Union Medical Healthcare Limited (UNHLF) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Union Medical Healthcare Limited $0.09, price $0.09, upside +1.1%, quality 55 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 $0.0599 – $1.17 · fair‑value band $0.0588 – $0.1369 · the $0.0860 price screens below the $0.0869 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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EC Healthcare provides medical and healthcare services in Hong Kong, Macau, Mainland China, and Taiwan. It operates through Medical; Aesthetic Medical and Beauty and Wellness; and Veterinary and Other segments.
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EC Healthcare provides medical and healthcare services in Hong Kong, Macau, Mainland China, and Taiwan. It operates through Medical; Aesthetic Medical and Beauty and Wellness; and Veterinary and Other segments. The company offers health checkups and screening, vaccinations, laboratory testing, imaging diagnostics, dental care, and pain management services; quasi-medical and chiropractic services; and aesthetic medical, beauty, haircare, and wellness services. It also provides general and family medicine, musculoskeletal health, eye care, fertility and women's health, men's and children's health, digestive health, chronic disease management, Chinese and sports medicine, corporate medicine and work rehabilitation, preventive screening, rehabilitation and homecare, heart and vascular health, oncology and cancer, and allergies and immunology services. In addition, the company operates veterinary hospitals and clinics that provide medical and surgical procedures, health checks, blood tests, 24-hour emergency and inpatient, computer scanning, endoscopy, and isolation wards, etc.; offers cosmetics; leases and distributes aesthetic devices; owns trademarks; and sells skincare, healthcare, and beauty products. Further, it engages in property investment; healthcare machine operation; beauty brand management and cosmetic business development; administrative, management, and marketing; electric vehicle charging infrastructure; scientific instruments; lifestyle enhancement; audio engineering and acoustic technology; intelligent transportation systems; multi-channel networking; biotechnology, life sciences, genomic data, and molecular diagnostics; and travel agency services. It offers its products and services under the PRODERMA LAB, Swissline, Suissebeaute, and re:HEALTH brands. The company was formerly known as Union Medical Healthcare Limited and changed its name to EC Healthcare in April 2021. EC Healthcare was founded in 2005 and is headquartered in Quarry Bay, Hong Kong.
Stock analysis
Union Medical Healthcare Limited (UNHLF) currently trades at $0.0860, while our model-based Fair Value estimate is $0.0869, so the stock looks roughly fairly valued today (gap 1.0%).
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Valuation
Bull case: the Growth DCF group reads highest at a median of $0.6400 per share, and 14 of the 14 models we run sit above the $0.0860 price.
Bear case: the Asset-Based group reads lowest at $0.1300, and 0 of the 14 models stay below the price. Evidence for this calculation is low.
Scenario range: $0.0588 (bear) to $0.1369 (bull), the price of $0.0860 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 55/100 (solid quality), in the Healthcare sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Union Medical Healthcare Limited reported revenue of HK$4.1B in FY2025 versus HK$2.1B in FY2021, a compound +18.8%/yr. Reported net income was −HK$167M in FY2025.
Key figures
Market cap $102M · P/S ratio 0.03 · EPS (TTM) $−0.0200 · Dividend yield 11.7% · Net margin −4.0% · Return on equity −6.2% · Return on assets (EBIT) 4.5% · Operating margin 2.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Healthcare peers we cover trades at 21% fair-value upside, at 1%, UNHLF screens richer than that median.
Fair Value models
Bear $0.0588Fair Value $0.0869Bull $0.1369
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.61/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−1.7%
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.
+12.3%
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.
+16.3%
Start year 2020 (pandemic). Over 10 years: +20.9% 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.
+27.0%
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Profit margin (trend) ⓘ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.
18.4% (2020) → 2.3% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
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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.Medical Care Facilities · 249 stocks
Beats the industry median on 7/11 measures
Overall it ranks above its industry peers.
Valuation
Quality Score55 · Above median
Fair Value upside+1.0% · Above median
Profitability
Return on assets−0.2% · Bottom 25%
Net margin (TTM)−4.8% · Bottom 25%
Operating margin (TTM)2.1% · Bottom 25%
Growth and dividend
Revenue growth−6.4% · Bottom 25%
Dividend yield (TTM)11.7% · Top 25%
Balance sheet
Debt / equity0.16× · Below median
Valuation Multiplesvs Medical Care Facilities 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). "Union Medical Healthcare Limited Fair Value". https://www.fairvalue-calculator.com/stock/UNHLF
Frequently asked questions
Is Union Medical Healthcare Limited (UNHLF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $0.0869 versus a price of $0.0860, about +1% upside (fairly valued).
What is the fair value of UNHLF?
Our model-based fair value for Union Medical Healthcare Limited is $0.0869 (as of Sep 24, 2026), built from audited fundamentals. The current price: $0.0860.
What is the quality score of UNHLF?
Union Medical Healthcare Limited has a Quality Score of 55/100. 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 Union Medical Healthcare Limited (UNHLF)?
