OVERSEAS EDUCATION LIMITED (RQ1) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of OVERSEAS EDUCATION LIMITED S$0.20, price S$0.14, upside +38.9%, quality 53 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 Oct 2, 2026.
How to read this chart
60‑month range 0.1390 SGD – 0.2144 SGD · the 0.1440 SGD price screens below the 0.2000 SGD fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 2, 2026.
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Overseas Education Limited, an investment holding company, operates a foreign system school in Singapore. The company provides International Early Years curriculum; International Primary curriculum; International Baccalaureate Middle Years program and Diploma program; and the International General Certificate of Secondary Education.
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Overseas Education Limited, an investment holding company, operates a foreign system school in Singapore. The company provides International Early Years curriculum; International Primary curriculum; International Baccalaureate Middle Years program and Diploma program; and the International General Certificate of Secondary Education. It also offers other programs, including intellectual development programs, which include chess and math coding; mother tongue and study preparation program; sports and enrichment program; and camp quest. In addition, the company provides educational intervention services. Overseas Education Limited was founded in 1991 and is based in Singapore.
Stock analysis
OVERSEAS EDUCATION LIMITED (RQ1) currently trades at 0.1440 SGD, while our model-based Fair Value estimate is 0.2000 SGD, implying the stock looks roughly 28.0% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 0.2800 SGD per share, and 13 of the 21 models we run sit above the 0.1440 SGD price.
Bear case: the Earnings-Based group reads lowest at 0.0600 SGD, and 8 of the 21 models stay below the price. Evidence for this calculation is low.
Quality & growth
The Quality Score stands at 53/100 (solid quality), in the Consumer Defensive sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
OVERSEAS EDUCATION LIMITED reported revenue of 83.4M SGD in FY2025 versus 74.6M SGD in FY2021, a compound +2.8%/yr. Reported net income was 206K SGD in FY2025, compounding −57.5%/yr from FY2021.
Key figures
Market cap 59.8M SGD (≈ $46.8M) · P/S ratio 0.73 · Dividend yield 4.9% · Net margin 0.2% · Return on equity −0.4% · Return on assets (EBIT) 3.8% · Operating margin 5.4% · Revenue (TTM) 82.0M SGD.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 23% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Defensive peers we cover trades at 26% fair-value upside, at 39%, RQ1 screens cheaper than that median.
Fair Value models
Bear 0.2000 SGDFair Value 0.2000 SGDBull 0.2000 SGD
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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.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.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−5.0%
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.
+3.1%
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.
+1.1%
Start year 2020 (pandemic). Over 10 years: −1.5% a year
Revenue growth 12 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.
−1.7%
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What shareholders gained per year (last 5 years) ⓘ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.
−47.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year−51.9%
Dividend (yield on the price)4.9%
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.−51.9% vs −27.6%, 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.20% → 7%
Start year 2020 (pandemic)
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−12.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Singapore: IMF forecast 2.0% a year to 2030, 1.7% from 2016 to 2025) that is about −13.8% a year for the price.
Compare OVERSEAS EDUCATION LIMITED with another stock
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Education & Training Services · 119 stocks
Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score53 · Below median
Fair Value upside+38.9% · Above median
Profitability
Return on assets0.8% · Below median
Net margin (TTM)−0.7% · Below median
Operating margin (TTM)5.4% · Below median
Growth and dividend
Revenue growth−3.3% · Below median
Dividend yield (TTM)4.9% · Top 25%
Balance sheet
Debt / equity0.53× · Highest 25%
Valuation Multiplesvs Education & Training Services median · lower = cheaper
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Is OVERSEAS EDUCATION LIMITED (RQ1) overvalued or undervalued?
As of Oct 2, 2026, our model estimates a fair value of 0.2000 SGD versus a price of 0.1440 SGD, about +39% upside (undervalued).
What is the fair value of RQ1?
Our model-based fair value for OVERSEAS EDUCATION LIMITED is 0.2000 SGD (as of Oct 2, 2026), built from audited fundamentals. The current price: 0.1440 SGD.
What is the quality score of RQ1?
OVERSEAS EDUCATION LIMITED has a Quality Score of 53/100. 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 OVERSEAS EDUCATION LIMITED (RQ1)?
Our model-based price target is the fair value of 0.2000 SGD (as of Oct 2, 2026) from 21 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the OVERSEAS EDUCATION LIMITED stock forecast for 2026?
Our models put fair value at 0.2000 SGD, about +39% upside versus a price of 0.1440 SGD (undervalued). The calculation is refreshed regularly with new filings.
What is the revenue of OVERSEAS EDUCATION LIMITED (RQ1)?
OVERSEAS EDUCATION LIMITED reported trailing-twelve-month revenue of about 82.0M SGD (latest available figure, as of Oct 2, 2026).
Does OVERSEAS EDUCATION LIMITED pay a dividend?
OVERSEAS EDUCATION LIMITED currently shows a dividend yield of about 4.86% relative to its recent price (as of Oct 2, 2026).
What growth is priced into OVERSEAS EDUCATION LIMITED (RQ1)?
For today's price to be fair in a discounted-cash-flow model, OVERSEAS EDUCATION LIMITED would have to grow free cash flow by -12.0 % per year for five years (discount rate 9.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +1.1 % per year. As of Oct 2, 2026.
What discount rate (WACC) does the fair value of RQ1 use?
