VALUEMAX GROUP LIMITED (T6I) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of VALUEMAX GROUP LIMITED S$1.45, price S$0.94, upside +54.3%, quality 34 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 1, 2026.
How to read this chart
60‑month range 0.2357 SGD – 1.31 SGD · fair‑value band 0.7600 SGD – 2.01 SGD · the 0.9400 SGD price screens below the 1.45 SGD fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 1, 2026.
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ValueMax Group Limited, an investment holding company, engages in the pawnbroking, moneylending, jewelry and watches retailing, and gold trading businesses primarily in Singapore. It operates through four segments: Pawnbroking, Retail and Trading of Jewelry and Gold, Moneylending, and Other Operations.
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ValueMax Group Limited, an investment holding company, engages in the pawnbroking, moneylending, jewelry and watches retailing, and gold trading businesses primarily in Singapore. It operates through four segments: Pawnbroking, Retail and Trading of Jewelry and Gold, Moneylending, and Other Operations. It offers pawn broking services through pledging jewelry in yellow or white gold, diamond jewelry, and branded timepieces, as well as gold, platinum, or silver bars and coins. The company also provides secured and unsecured term loans for businessmen and corporates; and hire purchase and floor stock financing services for automotive industry. In addition, it sells new and pre-owned jewelry, such as gold and diamond jewelry, gold bars and coins, branded watches, and Hermès bags through its outlets; purchases scrap gold from other pawnbrokers and jewelry traders; and sells fine gold bars to jewelry factories, wholesalers, and retailers. The company operates pawn and retail outlets in Singapore and Malaysia. Further, it is involved in the provision of management services. The company was founded in 1988 and is based in Singapore. ValueMax Group Limited is a subsidiary of Yeah Holdings Pte. Ltd.
Stock analysis
VALUEMAX GROUP LIMITED (T6I) currently trades at 0.9400 SGD, while our model-based Fair Value estimate is 1.45 SGD, implying the stock looks roughly 35.2% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 2.35 SGD per share, and 11 of the 15 models we run sit above the 0.9400 SGD price.
Bear case: the Asset-Based group reads lowest at 0.4300 SGD, and 4 of the 15 models stay below the price. Evidence for this calculation is low.
Scenario range: 0.7600 SGD (bear) to 2.01 SGD (bull), the price of 0.9400 SGD sits inside 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 34/100 (below-average quality), in the Consumer Cyclical sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
VALUEMAX GROUP LIMITED reported revenue of 553M SGD in FY2025 versus 276M SGD in FY2021, a compound +19.0%/yr. Reported net income was 102M SGD in FY2025, compounding +25.2%/yr from FY2021.
Key figures
Market cap 884M SGD (≈ $691M) · P/E ratio 7.8 · P/S ratio 1.45 · EPS (TTM) 0.1200 SGD · Dividend yield 4.4% · Net margin 18.5% · Return on equity 19.5% · Return on assets (EBIT) 6.3%.
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 28% below its 52-week high and 9% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at 9% fair-value upside, at 54%, T6I screens cheaper than that median.
Fair Value models
Bear 0.7600 SGDFair Value 1.45 SGDBull 2.01 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. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (0.0595 SGD 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. 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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+21.3%
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.
+24.4%
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.
+14.9%
Start year 2020 (pandemic). Over 10 years: +7.4% 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.
+7.4%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+17.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+13.5%
Dividend (yield on the price)4.4%
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.15% → 21%
2025 sits 65% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
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.Luxury Goods · 121 stocks
Beats the industry median on 10/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score34 · Bottom 25%
Fair Value upside+54.3% · Top 25%
Profitability
Return on equity (TTM)19.5% · Above median
Return on assets5.3% · Above median
Net margin (TTM)17.8% · Top 25%
Operating margin (TTM)19.6% · Top 25%
Growth and dividend
Revenue growth38.2% · Top 25%
Dividend yield (TTM)4.4% · Above median
Balance sheet
Debt / equity0.11× · Above median
Valuation Multiplesvs Luxury Goods median · lower = cheaper
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Cite: Fair Value Calculator (2026). "VALUEMAX GROUP LIMITED Fair Value". https://www.fairvalue-calculator.com/stock/T6I
Frequently asked questions
Is VALUEMAX GROUP LIMITED (T6I) overvalued or undervalued?
As of Oct 1, 2026, our model estimates a fair value of 1.45 SGD versus a price of 0.9400 SGD, about +54% upside (undervalued).
What is the fair value of T6I?
Our model-based fair value for VALUEMAX GROUP LIMITED is 1.45 SGD (as of Oct 1, 2026), built from audited fundamentals. The current price: 0.9400 SGD.
What is the quality score of T6I?
VALUEMAX GROUP LIMITED has a Quality Score of 34/100. 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 VALUEMAX GROUP LIMITED (T6I)?
Our model-based price target is the fair value of 1.45 SGD (as of Oct 1, 2026) from 15 valuation models. Cautious scenario 0.7600 SGD, optimistic scenario 2.01 SGD. It is a calculation from audited fundamentals, not an analyst target.
What is the VALUEMAX GROUP LIMITED stock forecast for 2026?
Our models put fair value at 1.45 SGD, about +54% upside versus a price of 0.9400 SGD (undervalued). Cautious scenario 0.7600 SGD, optimistic scenario 2.01 SGD. The calculation is refreshed regularly with new filings.
What is the revenue of VALUEMAX GROUP LIMITED (T6I)?
