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2003 Stock Chart & Stats
HK$2.54
HK$0.06(2.35%)
At close: 4:00 PM EST
HK$2.54
HK$0.06(2.35%)
Day’s Range― - ―
52-Week RangeHK$0.83 - HK$3.79
Previous CloseN/A
Volume518.60K
Average Volume (3M)112.03K
Market Cap
HK$437.49M
Enterprise ValueHK$1.38B
Total Cash (Recent Filing)HK$2.09B
Total Debt (Recent Filing)HK$3.06B
Price to Earnings (P/E)―
Beta0.30
Next Earnings
Aug 26, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield27.47%
Share Statistics
EPS (TTM)-1.15
Shares Outstanding489,459,780
10 Day Avg. Volume67,879
30 Day Avg. Volume112,026
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.28
Price to Sales (P/S)0.57
P/FCF Ratio0.43
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Improved LeverageReported 2025 debt-to-equity near 0.77 reflects a materially improved capital structure versus prior years. For a credit services firm this reduces near-term solvency and refinancing risk, improving funding flexibility and the ability to support originations or absorb credit shocks over coming quarters.
Strong 2025 Cash GenerationRobust operating and free cash flow in 2025 demonstrates the company's capacity to generate internal funds for operations and liquidity needs. Persistent positive cash generation supports reinvestment, servicing obligations and dividend optionality, strengthening financial resilience if sustained beyond a single year.
Revenue ReboundA 30% revenue rebound in 2025 indicates recovering demand and potential scale benefits for a credit services franchise. Higher top-line traction can support long-term margin recovery if cost discipline and credit performance stabilize, providing a foundation for restoring profitability over multiple quarters.
Bears Say
Profitability CollapseThe swing to a substantial net loss and negative operating profitability in 2025 evidences material pressure on the core business economics. For a lender, persistent losses erode capital, limit reinvestment and raise the risk that revenue gains will not translate into durable earnings without structural cost or credit improvements.
Eroding EquityDeclining shareholders' equity signals capital erosion from operating losses, reducing the cushion to absorb credit or market shocks. A smaller equity base constrains lending capacity and strategic flexibility, potentially forcing capital raises or balance-sheet deleveraging that impair growth over the medium term.
Volatile Cash FlowsHistoric swings in operating and free cash flow undermine predictability of funding for originations and capital needs. Inconsistency suggests results can be timing- or working-capital-driven, increasing the risk that 2025's strong cash generation may not repeat, complicating planning and capital allocation decisions.
VCREDIT Holdings Limited News
2003 FAQ
What was VCREDIT Holdings Limited’s price range in the past 12 months?
VCREDIT Holdings Limited lowest stock price was HK$0.83 and its highest was HK$3.79 in the past 12 months.
What is VCREDIT Holdings Limited’s market cap?
VCREDIT Holdings Limited’s market cap is HK$437.49M.
When is VCREDIT Holdings Limited’s upcoming earnings report date?
VCREDIT Holdings Limited’s upcoming earnings report date is Aug 26, 2026 which is in 33 days.
How were VCREDIT Holdings Limited’s earnings last quarter?
VCREDIT Holdings Limited released its earnings results on Mar 31, 2026. The company reported -HK$1.749 earnings per share for the quarter, missing the consensus estimate of N/A by -HK$1.749.
Is VCREDIT Holdings Limited overvalued?
According to Wall Street analysts VCREDIT Holdings Limited’s price is currently Overvalued.
Does VCREDIT Holdings Limited pay dividends?
VCREDIT Holdings Limited pays a Quarterly dividend of HK$0.05 which represents an annual dividend yield of 27.47%. See more information on VCREDIT Holdings Limited dividends here
What is VCREDIT Holdings Limited’s EPS estimate?
VCREDIT Holdings Limited’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does VCREDIT Holdings Limited have?
VCREDIT Holdings Limited has 489,459,780 shares outstanding.
What happened to VCREDIT Holdings Limited’s price movement after its last earnings report?
VCREDIT Holdings Limited reported an EPS of -HK$1.749 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went down -3.125%.
Which hedge fund is a major shareholder of VCREDIT Holdings Limited?
Currently, no hedge funds are holding shares in HK:2003
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
VCREDIT Holdings Limited Stock Smart Score
Underperform
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Negative
20 days / 200 days
Momentum
59.29%
12-Months-Change
Fundamentals
Return on Equity
27.47%
Trailing 12-Months
Asset Growth
-16.60%
Trailing 12-Months
Company Description
VCREDIT Holdings Limited
VCREDIT Holdings Limited functions as an investment holding company, specializing in providing consumer financial services to prime and near-prime borrowers throughout China. Its product portfolio encompasses credit card balance transfers and various consumption credit options. The company also delivers a range of other services, including loan facilitation, guarantee provisions, micro-lending, financial leasing, and technology solutions. Founded in 2006, the firm was originally named Vision Capital Group Limited before changing to VCREDIT Holdings Limited. Its headquarters are situated in Admiralty, Hong Kong.
Technical Analysis
51 Credit Card Inc.
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AEON Credit Service (Asia) Co., Ltd.
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Quanzhou Huixin Micro-credit Co., Ltd. Class H
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Global International Credit Group Ltd.
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Zuoli Kechuang Micro-finance Co. Ltd. Class H
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