China Financial Services Holdings Limited (HK:0605)
:0605
Top Page
China Financial Services Holdings Limited
(0605)
Select Model
Select Model
Rating:53Neutral
Price Target:
HK$0.86
▲(1.53% Upside)
Action:ReiteratedDate:01/07/26
The score is held back primarily by weakening financial performance (shrinking revenues, negative EBIT/EBITDA, and missing operating cash flow in 2024) and a bearish longer-term technical setup (below 50/100/200-day averages with negative MACD). A low P/E provides some support, but it does not offset the operational and cash-flow risks.
Positive Factors
Improved leverage management
A falling debt-to-equity ratio indicates the company has reduced leverage, which enhances financial flexibility and lowers refinancing and solvency risk. Over the next 2–6 months this improved capital structure supports steadier operations and better capacity to absorb shocks or fund strategic initiatives.
Negative Factors
Material revenue decline
Sustained revenue contraction across multiple years erodes market scale and bargaining power, making it harder to cover fixed costs and invest in growth. Structural top-line weakness undermines long-term margin recovery and increases reliance on non-operating items to report profits.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved leverage management
A falling debt-to-equity ratio indicates the company has reduced leverage, which enhances financial flexibility and lowers refinancing and solvency risk. Over the next 2–6 months this improved capital structure supports steadier operations and better capacity to absorb shocks or fund strategic initiatives.
Read all positive factors
China Financial Services Holdings Limited (0605) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$157.81M
Dividend YieldN/A
Average Volume (3M)416.26K
Price to Earnings (P/E)―
Beta (1Y)13.41
Revenue Growth-25.74%
EPS GrowthN/A
CountryHK
Employees112
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.50
Shares Outstanding209,286,070
10 Day Avg. Volume291,900
30 Day Avg. Volume416,263
Financial Highlights & Ratios
PEG Ratio-0.06
Price to Book (P/B)0.48
Price to Sales (P/S)2.97
P/FCF Ratio4.41
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
China Financial Services Holdings Limited Business Overview & Revenue Model
Company Description
China Financial Services Holdings Limited, together with its subsidiaries, provides various financial services in the People's Republic of China. The company primarily offers short-term financial services; provides direct loans, including real est...
How the Company Makes Money
The company generates revenue through multiple streams, primarily from its brokerage services, which include commissions from trading activities for both retail and institutional clients. Additionally, it earns income from asset management fees ch...
China Financial Services Holdings Limited Financial Statement Overview
Summary
Income Statement
45
Neutral
Balance Sheet
65
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Jun 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 96.30M | 106.95M | 141.59M | 212.78M | 324.52M | 745.03M |
| Gross Profit | 96.30M | 97.71M | 126.31M | 71.87M | 101.87M | 394.00M |
| EBITDA | -47.15M | -53.19M | -57.05M | 7.08M | -173.90M | -785.93M |
| Net Income | 29.96M | 41.23M | -159.97M | -52.55M | -250.06M | -1.22B |
Balance Sheet | ||||||
| Total Assets | 1.67B | 1.74B | 2.21B | 2.64B | 3.37B | 4.05B |
| Cash, Cash Equivalents and Short-Term Investments | 285.75M | 273.02M | 481.51M | 411.60M | 571.67M | 595.50M |
| Total Debt | 630.49M | 679.24M | 1.14B | 1.38B | 1.80B | 2.18B |
| Total Liabilities | 955.22M | 1.00B | 1.51B | 1.77B | 2.36B | 2.82B |
| Stockholders Equity | 641.45M | 657.24M | 620.71M | 789.73M | 923.82M | 1.14B |
Cash Flow | ||||||
| Free Cash Flow | 157.45M | 72.17M | 285.44M | 246.19M | 589.24M | 1.16B |
| Operating Cash Flow | 158.65M | 73.37M | 286.82M | 247.17M | 590.73M | 1.16B |
| Investing Cash Flow | 76.78M | 64.62M | -18.97M | 21.02M | 6.59M | 2.97M |
| Financing Cash Flow | -275.11M | -312.18M | -221.00M | -406.41M | -633.84M | -1.31B |
China Financial Services Holdings Limited Technical Analysis
Negative
0.85
Price Trends
0.83
Negative
0.89
Negative
1.11
Negative
Market Momentum
>-0.01
Negative
49.33
Neutral
33.73
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:0605, the sentiment is Negative. The current price of 0.85 is above the 20-day moving average (MA) of 0.79, above the 50-day MA of 0.83, and below the 200-day MA of 1.11, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 49.33 is Neutral, neither overbought nor oversold. The STOCH value of 33.73 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:0605.
China Financial Services Holdings Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | HK$388.00M | 6.89 | 5.18% | 5.43% | -1.47% | 2.86% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | HK$365.80M | 5.31 | 2.79% | 4.88% | -12.94% | -15.93% | |
59 Neutral | HK$257.02M | 19.00 | 1.09% | ― | 8.77% | -76.88% | |
53 Neutral | HK$157.81M | -2.46 | 4.61% | ― | -25.74% | ― | |
47 Neutral | HK$111.40M | -34.55 | -0.26% | ― | 135.97% | -271.72% |
* Financial Sector Average
HK:0605
China Financial Services Holdings Limited
0.78
-0.42
-35.00%
HK:1563
International Alliance Financial Leasing Co., Ltd.
0.15
-0.05
-24.75%
HK:1669
Global International Credit Group Ltd.
0.97
0.45
86.54%
HK:1915
Yangzhou Guangling District Taihe Rural Micro-finance Company Limited Class H
0.27
0.00
0.00%
HK:6866
Zuoli Kechuang Micro-finance Co. Ltd. Class H
0.31
0.03
10.71%
HK:8452
FY Financial (Shenzhen) Co., Ltd. Class H
0.31
-0.07
-18.42%
China Financial Services Holdings Limited Corporate Events
China Financial Services Grants RMB10 Million Secured Loan at 14.4% Interest
Feb 4, 2026
China Financial Services Holdings Limited has announced that its subsidiary SZCG has entered into a loan agreement on 4 February 2026 with a customer identified as Customer FO, extending a one-year secured loan of RMB10 million at an annual intere...
China Financial Services Subsidiary Issues RMB10 Million Secured Loan at 14.4% Interest
Jan 14, 2026
China Financial Services Holdings Limited has announced that its subsidiary SZCG has entered into a loan agreement on 14 January 2026 to provide a six‑month loan of RMB10 million to a customer identified as Customer FN, at an annual interest...
China Financial Services Extends RMB18 Million Secured Loan at 14.4% Interest
Dec 29, 2025
China Financial Services Holdings Limited has, through its subsidiary UDSL, entered into a new loan agreement on 25 December 2025 to provide a three-month secured loan of RMB18 million to two borrowers at an annual interest rate of 14.4%, backed b...
China Financial Services Unit Grants RMB29.98 Million High-Yield Loan in Discloseable Deal
Dec 22, 2025
China Financial Services Holdings Limited has disclosed that its subsidiary SZCG has entered into a loan agreement with a corporate client, Customer FM, providing RMB29.98 million in financing for a six-month term at an annual interest rate of 11%...
China Financial Services Holdings Limited Announces New Loan Agreement
Dec 16, 2025
China Financial Services Holdings Limited announced the execution of Loan Agreement B, providing a financial assistance package of HK$20,880,000 to Customer EX and Customer FL. This loan, secured against eight commercial properties, will be used t...
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.