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US Masters Residential Property Fund (Fund) (URF) Fair Value & Analysis

Real Estate · AU · Market cap A$103M

UM US Masters Residential Property Fund (Fund) URF · AU
PriceA$0.1650
Fair ValueA$0.0400
Upside-75.8%
Quality43/100
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Weak Growth
Low debt · negative free cash flow
Trails peers (3/10)
Narrow moat 10/100
Evidence: Low Range A$0.0200 – A$0.0600 Share as image

Fair value as of: Aug 13, 2026

From 4 valuation models · updated yesterday

Share price +5.1% over the past month.

Below-average quality, and screening another 76% overvalued on our models.

What matters now

  • The price sits above even our optimistic bull case (A$0.0600). The favourable scenario is already priced in.
  • Weak quality (43/100) and above fair value at the same time, the margin of safety is missing on both counts.
  • The model range is unusually wide (A$0.0200 to A$0.0600). 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.
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Price vs Fair Value (5 years)

A$0.1696 A$0.0685 Fair Value A$0.0400 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 A$0.0685 – A$0.1696 · fair‑value band A$0.0200 – A$0.0600 · the A$0.1650 price screens above the A$0.0400 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

US Masters Residential Property Fund (Fund) (URF) currently trades at A$0.1650, while our model-based Fair Value estimate is A$0.0400, implying the stock looks roughly 75.8% overvalued today. The Quality Score stands at 43/100 (below-average quality), in the Real Estate 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: low).

Trailing-twelve-month revenue stands at A$20.9M. Revenue declined 58.0% year over year. It earns a return on equity of -18.0%. Net debt stands at A$25.2M. Fundamentals as of Aug 13, 2026

Our scenario range runs from A$0.0200 (bear case) to A$0.0600 (bull case); at A$0.1650, 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 3% below its 52-week high and 19% above its 52-week low, currently below its 200-day average. For context, the median of 10 Real Estate peers we cover trades at -44% fair-value upside, at -76%, URF 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
EV/EBITDA A$0.0200 A$0.0400 A$0.0600 54
EV/EBIT A$0.0400 A$0.0700 A$0.0900 53
NCAV (Graham) A$0.1700 A$0.2300 A$0.3500 50
All 4 models by family
Multiples
EV/EBIT A$0.0400 A$0.0700 A$0.0900 53
EV/EBITDA A$0.0200 A$0.0400 A$0.0600 54
EV/Revenue A$0.0100 A$0.0300 A$0.0400 43
Asset-Based
NCAV (Graham) A$0.1700 A$0.2300 A$0.3500 50

Widest divergence: Asset-Based (A$0.2300) versus Multiples (A$0.0400). Highest evidence: EV/EBITDA (54).

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Key figures & financial health

Revenue (TTM) A$20.9M
Revenue growth (YoY) -58.0%
Net margin -270%
Return on equity -18.0%
Free cash flow −A$11.8M FY2025
Operating margin -38.6%
More key figures
EPS (TTM) A$-0.0800
EPS growth (YoY) -68.4%
Net debt A$25.2M FY2025

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

Quality Score breakdown

Overall quality 43/100

Of which business quality 45 · Market factors (momentum, volatility) 60

Profitability 0
Margins and returns on capital today
Quality Growth 11
Are margins and returns improving?
Cashflow 25
Earnings quality: real cash, not paper profit
Fin. Strength 65
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 85
Calm price path (market factor)
Momentum 44
Price trend over the last 3–12 months (market factor)
52W Momentum 60
Distance to the 52-week high (market factor)
Net Issuance 100
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

US Masters Residential Property Fund (Fund) is listed on the Australian Securities Exchange. The Fund was established to give investors exposure to US residential property and is the largest Australian-listed property trust with a primary strategy of investing in freestanding and multi-tenant US residential property in the New York metropolitan area.

