Raytech Holding Limited (RAY) Fair Value 2026

RAY · Household & Personal Products ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.8 /10

32 fundamental signals · 10 models active

Value Trap Risk

WARN (42/100)

Quick Summary — As of 2026-08-27, Raytech Holding Limited (RAY) trades at $2.68, versus a $5.21 median fair value across its 10 active models — 94.4% above the current price. QOC: 6.8/10. Value Trap Risk: 42/100 (WARN). 10/13 models active. Within that set, the Bayesian DCF component alone returns $2.54.

Key Facts

Ticker
RAY
Price
$2.68
Quality Score
6.8/10
Value Trap Risk
42/100
Models Active
10/13
Last Updated
Strength: First Chicago suggests +291.3% upside with 54% confidence
Risk: Value Trap score of 42 suggests caution despite apparent undervaluation

Is Raytech Holding Limited (RAY) Undervalued or Overvalued in 2026?

According to CirclFi’s 10-model valuation engine, Raytech Holding Limited (RAY) appears undervalued as of : the median of 10 independent fair value estimates is $5.21, 94.4% above the current price of $2.68. Estimates range from $1.51 to $10.49. RAY scores 6.8/10 on fundamental quality and 42/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. RAY’s +94.4% gap is wider than that market norm, and the Household & Personal Products sector median is -6.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Raytech Holding Limited Stock in 2026? →

What Fair Value Does Each Model Give RAY?

10 Intrinsic Value Models vs. Current Price ($2.68)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Medium Conviction
 $2.54 -5.1%
Ensemble · Low Conviction
 $5.15 +92.2%
Scenario · High Conviction
 $10.49 +291.3%
Intrinsic · High Conviction
 $6.51 +142.7%
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What Is RAY's Fair Value Range?

Spread across 10 independent models · $1.51 to $10.49

CirclFi's 10 active models place Raytech Holding Limited (RAY) between $1.51 and $10.49 per share, a spread of 172% of the median. The median of that range — $5.21 — is the fair value CirclFi publishes for RAY, against a current price of $2.68.

Low · Dynamic NAVHigh · First Chicago
$1.51median $5.21$10.49
Where the range comes from
Most bearish modelDynamic NAV$1.51
Most bullish modelFirst Chicago$10.49
Model agreement8 bullish · 2 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for RAY. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on RAY, not a CirclFi price target. How each model works →

What Is Raytech Holding Limited (RAY) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Raytech Holding Limited is potentially undervalued at its current price of $2.68. Based on our 13-model framework, Raytech Holding Limited's intrinsic value is estimated at a median fair value of $5.21 — representing +94.4% implied upside — with 8 out of 10 active models confirming this thesis. Model dispersion is worth noting: First Chicago targets $10.49 (+291.3%), versus Dynamic NAV at $1.51 (-43.8%). This +335.1% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About RAY?

10 of 13 models are currently active for RAY. Of these, 8 models suggest upside while 2 models suggest overvaluation. Taken together, their median fair value for RAY is $5.21 — the figure CirclFi publishes as this stock's fair value. One component of that median, the Bayesian DCF, returns $2.54 on its own, implying -5.1% downside from the current price. See which stocks rank higher →

How Does RAY Rank in Household & Personal Products?

Among 35 Household & Personal Products stocks, RAY ranks #18 by Quality of Company score. CirclFi's QOC score of 6.8/10 evaluates 32 fundamental signals. A score of 6.8 indicates above-average quality.

Raytech Holding Limited's positioning within the Household & Personal Products segment means that e-commerce penetration rate plays an outsized role in fundamental analysis. The sector's unique characteristics — including private label penetration — shape both the opportunity set and risk profile.

Is RAY a Value Trap?

CirclFi's Value Trap algorithm assigns RAY a score of 42/100 (WARN). This is a warning signal. Additional research into recent 10-Q filings is recommended. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

10 of 13 models are active for Raytech Holding Limited. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Raytech Holding Limited scores 6.8 out of 10 on our 32-signal quality assessment, a solid rating that maintains reasonable quality metrics with some areas for improvement. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +335.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every RAY valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across RAY's 10 active models, average confidence is 39%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Raytech Holding Limited Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Household & Personal Products Stocks Should You Also Analyze?

11 related Household & Personal Products stocks with 13-model coverage

YSGYatsen Holding LimitedQOC 6.8ELThe Estée Lauder Companies Inc.QOC 6.8SLSNSolesence, Inc.QOC 6.8HELEHelen of Troy LimitedQOC 6.6EPCEdgewell Personal Care CompanyQOC 7.4MAGNMagnera CorporationQOC 6.6SKINSkinHealth Systems Inc.QOC 6.0TANHTantech Holdings LtdQOC 1.4CLXThe Clorox CompanyQOC 7.9IPARInterparfums, Inc.QOC 9.3PGThe Procter & Gamble CompanyQOC 8.8

Read investment analysis: YSG · EL · SLSN · HELE · EPC · MAGN · SKIN · TANH · CLX · IPAR · PG

Which Other Stocks Have a Similar Quality Score to RAY?

7 companies across all industries closest to RAY’s Quality of Company score of 6.8/10.

EGYVAALCO Energy, Inc.QOC 6.8SGASaga Communications, Inc.QOC 6.8OISOil States International, Inc.QOC 6.8PHIPLDT Inc.QOC 6.8DSNYDestiny Media Technologies Inc.QOC 6.8SRESempraQOC 6.8NVDANVIDIA CorporationQOC 10.0

Read investment analysis: EGY · SGA · OIS · PHI · DSNY · SRE · NVDA

What Else Do Investors Ask About Raytech Holding Limited’s Valuation?

What is Raytech Holding Limited's intrinsic value in 2026?

CirclFi puts Raytech Holding Limited (RAY)'s intrinsic value at $5.21 — the median of 10 independent model estimates as of 2026-08-27, ranging from $1.51 to $10.49. One component of that median, the Bayesian DCF, runs 10,000 Monte Carlo simulations with jump-diffusion and returns $2.54 on its own. The Quality of Company score is 6.8/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is RAY overvalued or undervalued right now?

At $2.68, 8 of 10 active models suggest RAY may be undervalued, while 2 indicate potential overvaluation. The median of all 10 fair value estimates is $5.21, 94.4% above the current price of $2.68 — a consensus view that RAY is undervalued. The assessment depends on which methodology best fits Raytech Holding Limited's business model in Household & Personal Products.

What does a Quality of Company score of 6.8 mean for RAY?

Raytech Holding Limited's QOC of 6.8/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on RAY?

CirclFi analyzes RAY with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 10 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on RAY?

Of the 10 models currently active on RAY, First Chicago is the most bullish at $10.49 per share, and Dynamic NAV is the most bearish at $1.51. CirclFi's published fair value for RAY is the median of that range, $5.21, not either extreme. The gap between the two ends equals 172% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is RAY a value trap in 2026?

Raytech Holding Limited's Value Trap score is 42/100 (WARN). This elevated score suggests the stock may look undervalued but faces deteriorating fundamentals — declining margins, rising debt, or shrinking revenue could make the apparent discount deceptive. Browse our ranked stock lists to compare value-trap scores across industries.

Cite this analysis — “According to CirclFi’s 10-model valuation engine, Raytech Holding Limited (RAY) has a median fair value of $5.21 — 94.4% above the current price of $2.68 — as of 2026-08-27.” Source: circlfi.com/stock/RAY/ · Methodology
Primary sources for this RAY valuation
  • Financial statements: Raytech Holding Limited 10-K and 10-Q filings on SEC EDGAR (CIK 0001948443) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for RAY as of ; valuations recomputed .

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