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International Business Settlement Holdings Limited (HK:0147)
:0147
Hong Kong Market

International Business Settlement Holdings Limited (0147) AI Stock Analysis

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HK:0147

International Business Settlement Holdings Limited

(0147)

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Neutral 41 (OpenAI - 4o)
Rating:41Neutral
Price Target:
HK$0.50
▲(177.78% Upside)
The overall stock score is primarily driven by the company's poor financial performance, characterized by significant losses and high leverage. Technical analysis provides a neutral outlook, while valuation metrics highlight unprofitability and lack of dividends. These factors collectively result in a low overall score.
Positive Factors
Revenue Growth
Strong revenue growth indicates increasing demand for the company's services, suggesting potential for long-term expansion and market penetration.
Business Model
A transaction fee-based model provides recurring revenue opportunities, enhancing financial stability and scalability as transaction volumes grow.
Strategic Partnerships
Strategic partnerships expand the company's customer base and service capabilities, potentially increasing transaction volumes and revenue streams.
Negative Factors
High Leverage
High leverage increases financial risk, potentially limiting the company's ability to invest in growth opportunities and manage economic downturns.
Profitability Challenges
Persistent profitability issues indicate operational inefficiencies and high costs, which could hinder long-term financial sustainability and shareholder value.
Cash Flow Issues
Poor cash generation limits the company's ability to fund operations and growth initiatives, posing a risk to its financial health and operational flexibility.

International Business Settlement Holdings Limited (0147) vs. iShares MSCI Hong Kong ETF (EWH)

International Business Settlement Holdings Limited Business Overview & Revenue Model

Company DescriptionInternational Business Settlement Holdings Limited, an investment holding company, engages in the property development business primarily in the People's Republic of China. The company operates through Property Development, Hotel Business, International Business Settlement, Financing Business, Leasing And Trading Of Computer Equipment Business, and Contact Lens Business segments. It develops and sells commercial and residential properties; and undertakes land development activities for car parking spaces. The company also provides settlement and clearing services for commercial and individual customers with the electronic money institution license; and hotel development and management services, as well as manufactures and sells disposable contact lens. In addition, it is involved in the provision of money lending, finance leasing, factoring, and other related services; and encrypted distributed storage space through leasing of servers and trading of computer equipment, as well as consultancy and goods trading activities. The company was formerly known as Chaoyue Group Limited and changed its name to International Business Settlement Holdings Limited in December 2016. The company is headquartered in Causeway Bay, Hong Kong. International Business Settlement Holdings Limited is a subsidiary of Long Grand Limited.
How the Company Makes MoneyThe company generates revenue through various streams, primarily from transaction fees associated with its payment processing services, trade finance solutions, and advisory services for international trade. The revenue model is heavily reliant on the volume of transactions processed and the fees charged for each service. Additionally, International Business Settlement Holdings Limited may establish partnerships with banks and financial institutions to enhance its service offerings, thus creating new revenue opportunities through joint ventures or referral agreements. The company also benefits from market trends such as globalization and the increasing demand for efficient cross-border trade solutions.

International Business Settlement Holdings Limited Financial Statement Overview

Summary
The company faces significant financial challenges, with high revenue growth overshadowed by substantial losses and operational inefficiencies. The balance sheet is heavily leveraged, increasing financial risk, while cash flow metrics indicate poor cash generation and sustainability issues.
Income Statement
25
Negative
The company has experienced significant revenue growth of 74.24% in the latest year, which is a positive indicator. However, the profitability metrics are concerning, with a negative gross profit margin of -16.77% and a net profit margin of -122.85%, indicating substantial losses. The EBIT and EBITDA margins are also negative, reflecting operational inefficiencies and high costs relative to revenue.
Balance Sheet
30
Negative
The balance sheet shows a high debt-to-equity ratio of 1.76, indicating significant leverage and potential financial risk. The return on equity is negative at -75.50%, suggesting that the company is not generating sufficient returns on shareholders' equity. The equity ratio is not directly provided, but the high leverage and negative ROE highlight financial instability.
Cash Flow
20
Very Negative
The cash flow statement reveals a drastic decline in free cash flow growth of -97.74%, indicating cash flow challenges. The operating cash flow to net income ratio is very low at 0.0001, suggesting poor cash generation relative to net income. The free cash flow to net income ratio is 1.0, which is neutral but does not offset the overall weak cash flow performance.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue186.19M186.19M173.69M865.70M304.42M85.52M
Gross Profit-31.23M-31.23M36.52M250.53M17.75M21.20M
EBITDA-176.62M-206.51M116.18M144.65M-114.08M-126.93M
Net Income-228.75M-228.75M-59.67M-72.72M-119.14M-132.28M
Balance Sheet
Total Assets1.55B1.55B1.97B2.38B3.16B3.36B
Cash, Cash Equivalents and Short-Term Investments315.41M315.41M334.52M269.69M522.87M633.06M
Total Debt534.39M534.39M591.48M830.50M846.43M801.99M
Total Liabilities1.38B1.38B1.39B1.76B2.44B2.52B
Stockholders Equity302.98M302.98M530.85M589.65M673.46M774.33M
Cash Flow
Free Cash Flow7.11M191.00K-104.08M-284.13M-158.17M-119.18M
Operating Cash Flow7.11M191.00K-24.58M18.10M-55.61M3.34M
Investing Cash Flow-22.12M-8.74M-97.41M-302.14M-95.16M-121.30M
Financing Cash Flow-9.56M-9.91M175.36M31.88M22.62M33.12M

