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ZYBERNO

Stock Report

Updated Aug 22, 2026

ASIAFIN HOLDINGS CORP. (ASFH)

OTC

$0.14

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

73.0/100

GOOD BUSINESS

ASIAFIN HOLDINGS CORP. (ASFH) scores 73/100 — strong fundamentals with solid profitability and healthy cash flow generation.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full ASFH quality analysis & detailed breakdown

VALUATION SIGNAL

MARGIN OF SAFETY

Is this stock cheap or expensive relative to what the business has historically generated for owners?

+17.8%

Undervalued

Growth gap unavailable — insufficient data for reverse DCF calculation.

🎯 Expected Annual Return →

18.8%

5-year annualised assuming price converges to intrinsic value

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full ASFH valuation analysis · → View full ASFH Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):POOR (7.7%)

Debt-to-Equity (Solvency Risk):GOOD (0.40x)

Operating Margin (Operational Efficiency):GOOD (15.8%)

Return on Capital (Capital Efficiency):EXCELLENT (28.1%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

ASIAFIN HOLDINGS CORP. (ASFH) stock report — Zyberno Score 73/100 (GOOD BUSINESS), Margin of Safety +17.8%, 19% expected annual return. Full financial analysis on Zyberno.

According to Zyberno's DCF model, ASIAFIN HOLDINGS CORP. (ASFH) trades at $0.14 against an estimated intrinsic value per share of $0.17 — a +17.8% Margin of Safety based on Owner Earnings of $435.73K TTM, projected at 69.6% growth for 10 years with a 2.5% terminal growth rate. Zyberno's model translates this into a 5-year expected return of 18.8% annually.

Over the trailing twelve months, ASFH generated $435.73K in Owner Earnings. Capital was deployed as follows: $93.12K invested in capital expenditures. Owner Earnings have grown at 69.6% annually over the trailing five years using log-linear regression.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:0.14

Market Cap:$11.14M

Valuation Multiples (4)

P/E Ratio:

8.89x

📊 Click to view full ASFH P/E analysis →

P/B Ratio:3.98x

P/S Ratio:1.77x

Peg Ratio:-999.00x

Enterprise Metrics (3)

Enterprise Value:$10.81M

Ev Ebitda Ratio:9.57x

Pfcf Ratio:34.62x

Price Action & Momentum (1)

% of 52-Week High:12.7%

B. Profitability Assessment

Return Metrics (3)

ROE:

7.7%

📊 Click to view full ASFH ROE analysis →

ROA:4.2%

Roic:

28.1%

📊 Click to view full ASFH ROIC analysis →

Margin Analysis (3)

Operating Margin Ttm:15.8%

Net Margin Ttm:3.1%

Ebitda Margin:18.0%

TTM Performance (3)

Gross Margin Ttm:42.9%

Operating Margin Ttm:15.8%

Net Margin Ttm:3.1%

Yield Metrics (3)

Earnings Yield:$8.77

Owner Earnings Yield:$3.05

Dividend Yield:0.0%

C. Log-Linear Regression Growth Trends

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):100.0%

Earnings Growth (Linear) (1)

Net Income Growth Rate (Linear):9.9%

Cash Flow Growth (Linear) (2)

Free Cash Flow Growth Rate (Linear):65.3%

Operating Cash Flow Growth Rate (Linear):70.4%

Operating Growth (Linear) (1)

Operating Income Growth Rate (Linear):0.3%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:2.25x

Quick Ratio:2.25x

Cash Ratio:0.54x

Leverage Analysis (3)

Debt To Equity Ttm:0.40x

Debt-to-Equity Ratio:0.40x

Debt To Ebitda:0.49x

Coverage Ratios (1)

Times Interest Earned:-999.00

Capital Structure (4)

Working Capital:2,053,206.00

Cash And Cash Equivalents:880,457.00

Long Term Debt:$482.25K

Net Debt:-$328.07K

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $6.29M

Linear Growth: 100.0%

📊 Click to view full ASFH Revenue analysis & methodology →

Cost Of Revenue Ttm:$5.75M

Profitability Breakdown (2)

Gross profit TTM: $2.70M

Linear Growth: 100.0%

📊 Click to view full ASFH Gross Profit analysis & methodology →

Operating income TTM: $991.87K

Linear Growth: 30.0%

📊 Click to view full ASFH Operating Income analysis & methodology →

Bottom Line Performance (3)

