China Vered Financial Holding Corporation Limited (0245) AI Stock Analysis

• Market Cap: HK$1.99B
• Dividend Yield: N/A
• Average Volume (3M): 1.03M
• Price to Earnings (P/E): 1.9
• Beta (1Y): 0.03
• Revenue Growth: 56.35%
• EPS Growth: N/A
• Country: HK
• Employees: 48
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 0.40
• Shares Outstanding: 1,859,098,000
• 10 Day Avg. Volume: 995,953
• 30 Day Avg. Volume: 1,025,970
• PEG Ratio: >-0.01
• Price to Book (P/B): 0.35
• Price to Sales (P/S): 2.85
• P/FCF Ratio: -6.72
• 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: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 56 Neutral
• Price Target: HK$1.00 ▼(-7.41% Downside)

The overall stock score reflects significant challenges in financial performance, particularly in profitability and cash flow stability. Technical analysis suggests a neutral to slightly bearish outlook, while the low P/E ratio indicates potential undervaluation. The absence of earnings call data and corporate events limits additional insights.

Positive Factors

Low Leverage

Low leverage indicates financial stability and provides the company with the flexibility to manage its finances without significant debt-related pressures.

Revenue Diversification

Diversified revenue streams reduce dependency on a single income source, enhancing resilience against market fluctuations and supporting long-term growth.

Strategic Partnerships

Strategic partnerships expand the company's client base and service capabilities, potentially driving sustained growth and competitive advantage.

Negative Factors

Profitability Challenges

Inconsistent profitability and margin volatility can hinder the company's ability to reinvest in growth opportunities and maintain competitive positioning.

Cash Flow Volatility

Volatile cash flows raise concerns about the company's ability to fund operations and invest in future growth, impacting long-term sustainability.

Operational Inefficiencies

Operational inefficiencies reflected in unstable margins can lead to higher costs and reduced profitability, affecting long-term business health.

China Vered Financial Holding Corporation Limited Business Overview & Revenue Model

Company Description

China Vered Financial Holding Corporation Limited, an investment holding company, provides asset management, consultancy, financing, and securities advisory and brokerage services. It also provides insurance agency and money lending services. The company was formerly known as China Minsheng Financial Holding Corporation Limited and changed its name to China Vered Financial Holding Corporation Limited in July 2020. China Vered Financial Holding Corporation Limited was incorporated in 1972 and is based in Causeway Bay, Hong Kong.

How the Company Makes Money

China Vered Financial Holding Corporation Limited generates revenue through multiple streams, including management fees from asset management and advisory services, transaction fees from investment activities, and commissions from financial product sales. The company may also engage in proprietary trading, generating additional income from market activities. Significant partnerships with financial institutions and investment firms enhance its service offerings and broaden its client base, contributing to its overall earnings. Additionally, the firm may benefit from strategic investments in high-growth sectors, allowing it to capitalize on market opportunities and increase profitability.

China Vered Financial Holding Corporation Limited Financial Statement Overview

Summary

The company exhibits a mixed financial picture with significant challenges in profitability and revenue consistency. The income statement shows instability in margins and revenue growth, while the balance sheet indicates moderate stability with low leverage. Cash flow volatility raises concerns about operational sustainability.

Income Statement

The income statement reveals significant challenges. The gross profit margin has seen fluctuations with a notable negative value in 2024, indicating issues in cost management or revenue generation. The net profit margin has been volatile, with instances of significant losses in recent years. Revenue growth is inconsistent, with both increases and decreases observed year-over-year. Margins such as EBIT and EBITDA have also shown instability, reflecting operational inefficiencies and profit challenges.

Balance Sheet

The balance sheet displays moderate stability. The debt-to-equity ratio remains low, suggesting limited leverage, which is a positive aspect. However, the return on equity has been negative at times, indicating inefficiencies in generating profits from shareholders' equity. The equity ratio shows strong equity backing relative to assets, highlighting financial stability despite inconsistent profitability.

