LT Group Inc (LTG) Fair Value & Analysis

Financials · PH · Market cap 94.1B PHP (≈ $1.5B) · ISIN PHY5342M1000

What is LT Group Inc really worth?

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

What matters now

• The price is below even our cautious bear case (22.32 PHP). The market is more pessimistic than our downside scenario.
• The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
• Solid quality (49/100) at a price below fair value, the discount is the argument here, not the business quality.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 18, 2026.

How to read this chart

60‑month range 4.63 PHP – 15.48 PHP · fair‑value band 22.32 PHP – 37.20 PHP · the 15.26 PHP price screens below the 29.76 PHP fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 18, 2026.

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Analysis

LT Group Inc (LTG) currently trades at 15.26 PHP, while our model-based Fair Value estimate is 29.76 PHP, implying the stock looks roughly 48.7% undervalued today. The Quality Score stands at 49/100 (below-average quality), in the Financials sector. Bull case: the Multiples group reads highest at a median of 56.97 PHP per share, and 6 of the 6 models we run sit above the 15.26 PHP price. Bear case: the Asset-Based group reads lowest at 27.27 PHP, and 0 of the 6 models stay below the price. Evidence for this calculation is low.

The stock trades on a trailing P/E of 3.9 (as of Jun 10, 2026). Fundamentals as of Aug 18, 2026

Our scenario range runs from 22.32 PHP (bear case) to 37.20 PHP (bull case); at 15.26 PHP, the current price sits below 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 2% below its 52-week high and 37% above its 52-week low. For context, the median of 10 Financials peers we cover trades at 73% fair-value upside, at 95%, LTG screens cheaper than that median.

Fair Value models

This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly 1.50 PHP per share, which is 5.0 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced 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. Every input is real reported data, nothing guessed.

Widest divergence: Multiples (56.97 PHP) versus Asset-Based (27.27 PHP). Highest evidence: Residual Income (72).

Key figures & financial health

Quality Score breakdown

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

LT Group Inc reported revenue of 133B PHP in FY2025 versus 91.2B PHP in FY2021, a compound +9.9%/yr. Reported net income was 31.0B PHP in FY2025, compounding +11.2%/yr from FY2021.

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Peer Group

Financials · 3318 stocks

How this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Banking Services” was too small, so the broader sector is used.)

Valuation Multiples vs Financials median · lower = cheaper

Strength profile in five axes (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.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

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