LT Group Inc (LTG) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of LT Group Inc PHP 30.52, price PHP 15.26, upside +100.0%, quality 49 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 4.63 PHP – 15.48 PHP · fair‑value band 27.76 PHP – 37.49 PHP · the 15.26 PHP price screens below the 30.52 PHP 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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LT Group Inc (LTG) currently trades at 15.26 PHP, while our model-based Fair Value estimate is 30.52 PHP, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 56.97 PHP per share, and 6 of the 6 models we run sit above the 15.26 PHP price.
Bear case: the Asset-Based group reads lowest at 27.27 PHP, and 0 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: 27.76 PHP (bear) to 37.49 PHP (bull), the price of 15.26 PHP 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 49/100 (below-average quality), in the Financials sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
LT Group Inc reported revenue of 133B PHP in FY2025 versus 91.2B PHP in FY2021, a compound +9.9%/yr. Reported net income was 31.0B PHP in FY2025, compounding +11.2%/yr from FY2021.
Key figures
Market cap 165B PHP (≈ $2.6B) · P/E ratio 3.9 · P/S ratio 0.92 · EPS (TTM) 2.21 PHP · Dividend yield 14.4% · Net margin 23.3% · Return on assets (EBIT) 2.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 49 out of 100 (low confidence).
What moves the price
The share trades about 1% below its 52-week high and 16% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financials peers we cover trades at 81% fair-value upside, at 100%, LTG screens cheaper than that median.
Fair Value models
Bear 27.76 PHPFair Value 30.52 PHPBull 37.49 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. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (1.62 PHP 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.
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.42/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+3.0%
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.
+9.6%
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.
+7.1%
Start year 2020 (pandemic). Over 10 years: +9.9% 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.
+9.9%
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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.
+22.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+8.1%
Dividend (yield on the price)14.4%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.8% vs 13%, slowing
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.2% → 33%
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 “Banking Services” was too small, so the broader sector is used.)Financials · 3335 stocks
Beats the sector median on 5/9 measures
A mixed picture versus its sector peers.
Valuation
Quality Score49 · Below median
Fair Value upside+100% · Top 25%
Profitability
Return on assets0% · Bottom 25%
Net margin (TTM)23% · Above median
Operating margin (TTM)0% · Bottom 25%
Growth and dividend
Revenue growth0% · Below median
Dividend yield (TTM)14.4% · Top 25%
Balance sheet
Debt / equity0.15× · Below median
Valuation Multiplesvs Financials median · lower = cheaper
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). "LT Group Inc Fair Value". https://www.fairvalue-calculator.com/stock/LTG
Frequently asked questions
Is LT Group Inc (LTG) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 30.52 PHP versus a price of 15.26 PHP, about +100% upside (undervalued).
What is the fair value of LTG?
Our model-based fair value for LT Group Inc is 30.52 PHP (as of Sep 24, 2026), built from audited fundamentals. The current price: 15.26 PHP.
What is the quality score of LTG?
LT Group Inc has a Quality Score of 49/100. 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 LT Group Inc (LTG)?
Our model-based price target is the fair value of 30.52 PHP (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 27.76 PHP, optimistic scenario 37.49 PHP. It is a calculation from audited fundamentals, not an analyst target.
What is the LT Group Inc stock forecast for 2026?
Our models put fair value at 30.52 PHP, about +100% upside versus a price of 15.26 PHP (undervalued). Cautious scenario 27.76 PHP, optimistic scenario 37.49 PHP. The calculation is refreshed regularly with new filings.
Does LT Group Inc pay a dividend?
LT Group Inc currently shows a dividend yield of about 14.37% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of LT Group Inc (LTG)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For LT Group Inc it is 30.52 PHP per share (as of Sep 24, 2026), against a price of 15.26 PHP. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is LT Group Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, LTG trades below its calculated fair value: price 15.26 PHP, fair value 30.52 PHP, a gap of about +100% (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 LTG?
No. The price is what the market pays today (15.26 PHP); the fair value is what the company's own numbers justify (30.52 PHP). For LT Group Inc the two are 15.26 PHP per share apart. That gap is exactly why we show both numbers side by side.
How much is LT Group Inc worth?
The market values LT Group Inc at about 165B PHP (market capitalisation, as of Sep 24, 2026). Per share that is 15.26 PHP; our models calculate a fair value of 30.52 PHP per share.
What do the bullish and bearish scenarios say about LTG?
Our models span a range for LT Group Inc: cautious scenario 27.76 PHP, base 30.52 PHP, optimistic 37.49 PHP per share (as of Sep 24, 2026, price 15.26 PHP). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LTG?
LT Group Inc trades at a price-to-earnings ratio of 3.9 (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 30.52 PHP is built from several models across several years.
How solid is the balance sheet of LT Group Inc (LTG)?
Balance-sheet figures for LT Group Inc (as of Sep 24, 2026): debt of 0.15 per unit of equity. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is LTG from its 52-week high?
LT Group Inc trades at 15.26 PHP, about 1% below its 52-week high of 15.48 PHP and 16% above the low of 13.14 PHP (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 30.52 PHP is for.
Which stocks are comparable to LT Group Inc?
From the same area (Financials) we also value Federal Home Loan Mortgage Corporation, FDC, 535789, Han Kook Capital.Co., Ltd, 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 LT Group Inc stock attractive at the current price?
The data as of Sep 24, 2026: price 15.26 PHP, calculated fair value 30.52 PHP (+100%), Quality Score 49/100, from 6 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 LTG calculated?
We run LT Group Inc through 6 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 30.52 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 14.1 % above its aggregate fair value. LT Group Inc currently trades 100 % 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 LT Group Inc (LTG)?
The closing price on Sep 23, 2026 was 15.26 PHP. Our model-based fair value is 30.52 PHP, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with LT Group Inc right now?
The price is below even our cautious bear case (27.76 PHP). 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 (49/100) 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 LT Group Inc
How large is the market capitalisation of LT Group Inc (LTG)?
The market capitalisation of LT Group Inc is 165B PHP (≈ $2.6B). 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 LT Group Inc (LTG)?
The price-to-sales ratio of LT Group Inc is 0.92 (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 LT Group Inc (LTG)?
Earnings per share at LT Group Inc are 2.21 PHP (price ÷ EPS = P/E 3.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of LT Group Inc (LTG)?
The dividend yield of LT Group Inc is 14.4% (payout 99.2%). 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 LT Group Inc (LTG)?
The net margin of LT Group Inc is 23.3% (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 LT Group Inc (LTG)?
On an EBIT basis the return on assets of LT Group Inc is 2.1% (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.
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