Min Xin Holdings Limited (0222) AI Stock Analysis

• Market Cap: HK$2.08B
• Dividend Yield: 2.58%
• Average Volume (3M): 111.60K
• Price to Earnings (P/E): 17.5
• Beta (1Y): 0.56
• Revenue Growth: 5.55%
• EPS Growth: N/A
• Country: HK
• Employees: 70
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Property & Casualty
• EPS (TTM): 0.11
• Shares Outstanding: 597,257,260
• 10 Day Avg. Volume: 254,200
• 30 Day Avg. Volume: 111,600
• PEG Ratio: 0.12
• Price to Book (P/B): 0.18
• Price to Sales (P/S): 5.81
• P/FCF Ratio: -52.84
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 69 Neutral
• Price Target: HK$4.00 ▲(14.61% Upside)

The overall stock score of 69 reflects a stable financial position with strong equity and low debt, but profitability challenges due to declining margins and negative cash flow ratios. Technical analysis indicates positive momentum, and the valuation is fair with a reasonable P/E ratio and moderate dividend yield.

Positive Factors

Strong Equity Position

A low debt-to-equity ratio indicates reduced financial risk, providing a stable foundation for future growth and resilience against market fluctuations.

Revenue Growth

Consistent revenue growth reflects successful business operations and market expansion, enhancing long-term competitive positioning.

High Gross Profit Margin

A high gross profit margin indicates strong pricing power and cost management, supporting sustainable profitability in the insurance sector.

Negative Factors

Profitability Challenges

Decreasing EBIT margins suggest rising costs or inefficiencies, which could impact long-term profitability if not addressed.

Negative Cash Flow Ratios

Negative cash flow ratios indicate potential cash management issues, which could constrain the company's ability to invest in growth opportunities.

Low Return on Equity

Low return on equity suggests inefficiencies in generating returns for shareholders, which may affect investor confidence and capital raising capabilities.

Min Xin Holdings Limited Business Overview & Revenue Model

Company Description

Min Xin Holdings Limited, an investment holding company, primarily engages in the financial services, general insurance, property investment, and strategic investment business in Hong Kong, Mainland China, and Macau. It is also involved in the banking business, as well as provides micro credit and entrusted loans; and leasing of office space. The company was incorporated in 1980 and is based in Central, Hong Kong. Min Xin Holdings Limited is a subsidiary of Fujian Investment & Development Group Co.,Ltd.

How the Company Makes Money

Min Xin Holdings Limited generates revenue through multiple channels. The primary revenue stream comes from its securities trading operations, where the company earns commissions and spreads from buying and selling financial instruments. Additionally, the asset management segment contributes to revenue through management fees and performance fees associated with funds under management. The financial advisory services offered by the company also play a significant role in revenue generation, as Min Xin provides consultancy services and receives advisory fees for facilitating transactions and strategic planning for clients. Furthermore, partnerships with other financial institutions and investment firms enhance its market reach and operational capabilities, contributing positively to its overall earnings.

Min Xin Holdings Limited Financial Statement Overview

Summary

Min Xin Holdings Limited shows a stable financial position with strong equity and low debt, but faces profitability challenges as indicated by declining margins and negative cash flow ratios. Continued focus on improving operational efficiency and cash flow management will be crucial for future growth.

Income Statement

The income statement shows moderate performance with positive revenue growth of 15.78% from 2023 to 2024, indicating an improvement in business operations. The gross profit margin remains high at 100% due to the nature of the insurance industry. However, the net profit margin of 32.68% and declining EBIT margin from 4.72% in 2023 to 3.06% in 2024 highlight potential inefficiencies or increased costs affecting profitability.

Balance Sheet

The balance sheet is strong with a low debt-to-equity ratio of 0.10, indicating low financial leverage and thus reduced financial risk. The equity ratio is robust at 87.67%, showing a solid foundation of assets funded by equity. Return on equity is relatively low at 1.12%, suggesting room for improvement in generating returns for shareholders.

Cash Flow

Cash flow statements reflect challenges with negative free cash flow in both 2023 and 2024. Operating cash flow to net income ratio is negative, indicating potential cash management issues. Free cash flow to net income ratio is negative as well, suggesting the company struggles to translate earnings into cash flow.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	263.82M	236.41M	244.27M	263.32M	232.85M	164.70M
Gross Profit	263.82M	65.77M	244.27M	263.32M	100.64M	62.53M
EBITDA	45.85M	141.86M	73.28M	19.72M	523.68M	39.58M
Net Income	119.27M	87.70M	39.41M	456.97M	495.93M	436.06M
Balance Sheet
Total Assets	9.34B	8.92B	9.18B	9.17B	9.67B	8.41B
Cash, Cash Equivalents and Short-Term Investments	1.28B	1.12B	1.04B	236.26M	466.99M	875.53M
Total Debt	849.30M	838.66M	856.16M	693.43M	598.36M	521.59M
Total Liabilities	1.13B	1.10B	1.12B	907.47M	958.67M	807.77M
Stockholders Equity	8.22B	7.82B	8.07B	8.26B	8.71B	7.60B
Cash Flow
Free Cash Flow	51.59M	-26.00M	-17.25M	41.97M	27.39M	11.38M
Operating Cash Flow	51.78M	-24.71M	-16.00M	43.45M	28.36M	12.04M
Investing Cash Flow	-260.84M	265.68M	108.86M	-21.82M	-146.69M	-93.65M
Financing Cash Flow	184.51M	-74.15M	90.35M	-225.01M	258.78M	1.68M

Min Xin Holdings Limited Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3.49
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:0222, the sentiment is Positive. The current price of 3.49 is above the 20-day moving average (MA) of 3.47, above the 50-day MA of 3.31, and above the 200-day MA of 2.66, indicating a bullish trend. The MACD of 0.04 indicates Positive momentum. The RSI at 57.97 is Neutral, neither overbought nor oversold. The STOCH value of 75.30 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:0222.

Min Xin Holdings Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
1669	71 Outperform	HK$352.00M	7.19	5.24%	5.25%	-1.47%	2.86%
0222	69 Neutral	HK$2.08B	17.48	1.52%	2.58%	5.55%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
6058	64 Neutral	HK$1.90B	25.00	2.32%	2.11%	20.05%	16.56%
0279	46 Neutral	HK$814.42M	-15.53	-499.08%	―	191.15%	-1.98%
0952	45 Neutral	HK$897.30M	-10.98	-4.03%	―	173.24%	-515.63%
0993	39 Underperform	HK$1.47B	-1.36	―	―	-78.40%	-196.19%

Min Xin Holdings Limited Corporate Events

Min Xin Holdings Limited Reports Strong Interim Financial Results for 2025

Min Xin Holdings Limited reported a significant increase in profit attributable to shareholders, reaching HK$64.87 million, a 94.9% rise compared to the previous year. The company’s total assets and equity also saw growth, indicating a strong financial performance for the first half of 2025, which could positively impact its market position and stakeholder confidence.

The most recent analyst rating on (HK:0222) stock is a Hold with a HK$3.50 price target. To see the full list of analyst forecasts on Min Xin Holdings Limited stock, see the HK:0222 Stock Forecast page.