Pacificonline Systems Inc (LOTO) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Pacificonline Systems Inc PHP 1.15, price PHP 1.55, upside -25.8%, quality 74 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
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
60‑month range 1.20 PHP – 5.24 PHP · fair‑value band 0.8600 PHP – 1.43 PHP · the 1.55 PHP price screens above the 1.15 PHP fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 2 fiscal years are left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 24, 2026.
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Pacificonline Systems Inc (LOTO) currently trades at 1.55 PHP, while our model-based Fair Value estimate is 1.15 PHP, implying the stock looks roughly 34.8% overvalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of 4.23 PHP per share, and 10 of the 23 models we run sit above the 1.55 PHP price.
Bear case: the Earnings-Based group reads lowest at 0.2500 PHP, and 13 of the 23 models stay below the price. Evidence for this calculation is low.
Scenario range: 0.8600 PHP (bear) to 1.43 PHP (bull), the price of 1.55 PHP sits above 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 74/100 (solid quality), in the Consumer Cyclical sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Pacificonline Systems Inc reported revenue of 524M PHP in FY2025 versus 426M PHP in FY2021, a compound +5.3%/yr. Reported net income was 57.6M PHP in FY2025.
Key figures
Market cap 1.7B PHP (≈ $27.3M) · P/E ratio 244.1 · P/S ratio 26.8 · EPS (TTM) −0.4819 PHP · Dividend yield 4.9% · Net margin 11.0% · Return on assets (EBIT) 1.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 51 out of 100 (low confidence).
What moves the price
The share trades about 35% below its 52-week high and 6% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at −5% fair-value upside, at −26%, LOTO screens richer than that median.
Fair Value models
Bear 0.8600 PHPFair Value 1.15 PHPBull 1.43 PHP
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.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.
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.79/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−0.6%
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.
+0.3%
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.
+11.9%
Start year 2020 (pandemic). Over 10 years: −11.2% a year
Revenue growth 10 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.
−11.2%
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What shareholders gained per year (last 5 years), in PHP ⓘ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. Measured in PHP: 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.
−7.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−12.8%
Dividend (yield on the price)4.9%
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.−166% → 6%
Compare Pacificonline Systems Inc with another stock
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.)Consumer Discretionary · 3913 stocks
Beats the sector median on 3/8 measures
Overall it trails its sector peers.
Valuation
Quality Score74 · Top 25%
Fair Value upside−28% · Below median
Profitability
Return on assets0% · Below median
Net margin (TTM)11% · Top 25%
Operating margin (TTM)0% · Below median
Growth and dividend
Revenue growth0% · Below median
Dividend yield (TTM)4.9% · Top 25%
Valuation Multiplesvs Consumer Discretionary median · lower = cheaper
P/E (TTM)244.1× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 36
FUTURE (revenue growth)0· sector 13
PAST (return on equity)0· sector 22
HEALTH (low debt)100· sector 95
DIVIDEND (yield)98· sector 48
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Pacificonline Systems Inc Fair Value". https://www.fairvalue-calculator.com/stock/LOTO
Frequently asked questions
Is Pacificonline Systems Inc (LOTO) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 1.15 PHP versus a price of 1.55 PHP, about −26% upside (overvalued).
What is the fair value of LOTO?
Our model-based fair value for Pacificonline Systems Inc is 1.15 PHP (as of Sep 24, 2026), built from audited fundamentals. The current price: 1.55 PHP.
What is the quality score of LOTO?
Pacificonline Systems Inc has a Quality Score of 74/100. 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 Pacificonline Systems Inc (LOTO)?
Our model-based price target is the fair value of 1.15 PHP (as of Sep 24, 2026) from 23 valuation models. Cautious scenario 0.8600 PHP, optimistic scenario 1.43 PHP. It is a calculation from audited fundamentals, not an analyst target.
What is the Pacificonline Systems Inc stock forecast for 2026?
Our models put fair value at 1.15 PHP, about −26% upside versus a price of 1.55 PHP (overvalued). Cautious scenario 0.8600 PHP, optimistic scenario 1.43 PHP. The calculation is refreshed regularly with new filings.
Does Pacificonline Systems Inc pay a dividend?
Pacificonline Systems Inc currently shows a dividend yield of about 4.89% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Pacificonline Systems Inc (LOTO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Pacificonline Systems Inc it is 1.15 PHP per share (as of Sep 24, 2026), against a price of 1.55 PHP. It is the blended result of 23 valuation models (cash flow, earnings, asset, dividend).
Is Pacificonline Systems Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, LOTO trades above its calculated fair value: price 1.55 PHP, fair value 1.15 PHP, a gap of about −26% (overvalued). 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 LOTO?
No. The price is what the market pays today (1.55 PHP); the fair value is what the company's own numbers justify (1.15 PHP). For Pacificonline Systems Inc the two are 0.4000 PHP per share apart. That gap is exactly why we show both numbers side by side.
How much is Pacificonline Systems Inc worth?
The market values Pacificonline Systems Inc at about 1.7B PHP (market capitalisation, as of Sep 24, 2026). Per share that is 1.55 PHP; our models calculate a fair value of 1.15 PHP per share.
What do the bullish and bearish scenarios say about LOTO?
Our models span a range for Pacificonline Systems Inc: cautious scenario 0.8600 PHP, base 1.15 PHP, optimistic 1.43 PHP per share (as of Sep 24, 2026, price 1.55 PHP). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LOTO?
Pacificonline Systems Inc trades at a price-to-earnings ratio of 244.1 (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 1.15 PHP is built from several models across several years.
How far is LOTO from its 52-week high?
Pacificonline Systems Inc trades at 1.55 PHP, about 35% below its 52-week high of 2.40 PHP and 6% above the low of 1.46 PHP (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 1.15 PHP is for.
Which stocks are comparable to Pacificonline Systems Inc?
From the same area (Consumer Cyclical) we also value JFC, BLOOM, Ananti Inc, PIZZA, 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 Pacificonline Systems Inc stock attractive at the current price?
The data as of Sep 24, 2026: price 1.55 PHP, calculated fair value 1.15 PHP (−26%), Quality Score 74/100, from 23 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 LOTO calculated?
We run Pacificonline Systems Inc through 23 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 1.15 PHP, 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. Pacificonline Systems Inc itself currently trades above fair value. 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 Pacificonline Systems Inc (LOTO)?
The closing price on Sep 24, 2026 was 1.55 PHP. Our model-based fair value is 1.15 PHP, about −26% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Pacificonline Systems Inc right now?
A high-quality business (quality 74/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety. The price sits above even our optimistic bull case (1.43 PHP). The favourable scenario is already priced in. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
Key figures of Pacificonline Systems Inc
How large is the market capitalisation of Pacificonline Systems Inc (LOTO)?
The market capitalisation of Pacificonline Systems Inc is 1.7B PHP (≈ $27.3M). 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 Pacificonline Systems Inc (LOTO)?
The price-to-sales ratio of Pacificonline Systems Inc is 26.8 (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 Pacificonline Systems Inc (LOTO)?
Earnings per share at Pacificonline Systems Inc are −0.4819 PHP (price ÷ EPS = P/E 244.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Pacificonline Systems Inc (LOTO)?
The dividend yield of Pacificonline Systems Inc is 4.9%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Pacificonline Systems Inc (LOTO)?
The net margin of Pacificonline Systems Inc is 11.0% (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 EBIT return on assets of Pacificonline Systems Inc (LOTO)?
On an EBIT basis the return on assets of Pacificonline Systems Inc is 1.0% (avg 2y). 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.
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