ASIAFIN HOLDINGS CORP.
ASFHInvestment snapshot
Positive
3
BUY / PASS
Neutral / negative
2 / 11
NEUTRAL / FAIL
Median fair value
$0.11
-74.9% vs price
Models with upside
0 / 17
Positive margin of safety
Strongest signal
11 of 12 pass — Piotroski objects
Key risk
No clean pass — all 13 investors flag at least one valuation criterion
Framework analysis
| Verdict | Meaning |
|---|---|
| BUY | Positive purchase signal: the framework's buy requirements are met. |
| PASS | The company clears the framework's checklist or screen, but the framework does not produce a buy signal. For valuation frameworks this often means margin of safety is missing, insufficient, or unavailable; some screen-only frameworks have no intrinsic-value BUY state. |
| NEUTRAL | Neither a positive nor negative conclusion. It does not mean to hold an existing position. |
| FAIL | The company does not clear the framework's requirements. |
| Ranked | Ranked strategies do not use PASS: selected cohort is BUY, outside the cohort is FAIL, and unranked is NEUTRAL. |
Current investor scores use trailing 12-month flows and the latest balance sheet where supported. Multi-year and EPS tests retain annual history; each framework shows its financial basis below. Intrinsic values use annual financials.
| Metric | Graham Defensive Value | Buffett Quality Compounder | Lynch GARP | Greenblatt Magic Formula | Piotroski F-Score | Dreman Contrarian Value | Munger Quality Focus | Pabrai Dhandho Framework | Akre Three-Legged Stool | Marks Risk-Aware Value | Ackman Activist Value | Templeton Global Bargain Hunter | Sleep Scale Economies Shared | Asness Systematic Factors | Neff Low-P/E Total Return | Schloss Asset-Value Discipline | O'Shaughnessy Systematic Factor Composite |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Verdict | FAIL | FAIL | NEUTRAL | FAIL · Rank #1420 (Top 45.9%) | PASS | FAIL | PASS | FAIL | FAIL | FAIL | FAIL | FAIL | PASS | FAIL | FAIL | FAIL | NEUTRAL |
| Score | |||||||||||||||||
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| Intrinsic Value (annual) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ||||
| Margin of Safety | N/A | N/A | N/A | N/A | N/A | N/A | -298.2% | -2090.0% | N/A | N/A | -157.6% | N/A | N/A | N/A | N/A | N/A | N/A |
| Financial Basis | TTM ended 2026-09-30 · Balance sheet at 2026-09-30 · Annual history · FY 2025 Latest source filing: 2026-11-12 Score computed: 2026-11-14 | Annual history · FY 2025 Latest source filing: 2026-04-01 Score computed: 2026-11-14 | Annual history · FY 2025 · Balance sheet at 2026-09-30 · TTM ended 2026-09-30 vs 2025-09-30 · TTM ended 2026-09-30 Latest source filing: 2026-11-12 Score computed: 2026-11-14 | TTM ended 2026-09-30 Latest source filing: 2026-11-12 Score computed: 2026-11-14 | Annual history · FY 2025 Latest source filing: 2026-04-01 Score computed: 2026-11-14 | Annual history · FY 2025 · TTM ended 2026-09-30 · Balance sheet at 2026-09-30 · Market data at 2026-11-01 Latest source filing: 2026-11-12 Score computed: 2026-11-14 | Qualitative assessment · Annual history · FY 2025 · TTM ended 2026-09-30 · Balance sheet at 2026-09-30 Latest source filing: 2026-11-12 Score computed: 2026-11-14 | Qualitative assessment · Annual history · FY 2025 Latest source filing: 2026-04-01 Score computed: 2026-11-14 | Annual history · FY 2025 · Qualitative assessment · TTM ended 2026-09-30 · Balance sheet at 2026-09-30 Latest source filing: 2026-11-12 Score computed: 2026-11-14 | Annual history · FY 2025 · Qualitative assessment Latest source filing: 2026-04-01 Score computed: 2026-11-14 | Annual history · FY 2025 · TTM ended 2026-09-30 · Balance sheet at 2026-09-30 · Market data at 2026-11-01 Latest source filing: 2026-11-12 Score computed: 2026-11-14 | Annual history · FY 2025 · Price history 2025-01-01–2026-11-01 · Balance sheet at 2026-09-30 Latest source filing: 2026-11-12 Score computed: 2026-11-14 | Annual history · FY 2025 · Qualitative assessment Latest source filing: 2026-04-01 Score computed: 2026-11-14 | TTM ended 2026-09-30 · Balance sheet at 2026-09-30 · Price history 2025-01-01–2026-11-01 · Annual history · FY 2025 Latest source filing: 2026-11-12 Score computed: 2026-11-14 | Annual history · FY 2025 · TTM ended 2026-09-30 Latest source filing: 2026-11-12 Score computed: 2026-11-14 | Annual history · FY 2025 · Balance sheet at 2026-09-30 Latest source filing: 2026-11-12 Score computed: 2026-11-14 | TTM ended 2026-09-30 · Annual history · FY 2025 · Price history 2025-01-01–2026-11-01 Latest source filing: 2026-11-12 Score computed: 2026-11-14 |
Where It Passes
- Debt & Leverage92% pass✓ 14✗ 1▾
11 of 12 pass — Piotroski objects
LT Debt vs Net Current AssetsLT Debt $0.0M vs NCA $2.0M✓GrahamLT Debt <= Net Current AssetsDebt/Equity & Interest CoverageD/E: 0.02, IC: 21.1x✓BuffettD/E < 0.5 AND Interest Coverage > 5xTotal Debt / Equity0.01✓Lynch< 0.33Cash - Long-term Debt$0.7M✓LynchPositive preferredLT Debt / Total Assets Change0.00% -> 0.93%✗PiotroskiDecreased YoYCurrent Assets / Current Liabilities2.15✓Dreman> 1.5✓SchlossCurrent ratio >= 1.50x (app cutoff)Total Debt / Shareholders' Equity0.01✓Dreman< 0.8✓Templeton< 1.0 (fixed cap; proxy for below-sector-median leverage)✓SchlossD/E < 1.00xDebt Levels0.01✓MungerDebt/Equity < 0.5✓AkreDebt/Equity < 0.3Interest Coverage & Debt/EBITDAIC=21.1x, D/EBITDA=0.3x✓MarksInterest Coverage > 3x; Debt/EBITDA < 4xTotal Debt / Shareholders Equity0.01✓Ackman<= 1.0Negative debt-to-equity (higher means less debt)-0.0117; #645/4210 (top 15.3%)✓AsnessTop 30% of eligible cross-section
Where It Falls Short
- Valuation0% pass✓ 1✗ 27▾
No clean pass — all 13 investors flag at least one valuation criterion