International Business Settlement Holdings Limited Technical Analysis

Technical Analysis Sentiment
Negative
Last Price0.18
Price Trends
50DMA
0.24
Negative
100DMA
0.27
Negative
200DMA
0.17
Positive
Market Momentum
MACD
-0.02
Positive
RSI
37.41
Neutral
STOCH
20.90
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:0147, the sentiment is Negative. The current price of 0.18 is below the 20-day moving average (MA) of 0.21, below the 50-day MA of 0.24, and above the 200-day MA of 0.17, indicating a neutral trend. The MACD of -0.02 indicates Positive momentum. The RSI at 37.41 is Neutral, neither overbought nor oversold. The STOCH value of 20.90 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:0147.

International Business Settlement Holdings Limited Peers Comparison

Overall Rating
UnderperformOutperform
Sector (65)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
65
Neutral
$2.17B12.193.79%4.94%3.15%1.96%
64
Neutral
HK$4.08B65.8238.47%-26.27%-54.61%
58
Neutral
HK$783.21M-0.79-16.32%3.70%-11.00%-676.27%
52
Neutral
HK$1.53B-2.58-4.51%23.54%-204.92%
51
Neutral
HK$677.20M-0.79-7.88%3.09%46.99%-598.31%
41
Neutral
HK$4.25B-14.72-42.03%
* Real Estate Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
HK:0147
International Business Settlement Holdings Limited
0.18
0.09
100.00%
HK:0131
Cheuk Nang (Holdings) Limited
1.15
-0.48
-29.36%
HK:0160
Hon Kwok Land Investment Co., Ltd.
0.95
-0.12
-11.21%
HK:0563
Shanghai Industrial Urban Development Group Ltd
0.32
-0.06
-15.79%
HK:8030
Flying Financial Service Holdings Limited
11.73
10.74
1084.85%

International Business Settlement Holdings Limited Corporate Events

International Business Settlement Holdings Expands IC Chip Market Presence
Dec 5, 2025

International Business Settlement Holdings Limited announced a significant development with a new computer chip sales agreement with HK Australis Tech Limited, a subsidiary of Shenzhen Nanji Optoelectronics Technology Co., Ltd. The agreement involves the supply of 1,610,000 IC chips valued at approximately US$19.95 million, marking a strategic expansion of the company’s product portfolio in the IC chip market, which is expected to bolster its business operations and potentially increase shareholder value.

International Business Settlement Holdings Reports Significant Interim Loss
Nov 28, 2025

International Business Settlement Holdings Limited reported its interim results for the six months ending September 30, 2025, revealing a significant decline in revenue from HK$106,862,000 in 2024 to HK$38,396,000 in 2025. The company faced a substantial loss before taxation of HK$113,364,000, compared to a loss of HK$54,427,000 in the previous year, largely due to increased administrative expenses and impairment losses. This financial downturn indicates challenges in the company’s operational efficiency and market positioning, potentially impacting stakeholders’ confidence.

International Business Settlement Holdings Issues Profit Warning Amid Filecoin Price Decline
Nov 21, 2025

International Business Settlement Holdings Limited has issued a profit warning, indicating a significant decline in its financial performance for the six months ended 30 September 2025. The company expects a 64% decrease in turnover and a 72% increase in net loss compared to the same period in 2024, primarily due to the lack of revenue from its computer equipment leasing business, which has been adversely affected by the prolonged decline in Filecoin prices. This situation has resulted in idle equipment and no revenue contribution for the period, highlighting the company’s vulnerability to cryptocurrency market fluctuations.

International Business Settlement Holdings to Announce Interim Results
Nov 18, 2025

International Business Settlement Holdings Limited has announced that its board of directors will meet on November 28, 2025, to approve the interim results for the six months ending September 30, 2025, and to consider the payment of an interim dividend. This meeting is significant as it will provide insights into the company’s financial performance and potential shareholder returns, impacting its market positioning and stakeholder interests.

International Business Settlement Holdings Expands in Digital Currency Market with Strategic Cloud Mining and Bitcoin Transactions
Nov 10, 2025

International Business Settlement Holdings Limited has announced a strategic cooperation with Sharpening Technology to procure cloud mining services valued at up to US$100 million. This agreement includes an initial contract for 1 EH/s cloud mining services worth US$15 million in Bitcoins. Additionally, the company disclosed significant Bitcoin transactions, acquiring approximately 247.8694 units and disposing of 146.7 units as part of its operational strategy. These transactions are considered discloseable under the Listing Rules, reflecting the company’s active engagement in the digital currency market.

