EN DE

RAFFLES EDUCATION LIMITED (NR7) Fair Value & Analysis

Consumer Defensive · SG · Market cap 225M SGD

RE RAFFLES EDUCATION LIMITED NR7 · SG
Price0.1140 SGD
Fair Value0.0700 SGD
Upside-38.6%
Quality46/100
Watch RAFFLES EDUCATION LIMITED for free, get notified when fair value or trend changes. Watch for free
Expensive Growth
Thin margins · 2.9% net margin
Low debt · generates free cash flow
Trails peers (4/14)
Narrow moat 30/100
Evidence: Medium Range 0.0500 SGD – 0.0900 SGD Share as image

Fair value as of: Aug 13, 2026

From 17 valuation models · updated 4 days ago

Share price −13.0% over the past month.

Below-average quality, and screening another 39% overvalued on our models.

What matters now

  • The price sits above even our optimistic bull case (0.0900 SGD). The favourable scenario is already priced in.
  • Solid but not exceptional quality (46/100) and above fair value, neither a clear bargain nor a standout compounder.
Share this valuation: 𝕏 WhatsApp

Price vs Fair Value (5 years)

0.1768 SGD 0.0321 SGD Fair Value 0.0700 SGD May 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.

How to read this chart

60‑month range 0.0321 SGD – 0.1768 SGD · fair‑value band 0.0500 SGD – 0.0900 SGD · the 0.1140 SGD price screens above the 0.0700 SGD fair value. Dashed = 300-day average. As of Aug 13, 2026.

Full chart & analysis →

Which stocks are undervalued right now? Check free Discover now →

Analysis

RAFFLES EDUCATION LIMITED (NR7) currently trades at 0.1140 SGD, while our model-based Fair Value estimate is 0.0700 SGD, implying the stock looks roughly 38.6% overvalued today. The Quality Score stands at 46/100 (below-average quality), in the Consumer Defensive sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).

Over the trailing twelve months, RAFFLES EDUCATION LIMITED generated revenue of 114M SGD at a net margin of 2.9%. Revenue grew 0.1% year over year. Net debt stands at 192M SGD. Fundamentals as of Aug 13, 2026

Our scenario range runs from 0.0500 SGD (bear case) to 0.0900 SGD (bull case); at 0.1140 SGD, the current price sits above 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 37% below its 52-week high and 201% above its 52-week low, currently below its 200-day average. For context, the median of 10 Consumer Defensive peers we cover trades at 12% fair-value upside, at -39%, NR7 screens richer 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
Residual Income 0.1900 SGD 0.1800 SGD 0.1200 SGD 76
Gordon GGM 0.0400 SGD 0.0400 SGD 0.0500 SGD 70
Growth-Adj P/E 0.0500 SGD 0.0700 SGD 0.0900 SGD 68
All 17 models by family
DCF Models
Owner Earnings 0.0400 SGD 0.0700 SGD 0.1000 SGD 31
5Y Revenue Exit 0.0300 SGD 39
5Y EBITDA Exit 0.0200 SGD 0.0700 SGD 0.1300 SGD 41
5Y P/E Exit 0.0100 SGD 0.0400 SGD 38
10Y EBITDA Exit 0.0200 SGD 0.0500 SGD 37
Earnings-Based
Graham-Dodd 0.0300 SGD 0.0400 SGD 0.0500 SGD 54
Dividend Discount
Gordon GGM 0.0400 SGD 0.0400 SGD 0.0500 SGD 70
DDM Multi-Stage 0.0400 SGD 0.0400 SGD 0.0500 SGD 61
Multiples
P/E Multiple 0.0700 SGD 0.0900 SGD 0.1200 SGD 63
P/S Multiple 0.0500 SGD 0.0700 SGD 0.0900 SGD 58
P/B Multiple 0.0500 SGD 0.0700 SGD 0.0900 SGD 55
EV/EBIT 0.0300 SGD 0.0600 SGD 0.0800 SGD 53
EV/EBITDA 0.1000 SGD 0.1400 SGD 0.1900 SGD 54
EV/Revenue 0.0100 SGD 0.0300 SGD 0.0500 SGD 43
Asset-Based
NCAV (Graham) 0.1500 SGD 0.2000 SGD 0.3100 SGD 50
Economic Profit
Residual Income 0.1900 SGD 0.1800 SGD 0.1200 SGD 76
Growth Earnings
Growth-Adj P/E 0.0500 SGD 0.0700 SGD 0.0900 SGD 68

Widest divergence: Asset-Based (0.2000 SGD) versus DCF Models (0.0200 SGD). Highest evidence: Residual Income (76).

Notify me when NR7 reaches fair value

Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click.

Key figures & financial health

Revenue (TTM) 114M SGD
Revenue growth (YoY) +0.1%
Net margin 2.9%
Return on equity 0.0%
Free cash flow 145K SGD FY2025
Operating margin 15.5%
More key figures
EPS growth (YoY) -57.1%
Net debt 192M SGD FY2025

Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 46/100

Of which business quality 42 · Market factors (momentum, volatility) 54

Profitability 18
Margins and returns on capital today
Quality Growth 51
Are margins and returns improving?
Cashflow 12
Earnings quality: real cash, not paper profit
Fin. Strength 34
Balance sheet, leverage, solvency risk
Investment 97
Disciplined investing over empire-building
Low Volatility 41
Calm price path (market factor)
Momentum 50
Price trend over the last 3–12 months (market factor)
52W Momentum 77
Distance to the 52-week high (market factor)
Net Issuance 79
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

Raffles Education Limited, an investment holding company, provides education and related services in the regions of ASEAN, North Asia, South Asia, Australasia, Indonesia, and Europe. It operates through Education, Education Facilities Rental Service, and Real Estate Investment & Development segments.

