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QAF LIMITED (Q01) Fair Value & Analysis

Consumer Defensive · SG · Market cap 558M SGD

QL QAF LIMITED Q01 · SG
Price0.9700 SGD
Fair Value1.18 SGD
Upside+21.7%
Quality69/100
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Mixed Growth
Thin margins · 6.3% net margin
Low debt · generates free cash flow
5.10% dividend yield
Ranks above peers (10/15)
Narrow moat 40/100
Evidence: High Range 0.8800 SGD – 1.47 SGD Share as image

Fair value as of: Aug 13, 2026

From 22 valuation models · updated 4 days ago

Share price −1.5% over the past month.

A solid business, screening 22% undervalued on our models.

What matters now

  • Solid quality (69/100) at a price below fair value, the discount is the argument here, not the business quality.
  • Our model range runs from 0.8800 SGD (bear) to 1.47 SGD (bull), base 1.18 SGD. The closer the price sits to the lower half, the larger the margin of safety.
  • Quality 69/100 (solid quality) with high evidence: the data supports the verdict.
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Price vs Fair Value (5 years)

1.03 SGD 0.6289 SGD Fair Value 1.18 SGD Apr 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 0.6289 SGD – 1.03 SGD · fair‑value band 0.8800 SGD – 1.47 SGD · the 0.9700 SGD price screens below the 1.18 SGD fair value. Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

QAF LIMITED (Q01) currently trades at 0.9700 SGD, while our model-based Fair Value estimate is 1.18 SGD, implying the stock looks roughly 21.7% undervalued today. The Quality Score stands at 69/100 (solid quality), in the Consumer Defensive 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.

Over the trailing twelve months, QAF LIMITED generated revenue of 634M SGD at a net margin of 6.3%. Revenue grew 0.2% year over year. It earns a return on equity of 8.0%. Net debt stands at 49.6M SGD. Fundamentals as of Aug 13, 2026

Our scenario range runs from 0.8800 SGD (bear case) to 1.47 SGD (bull case); at 0.9700 SGD, the current price sits within 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 7% below its 52-week high and 19% above its 52-week low, currently above its 200-day average. For context, the median of 10 Consumer Defensive peers we cover trades at -14% fair-value upside, at 22%, Q01 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 0.8900 SGD 1.03 SGD 1.25 SGD 80
Residual Income 0.6900 SGD 0.7200 SGD 0.7500 SGD 76
Rev-Margin DCF 0.8700 SGD 1.09 SGD 1.37 SGD 74
All 22 models by family
DCF Models
FCF DCF 0.8700 SGD 1.02 SGD 1.28 SGD 38
Owner Earnings 1.07 SGD 1.29 SGD 1.64 SGD 31
5Y Revenue Exit 0.8700 SGD 1.08 SGD 1.39 SGD 39
5Y EBITDA Exit 1.09 SGD 1.47 SGD 1.97 SGD 41
5Y P/E Exit 1.12 SGD 1.51 SGD 1.99 SGD 38
10Y Revenue Exit 0.8500 SGD 1.00 SGD 1.16 SGD 36
10Y EBITDA Exit 0.9900 SGD 1.22 SGD 1.47 SGD 37
10Y P/E Exit 1.00 SGD 1.25 SGD 1.48 SGD 35
Earnings-Based
Graham-Dodd 0.4700 SGD 0.5800 SGD 0.6500 SGD 54
EPV 0.6900 SGD 0.7300 SGD 0.7600 SGD 59
Multiples
P/E Multiple 1.09 SGD 1.45 SGD 1.82 SGD 63
P/S Multiple 0.8800 SGD 1.18 SGD 1.47 SGD 58
P/B Multiple 0.8800 SGD 1.18 SGD 1.47 SGD 55
EV/EBIT 1.12 SGD 1.37 SGD 1.62 SGD 53
EV/EBITDA 1.41 SGD 1.76 SGD 2.10 SGD 54
EV/Revenue 0.9000 SGD 1.13 SGD 1.36 SGD 43
Asset-Based
NCAV (Graham) 0.4400 SGD 0.5900 SGD 0.8900 SGD 50
Growth DCF
Growth DCF 0.8900 SGD 1.03 SGD 1.25 SGD 80
Rev-Margin DCF 0.8700 SGD 1.09 SGD 1.37 SGD 74
Economic Profit
Residual Income 0.6900 SGD 0.7200 SGD 0.7500 SGD 76
ROIC Compounder 0.6900 SGD 0.7300 SGD 0.7600 SGD 72
Growth Earnings
Growth-Adj P/E 0.7700 SGD 1.10 SGD 1.43 SGD 68

Widest divergence: DCF Models (1.22 SGD) versus Earnings-Based (0.5800 SGD). Highest evidence: Growth DCF (80).

