Yunfeng Financial Group Limited (0376) AI Stock Analysis

• Market Cap: HK$10.96B
• Dividend Yield: N/A
• Average Volume (3M): 84.89M
• Price to Earnings (P/E): 4.5
• Beta (1Y): 1.61
• 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: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 57 Neutral
• Price Target: HK$3.00 ▼(-13.29% Downside)
• Action: Reiterated Date: 01/15/26
• Date: Action: Reiterated 01/15/26

The score is driven primarily by mixed financial performance: improving profitability, manageable leverage, and solid operating cash generation are balanced by inconsistent revenue and lower free cash flow. Technicals provide a modest lift with generally supportive momentum, while valuation is broadly neutral with a moderate P/E and no dividend yield data.

Positive Factors

Improving Profitability

A jump in net margin to 12.7% signals durable improvement in core profitability and operational efficiency. Higher margins increase resilience to cyclical revenue swings, support reinvestment in business lines and product development, and strengthen the firm's ability to self-fund strategic initiatives over months.

Manageable Leverage and Cash Position

Low leverage (D/E ~0.29) combined with a strong cash position provides long-term financial flexibility. This structure reduces refinancing risk, supports capital allocation for growth or acquisitions, and helps the company absorb shocks without materially raising external financing costs over the medium term.

Strong Cash Conversion

High FCF-to-net-income (1.91) and positive operating cash flow indicate effective profit-to-cash conversion, a durable sign of cash-generative operations. Reliable cash generation sustains debt servicing, funds capex or M&A, and provides optionality for shareholder returns even if revenue growth is uneven.

Negative Factors

Inconsistent Revenue Trends

Material revenue volatility—sharp decline followed by partial recovery—erodes predictability for planning and scale. Persistently inconsistent top-line growth can limit operating leverage, complicate investment timing, and suggest dependence on episodic deals or market conditions rather than stable recurring revenue streams.

Declining Free Cash Flow

A decline in free cash flow year-over-year reduces discretionary funding available for strategic investments, dividends or debt reduction. Even with good conversion ratios, falling FCF can constrain long-term initiatives and leaves less cushion for adverse shocks or to capitalize on growth opportunities without raising external capital.

Modest Returns and Equity Base

ROE around 4.5% and a low equity ratio imply modest returns on shareholder capital and reliance on non-equity funding. Over the medium term this can limit value creation versus peers, constrain the company's ability to deliver attractive shareholder returns, and signal limited capital efficiency.

Yunfeng Financial Group Limited Business Overview & Revenue Model

Company Description

Yunfeng Financial Group Limited, an investment holding company, provides insurance products in Hong Kong and Macau. It operates in two segments, Insurance Products; and Other Financial Services and Corporate. The company provides life and medical insurance, annuities, pension, and mandatory provident fund schemes. It also provides fund and asset management services, as well as financing and investing solutions; and corporate advisory, and securities placing and underwriting advisory services. In addition, the company engages in the provision of employee stock ownership plan administration and principal investment. Further, it provides administrative, trustee, and general services; agency services to non-life insurers; marketing and promoting products, and public relations services; Internet and multimedia systems, and application development services; and technological development of computer software and hardware, technical consulting, technology services, and database and computer network services. The company was formerly known as REORIENT GROUP LIMITED and changed its name to Yunfeng Financial Group Limited in October 2016. The company was incorporated in 1982 and is based in Wanchai, Hong Kong. Yunfeng Financial Group Limited is a subsidiary of Yunfeng Financial Holdings Limited.

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

Mixed fundamentals: profitability improved in 2024 (net margin up to 12.7% and stronger EBIT margin), leverage appears manageable (debt-to-equity 0.29), and operating cash flow is positive with strong profit-to-cash conversion (FCF to net income 1.91). Offsetting these positives are inconsistent revenue trends (notable 2022–2023 decline) and lower free cash flow from 2023 to 2024.

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: 3.46
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 3.46 is above the 20-day moving average (MA) of 3.00, above the 50-day MA of 3.24, and below the 200-day MA of 3.52, indicating a bearish trend. The MACD of -0.16 indicates Positive momentum. The RSI at 33.55 is Neutral, neither overbought nor oversold. The STOCH value of 18.32 is Positive, 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$1.72B	7.06	2.32%	2.11%	20.05%	16.56%
0376	57 Neutral	HK$10.96B	4.53	7.22%	―	19.01%	64.43%
1428	55 Neutral	HK$12.10B	11.85	43.44%	4.01%	11.40%	11.52%
0613	46 Neutral	HK$1.47B	4.35	0.07%	―	-27.12%	―
0139	42 Neutral	HK$202.71M	-28.03	-16.53%	―	110.52%	2.14%
0993	39 Underperform	HK$1.09B	-3.94	21.05%	―	-78.40%	-196.19%

Yunfeng Financial Group Limited Corporate Events

YF Life, Subsidiary of Yunfeng Financial, Receives A3 Rating from Moody’s

Yunfeng Financial Group Limited announced that its non-wholly-owned subsidiary, YF Life Insurance International Limited, has received a first-time insurance financial strength rating of A3 with a stable outlook from Moody’s Ratings. The newly assigned rating underscores the financial strength and creditworthiness of YF Life, which could enhance market confidence in the insurer and support Yunfeng Financial Group’s positioning in the regional life insurance and financial services sector, though the company cautioned that the rating is provided for information only and should not be taken as investment advice.

The most recent analyst rating on (HK:0376) stock is a Hold with a HK$3.50 price target. To see the full list of analyst forecasts on Yunfeng Financial Group Limited stock, see the HK:0376 Stock Forecast page.

Yunfeng Financial Wins Strong Shareholder Backing for New Share Schemes and Mandate Changes

Yunfeng Financial Group Limited announced that shareholders overwhelmingly approved all ordinary resolutions at its extraordinary general meeting held on 18 December 2025, including the adoption of a new 2025 Share Award Scheme and amendments to the existing 2022 Share Option Scheme. Investors also backed the introduction of a service provider sublimit and a series of amendments related to the company’s share issue and buy-back mandates, reinforcing its flexibility in equity-based incentives and capital management and signalling strong shareholder support for the company’s remuneration structure and financing strategies.

The most recent analyst rating on (HK:0376) stock is a Hold with a HK$3.50 price target. To see the full list of analyst forecasts on Yunfeng Financial Group Limited stock, see the HK:0376 Stock Forecast page.

Yunfeng Financial’s YF Life Maintains Strong Rating

Yunfeng Financial Group Limited announced that Fitch (Hong Kong) Limited has affirmed the Insurer Financial Strength rating of its subsidiary, YF Life Insurance International Limited, at ‘A-‘ with a stable outlook. This affirmation reflects positively on the company’s financial stability and could enhance its reputation in the insurance market, potentially impacting stakeholders’ confidence positively.

The most recent analyst rating on (HK:0376) stock is a Hold with a HK$3.50 price target. To see the full list of analyst forecasts on Yunfeng Financial Group Limited stock, see the HK:0376 Stock Forecast page.

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.

The most recent analyst rating on (HK:0376) stock is a Hold with a HK$3.50 price target. To see the full list of analyst forecasts on Yunfeng Financial Group Limited stock, see the HK:0376 Stock Forecast page.

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.

The most recent analyst rating on (HK:0376) stock is a Hold with a HK$3.50 price target. To see the full list of analyst forecasts on Yunfeng Financial Group Limited stock, see the HK:0376 Stock Forecast page.