Full company description

Raffles Education Limited, an investment holding company, provides education and related services in the regions of ASEAN, North Asia, South Asia, Australasia, Indonesia, and Europe. It operates through Education, Education Facilities Rental Service, and Real Estate Investment & Development segments. The company offers diploma, undergraduate, and postgraduate programs in design discipline which includes animation, digital media, fashion, graphic, interior, jewellery, product, video games, visual communication design, photography, and fashion marketing and management specializations; business discipline comprising accountancy, business administration, commerce, entrepreneurship and small business operation, marketing, supply chain and logistic operations, and tourism and hospitality management specializations; and technology discipline, such as applied electronics and instrumentation, computer science, electronics and communication, electrical engineering, cloud computing and IT security, and information technology specializations. It offers programs in applied psychology, foundation studies, and English language disciplines, as well as pre-tertiary education, American K12 curriculum, and programs within the Chinese national public school. In addition, the company engages in education facilities leasing and commercial leasing activities for supporting facilities, and real estate investment and development activities. Further, it offers education consulting and development; education supporting; business and management consultancy; and vocational and technical training services. The company was formerly known as Raffles Education Corporation Limited and changed its name to Raffles Education Limited in October 2022. The company was founded in 1990 and is based in Singapore.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

RAFFLES EDUCATION LIMITED reported revenue of 112M SGD in FY2025 versus 97.7M SGD in FY2021, a compound +3.4%/yr. Reported net income was 7.7M SGD in FY2025, compounding −17.2%/yr from FY2021.

Growth Quality 36/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Latest Revenue (FY 2025)
112M SGD
Latest YoY
−0.7%
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.
+2.0%
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.
+2.1%
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.
−1.4%
Revenue +3.4%/yr
FY21 97.7M SGD
FY22 105M SGD
FY23 111M SGD
FY24 112M SGD
FY25 112M SGD
Net income −17.2%/yr
FY21 16.4M SGD
FY22 9.6M SGD
FY23 −5.3M SGD
FY24 −19.3M SGD
FY25 7.7M SGD

NR7 screens 39% overvalued. Compare with New Oriental Education & Technology Group →

Share or link this analysis
For bloggers & editors: embed code + live data

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). "RAFFLES EDUCATION LIMITED Fair Value". https://www.fairvalue-calculator.com/stock/NR7

Peer Group

Education & Training Services · 149 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 46 · Below median
Fair Value upside −39% · Below median
Return on equity (TTM) 0% · Below median
Return on assets 1% · Below median
Net margin (TTM) 3% · Below median
Operating margin (TTM) 16% · Above median
Revenue growth 0% · Below median
Dividend yield (TTM) 4.3% · Above median
Debt / equity 0.17× · Higher than median

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

P/B 0.32× · Cheaper than 75% of peers
P/S (TTM) 1.54× · Pricier than median
P/FCF 1,216.5× · Pricier than 75% of peers
EV/EBITDA 10.9× · Pricier than median
PEG 0.59× · Cheaper 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 0 · sector 37
FUTURE 1 · sector 22
PAST 0 · sector 19
HEALTH 91 · sector 95
DIVIDEND 86 · sector 74

VALUE 0: the price sits above our fair-value range.

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 Aug 13, 2026).

Stock Price Fair Value vs Fair Value
New Oriental Education & Technology Group EDUN 966.48 MXN 875.84 MXN -9%
TAL Education Group TAL $11.87 $15.60 +31%
Laureate Education, Inc LAUR $36.99 $41.45 +12%
Physicswallah Limited PWL ₹123.90 ₹14.81 -88%
Grand Canyon Education, Inc LOPE $142.06 $152.01 +7%
Covista Inc CVSA $128.22 $135.45 +6%
Stride, Inc LRN $78.59 $139.45 +77%
Universal Technical Institute, Inc UTI $25.64 $20.98 -18%
Perdoceo Education Corporation PRDO $31.24 $40.65 +30%
Strategic Education, Inc STRA $79.98 $105.48 +32%

Compare RAFFLES EDUCATION LIMITED with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

Explore undervalued stocks

More undervalued Consumer Defensive stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend Stocks

Frequently asked questions

Is RAFFLES EDUCATION LIMITED (NR7) overvalued or undervalued?
As of Aug 13, 2026, our model estimates a fair value of 0.0700 SGD versus a price of 0.1140 SGD, about −39% (overvalued).
What is the fair value of NR7?
Our model-based fair value for RAFFLES EDUCATION LIMITED is 0.0700 SGD (as of Aug 13, 2026), built from audited fundamentals. The current price is 0.1140 SGD.
What is the quality score of NR7?
RAFFLES EDUCATION LIMITED has a Quality Score of 46/100. 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 RAFFLES EDUCATION LIMITED (NR7)?
RAFFLES EDUCATION LIMITED reported trailing-twelve-month revenue of about 114M SGD (latest available figure, as of Aug 13, 2026).
What is the net profit margin of NR7?
The net profit margin of RAFFLES EDUCATION LIMITED is about 2.9%, meaning it keeps roughly 2.9% 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.

14 days Pro free · no card

Track RAFFLES EDUCATION LIMITED and try Pro for 14 days

One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.

Zero risk: nothing is ever charged. After 14 days you decide whether to stay.