Dah Sing Financial Holdings Limited (HK:0440)
:0440
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Dah Sing Financial Holdings
(0440)
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Rating:74Outperform
Price Target:
HK$46.00
â–²(27.85% Upside)
Action:Reiterated
Date:05/03/26
The score is driven primarily by strong valuation (low P/E and high dividend yield) and generally solid financial performance supported by a conservative balance sheet and improving earnings. This is tempered by margin compression in 2025 and notable cash-flow volatility, while technical indicators are mostly neutral with modestly positive trend signals.
Positive Factors
Conservative balance sheet
Low leverage and rising equity provide lasting resilience against credit shocks and regulatory stress. A conservatively levered balance sheet supports stable lending capacity, capital buffers for provisioning, and more predictable dividend/capital allocation over the coming months.
Negative Factors
Margin compression
Material margin compression reduces core earnings power and reflects adverse mix, funding cost increases or pricing pressure. If sustained, lower margins erode return on assets and require higher volumes or cost cuts to maintain profitability over the next several months.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Low leverage and rising equity provide lasting resilience against credit shocks and regulatory stress. A conservatively levered balance sheet supports stable lending capacity, capital buffers for provisioning, and more predictable dividend/capital allocation over the coming months.
Read all positive factors
Dah Sing Financial Holdings (0440) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$13.49B
Dividend Yield6.53%
Average Volume (3M)339.25K
Price to Earnings (P/E)3.6
Beta (1Y)0.56
Revenue Growth-7.31%
EPS Growth22.84%
CountryHK
Employees3,047
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.45
Shares Outstanding319,575,100
10 Day Avg. Volume360,656
30 Day Avg. Volume339,251
Financial Highlights & Ratios
PEG Ratio0.24
Price to Book (P/B)0.30
Price to Sales (P/S)0.81
P/FCF Ratio4.03
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
HK$45.70Price Target Upside27.02% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)7.37
Revenue Forecast (FY)HK$8.43B
Dah Sing Financial Holdings Business Overview & Revenue Model
Company Description
Dah Sing Financial Holdings Limited, an investment holding company, provides banking, insurance, financial, and other related services in the People's Republic of China. The company operates through Personal Banking, Corporate Banking, Treasury an...
How the Company Makes Money
The company makes money primarily through (1) banking income and (2) insurance-related income. In banking, the core earnings driver is net interest income: the group collects interest on loans and other interest-earning assets and pays interest on...
Dah Sing Financial Holdings Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
78
Positive
Cash Flow
58
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 13.86B | 5.40B | 4.96B | 4.50B | 7.46B |
| Gross Profit | 7.56B | 5.40B | 4.96B | 6.88B | 6.01B |
| EBITDA | 2.69B | 2.93B | 2.00B | 2.41B | 2.51B |
| Net Income | 2.06B | 1.67B | 1.59B | 1.22B | 1.31B |
Balance Sheet | |||||
| Total Assets | 270.38B | 266.52B | 269.79B | 259.85B | 256.53B |
| Cash, Cash Equivalents and Short-Term Investments | 17.84B | 15.67B | 21.02B | 21.43B | 16.85B |
| Total Debt | 4.93B | 4.15B | 8.89B | 8.45B | 4.13B |
| Total Liabilities | 223.89B | 223.33B | 228.79B | 222.69B | 218.70B |
| Stockholders Equity | 37.49B | 34.64B | 32.68B | 29.52B | 30.19B |
Cash Flow | |||||
| Free Cash Flow | 2.80B | 4.05B | -2.10B | 5.36B | 3.69B |
| Operating Cash Flow | 2.80B | 4.40B | -2.10B | 5.54B | 3.93B |
| Investing Cash Flow | -182.05M | -43.53M | -44.88M | -38.60M | -93.54M |
| Financing Cash Flow | -1.42B | -7.98B | 962.65M | 2.95B | 1.19B |
Dah Sing Financial Holdings Technical Analysis
Positive
35.98
Price Trends
41.15
Positive
39.63
Positive
36.85
Positive
Market Momentum
0.32
Positive
53.96
Neutral
46.42
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:0440, the sentiment is Positive. The current price of 35.98 is below the 20-day moving average (MA) of 42.03, below the 50-day MA of 41.15, and below the 200-day MA of 36.85, indicating a bullish trend. The MACD of 0.32 indicates Positive momentum. The RSI at 53.96 is Neutral, neither overbought nor oversold. The STOCH value of 46.42 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:0440.
Dah Sing Financial Holdings Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | HK$18.60B | 6.06 | 7.04% | 6.54% | -9.67% | 20.16% | |
74 Outperform | HK$13.49B | 3.57 | 5.58% | 6.53% | -7.31% | 22.84% | |
71 Outperform | HK$498.61B | 5.80 | 11.37% | 5.80% | -1.26% | 4.94% | |
70 Outperform | HK$484.37B | 4.85 | 9.18% | 5.76% | -3.89% | 2.20% | |
70 Outperform | HK$1.09T | 7.29 | 11.91% | 4.26% | -4.57% | 1.77% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | HK$37.12B | 8.05 | 3.26% | 5.78% | -12.22% | -19.99% |
* Financial Sector Average
HK:0440
Dah Sing Financial Holdings
42.22
15.35
57.14%
HK:0023
Bank of East Asia
14.04
3.17
29.21%
HK:2388
BOC Hong Kong (Holdings)
47.16
15.69
49.88%
HK:0998
China CITIC Bank
7.77
1.55
24.88%
HK:3968
China Merchants Bank Co
46.10
-0.64
-1.37%
HK:2356
Dah Sing Banking Group
13.23
5.26
66.00%
Dah Sing Financial Holdings Corporate Events
Dah Sing Financial Sets 2026 AGM to Approve Dividend, Board Mandates and Share Issue Authority
Apr 28, 2026
Dah Sing Financial Holdings has called its annual general meeting for 5 June 2026 at the Hong Kong Convention and Exhibition Centre, where shareholders will review the audited financial statements for the year ended 31 December 2025 and vote on a ...
Dah Sing Financial Declares HKD 1.42 Final Dividend for 2025
Mar 30, 2026
Dah Sing Financial Holdings has declared a final ordinary dividend of HKD 1.42 per share for the financial year ended 31 December 2025, reinforcing its shareholder returns policy. The payout is subject to shareholder approval on 5 June 2026, with ...
Dah Sing Financial Posts Double-Digit Profit Growth and Raises Dividend for 2025
Mar 30, 2026
Dah Sing Financial Holdings reported strong audited results for 2025, with total operating income rising 14.6% to HK$8.27 billion, driven by a 9.3% increase in net interest income and a 28.9% jump in net fee and commission income. Insurance revenu...
Dah Sing Financial Sets March Board Meeting on 2025 Results and Final Dividend
Mar 16, 2026
Dah Sing Financial Holdings Limited has scheduled a meeting of its Board Committee for 30 March 2026 to approve the announcement of the group’s consolidated results for the year ended 31 December 2025. The committee will also consider recomm...
Dah Sing Financial Buys HK$838.7 Million Hong Kong Commercial Property Block
Feb 27, 2026
Dah Sing Financial Holdings, through its indirect wholly owned subsidiary Dah Sing Properties under Dah Sing Banking Group, has agreed to acquire multiple floors, a ground-floor retail unit, external signage rights and 20 parking spaces in a Hong ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.