Price / 3-yr avg EPS✗Graham<= 15xPrice-to-Book Ratio14.0x✗Graham<= 1.5xP/E x P/B✗Graham<= 22.5Basic earnings-growth PEG (dividends excluded)✗Lynch< 1.0 (ideally < 0.5)EBIT / Enterprise Value1.6%✗Greenblatt> 10%Earnings Yield + ROC AssessmentEY=1.6%, ROC=29.5%✗GreenblattBoth EY > 10% and ROC > 25%Price / EPS✗Dreman< 12x✗Templeton< 12x (fixed ceiling; proxy for the market's cheapest 40%)Price / (CFO / Shares)71.2x✗Dreman< 8xPrice / Book Value per Share14.0x✗Dreman< 1.2x✗Templeton< 1.5x✗SchlossP/B <= 0.80x (app cutoff)Valuation ReasonablenessOE Yield=-0.2%✗MungerP/E < 25 or Owner Earnings Yield > 5%P/E or FCF YieldFCF Yield=1.1%✗PabraiP/E < 15 or FCF Yield > 10%P/B or P/E vs. Historical AverageP/B=14.0x✗MarksP/E < 15 or P/B < 2.0Discount to Intrinsic ValueN/A (negative normalized EPS)✗Marks>= 20% below intrinsic valuePrice / FCF per Share90.9x✗Ackman<= 25Price vs. Trailing Low322% of trailing low ($0.14)✗Templeton<= 120% of trailing low (certified split-adjusted live window)Net income / market capitalization+1.24%; #2921/6340 (top 46.1%)✗AsnessTop 30% of eligible cross-section✗OshaughnessyTop 10% of eligible cross-sectionPositive book equity / market capitalization+0.0765; #4878/6449 (top 75.6%)✗AsnessTop 30% of eligible cross-sectionPrice / Diluted EPS✗NeffP/E <= 15x (app proxy for a P/E 40%-60% below the market)(EPS CAGR % + Dividend Yield %) / P/E✗Neff> 0.7 (Neff's published traditional edge)Price / Tangible Book Value per Share13.98x✗SchlossP/TBV <= 1.00x (app cutoff)Book Value per Share Change+346.2%✓SchlossLatest BVPS >= earliest BVPS over >= 3 years (app rule)Revenue / market capitalization+0.1640; #3968/5247 (top 75.6%)✗OshaughnessyTop 10% of eligible cross-section(Operating cash flow - capex) / market capitalization+1.84%; #2277/4519 (top 50.4%)✗OshaughnessyTop 10% of eligible cross-sectionTrailing six-month price return through the evaluation date-14.12%; #3670/6202 (top 59.2%)✗OshaughnessyTop 10% of eligible cross-section - Growth0% pass✓ 3✗ 10▾
No clean pass — all 8 investors flag at least one growth criterion
EPS Growth (3-yr avg, 10-yr window)N/A (negative base EPS)✗Graham>= 33% growthBasic earnings-growth PEG (dividends excluded)✗Lynch< 1.0 (ideally < 0.5)3-5 Year EPS CAGR✗Lynch15-30% (Fast Grower); > 0% to passInventory Growth vs Revenue GrowthN/A (no inventory)✓LynchInventory growth < Revenue growthEPS Growth Direction$0.00 (2020) -> $0.00 (2025)✗DremanPositive over recent yearsEPS CAGR✗Dreman> 5% annualizedPositive Net Income Frequency1/6 years positive✗MarksPositive net income in >= 7 of last 10 years3yr Median Revenue Growth30.2%✓Ackman>= 5%Positive EPS Growth Frequency0/5 years with positive EPS growth✗AckmanPositive EPS growth in >= 3 of last 5 years5-Year EPS CAGR✗Templeton> 0% (5-year EPS CAGR)Revenue growth vs. gross and operating margin trendgross margin 45.1% -> 37.1%, operating margin 3.7% -> 0.8%✗SleepRevenue rising; gross margin flat or falling; operating margin holding5-year Revenue CAGR209.7%✓SleepCAGR > 7%3-5 Year Diluted EPS CAGR✗Neff7%-20% annualized - Valuation models0% pass✗ 3▾
ASFH overvalued: all 3 models price fair value below $0.44 (median $0.11)
Munger fair value$0.11✗Munger-298.2% margin vs $0.44Pabrai fair value$0.02✗Pabrai-2090.0% margin vs $0.44Ackman fair value$0.17✗Ackman-157.6% margin vs $0.44 - Profitability6% pass✓ 8✗ 27▾
15 of 16 flag ASFH's profitability — Graham, Buffett, Lynch +12 more