Our model-based price target is the fair value of $0.0869 (as of Sep 24, 2026) from 14 valuation models. Cautious scenario $0.0588, optimistic scenario $0.1369. It is a calculation from audited fundamentals, not an analyst target.
What is the Union Medical Healthcare Limited stock forecast for 2026?
Our models put fair value at $0.0869, about +1% upside versus a price of $0.0860 (fairly valued). Cautious scenario $0.0588, optimistic scenario $0.1369. The calculation is refreshed regularly with new filings.
What is the revenue of Union Medical Healthcare Limited (UNHLF)?
Union Medical Healthcare Limited reported trailing-twelve-month revenue of about HK$4.0B (latest available figure, as of Sep 24, 2026).
Does Union Medical Healthcare Limited pay a dividend?
Union Medical Healthcare Limited currently shows a dividend yield of about 11.73% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Union Medical Healthcare Limited (UNHLF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Union Medical Healthcare Limited it is $0.0869 per share (as of Sep 24, 2026), against a price of $0.0860. It is the blended result of 14 valuation models (cash flow, earnings, asset, dividend).
Is Union Medical Healthcare Limited stock overvalued or undervalued in 2026?
As of Sep 24, 2026, UNHLF trades below its calculated fair value: price $0.0860, fair value $0.0869, a gap of about +1% (fairly valued). 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 UNHLF?
No. The price is what the market pays today ($0.0860); the fair value is what the company's own numbers justify ($0.0869). For Union Medical Healthcare Limited the two are $0.0009 per share apart. That gap is exactly why we show both numbers side by side.
How much is Union Medical Healthcare Limited worth?
The market values Union Medical Healthcare Limited at about $102M (market capitalisation, as of Sep 24, 2026). Per share that is $0.0860; our models calculate a fair value of $0.0869 per share.
What do the bullish and bearish scenarios say about UNHLF?
Our models span a range for Union Medical Healthcare Limited: cautious scenario $0.0588, base $0.0869, optimistic $0.1369 per share (as of Sep 24, 2026, price $0.0860). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Union Medical Healthcare Limited (UNHLF)?
Balance-sheet figures for Union Medical Healthcare Limited (as of Sep 24, 2026): return on equity −6.2%, debt of 0.16 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is UNHLF from its 52-week high?
Union Medical Healthcare Limited trades at $0.0860, at its 52-week high of $0.0860 and at the low of $0.0860 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0869 is for.
Which stocks are comparable to Union Medical Healthcare Limited?
From the same area (Healthcare) we also value HCA Healthcare, Inc, Fresenius SE, Dr. Sulaiman Al Habib Medical Services Group, Tenet Healthcare Corporation, 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 Union Medical Healthcare Limited stock attractive at the current price?
The data as of Sep 24, 2026: price $0.0860, calculated fair value $0.0869 (+1%), Quality Score 55/100, from 14 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 UNHLF calculated?
We run Union Medical Healthcare Limited through 14 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 $0.0869, 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 14.9 % above its aggregate fair value. Union Medical Healthcare Limited currently trades 1 % 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 Union Medical Healthcare Limited (UNHLF)?
The closing price on Sep 25, 2026 was $0.0860. Our model-based fair value is $0.0869, about +1% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Union Medical Healthcare Limited right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range ($0.0588 to $0.1369) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
Key figures of Union Medical Healthcare Limited
How large is the market capitalisation of Union Medical Healthcare Limited (UNHLF)?
The market capitalisation of Union Medical Healthcare Limited is $102M. 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 Union Medical Healthcare Limited (UNHLF)?
The price-to-sales ratio of Union Medical Healthcare Limited is 0.03 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Union Medical Healthcare Limited (UNHLF)?
Earnings per share at Union Medical Healthcare Limited are $−0.0200. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Union Medical Healthcare Limited (UNHLF)?
The dividend yield of Union Medical Healthcare Limited is 11.7%. 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 Union Medical Healthcare Limited (UNHLF)?
The net margin of Union Medical Healthcare Limited is −4.0% (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 Union Medical Healthcare Limited (UNHLF)?
The return on equity (ROE) of Union Medical Healthcare Limited is −6.2% (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 Union Medical Healthcare Limited (UNHLF)?
On an EBIT basis the return on assets of Union Medical Healthcare Limited is 4.5% (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 Union Medical Healthcare Limited (UNHLF)?
The operating margin of Union Medical Healthcare Limited is 2.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Union Medical Healthcare Limited (UNHLF)?
Revenue at Union Medical Healthcare Limited is growing −6.4% versus a year earlier (3y avg +12.3%). 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 Union Medical Healthcare Limited (UNHLF)?
Earnings per share at Union Medical Healthcare Limited are growing +112% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Union Medical Healthcare Limited (UNHLF) generate?
The free cash flow of Union Medical Healthcare Limited is HK$686M (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 Union Medical Healthcare Limited (UNHLF) carry?
The net debt of Union Medical Healthcare Limited is HK$339M (fiscal year 2025, ≈ 0.5 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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Thin data
Sep 24, 2026