Our models discount OVERSEAS EDUCATION LIMITED at 9.5 %: a base by market capitalisation (nano), country premium for Singapore. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For OVERSEAS EDUCATION LIMITED that is -12.0 % per year a year over ten years, using the same discount rate (9.5 %) and the same formula as our fair value.
How much growth has OVERSEAS EDUCATION LIMITED (RQ1) delivered so far?
Over the past 5 years revenue at OVERSEAS EDUCATION LIMITED grew +1.1 % a year. The price currently implies -12.0 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of OVERSEAS EDUCATION LIMITED (RQ1) growing?
The median revenue growth in the sector is +3.9 % a year. That is the yardstick for the growth priced into OVERSEAS EDUCATION LIMITED (-12.0 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of OVERSEAS EDUCATION LIMITED (RQ1)?
The free-cash-flow yield on the price is 24.10 %: that much free cash flow OVERSEAS EDUCATION LIMITED produces per unit of market value. When it exceeds the discount rate of our models (9.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of OVERSEAS EDUCATION LIMITED (RQ1)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For OVERSEAS EDUCATION LIMITED it is 0.2000 SGD per share (as of Oct 2, 2026), against a price of 0.1440 SGD. It is the blended result of 21 valuation models (cash flow, earnings, asset, dividend).
Is OVERSEAS EDUCATION LIMITED stock overvalued or undervalued in 2026?
As of Oct 2, 2026, RQ1 trades below its calculated fair value: price 0.1440 SGD, fair value 0.2000 SGD, a gap of about +39% (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 RQ1?
No. The price is what the market pays today (0.1440 SGD); the fair value is what the company's own numbers justify (0.2000 SGD). For OVERSEAS EDUCATION LIMITED the two are 0.0560 SGD per share apart. That gap is exactly why we show both numbers side by side.
How much is OVERSEAS EDUCATION LIMITED worth?
The market values OVERSEAS EDUCATION LIMITED at about 59.8M SGD (market capitalisation, as of Oct 2, 2026). Per share that is 0.1440 SGD; our models calculate a fair value of 0.2000 SGD per share.
How solid is the balance sheet of OVERSEAS EDUCATION LIMITED (RQ1)?
Balance-sheet figures for OVERSEAS EDUCATION LIMITED (as of Oct 2, 2026): return on equity −0.4%, debt of 0.53 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is RQ1 from its 52-week high?
OVERSEAS EDUCATION LIMITED trades at 0.1440 SGD, about 23% below its 52-week high of 0.1859 SGD and 4% above the low of 0.1390 SGD (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of 0.2000 SGD is for.
Which stocks are comparable to OVERSEAS EDUCATION LIMITED?
From the same area (Consumer Defensive) we also value New Oriental Education & Technology Group, TAL Education Group, Laureate Education, Inc, Covista Inc, 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 OVERSEAS EDUCATION LIMITED stock attractive at the current price?
The data as of Oct 2, 2026: price 0.1440 SGD, calculated fair value 0.2000 SGD (+39%), Quality Score 53/100, from 21 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 RQ1 calculated?
We run OVERSEAS EDUCATION LIMITED through 21 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 0.2000 SGD, 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 14.5 % above its aggregate fair value. OVERSEAS EDUCATION LIMITED currently trades 28 % 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 OVERSEAS EDUCATION LIMITED (RQ1)?
The closing price on Oct 2, 2026 was 0.1440 SGD. Our model-based fair value is 0.2000 SGD, about +39% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with OVERSEAS EDUCATION LIMITED right now?
The price is below even our cautious bear case (0.2000 SGD). 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 (53/100) at a price below fair value, the discount is the argument here, not the business quality.
Key figures of OVERSEAS EDUCATION LIMITED
How large is the market capitalisation of OVERSEAS EDUCATION LIMITED (RQ1)?
The market capitalisation of OVERSEAS EDUCATION LIMITED is 59.8M SGD (≈ $46.8M). 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 OVERSEAS EDUCATION LIMITED (RQ1)?
The price-to-sales ratio of OVERSEAS EDUCATION LIMITED is 0.73 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the dividend yield of OVERSEAS EDUCATION LIMITED (RQ1)?
The dividend yield of OVERSEAS EDUCATION LIMITED 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 OVERSEAS EDUCATION LIMITED (RQ1)?
The net margin of OVERSEAS EDUCATION LIMITED is 0.2% (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 return on equity of OVERSEAS EDUCATION LIMITED (RQ1)?
The return on equity (ROE) of OVERSEAS EDUCATION LIMITED is −0.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of OVERSEAS EDUCATION LIMITED (RQ1)?
On an EBIT basis the return on assets of OVERSEAS EDUCATION LIMITED is 3.8% (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.
What is the operating margin of OVERSEAS EDUCATION LIMITED (RQ1)?
The operating margin of OVERSEAS EDUCATION LIMITED is 5.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at OVERSEAS EDUCATION LIMITED (RQ1)?
Revenue at OVERSEAS EDUCATION LIMITED is growing −3.3% versus a year earlier (3y avg +3.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at OVERSEAS EDUCATION LIMITED (RQ1)?
Earnings per share at OVERSEAS EDUCATION LIMITED are growing −67.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does OVERSEAS EDUCATION LIMITED (RQ1) carry?
The net debt of OVERSEAS EDUCATION LIMITED is 29.5M SGD (fiscal year 2025, ≈ 2.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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