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Key figures & financial health

Revenue (TTM) 634M SGD
Revenue growth (YoY) +0.2%
Net margin 6.3%
Return on equity 8.0%
Free cash flow 35.4M SGD FY2025
P/E ratio 13.9
More key figures
Operating margin 6.7%
EPS (TTM) 0.0700 SGD
Dividend yield 5.1%
EPS growth (YoY) +61.6%
Net debt 49.6M SGD FY2019

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

Quality Score breakdown

Overall quality 69/100

Of which business quality 69 · Market factors (momentum, volatility) 66

Profitability 54
Margins and returns on capital today
Quality Growth 44
Are margins and returns improving?
Cashflow 46
Earnings quality: real cash, not paper profit
Fin. Strength 100
Balance sheet, leverage, solvency risk
Investment 97
Disciplined investing over empire-building
Low Volatility 100
Calm price path (market factor)
Momentum 46
Price trend over the last 3–12 months (market factor)
52W Momentum 61
Distance to the 52-week high (market factor)
Net Issuance 82
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

QAF Limited, an investment holding company, engages in the manufacture and distribution of bread, bakery, and confectionery products in Singapore, Australia, the Philippines, Malaysia, and internationally. It operates through Bakery, Distribution and Warehousing, Investments and Others segments.

Full company description

QAF Limited, an investment holding company, engages in the manufacture and distribution of bread, bakery, and confectionery products in Singapore, Australia, the Philippines, Malaysia, and internationally. It operates through Bakery, Distribution and Warehousing, Investments and Others segments. The company is involved in trading, agency, and distribution of food and beverage products; and provision for warehousing logistics services of food items. It also provides various frozen and par-baked breads and pastries; and a range of bread and kaya spreads under the Delicia and Cowhead brand names, as well as operates cold storage warehouse. The company was formerly known as Ben and Company Limited and changed its name to QAF Limited in 1984. QAF Limited was founded in 1950 and is based in Singapore.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

QAF LIMITED reported revenue of 634M SGD in FY2025 versus 558M SGD in FY2021, a compound +3.2%/yr. Reported net income was 39.8M SGD in FY2025, compounding −6.5%/yr from FY2021.

Growth Quality 52/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
634M SGD
Latest YoY
−0.4%
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.
+3.1%
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.
+2.4%
Avg. growth/yr (12Y) 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.
−3.9%
Revenue +3.2%/yr
FY21 558M SGD
FY22 578M SGD
FY23 629M SGD
FY24 636M SGD
FY25 634M SGD
Net income −6.5%/yr
FY21 52.1M SGD
FY22 19.4M SGD
FY23 27.5M SGD
FY24 34.7M SGD
FY25 39.8M SGD

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Cite: Fair Value Calculator (2026). "QAF LIMITED Fair Value". https://www.fairvalue-calculator.com/stock/Q01

Peer Group

Packaged Foods · 651 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 69 · Top 25%
Fair Value upside +22% · Above median
Return on equity (TTM) 8% · Above median
Return on assets 3% · Below median
Net margin (TTM) 6% · Above median
Operating margin (TTM) 7% · Above median
Revenue growth 0% · Below median
Dividend yield (TTM) 5.1% · Top 25%

Valuation Multiples vs Packaged Foods median · lower = cheaper

P/E (TTM) 13.9× · Cheaper than median
P/B 0.86× · Cheaper than median
P/S (TTM) 0.69× · Pricier than median
P/FCF 12.3× · Pricier than 75% of peers
EV/EBITDA 3.9× · Cheaper than 75% of peers
PEG 2.97× · 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 62 · sector 25
FUTURE 1 · sector 20
PAST 32 · sector 28
HEALTH 100 · sector 96
DIVIDEND 100 · sector 55

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 Packaged Foods stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).

Stock Price Fair Value vs Fair Value
Nestlé India Limited NESTLEIND ₹1,507 ₹362.37 -76%
Britannia Industries Limited BRITANNIA ₹5,646 ₹1,870 -67%
Tata Consumer Products Limited TATACONSUM ₹1,062 ₹327.27 -69%
PT Indofood CBP Sukses Makmur Tbk ICBP 7,550 IDR 12,864 IDR +70%
Samyang Foods Co 003230 1,219,000 KRW 1,010,543 KRW -17%
Patanjali Foods Limited PATANJALI ₹352.60 ₹144.77 -59%
Vietnam Dairy Products Joint Stock Company VNM 61,600 VND 52,858 VND -14%
PT Mayora Indah Tbk, MYOR 1,665 IDR 2,699 IDR +62%
PT Cisarua Mountain Dairy Tbk CMRY 4,630 IDR 4,350 IDR -6%
Nongshim Co 004370 389,500 KRW 530,619 KRW +36%

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Frequently asked questions

Is QAF LIMITED (Q01) overvalued or undervalued?
As of Aug 13, 2026, our model estimates a fair value of 1.18 SGD versus a price of 0.9700 SGD, about +22% (undervalued).
What is the fair value of Q01?
Our model-based fair value for QAF LIMITED is 1.18 SGD (as of Aug 13, 2026), built from audited fundamentals. The current price is 0.9700 SGD.
What is the quality score of Q01?
QAF LIMITED has a Quality Score of 69/100. 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 QAF LIMITED (Q01)?
QAF LIMITED reported trailing-twelve-month revenue of about 634M SGD (latest available figure, as of Aug 13, 2026).
What is the net profit margin of Q01?
The net profit margin of QAF LIMITED is about 6.3%, meaning it keeps roughly 6.3% of revenue as net income. Based on the latest reported figures.
Does QAF LIMITED pay a dividend?
QAF LIMITED currently shows a dividend yield of about 5.10% relative to its recent price (as of Aug 13, 2026).

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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