Positive EPS (10 years)0/7 years positive✗GrahamPositive EPS every year for 10 yearsEPS Growth (3-yr avg, 10-yr window)N/A (negative base EPS)✗Graham>= 33% growthNet Income Positive (10+ years)1/7 years positive✗BuffettPositive every year for 10+ yearsROE (up to 5-year arithmetic mean)-12.1%✗Buffett> 15% arithmetic mean (app rule)Operating Margin (10-yr trend)✗BuffettStable or rising over 10 yearsFree Cash Flow Proxy$-0.1M✗BuffettPositive and growingEarnings Variance (10-yr CoV)N/A (negative mean EPS)✗BuffettCoV < 0.3Retained Earnings Effectiveness✗Buffett$1 retained -> > $1 market value createdBasic earnings-growth PEG (dividends excluded)✗Lynch< 1.0 (ideally < 0.5)3-5 Year EPS CAGR✗Lynch15-30% (Fast Grower); > 0% to passROE16.2%✓Lynch> 15%EBIT / Enterprise Value1.6%✗Greenblatt> 10%Earnings Yield + ROC AssessmentEY=1.6%, ROC=29.5%✗GreenblattBoth EY > 10% and ROC > 25%Net Income / Total Assets-1.79%✗PiotroskiROA > 0ROA Change YoY-3.45% -> -1.79% (delta: +1.65%)✓PiotroskiCurrent ROA > Prior ROA(CFO / Total Assets) vs ROACFO/Assets=10.60%, ROA=-1.79%✓PiotroskiCFO/Assets > ROAGross Margin Change YoY42.1% -> 37.1%✗PiotroskiImproved YoYPre-Tax Income / Revenue9.6%✓Dreman>= 8%Net Income / Shareholders' Equity16.2%✓Dreman> 12%Margin of SafetyP/B=14.0x✗PabraiP/B < 1.5 or P/E < 15Return on Equity-2.8% (3-yr avg)✗AkreROE > 20% (3-year avg)Discount to Intrinsic ValueN/A (negative normalized EPS)✗Marks>= 20% below intrinsic valuePositive Net Income Frequency1/6 years positive✗MarksPositive net income in >= 7 of last 10 yearsOperating Income / Revenue9.4%✗Ackman>= 15%Net Income / Shareholders Equity16.2%✓Ackman>= 15%5-Year EPS CAGR✗Templeton> 0% (5-year EPS CAGR)Operating Margin Trend3.7% (2023) -> 0.8% (2025)✗TempletonNon-negative operating-margin trend over 3 yearsRevenue growth vs. gross and operating margin trendgross margin 45.1% -> 37.1%, operating margin 3.7% -> 0.8%✗SleepRevenue rising; gross margin flat or falling; operating margin holdingNet income / market capitalization+1.24%; #2921/6340 (top 46.1%)✗AsnessTop 30% of eligible cross-section✗OshaughnessyTop 10% of eligible cross-sectionGross profit / total assets+45.88%; #769/3702 (top 20.8%)✓AsnessTop 30% of eligible cross-sectionNet income / positive book equity+16.24%; #1050/5226 (top 20.1%)✓AsnessTop 30% of eligible cross-sectionNegative 5-year standard deviation of ROA-0.1436; #3899/5884 (top 66.3%)✗AsnessTop 30% of eligible cross-section3-5 Year Diluted EPS CAGR✗Neff7%-20% annualizedPositive Diluted-EPS Years0/6 years positive✗Schloss>= 70% positive over 5-10 observed years (app rule) - Verdicts20% pass✓ 3✗ 12▾
Split decision: 11 FAIL · 3 PASS · 2 NEUTRAL
Overall verdict✗GrahamFAIL (2/9)✗BuffettFAIL (1/9)•LynchNEUTRAL (5/7)✗GreenblattRank #1420✓PiotroskiPASS (F-Score 4)✗DremanFAIL (4/11)✓MungerPASS (2/4)✗PabraiFAIL (0/3)✗AkreFAIL (2/6)✗MarksFAIL (1/5)✗AckmanFAIL (3/9)✗TempletonFAIL (2/8)✓SleepPASS (3/6)✗AsnessFAIL (Rank #1678/2370 (Top 70.8%))✗NeffFAIL (2/6)✗SchlossFAIL (3/7)•OshaughnessyNEUTRAL (Not ranked) - Cash Flow30% pass✓ 4✗ 8▾
7 of 10 flag ASFH's cash flow — Buffett, Dreman, Pabrai +4 more
