Yunfeng Financial Group Limited (0376) AI Stock Analysis

• Market Cap: €15.95B
• Dividend Yield: N/A
• Average Volume (3M): 84.89M
• Price to Earnings (P/E): 20.1
• Beta (1Y): 1.45
• Revenue Growth: 19.01%
• EPS Growth: 64.43%
• Country: HK
• Employees: 625
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Life
• EPS (TTM): 0.13
• Shares Outstanding: 4,059,291,700
• 10 Day Avg. Volume: 44,799,301
• 30 Day Avg. Volume: 84,886,400
• PEG Ratio: 0.43
• Price to Book (P/B): 0.38
• Price to Sales (P/S): 0.82
• P/FCF Ratio: 4.46
• 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: 51 Neutral
• Price Target: HK$3.50 ▲(6.06% Upside)

The overall stock score of 51 reflects a combination of mixed financial performance and bearish technical indicators. While the company shows improved profitability and a stable financial position, the stock is currently experiencing negative momentum. The valuation is reasonable, but the lack of a dividend yield may limit its appeal to certain investors.

Positive Factors

Profitability Improvement

The improvement in net profit margin indicates enhanced operational efficiency and better cost management, which strengthens long-term profitability.

Operational Cash Generation

Strong operational cash flow suggests the company can effectively convert profits into cash, supporting ongoing operations and strategic investments.

Stable Financial Position

A stable financial position with manageable leverage ensures financial flexibility and reduces risk, supporting long-term business sustainability.

Negative Factors

Inconsistent Revenue Growth

Fluctuating revenue trends highlight challenges in sustaining growth, which could impact long-term market competitiveness and profitability.

Decreased Free Cash Flow

Decreased free cash flow limits the company's ability to invest in growth opportunities and manage financial obligations, affecting long-term expansion.

Moderate Return on Equity

Moderate returns on equity investment suggest limited efficiency in generating profits from shareholder equity, potentially affecting investor confidence.

Yunfeng Financial Group Limited Business Overview & Revenue Model

Company Description

Yunfeng Financial Group Limited (0376) is a financial services company based in Hong Kong that operates primarily in the fintech sector. The company focuses on providing a range of financial solutions, including investment management, asset management, and advisory services. Yunfeng aims to leverage technology to enhance the efficiency and effectiveness of financial services, catering to both individual and institutional clients.

How the Company Makes Money

Yunfeng Financial Group generates revenue through various streams, including fees from asset management services, commissions from financial advisory services, and income from proprietary trading activities. The company may also earn revenue through partnerships with financial institutions and technology providers, which can enhance its service offerings and expand its client base. Additionally, the firm may generate income through performance fees linked to the success of its investment strategies and funds, as well as potential revenue from financial technology solutions it develops or licenses.

Yunfeng Financial Group Limited Financial Statement Overview

Summary

Yunfeng Financial Group Limited exhibits a mixed financial performance. The income statement shows improved profitability but fluctuating revenue trends. The balance sheet reflects a stable capital structure with manageable leverage, while the cash flow statement highlights strong operational cash generation despite lower free cash flow. The company is positioned for stability but faces challenges in sustaining consistent growth.

Income Statement

The company has demonstrated inconsistent revenue growth, with a notable decline of 13.8% from 2022 to 2023. However, it recovered some revenue by 2024. Net profit margin improved from 6.2% in 2023 to 12.7% in 2024, indicating better profitability. The EBIT margin also improved significantly in 2024, reflecting operational efficiency. Overall, the income statement shows mixed results with improvements in profitability but challenges in sustaining revenue growth.

Balance Sheet

The balance sheet indicates a relatively stable financial position with a debt-to-equity ratio of 0.29 in 2024, showing manageable leverage. The equity ratio is 10.9%, indicating moderate reliance on equity financing. However, the return on equity decreased from 3.6% in 2023 to 4.5% in 2024, showing improved but still moderate returns on equity investment. The company maintains a strong cash position, which adds a layer of financial stability.

Cash Flow

The cash flow statement shows a decline in free cash flow from 2023 to 2024, but the operating cash flow remains positive, indicating solid cash generation capability. The free cash flow to net income ratio is high at 1.91 in 2024, suggesting effective conversion of profits into cash. While there is a decrease in free cash flow, the company's ability to generate cash from operations remains strong.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	4.21B	4.87B	6.04B	2.61B	8.52B	7.30B
Gross Profit	4.21B	4.87B	5.02B	1.38B	9.88B	7.30B
EBITDA	1.50B	1.13B	1.23B	-245.57M	1.12B	1.12B
Net Income	756.28M	470.79M	397.16M	-642.74M	513.41M	618.32M
Balance Sheet
Total Assets	105.01B	96.04B	90.15B	101.40B	97.11B	86.21B
Cash, Cash Equivalents and Short-Term Investments	0.00	28.54B	29.73B	24.74B	4.01B	24.74B
Total Debt	3.03B	3.20B	3.25B	3.37B	3.50B	3.87B
Total Liabilities	88.84B	80.35B	73.74B	86.61B	77.22B	66.87B
Stockholders Equity	10.78B	10.43B	11.00B	11.01B	13.72B	13.38B
Cash Flow
Free Cash Flow	2.07B	899.29M	1.51B	4.68B	3.74B	2.57B
Operating Cash Flow	2.14B	989.51M	1.57B	4.77B	3.91B	2.73B
Investing Cash Flow	-258.48M	-61.22M	309.32M	-649.00M	-5.87B	-5.31B
Financing Cash Flow	-368.24M	-509.16M	-451.45M	-382.10M	2.15B	4.67B

