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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 43 (OpenAI - 5.2)
Rating:43Neutral
Price Target:
HK$0.18
▲(0.00% Upside)
The score is driven mainly by weak financial quality: large losses, high leverage, and sharply deteriorating free cash flow outweigh strong revenue growth. Technicals are mixed but lean weak with negative MACD and price below key moving averages. Valuation provides limited support because the company is loss-making and no dividend yield is available.
Positive Factors
Revenue Growth
The company has demonstrated significant revenue growth, indicating strong demand for its services and potential for market expansion.
Market Trends
The company's alignment with globalization trends positions it well to capitalize on the growing need for cross-border trade solutions.
Innovative Solutions
The company's emphasis on innovation in cross-border transactions enhances its competitive edge and service differentiation.
Negative Factors
High Leverage
High leverage increases financial risk and can limit the company's ability to invest in growth opportunities or weather economic downturns.
Negative Profitability
Negative profitability metrics highlight operational inefficiencies and may hinder long-term financial sustainability.
Weak Cash Flow
Weak cash flow generation limits the company's ability to fund operations and invest in future growth, posing a risk to financial health.

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
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
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
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
Positive
Last Price0.18
Price Trends
50DMA
0.22
Negative
100DMA
0.26
Negative
200DMA
0.18
Positive
Market Momentum
MACD
>-0.01
Negative
RSI
53.91
Neutral
STOCH
65.92
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:0147, the sentiment is Positive. The current price of 0.18 is below the 20-day moving average (MA) of 0.18, below the 50-day MA of 0.22, and above the 200-day MA of 0.18, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 53.91 is Neutral, neither overbought nor oversold. The STOCH value of 65.92 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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%
58
Neutral
HK$770.16M-0.81-16.32%3.70%-11.00%-676.27%
52
Neutral
HK$1.51B-2.54-4.51%23.54%-204.92%
51
Neutral
HK$684.41M-0.79-7.88%3.09%46.99%-598.31%
51
Neutral
HK$3.26B46.6338.47%-26.27%-54.61%
43
Neutral
HK$3.72B-14.96-42.03%
* Real Estate Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
HK:0147
International Business Settlement Holdings Limited
0.19
0.11
133.75%
HK:0131
Cheuk Nang (Holdings) Limited
1.23
-0.33
-21.15%
HK:0160
Hon Kwok Land Investment Co., Ltd.
0.95
-0.05
-5.00%
HK:0563
Shanghai Industrial Urban Development Group Ltd
0.32
-0.03
-10.00%
HK:8030
Flying Financial Service Holdings Limited
8.31
7.44
855.17%

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.

The most recent analyst rating on (HK:0147) stock is a Hold with a HK$0.50 price target. To see the full list of analyst forecasts on International Business Settlement Holdings Limited stock, see the HK:0147 Stock Forecast page.

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.

The most recent analyst rating on (HK:0147) stock is a Hold with a HK$0.50 price target. To see the full list of analyst forecasts on International Business Settlement Holdings Limited stock, see the HK:0147 Stock Forecast page.

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.

The most recent analyst rating on (HK:0147) stock is a Hold with a HK$0.50 price target. To see the full list of analyst forecasts on International Business Settlement Holdings Limited stock, see the HK:0147 Stock Forecast page.

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.

The most recent analyst rating on (HK:0147) stock is a Hold with a HK$0.50 price target. To see the full list of analyst forecasts on International Business Settlement Holdings Limited stock, see the HK:0147 Stock Forecast page.

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.

The most recent analyst rating on (HK:0147) stock is a Hold with a HK$0.50 price target. To see the full list of analyst forecasts on International Business Settlement Holdings Limited stock, see the HK:0147 Stock Forecast page.

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.

The most recent analyst rating on (HK:0147) stock is a Hold with a HK$0.50 price target. To see the full list of analyst forecasts on International Business Settlement Holdings Limited stock, see the HK:0147 Stock Forecast page.

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.

The most recent analyst rating on (HK:0147) stock is a Hold with a HK$0.50 price target. To see the full list of analyst forecasts on International Business Settlement Holdings Limited stock, see the HK:0147 Stock Forecast page.

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.

The most recent analyst rating on (HK:0147) stock is a Hold with a HK$0.50 price target. To see the full list of analyst forecasts on International Business Settlement Holdings Limited stock, see the HK:0147 Stock Forecast page.

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.

The most recent analyst rating on (HK:0147) stock is a Hold with a HK$0.50 price target. To see the full list of analyst forecasts on International Business Settlement Holdings Limited stock, see the HK:0147 Stock Forecast page.

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.

The most recent analyst rating on (HK:0147) stock is a Hold with a HK$0.50 price target. To see the full list of analyst forecasts on International Business Settlement Holdings Limited stock, see the HK:0147 Stock Forecast page.

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: Jan 13, 2026