Free Cash Flow Proxy$-0.1M✗BuffettPositive and growingFCF Positive and Growing$0.7M✓LynchPositive and growingOperating Cash Flow$0.5M✓PiotroskiCFO > 0(CFO / Total Assets) vs ROACFO/Assets=10.60%, ROA=-1.79%✓PiotroskiCFO/Assets > ROAPrice / (CFO / Shares)71.2x✗Dreman< 8xP/E or FCF YieldFCF Yield=1.1%✗PabraiP/E < 15 or FCF Yield > 10%FCF Positive1/3 years FCF positive✗MarksPositive FCF in majority of recent years(OCF - CapEx) / Market Cap1.8%✗Ackman>= 4%Price / FCF per Share90.9x✗Ackman<= 25Positive Operating Cash Flow frequency2/6 years positive✗SleepPositive OCF in >= 70% of available yearsOperating Cash Flow - Capital Expenditures$0.7M✓Neff> $0 (app proxy for a strong fundamental case)(Operating cash flow - capex) / market capitalization+1.84%; #2277/4519 (top 50.4%)✗OshaughnessyTop 10% of eligible cross-section - Efficiency50% pass✓ 5✗ 6▾
4 of 8 pass — Buffett, Piotroski, Akre +1 more object
Current Ratio2.15✓Graham>= 2.0ROIC (3-5 yr avg)0.3%✗Buffett> 10%ROIC - WACC-9.7%✗BuffettPositive (WACC = 10%)EBIT / (NWC + Net Fixed Assets)29.5%✓Greenblatt> 25%Current Ratio Change YoY2.56 -> 2.14✗PiotroskiIncreased YoYRevenue / Total Assets Change YoY0.81x -> 1.08x✓PiotroskiImproved YoYCurrent Assets / Current Liabilities2.15✓Dreman> 1.5Return on Invested Capital15.8%✓Munger> 15%ROIC (high and growing)FY2023: ROIC=unavailable; FY2024: ROIC=-1.4%; FY2025: ROIC=1.2%✗AkreLatest 3 consecutive FYs: ROIC > 15% in eachReinvestment Rate x ROICN/A (non-positive net income)✗AkreReinvestment Rate * ROIC > 10%ROIC (5-year)0/2 years above 12% (latest 1.2%)✗SleepROIC > 12% in a majority of years
Business & financials
Financial snapshot: annual FY 2025. Current investor scores may use newer quarterly data.
Company Profile
Financial Snapshot
Shareholder Return
Fiscal 2025
Issued 0.4% of shares last year, 0.4% issued over two.
- Buybacks
- —
- Dividends
- —
Company Financials
Latest TTM and quarters alongside annual years
TTM sums four consecutive quarters and uses the latest quarter-end balances. Quarter columns show three-month results; annual columns show full-year totals. Growth compares the same period a year earlier. EPS is not added for TTM; full-year ratios are blank for quarters.
The latest annual period end is unavailable. Showing the latest fiscal cycle’s quarters; quarter and annual columns may overlap. Quarterly shows the full quarter history.
| Metric | TTM · 2026-09-30 2025-10-01 – 2026-09-30 Sources · derived quarter valuesDerived from cumulative filings: revenue, net income, operating income, gross profit, ebit, pre tax income, operating cash flow, depreciation amortization, capex. | Q3 FY 2026 2026-07-01 – 2026-09-30 Sources · derived quarter valuesDerived from cumulative filings: operating cash flow, depreciation amortization, capex. | Q2 FY 2026 2026-04-01 – 2026-06-30 Sources · derived quarter valuesDerived from cumulative filings: operating cash flow, depreciation amortization, capex. | Q1 FY 2026 2026-01-01 – 2026-03-31 Sources | FY 2025Sources
| FY 2024Sources
| FY 2023Sources
| FY 2022Sources
| FY 2021Sources
|
