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JFC Fair Value & Analysis

Consumer Cyclical · PH · Market cap 149B PHP

J JFC JFC · PSE
Price145.80 PHP
Fair Value210.34 PHP
Upside+44.3%
Quality62/100
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Healthy Growth
Thin margins · 0.0% net margin
Moderate debt
Trails peers (2/9)
Moderate moat 60/100
Evidence: High Range 157.75 PHP – 262.92 PHP Share as image

Fair value as of: Jul 10, 2026

From 26 valuation models · updated 31 days ago

Fair value updated Jul 10, 2026, revised from 210.10 PHP to 210.34 PHP (+0.1%) since Jun 24, 2026. Share price +12.9% over the past month.

A solid business, screening 44% undervalued on our models.

What matters now

  • The price is below even our cautious bear case (157.75 PHP). The market is more pessimistic than our downside scenario.
  • Solid quality (62/100) at a price below fair value, the discount is the argument here, not the business quality.
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Price vs Fair Value (5 years)

269.87 PHP 122.00 PHP Fair Value 210.34 PHP Feb 2021 Jul 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 10, 2026.

How to read this chart

60‑month range 122.00 PHP – 269.87 PHP · fair‑value band 157.75 PHP – 262.92 PHP · the 145.80 PHP price screens below the 210.34 PHP fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 10, 2026.

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Analysis

JFC (JFC) currently trades at 145.80 PHP, while our model-based Fair Value estimate is 210.34 PHP, implying the stock looks roughly 44.3% undervalued today. The Quality Score stands at 62/100 (solid 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: high), always confirm before acting.

The stock trades on a trailing P/E of 49.4. Fundamentals as of Jul 10, 2026

Our scenario range runs from 157.75 PHP (bear case) to 262.92 PHP (bull case); at 145.80 PHP, 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 38% below its 52-week high and 15% above its 52-week low. For context, the median of 10 Consumer Cyclical peers we cover trades at 29% fair-value upside, at 44%, JFC 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 238.62 PHP 451.87 PHP 819.34 PHP 80
Residual Income 74.36 PHP 96.24 PHP 269.02 PHP 76
Rev-Margin DCF 182.73 PHP 337.44 PHP 541.18 PHP 74
All 26 models by family
DCF Models
FCF DCF 241.86 PHP 477.82 PHP 897.91 PHP 38
Owner Earnings 92.87 PHP 200.65 PHP 392.54 PHP 31
5Y Revenue Exit 182.73 PHP 341.01 PHP 556.43 PHP 39
5Y EBITDA Exit 252.85 PHP 488.04 PHP 786.90 PHP 41
5Y P/E Exit 165.56 PHP 305.00 PHP 464.54 PHP 38
10Y Revenue Exit 193.62 PHP 352.17 PHP 597.20 PHP 36
10Y EBITDA Exit 247.04 PHP 460.96 PHP 793.37 PHP 37
10Y P/E Exit 188.75 PHP 325.52 PHP 518.99 PHP 35
Earnings-Based
Graham-Dodd 72.22 PHP 354.94 PHP 489.31 PHP 54
Lynch FV 95.46 PHP 136.37 PHP 177.28 PHP 50
PEG = 1.0 95.46 PHP 136.37 PHP 177.28 PHP 46
EPV 139.87 PHP 168.58 PHP 193.70 PHP 59
Dividend Discount
Gordon GGM 12.83 PHP 26.67 PHP 42.31 PHP 70
DDM Multi-Stage 12.83 PHP 22.49 PHP 27.99 PHP 61
Multiples
P/E Multiple 175.24 PHP 233.65 PHP 292.06 PHP 63
P/S Multiple 135.41 PHP 180.55 PHP 225.69 PHP 58
P/B Multiple 135.41 PHP 180.55 PHP 225.69 PHP 55
EV/EBIT 247.65 PHP 341.00 PHP 434.35 PHP 53
EV/EBITDA 280.19 PHP 384.38 PHP 488.58 PHP 54
EV/Revenue 156.37 PHP 237.28 PHP 318.18 PHP 43
Asset-Based
NCAV (Graham) 38.29 PHP 51.31 PHP 76.58 PHP 50
Growth DCF
Growth DCF 238.62 PHP 451.87 PHP 819.34 PHP 80
Rev-Margin DCF 182.73 PHP 337.44 PHP 541.18 PHP 74
Economic Profit
Residual Income 74.36 PHP 96.24 PHP 269.02 PHP 76
ROIC Compounder 163.86 PHP 237.97 PHP 338.67 PHP 72
Growth Earnings
Growth-Adj P/E 150.95 PHP 215.65 PHP 280.34 PHP 68

Widest divergence: DCF Models (341.01 PHP) versus Dividend Discount (22.49 PHP). Highest evidence: Growth DCF (80).

