Yunfeng Financial Group Limited (0376) AI Stock Analysis

• Market Cap: €26.42B
• Dividend Yield: N/A
• Average Volume (3M): 84.21M
• Price to Earnings (P/E): 33.2
• Beta (1Y): 1.44
• 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: 59,093,438
• 30 Day Avg. Volume: 84,214,581
• 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: €3.01
• Price Target Upside: -52.06% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 59 Neutral
• Price Target: HK$3.00 ▼(-52.15% Downside)

The stock demonstrates strong technical momentum and stable financial performance, but faces challenges with inconsistent revenue growth and lack of dividend yield. These factors lead to a moderate overall score.

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 Limited makes money through various revenue streams in the financial services industry. Its primary revenue sources include commissions and fees from securities brokerage services, where it facilitates the buying and selling of stocks and other financial instruments for clients. Additionally, the company earns management fees from its wealth management and asset management services, where it provides investment advisory and portfolio management to individual and institutional investors. Yunfeng Financial Group may also generate income through proprietary trading and investment activities. Strategic partnerships and collaborations with financial institutions and technology firms potentially enhance its service offerings and market reach, contributing to its overall revenue.

Yunfeng Financial Group Limited Financial Statement Overview

Summary

The company shows mixed financial performance. Improved profitability with a net profit margin increase to 12.7% and a strong cash position are positive, but inconsistent revenue growth and declining free cash flow present challenges.

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	1.22B	-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: Positive
• Last Price: 6.27
• 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:0376, the sentiment is Positive. The current price of 6.27 is above the 20-day moving average (MA) of 5.87, above the 50-day MA of 4.25, and above the 200-day MA of 2.27, indicating a bullish trend. The MACD of 0.51 indicates Positive momentum. The RSI at 61.15 is Neutral, neither overbought nor oversold. The STOCH value of 76.91 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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	61 Neutral	HK$1.90B	25.00	2.32%	2.11%	20.05%	16.56%
0376	59 Neutral	€26.42B	33.21	7.22%	―	19.01%	64.43%
1428	56 Neutral	HK$15.46B	25.03	42.24%	3.62%	8.71%	10.51%
0613	45 Neutral	€2.21B	2,090.91	>-0.01%	―	-27.12%	―
0139	41 Neutral	HK$399.27M	―	-16.07%	―	110.52%	2.14%
0993	39 Underperform	€1.59B	―	―	―	-78.40%	-196.19%

Yunfeng Financial Group Limited Corporate Events

Yunfeng Financial Group Expands into Frontier Technologies

Yunfeng Financial Group Limited has announced a strategic expansion into frontier areas such as Web 3.0, Real World Assets (RWA), digital currency, ESG Net Zero Assets, and artificial intelligence. This move aims to integrate these technologies with the company’s insurance business to enhance its market positioning and deliver sustainable long-term shareholder value. The expansion will be funded by internal resources and will be executed based on business development progress and market conditions.

Yunfeng Financial Group Secures Shareholder Approval for Key Resolutions at AGM

Yunfeng Financial Group Limited announced that all resolutions proposed during its Annual General Meeting on June 27, 2025, were approved by shareholders. Key resolutions included the adoption of financial statements for the year ending December 31, 2024, re-election of directors, re-appointment of KPMG as auditors, and granting the board authority to issue and buy back shares. This successful meeting reflects strong shareholder support and positions the company for continued strategic initiatives and growth.

Yunfeng Financial Announces Closure of Register for AGM

Yunfeng Financial Group Limited has announced the closure of its register of members from June 24 to June 27, 2025, to determine shareholders eligible to attend and vote at its upcoming annual general meeting on June 27, 2025. This announcement is crucial for shareholders as it outlines the necessary steps and deadlines for participation in the meeting, impacting their ability to influence company decisions.

Yunfeng Financial Proposes Key Amendments to Articles of Association

Yunfeng Financial Group Limited has announced proposed amendments to its articles of association to align with recent changes in the Companies Ordinance and Listing Rules, including the adoption of a treasury share regime and electronic communication methods. These changes aim to enhance operational efficiency and compliance, subject to shareholder approval at the upcoming annual general meeting.

Yunfeng Financial Group Announces 2025 AGM and Key Resolutions

Yunfeng Financial Group Limited has announced its upcoming Annual General Meeting scheduled for June 27, 2025, where key resolutions will be discussed, including the re-election of directors and the re-appointment of KPMG as the independent auditor. The meeting will also address the authorization for directors to manage share allotments, which could impact the company’s capital structure and shareholder value.