VALUEMAX GROUP LIMITED reported trailing-twelve-month revenue of about 656M SGD (latest available figure, as of Oct 1, 2026).
Does VALUEMAX GROUP LIMITED pay a dividend?
VALUEMAX GROUP LIMITED currently shows a dividend yield of about 4.36% relative to its recent price (as of Oct 1, 2026).
What is the intrinsic value of VALUEMAX GROUP LIMITED (T6I)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For VALUEMAX GROUP LIMITED it is 1.45 SGD per share (as of Oct 1, 2026), against a price of 0.9400 SGD. It is the blended result of 15 valuation models (cash flow, earnings, asset, dividend).
Is VALUEMAX GROUP LIMITED stock overvalued or undervalued in 2026?
As of Oct 1, 2026, T6I trades below its calculated fair value: price 0.9400 SGD, fair value 1.45 SGD, a gap of about +54% (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 T6I?
No. The price is what the market pays today (0.9400 SGD); the fair value is what the company's own numbers justify (1.45 SGD). For VALUEMAX GROUP LIMITED the two are 0.5100 SGD per share apart. That gap is exactly why we show both numbers side by side.
How much is VALUEMAX GROUP LIMITED worth?
The market values VALUEMAX GROUP LIMITED at about 884M SGD (market capitalisation, as of Oct 1, 2026). Per share that is 0.9400 SGD; our models calculate a fair value of 1.45 SGD per share.
What do the bullish and bearish scenarios say about T6I?
Our models span a range for VALUEMAX GROUP LIMITED: cautious scenario 0.7600 SGD, base 1.45 SGD, optimistic 2.01 SGD per share (as of Oct 1, 2026, price 0.9400 SGD). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of T6I?
VALUEMAX GROUP LIMITED trades at a price-to-earnings ratio of 7.8 (as of Oct 1, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 1.45 SGD is built from several models across several years. Other multiples: P/B 1.5, P/S 1.3, EV/EBITDA 6.8.
How solid is the balance sheet of VALUEMAX GROUP LIMITED (T6I)?
Balance-sheet figures for VALUEMAX GROUP LIMITED (as of Oct 1, 2026): return on equity 19.5%, debt of 0.11 per unit of equity. They feed the Quality Score of 34/100, which measures business quality independently of the share price.
How far is T6I from its 52-week high?
VALUEMAX GROUP LIMITED trades at 0.9400 SGD, about 28% below its 52-week high of 1.31 SGD and 9% above the low of 0.8600 SGD (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of 1.45 SGD is for.
Which stocks are comparable to VALUEMAX GROUP LIMITED?
From the same area (Consumer Cyclical) we also value Compagnie Financière Richemont SA, Christian Dior SE, Titan Company, Tapestry, 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 VALUEMAX GROUP LIMITED stock attractive at the current price?
The data as of Oct 1, 2026: price 0.9400 SGD, calculated fair value 1.45 SGD (+54%), Quality Score 34/100, from 15 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 T6I calculated?
We run VALUEMAX GROUP LIMITED through 15 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 1.45 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. VALUEMAX GROUP LIMITED currently trades 35 % 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 VALUEMAX GROUP LIMITED (T6I)?
The closing price on Oct 2, 2026 was 0.9400 SGD. Our model-based fair value is 1.45 SGD, about +54% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with VALUEMAX GROUP LIMITED right now?
The large discount to fair value meets weak quality (34/100). That raises the risk this is a value trap rather than a bargain. The model range is unusually wide (0.7600 SGD to 2.01 SGD). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
Key figures of VALUEMAX GROUP LIMITED
How large is the market capitalisation of VALUEMAX GROUP LIMITED (T6I)?
The market capitalisation of VALUEMAX GROUP LIMITED is 884M SGD (≈ $691M). 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 VALUEMAX GROUP LIMITED (T6I)?
The price-to-sales ratio of VALUEMAX GROUP LIMITED is 1.45 (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 VALUEMAX GROUP LIMITED (T6I)?
Earnings per share at VALUEMAX GROUP LIMITED are 0.1200 SGD (price ÷ EPS = P/E 7.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of VALUEMAX GROUP LIMITED (T6I)?
The dividend yield of VALUEMAX GROUP LIMITED is 4.4% (payout 34.2%). 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 VALUEMAX GROUP LIMITED (T6I)?
The net margin of VALUEMAX GROUP LIMITED is 18.5% (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 VALUEMAX GROUP LIMITED (T6I)?
The return on equity (ROE) of VALUEMAX GROUP LIMITED is 19.5% (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 VALUEMAX GROUP LIMITED (T6I)?
On an EBIT basis the return on assets of VALUEMAX GROUP LIMITED is 6.3% (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 VALUEMAX GROUP LIMITED (T6I)?
The operating margin of VALUEMAX GROUP LIMITED is 19.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at VALUEMAX GROUP LIMITED (T6I)?
Revenue at VALUEMAX GROUP LIMITED is growing +38.2% versus a year earlier (3y avg +24.4%). 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 VALUEMAX GROUP LIMITED (T6I)?
Earnings per share at VALUEMAX GROUP LIMITED are growing +30.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does VALUEMAX GROUP LIMITED (T6I) generate?
The free cash flow of VALUEMAX GROUP LIMITED is −171M SGD (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does VALUEMAX GROUP LIMITED (T6I) carry?
The net debt of VALUEMAX GROUP LIMITED is 867M SGD (fiscal year 2025). 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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