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Quality Score breakdown

Overall quality 62/100

Of which business quality 58 · Market factors (momentum, volatility) 25

Profitability 47
Margins and returns on capital today
Quality Growth 58
Are margins and returns improving?
Cashflow 62
Earnings quality: real cash, not paper profit
Fin. Strength 36
Balance sheet, leverage, solvency risk
Investment 83
Disciplined investing over empire-building
Low Volatility 53
Calm price path (market factor)
Momentum 15
Price trend over the last 3–12 months (market factor)
52W Momentum 11
Distance to the 52-week high (market factor)
Net Issuance 81
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.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

JFC reported revenue of 305B PHP in FY2025 versus 154B PHP in FY2021, a compound +18.7%/yr. Reported net income was 10.9B PHP in FY2025, compounding +16.1%/yr from FY2021.

Growth Quality 85/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2025)
305B PHP
Latest YoY
+13.0%
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.
+12.9%
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.
+18.7%
Avg. growth/yr (11Y) 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.
+11.7%
Revenue +18.7%/yr
FY21 154B PHP
FY22 212B PHP
FY23 244B PHP
FY24 270B PHP
FY25 305B PHP
Net income +16.1%/yr
FY21 6.0B PHP
FY22 7.6B PHP
FY23 8.8B PHP
FY24 10.3B PHP
FY25 10.9B PHP

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

Peer Group

Consumer Discretionary · 3552 stocks

How this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Hotels & Entertainment Services” was too small, so the broader sector is used.)

Quality Score 62 · Top 25%
Fair Value upside +44% · Top 25%
Return on assets 0% · Below median
Net margin (TTM) 0% · Below median
Operating margin (TTM) 0% · Below median
Revenue growth 0% · Below median
Debt / equity 0.87× · Higher than 75% of peers

Valuation Multiples vs Consumer Discretionary median · lower = cheaper

P/E (TTM) 49.4× · Pricier than 75% of peers

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 92 · sector 22
FUTURE 0 · sector 14
PAST 0 · sector 21
HEALTH 57 · sector 96
DIVIDEND 0 · sector 41

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 Hotels & Entertainment Services stocks, each showing price versus our Fair Value estimate (as of Jul 10, 2026).

Stock Price Fair Value vs Fair Value
BLOOM BLOOM 1.90 PHP 1.70 PHP -11%
Ananti Inc 025980 3,600 KRW 3,166 KRW -12%
PIZZA PIZZA 6.00 PHP 12.05 PHP +101%
PT Hotel Mandarine Regency Tbk HOME 50.00 IDR 85.45 IDR +71%
Modetour Network Inc 080160 8,290 KRW 14,293 KRW +72%
MAXS MAXS 2.12 PHP 2.73 PHP +29%
PT Marga Abhinaya Abadi Tbk MABA 50.00 IDR 12.20 IDR -76%
HSIL HSIL ₹364.75 ₹212.72 -42%
WEB WEB 14.16 PHP 4.00 PHP -72%
Very Good Tour Co 094850 4,225 KRW 13,304 KRW +215%

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Frequently asked questions

Is JFC overvalued or undervalued?
As of Jul 10, 2026, our model estimates a fair value of 210.34 PHP versus a price of 145.80 PHP, about +44% (undervalued).
What is the fair value of JFC?
Our model-based fair value for JFC is 210.34 PHP (as of Jul 10, 2026), built from audited fundamentals. The current price is 145.80 PHP.
What is the quality score of JFC?
JFC has a Quality Score of 62/100. 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 net profit margin of JFC?
The net profit margin of JFC is about 0.0%, meaning it keeps roughly 0.0% 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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