidence for this calculation is low.

Scenario range: 5,900 VND (bear) to 8,806 VND (bull), the price of 2,850 VND sits below 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 52/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

FIT INVEST JSC reported revenue of 2.1T VND in FY2025 versus 1.2T VND in FY2021, a compound +14.2%/yr. Reported net income was 40.0B VND in FY2025, compounding −29.1%/yr from FY2021.

Key figures

Market cap 1.2T VND · P/E ratio 50.1 · P/S ratio 0.97 · EPS (TTM) 56.88 VND · Net margin 1.9% · Return on equity 0.2% · Return on assets (EBIT) 1.0% · Operating margin 0.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).

What moves the price

The share trades about 50% below its 52-week high and at its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −4% fair-value upside, at 107%, FIT screens cheaper than that median.

Fair Value models

Bear 5,900 VND Fair Value 5,900 VND Bull 8,806 VND
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 2025 figures (about 9 months old). Earnings retained since then (41.76 VND 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.
Highest evidence
Growth DCF 42,275 VND 68,176 VND 107,724 VND 77
Rev-Margin DCF 15,429 VND 18,761 VND 22,410 VND 74
5Y P/E Exit 14,853 VND 17,744 VND 20,319 VND 72
All 10 models by family
DCF Models
5Y P/E Exit 14,853 VND 17,744 VND 20,319 VND 72
10Y P/E Exit 24,380 VND 29,787 VND 35,725 VND 65
Earnings-Based
Graham-Dodd 799.83 VND 3,064 VND 4,151 VND 64
Lynch FV 746.79 VND 1,067 VND 1,387 VND 61
Multiples
P/E Multiple 1,147 VND 1,529 VND 1,911 VND 63
P/B Multiple 1,500 VND 2,000 VND 2,499 VND 55
Asset-Based
NCAV (Graham) 5,697 VND 7,634 VND 11,394 VND 54
Growth DCF
Growth DCF 42,275 VND 68,176 VND 107,724 VND 77
Rev-Margin DCF 15,429 VND 18,761 VND 22,410 VND 74
Economic Profit
Residual Income 7,664 VND 7,067 VND 5,058 VND 71

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Quality Score breakdown

Overall quality 52/100

Of which business quality 55 · Market factors (momentum, volatility) 24

Profitability 15
Margins and returns on capital today
Quality Growth 33
Are margins and returns improving?
Cashflow 95
Earnings quality: real cash, not paper profit
Fin. Strength 42
Balance sheet, leverage, solvency risk
Investment 72
Disciplined investing over empire-building
Low Volatility 71
Calm price path (market factor)
Momentum 6
Price trend over the last 3–12 months (market factor)
52W Momentum 0
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 85/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+6.1%
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.
+2.6%
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.
+11.8%
Start year 2020 (pandemic)
Revenue growth 6 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.
+9.8%
What shareholders gained per year (last 5 years), in VND ⓘ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. Basis: EBIT basis. Measured in VND: 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.
+24.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+24.3%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘ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% → 4%

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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.Asset Management · 656 stocks

Beats the industry median on 4/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 53 · Below median
Fair Value upside +107% · Top 25%
Profitability
Return on equity (TTM) 0% · Below median
Return on assets 0% · Bottom 25%
Net margin (TTM) 1% · Bottom 25%
Operating margin (TTM) 0% · Bottom 25%
Growth and dividend
Revenue growth −4% · Below median
Balance sheet
Debt / equity 0.13× · Above median

Valuation Multiplesvs Asset Management median · lower = cheaper

P/E (TTM) 50.1× · Priciest 25%
P/B 0.31× · Cheapest 25%
P/S (TTM) 0.59× · Cheapest 25%
P/FCF 0.0× · Cheapest 25%
EV/EBITDA 9.9× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 56
FUTURE (revenue growth)0 · sector 21
PAST (return on equity)1 · sector 22
HEALTH (low debt)93 · sector 95
DIVIDEND (yield)0 · sector 81

Context: sector, industry, market

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

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Brookfield Corporation BN $37.85 $13.75 −64%
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Apollo Global Management, Inc APO $124.36 $229.64 +85%
State Street Corporation STT $179.95 $138.33 −23%
Ameriprise Financial, Inc AMP $502.79 $579.51 +15%
Ares Management Corporation ARES $124.72 $119.25 −4%
Northern Trust Corporation NTRS $173.40 $122.02 −30%
Raymond James Financial, Inc RJF $158.23 $312.27 +97%
T. Rowe Price Group TROW $104.57 $209.14 +100%

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FIT INVEST JSC · Fair Value
5,900 VND +52%Fair Value
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Cite: Fair Value Calculator (2026). "FIT INVEST JSC Fair Value". https://www.fairvalue-calculator.com/stock/FIT