Yunfeng Financial Group Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 3.30
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:0376, the sentiment is Negative. The current price of 3.3 is below the 20-day moving average (MA) of 3.49, below the 50-day MA of 4.26, and above the 200-day MA of 2.98, indicating a neutral trend. The MACD of -0.24 indicates Negative momentum. The RSI at 38.08 is Neutral, neither overbought nor oversold. The STOCH value of 20.13 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:0376.

Yunfeng Financial Group 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%
6058	64 Neutral	HK$1.84B	24.21	2.32%	2.11%	20.05%	16.56%
1428	54 Neutral	€14.87B	24.07	43.44%	4.38%	11.40%	11.52%
0376	51 Neutral	€15.95B	20.05	7.22%	―	19.01%	64.43%
0613	45 Neutral	€1.87B	1,772.73	>-0.01%	―	-27.12%	―
0993	39 Underperform	€1.43B	―	―	―	-78.40%	-196.19%
0139	39 Underperform	HK$497.56M	-2.96	-16.07%	―	110.52%	2.14%

Yunfeng Financial Group Limited Corporate Events

Yunfeng Financial Group to Hold EGM for Share Scheme Approvals

Yunfeng Financial Group Limited has announced an Extraordinary General Meeting (EGM) to be held electronically on December 18, 2025, to discuss and approve the 2025 Share Award Scheme and amendments to the 2022 Share Option Scheme. The 2025 Share Award Scheme aims to grant share awards to eligible participants, with a mandate limit of 10% of the total shares in issue as of the effective date. The proposed amendments to the 2022 Share Option Scheme are also set to be approved, allowing directors to make necessary transactions and agreements to implement these changes. These initiatives are expected to enhance the company’s equity incentive mechanisms and align stakeholders’ interests with long-term company performance.

Yunfeng Financial Group Announces Closure of Register for Upcoming Meeting

Yunfeng Financial Group Limited has announced the closure of its register of members from December 15 to December 18, 2025, to determine shareholders eligible to attend and vote at its upcoming extraordinary general meeting. This move is significant for shareholders as it outlines the necessary steps to participate in the meeting, potentially impacting their decision-making and involvement in the company’s governance.

Yunfeng Financial Ventures into Crypto Insurance with Anthea Investment

Yunfeng Financial Group Limited has announced a strategic investment in Anthea Global Crypto Life Insurance Company, marking a significant move into the crypto-based insurance sector. This collaboration aims to explore blockchain-based insurance solutions, enhancing compliance workflows and offering digital asset users innovative products like crypto life insurance and ETH/BTC-based savings plans. The partnership represents a pioneering effort to integrate blockchain technology into insurance operations, aligning with Yunfeng’s strategic vision to harness blockchain’s transformative potential in insurance innovation.

Yunfeng Financial Completes Share Placement and Subscription, Raises HK$1.15 Billion

Yunfeng Financial Group Limited has successfully completed the placement of 191.3 million existing shares and the subscription of new shares, raising approximately HK$1.15 billion in net proceeds. The funds will be used primarily for system upgrades and talent recruitment to support the launch of virtual asset trading services, with the remainder allocated for general working capital.

Yunfeng Financial Group Announces Share Placement and Subscription Plan

Yunfeng Financial Group Limited announced a strategic move involving the placing of existing shares and a top-up subscription of new shares under a general mandate. The Vendor has agreed to sell shares at HK$6.10 each, representing a discount and premium compared to recent trading prices. This transaction is expected to raise approximately HK$1.15 billion in net proceeds, which the company intends to use for strategic purposes. The completion of these transactions is contingent upon certain conditions being met, and if not fulfilled within 14 days, the agreement will become void.

Yunfeng Financial Expands into Virtual Asset Services

Yunfeng Financial Group Limited has announced that its subsidiary, Yunfeng Securities Limited, received approval from the Hong Kong Securities and Futures Commission to expand its Type 1 regulated activity license. This approval allows the company to offer virtual asset dealing services through an omnibus account arrangement with licensed platforms, marking a significant step in its strategy to integrate digital asset services and potentially enhancing its competitive position in the financial industry.