Cash Flow

Cash flow analysis indicates volatility and concerns. The free cash flow has been erratic, with significant negative values, raising red flags about the company's ability to generate cash from operations. The operating cash flow to net income ratio varies widely, pointing to inconsistencies in cash generation relative to accounting profits. The company needs to stabilize its cash flows to ensure sustainable operations.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	137.19M	536.01M	114.39M	243.76M	302.54M	318.33M
Gross Profit	505.08M	536.01M	112.49M	142.22M	243.72M	135.60M
EBITDA	1.31B	285.82M	11.48M	-563.48M	145.41M	492.41M
Net Income	986.49M	222.82M	-24.83M	-623.26M	71.19M	323.45M
Balance Sheet
Total Assets	5.59B	4.73B	4.32B	4.46B	5.47B	6.19B
Cash, Cash Equivalents and Short-Term Investments	3.15B	1.20B	692.05M	1.61B	2.29B	2.29B
Total Debt	10.05M	10.89M	30.26M	11.35M	175.14M	541.04M
Total Liabilities	447.28M	344.66M	329.54M	309.05M	527.10M	898.42M
Stockholders Equity	5.13B	4.38B	3.98B	4.15B	4.93B	5.55B
Cash Flow
Free Cash Flow	-129.12M	-226.92M	-313.23M	392.10M	520.91M	-1.50B
Operating Cash Flow	-120.74M	-218.53M	-313.12M	392.20M	521.91M	-1.49B
Investing Cash Flow	-8.10M	-8.11M	-27.02M	-18.32M	-205.00K	-10.67M
Financing Cash Flow	242.00K	-29.02M	17.92M	-177.10M	-357.27M	-11.13M

China Vered Financial Holding Corporation Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1.08
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:0245, the sentiment is Negative. The current price of 1.08 is above the 20-day moving average (MA) of 1.08, below the 50-day MA of 1.10, and below the 200-day MA of 1.11, indicating a bearish trend. The MACD of -0.01 indicates Positive momentum. The RSI at 45.59 is Neutral, neither overbought nor oversold. The STOCH value of 54.63 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:0245.

China Vered Financial Holding Corporation Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
0245	56 Neutral	HK$1.99B	1.94	22.46%	―	56.35%	―
1697	55 Neutral	HK$1.68B	11.34	1.22%	―	-31.46%	-10.06%
1140	48 Neutral	HK$2.28B	18.57	1.12%	―	-7.70%	101.92%
1226	47 Neutral	HK$288.82M	1.91	65.83%	―	35.11%	―
2312	45 Neutral	HK$462.07M	45.08	11.27%	―	99.09%	―

China Vered Financial Holding Corporation Limited Corporate Events

China Vered Tightens Governance With Updated Nomination Committee Mandate

China Vered Financial Holding Corporation Limited has updated the terms of reference for its Nomination Committee, effective 19 December 2025, setting out a minimum of three members with a requirement for gender diversity and a majority of independent non-executive directors, and stipulating that the committee chair must be either the board chairman or an independent non-executive director. The revised framework formalizes the committee’s responsibilities in reviewing board structure and composition, identifying and recommending qualified director candidates, assessing director independence, overseeing board and workforce diversity policies, and supporting succession planning and board performance evaluations, reinforcing the company’s governance standards and alignment of board capabilities with its long-term corporate strategy.

The most recent analyst rating on (HK:0245) stock is a Hold with a HK$1.00 price target. To see the full list of analyst forecasts on China Vered Financial Holding Corporation Limited stock, see the HK:0245 Stock Forecast page.

China Vered Updates Remuneration Committee Mandate to Strengthen Pay Governance

China Vered Financial Holding Corporation Limited has updated the terms of reference for its Remuneration Committee, effective 19 December 2025, outlining a governance framework in which the committee must comprise at least three members, with a majority being independent non-executive directors and the chair also being independent. The revised document formalizes the committee’s mandate to design and oversee a fair, transparent and performance-based remuneration structure for directors and senior management, including setting pay packages, reviewing compensation on termination or dismissal, and benchmarking against comparable companies and group-wide employment conditions, thereby strengthening remuneration governance and alignment with the company’s strategic objectives and shareholders’ interests.

The most recent analyst rating on (HK:0245) stock is a Hold with a HK$1.00 price target. To see the full list of analyst forecasts on China Vered Financial Holding Corporation Limited stock, see the HK:0245 Stock Forecast page.

China Vered Financial Holding Tightens Audit Committee Mandate and Expands ESG Oversight

China Vered Financial Holding Corporation Limited has updated the terms of reference of its Audit Committee, effective 19 December 2025, to strengthen governance over financial reporting, audit oversight and ESG-related matters. The revised framework mandates that the Audit Committee comprise solely non-executive directors with a majority being independent, sets professional qualification requirements for at least one member, restricts former partners of the existing auditor from joining for two years, and formalises detailed procedures for meetings, decision-making and record-keeping. The committee’s objectives now explicitly include overseeing the integrity and effectiveness of the Group’s ESG strategy, disclosures and legal compliance, underscoring an increased emphasis on transparency, independence of external auditors and alignment with market expectations on corporate governance and sustainability reporting.

The most recent analyst rating on (HK:0245) stock is a Hold with a HK$1.00 price target. To see the full list of analyst forecasts on China Vered Financial Holding Corporation Limited stock, see the HK:0245 Stock Forecast page.