International Business Settlement Holdings Limited Plans Strategic Bitcoin Acquisitions
Oct 31, 2025

International Business Settlement Holdings Limited has announced a strategic plan to acquire additional Bitcoins, with a potential investment of up to HK$200 million, as part of its treasury management strategy. This move aims to diversify the company’s holdings and leverage the liquidity and potential capital appreciation of Bitcoin, enhancing shareholder value and supporting its cryptocurrency-related business operations.

International Business Settlement Holdings Eyes Bitcoin Mining Expansion with Potential Acquisition
Oct 22, 2025

International Business Settlement Holdings Limited announced a non-legally binding letter of intent through its joint venture, Keen Golden Limited, to potentially acquire SAI US INC, a Bitcoin mining data center in the United States. This acquisition aligns with the company’s strategy to expand its Bitcoin mining capabilities, optimizing operations and increasing competitiveness in the Fintech industry, which could create long-term value for shareholders.

International Business Settlement Holdings Enhances Cryptocurrency Operations with New Acquisitions
Oct 17, 2025

International Business Settlement Holdings Limited has announced the completion of transactions involving the purchase of supercomputing servers and Bitcoins. The company has settled a US$10 million purchase price through a Bitcoin pledge, with the transactions finalized in September 2025. This strategic move is expected to bolster the company’s operations in the cryptocurrency sector by enhancing its mining capabilities and financial strategies. The use of Bitcoin for settlement reflects the company’s innovative approach to leveraging digital currencies, potentially impacting its market positioning and offering new opportunities for stakeholders.

International Business Settlement Holdings Plans Further Bitcoin Acquisitions
Oct 16, 2025

International Business Settlement Holdings Limited has announced plans for further acquisitions of Bitcoin as part of its strategy to invest in cryptocurrencies. The company intends to spend up to HK$200 million on these acquisitions, which will be conducted through Matrixport, a regulated trading platform. This move is seen as a strategic effort to strengthen its position in the fintech industry and capitalize on the growing importance of digital currencies.

International Business Settlement Holdings Limited Grants 2 Billion Share Options
Oct 15, 2025

International Business Settlement Holdings Limited announced the grant of 2 billion share options under its 2023 Share Option Scheme. This move, aimed at rewarding and incentivizing its directors and employees, represents approximately 8.66% of the company’s total shares in issue. The options, which have no performance targets, are priced at HK$0.274 per share and are exercisable over a ten-year period, starting from the first anniversary of the grant date. This strategic decision is expected to enhance employee motivation and align with the company’s long-term growth objectives.

International Business Settlement Holdings Completes Major Share Subscription
Sep 30, 2025

International Business Settlement Holdings Limited has completed a subscription agreement, issuing 2,782,330,000 new shares at HK$0.18 each, raising approximately HK$500.3 million. The proceeds will primarily be used for investment in a joint venture and other cryptocurrency-related businesses, including purchasing supercomputer servers and hosting services, with the funds expected to be fully utilized by September 2026. This move alters the company’s shareholding structure, with the new shares representing approximately 12.04% of the enlarged share capital.

International Business Settlement Holdings Acquires Bitcoin to Boost Cryptocurrency Strategy
Sep 25, 2025

International Business Settlement Holdings Limited, through its 70%-owned joint venture Keen Golden, has announced the acquisition of 105.88972 units of Bitcoin for US$12.0 million. The transaction, conducted on a regulated trading platform, is part of the company’s broader cryptocurrency-related business strategy, including previous acquisitions of supercomputing servers. This move is seen as a strategic investment to enhance the company’s position in the digital currency market, leveraging internal resources for the purchase.

International Business Settlement Holdings Expands Cryptocurrency Operations with Major Server Purchase
Sep 19, 2025

International Business Settlement Holdings Limited announced the purchase of 1863 units of HASH supercomputing servers for cryptocurrency mining at approximately US$10.9 million. This transaction, considered discloseable under Hong Kong’s Listing Rules, is expected to be settled through a Bitcoin pledge, reflecting the company’s strategic focus on expanding its cryptocurrency operations.

International Business Settlement Holdings Limited Successfully Passes All Resolutions at AGM
Sep 15, 2025

International Business Settlement Holdings Limited announced that all proposed ordinary resolutions were passed at its Annual General Meeting held on 15 September 2025. Key resolutions included the adoption of financial statements, re-election of directors, re-appointment of auditors, and granting mandates to issue and repurchase shares. The successful passing of these resolutions reflects strong shareholder support and positions the company for continued operational stability and strategic flexibility.

International Business Settlement Holdings Expands into Cryptocurrency Mining
Sep 11, 2025

International Business Settlement Holdings Limited has announced the formation of a joint venture to expand its cryptocurrency-related business, specifically through Bitcoin mining. The joint venture plans to purchase supercomputing servers from a leading global supplier and will manage operations with a team of experts. This move aligns with the company’s strategy to capitalize on the growing Fintech industry and digital asset ecosystem, supported by the Hong Kong Government’s policies.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Oct 24, 2025