Net income TTM: $192.87K

Linear Growth: 9.9%

📊 Click to view full ASFH Net Income analysis & methodology →

Income Before Tax:$993.23K

Ebitda Ttm:1,129,579.00

Operating Expenses (5)

Operating Expenses:0.00

R And D Expense:0.00

Sga Expense:1,715,580.00

Income Tax Expense:$99.57K

Interest Expense:0.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%

Sga To Revenue Percentage:113.1%

Ebitda Margin:18.0%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$4.95M

Current Assets:$3.70M

Ppe Net:695,930.00

Goodwill:0.00

Intangible Assets:$0.00

Liability Structure (4)

Total Liabilities:2,152,030.00

Current Liabilities:1,641,822.00

Long Term Debt:$482.25K

Short Term Debt:$70.13K

Equity & Capital (3)

Equity:$2.80M

Retained Earnings:-$7.85M

Common Stock:600,000,000.00

Working Capital Items (3)

Accounts Receivable:1,380,334.00

Inventory:0.00

Accounts Payable:402,805.00

Special Items (2)

Contract Liabilities:912,305.00

Stock Based Compensation:0.00

C. Cash Flow Analysis

Operating Activities (2)

Operating cash flow TTM: $505.82K

Linear Growth: 70.4%

Free cash flow TTM: $412.71K

Linear Growth: 65.3%

📊 Click to view full ASFH Free Cash Flow analysis & methodology →

Investment Activities (2)

Investing Cash Flow:-$114.00

Capital Expenditures Ttm:93,118.00

Financing Activities (3)

Financing Cash Flow:-$23.87K

Dividends Paid Ttm:0.00

Stock Repurchase:0.00

Capital Transactions (3)

Common Stock Issuance:327,600.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$4.02K

Non-Cash Items (1)

Depreciation Amortization Ttm:137,711.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):0.02

$0.02

Earnings Per Share Ttm:$0.00

Revenue & Cash Per Share (3)

Sales Per Share Ttm:0.08

Operating Cash Flow Per Share:$0.01

Fcf Per Share Ttm:0.01

Book Value & Capital (2)

Book Value Per Share:$0.03

Cash Per Share:0.01

Dividend Policy (1)

Dividend Payout Ratio:0.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:1.35x

Working Capital Turnover Ttm:3.06x

Receivables Management (2)

Receivables Turnover Ttm:4.56x

Days Sales Outstanding Ttm:80.10

Inventory Management (2)

Inventory Turnover Ttm:-999.00x

Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:25.56

Cash Conversion Cycle:-944.45

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:100.00

Quality Score:50.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Owner Earnings Analysis (3)

Owner earnings TTM: $435.73K

Linear Growth: 69.6%

📊 Click to view full ASFH Owner Earnings analysis & methodology →

Owner Earnings Per Share:$0.01

Owner Earnings Yield:$3.05

Growth Assessment (1)

Owner Earnings Growth Rate:$69.62

Intrinsic Value Models (1)

Intrinsic Value:

$13.56M

📊 Click to view full ASFH DCF valuation →

Margin of Safety (1)

Margin Of Safety:

17.8%

📊 Click to view full ASFH valuation analysis →

Return Scenarios (1)

Theoretical 5-Year Return:

18.8%

📊 Click to view full ASFH expected return analysis →

Investment Assessment (1)

Buffett Assessment:Overvalued

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (3)

Revenue Growth Rate (Linear):100.0%

Net Income Growth Rate (Linear):9.9%

Operating Income Growth Rate (Linear):0.3%

Cash Flow Growth Rates (2)

Free Cash Flow Growth Rate (Linear):65.3%

Operating Cash Flow Growth Rate (Linear):70.4%

Other Growth Rates (3)

Gross Profit Growth Rate (Linear):100.0%

Book Value Growth Rate (Linear):16.8%

Owner Earnings Growth Rate:$69.62

C. Company Profile & Context

Corporate Information (6)

Symbol:ASFH

Company Name:ASIAFIN HOLDINGS CORP.

Sector:Unknown

Industry:Business Services

Exchange:OTC

Country:Malaysia

Market Classification (3)

Market Cap Category:N/A

Price Category:penny

Volume Category:N/A

Share Structure (3)

Shares Outstanding:81.92M

Shares Outstanding Basic:81.92M

Shares Outstanding Diluted:81.92M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-08-22 13:05:16 UTC

Data Timestamp:2026-08-20T14:39:00.655911