Full company description

US Masters Residential Property Fund (Fund) is listed on the Australian Securities Exchange. The Fund was established to give investors exposure to US residential property and is the largest Australian-listed property trust with a primary strategy of investing in freestanding and multi-tenant US residential property in the New York metropolitan area. As of 31 December 2024, the Fund's portfolio has 623 housing units across 340 freestanding properties, with a gross asset value of approximately 710 million US dollars. The Fund conducts all its New York metropolitan area residential investment through its controlled entity US Masters Residential Property (USA) Fund, a Maryland Real Estate Investment Trust (US REIT). In June 2024, the fund created a stapled group, by stapling units in a new fund US Masters Residential Property Fund II (ARSN 676 798 468) (URFII) to existing units in the Fund. URF II was created to own a new responsible entity, US Masters Responsible Entity Limited (ACN 672 783 345 | AFSL 553 794), which is now owned by Fund Unitholders, independent of any financial services organization and operates on a cost-recovery basis. US Masters Residential Property Fund was incorporated in 2011 in Australia.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

US Masters Residential Property Fund (Fund) reported revenue of A$21.3M in FY2025 versus A$39.6M in FY2021, a compound −14.4%/yr. Reported net income was −A$56.6M in FY2025.

Growth Quality 0/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2025)
A$21.3M
Latest YoY
−42.1%
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.
−22.5%
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.
−13.9%
Avg. growth/yr (14Y) 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.
+24.2%
Revenue −14.4%/yr
FY21 A$39.6M
FY22 A$45.8M
FY23 A$46.2M
FY24 A$36.7M
FY25 A$21.3M
Net income
FY21 A$21.1M
FY22 A$6.9M
FY23 −A$19.0M
FY24 −A$44.6M
FY25 −A$56.6M

URF screens 76% overvalued. Compare with AvalonBay Communities, Inc →

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Cite: Fair Value Calculator (2026). "US Masters Residential Property Fund (Fund) Fair Value". https://www.fairvalue-calculator.com/stock/URF

Peer Group

REIT - Residential · 49 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 45 · Below median
Fair Value upside −76% · Bottom 25%
Return on assets -0% · Bottom 25%
Operating margin (TTM) -39% · Bottom 25%
Revenue growth -58% · Bottom 25%
Dividend yield (TTM) 0.0% · Below median
Debt / equity 0.49× · Lower than 75% of peers

Valuation Multiples vs REIT - Residential median · lower = cheaper

P/B 0.31× · Cheaper than 75% of peers
P/S (TTM) 3.49× · 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 0
FUTURE 0 · sector 12
PAST 0 · sector 6
HEALTH 75 · sector 61
DIVIDEND 0 · sector 71

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 REIT - Residential stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).

Stock Price Fair Value vs Fair Value
AvalonBay Communities, Inc AVB $179.79 $126.12 -30%
EQR EQR $64.42 $36.19 -44%
Essex Property Trust, Inc ESS $282.46 $177.90 -37%
Invitation Homes INVH $29.78 $15.91 -47%
Mid-America Apartment Communities, Inc MAA $132.33 $65.28 -51%
Sun Communities, Inc SUI $118.34 $121.64 +3%
UDR, Inc UDR $37.30 $19.76 -47%
American Homes 4 Rent (AMH or the General Partner) AMH $33.83 $21.07 -38%
Equity LifeStyle Properties, Inc ELS $63.97 $20.93 -67%
Camden Property Trust, an S&P 500 Company CPT $108.38 $41.51 -62%

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Frequently asked questions

Is US Masters Residential Property Fund (Fund) (URF) overvalued or undervalued?
As of Aug 13, 2026, our model estimates a fair value of A$0.0400 versus a price of A$0.1650, about −76% (overvalued).
What is the fair value of URF?
Our model-based fair value for US Masters Residential Property Fund (Fund) is A$0.0400 (as of Aug 13, 2026), built from audited fundamentals. The current price is A$0.1650.
What is the quality score of URF?
US Masters Residential Property Fund (Fund) has a Quality Score of 43/100. 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 US Masters Residential Property Fund (Fund) (URF)?
US Masters Residential Property Fund (Fund) reported trailing-twelve-month revenue of about A$20.9M (latest available figure, 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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