|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $35.9Mcurrent | -- | -- | -- | $56.2Mest. | $102.7Mest. | $97.9Mest. | $88.0Mest. | $88.0Mest. |
| Revenue | $5.9M↑31% | $1.2M↓26% | $1.5M↑51% | $1.3M↑105% | $5.1M↑52% | $3.4M↑9% | $3.1M | -- | $38.0K |
| Operating Income | $555.1K↑2555% | -$65.8K↓118% | $419.7K↑302% | -$165.2K↑66% | $39.7K↑192% | -$43.0K↓137% | $115.3K↑207% | -$108.2K | -- |
| Net Income | $445.9K↑746% | -$47.1K↓112% | $430.8K↑318% | -$152.6K↑68% | -$85.3K↑41% | -$143.6K↓847% | $19.2K↑117% | -$112.2K↑70% | -$377.5K |
| EPS (Diluted) | -- | $-0.00 | $0.01 | $0.00↑100% | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Gross Margin | 38.5%↑233% | 26.0%↓44% | 50.1%↑62% | 26.7%↑2501% | 37.1%↓12% | 42.1%↓7% | 45.1% | — | 30.0% |
| Operating Margin | 9.4%↑1927% | -5.6%↓124% | 27.7%↑234% | -12.9%↑84% | 0.8%↑161% | -1.3%↓134% | 3.7% | — | — |
| ROE | 16.2%↑634% | — | — | — | -3.3%↑43% | -5.8%↓785% | 0.9%↑106% | -13.1%↑66% | -39.0% |
| Total Debt | $32.1K↓31% | $32.1K↓31% | $36.0K | $40.3K | $44.1K | $0 | -- | -- | -- |
| Shareholders' Equity | $2.7M↑21% | $2.7M↑21% | $2.8M↑49% | $2.4M↑21% | $2.6M↑4% | $2.5M↑9% | $2.3M↑164% | $856.5K↓12% | $968.7K |
| Current Ratio | 2.15↓4% | 2.15↓4% | 2.25↑13% | 1.89↓5% | 2.14↓16% | 2.56↓11% | 2.89↓93% | 41.47↓44% | 74.39 |
| Debt / Equity | 0.01↓43% | 0.01↓43% | 0.01 | 0.02 | 0.02 | 0.00 | — | — | — |
| Operating Cash Flow | $744.3K↑294% | -$90.5K↑41% | -$37.1K↑82% | -$43.2K↑4% | $503.9K↑1965% | $24.4K↑112% | -$210.5K↓99% | -$106.0K↑72% | -$377.7K |
| Free Cash Flow | $661.7K↑1894% | -$90.5K↑47% | -$61.9K↑73% | -$43.3K↑29% | $394.6K↑446% | -$113.9K↑53% | -$242.9K | -- | -- |
Score history
Historical Score Timeline
Industry peers
Industry Peers
Similar companies in Business Services
ASFH vs Peers — Financial Grading
| Company | Market Cap | Price | Revenue | Net Income | ROE | D/E | Op. Margin | Curr. Ratio | Graham | Buffett | Lynch | Greenblatt | Piotroski | Dreman |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| AUTOMATIC DATA PROCESSING INCADP | $122.3B | $309.93 | $21.9B | $4.4B | 73.2% | 0.82 | 24.2% | 1.05 | 4/9 | 5/9 | 3/7 | 0/3 | F-Score 6 | 5/11 |
| ELECTRONIC ARTS INC.EA | $52.9B | $209.70 | $7.5B | $887.0M | 13.1% | 0.22 | 15.4% | 1.05 | 1/9 | 4/9 | 4/7 | 0/3 | F-Score 6 | 6/11 |
| Rubrik, Inc.RBRK | $22.6B | $109.88 | $1.3B | $348.8M | 67.1% | — | -26.2% | 1.69 | 1/9 | 0/9 | 2/7 | 0/3 | F-Score 6 | 2/11 |
| AECOMACM | $9.1B | $70.50 | $16.1B | $561.8M | 22.5% | 1.09 | 6.4% | 1.14 | 1/9 | 3/9 | 3/7 | 1/3 | F-Score 8 | 2/11 |
| COMMVAULT SYSTEMS INCCVLT | $6.2B | $152.07 | $1.2B | $70.7M | 942.8% | — | 6.3% | 1.95 | 1/9 | 2/9 | 4/7 | 0/3 | F-Score 6 | 6/11 |
| WPP plcWPP | $6.0B | $27.79 | $18.2B | $289.5M | -8.5% | 1.94 | 2.8% | 0.89 | 1/9 | 2/9 | 1/7 | 0/3 | F-Score 3 | 2/11 |
| VARONIS SYSTEMS INCVRNS | $5.6B | $48.94 | $623.5M | $129.3M | -21.6% | 0.76 | -23.5% | 1.97 | 1/9 | 0/9 | 1/7 | 0/3 | F-Score 5 | 1/11 |
| ROBERT HALF INC.RHI | $4.3B | $42.00 | $5.4B | $133.0M | 10.4% | — | 1.4% | 1.53 | 2/9 | 5/9 | 1/7 | 0/3 | F-Score 5 | 2/11 |