Frequently asked questions

Is FIT INVEST JSC (FIT) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 5,900 VND versus a price of 2,850 VND, about +107% upside (undervalued).
What is the fair value of FIT?
Our model-based fair value for FIT INVEST JSC is 5,900 VND (as of Sep 24, 2026), built from audited fundamentals. The current price: 2,850 VND.
What is the quality score of FIT?
FIT INVEST JSC has a Quality Score of 52/100. 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 FIT INVEST JSC (FIT)?
Our model-based price target is the fair value of 5,900 VND (as of Sep 24, 2026) from 10 valuation models. Cautious scenario 5,900 VND, optimistic scenario 8,806 VND. It is a calculation from audited fundamentals, not an analyst target.
What is the FIT INVEST JSC stock forecast for 2026?
Our models put fair value at 5,900 VND, about +107% upside versus a price of 2,850 VND (undervalued). Cautious scenario 5,900 VND, optimistic scenario 8,806 VND. The calculation is refreshed regularly with new filings.
What is the revenue of FIT INVEST JSC (FIT)?
FIT INVEST JSC reported trailing-twelve-month revenue of about 2.1T VND (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of FIT INVEST JSC (FIT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For FIT INVEST JSC it is 5,900 VND per share (as of Sep 24, 2026), against a price of 2,850 VND. It is the blended result of 10 valuation models (cash flow, earnings, asset, dividend).
Is FIT INVEST JSC stock overvalued or undervalued in 2026?
As of Sep 24, 2026, FIT trades below its calculated fair value: price 2,850 VND, fair value 5,900 VND, a gap of about +107% (undervalued). 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 FIT?
No. The price is what the market pays today (2,850 VND); the fair value is what the company's own numbers justify (5,900 VND). For FIT INVEST JSC the two are 3,050 VND per share apart. That gap is exactly why we show both numbers side by side.
How much is FIT INVEST JSC worth?
The market values FIT INVEST JSC at about 1.2T VND (market capitalisation, as of Sep 24, 2026). Per share that is 2,850 VND; our models calculate a fair value of 5,900 VND per share.
What do the bullish and bearish scenarios say about FIT?
Our models span a range for FIT INVEST JSC: cautious scenario 5,900 VND, base 5,900 VND, optimistic 8,806 VND per share (as of Sep 24, 2026, price 2,850 VND). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FIT?
FIT INVEST JSC trades at a price-to-earnings ratio of 50.1 (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 5,900 VND is built from several models across several years. Other multiples: P/B 0.3, P/S 0.6, EV/EBITDA 9.9.
How solid is the balance sheet of FIT INVEST JSC (FIT)?
Balance-sheet figures for FIT INVEST JSC (as of Sep 24, 2026): return on equity 0.2%, debt of 0.13 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is FIT from its 52-week high?
FIT INVEST JSC trades at 2,850 VND, about 50% below its 52-week high of 5,650 VND and at the low of 2,850 VND (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 5,900 VND is for.
Which stocks are comparable to FIT INVEST JSC?
From the same area (Financial Services) we also value Blackstone Inc, Brookfield Corporation, KKR & Co, Apollo Global Management, 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 FIT INVEST JSC stock attractive at the current price?
The data as of Sep 24, 2026: price 2,850 VND, calculated fair value 5,900 VND (+107%), Quality Score 52/100, from 10 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 FIT calculated?
We run FIT INVEST JSC through 10 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 5,900 VND, 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. FIT INVEST JSC currently trades 107 % below its own fair value, and the market average says nothing about that. 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 FIT INVEST JSC (FIT)?
The closing price on Sep 24, 2026 was 2,850 VND. Our model-based fair value is 5,900 VND, about +107% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with FIT INVEST JSC right now?
The price is below even our cautious bear case (5,900 VND). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (52/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of FIT INVEST JSC

How large is the market capitalisation of FIT INVEST JSC (FIT)?
The market capitalisation of FIT INVEST JSC is 1.2T VND. 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 FIT INVEST JSC (FIT)?
The price-to-sales ratio of FIT INVEST JSC is 0.97 (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 FIT INVEST JSC (FIT)?
Earnings per share at FIT INVEST JSC are 56.88 VND (price ÷ EPS = P/E 50.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of FIT INVEST JSC (FIT)?
The net margin of FIT INVEST JSC is 1.9% (fiscal year 2025). 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 FIT INVEST JSC (FIT)?
The return on equity (ROE) of FIT INVEST JSC is 0.2% (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 FIT INVEST JSC (FIT)?
On an EBIT basis the return on assets of FIT INVEST JSC is 1.0% (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 FIT INVEST JSC (FIT)?
The operating margin of FIT INVEST JSC is 0.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at FIT INVEST JSC (FIT)?
Revenue at FIT INVEST JSC is growing −4.2% versus a year earlier (3y avg +2.6%). 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 FIT INVEST JSC (FIT)?
Earnings per share at FIT INVEST JSC are growing −32.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does FIT INVEST JSC (FIT) generate?
The free cash flow of FIT INVEST JSC is 1.2T VND (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does FIT INVEST JSC (FIT) carry?
The net debt of FIT INVEST JSC is 1.4T VND (fiscal year 2025, ≈ 1.1 yrs of FCF). 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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