China Financial Services Holdings Limited (HK:0605)
:0605
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China Financial Services Holdings Limited
(0605)
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Rating:57Neutral
Price Target:
HK$0.87
▲(2.24% Upside)
Action:Reiterated
Date:05/19/26
The score is held back primarily by uneven financial quality—negative EBIT in recent years and a 2025 reversal to negative operating/free cash flow—despite improved net income and reduced leverage. Technicals are neutral with only modest near-term strength, while the low P/E provides the main support to the overall rating.
Positive Factors
Net income recovery
Net income has returned to positive in 2024–2025, indicating the company regained profitability after multi-year losses. Sustained positive net income provides earnings retention for reserves or reinvestment, improving solvency and enabling strategic choices over the medium term.
Negative Factors
Long-term revenue decline
A multi-year, sharp revenue contraction erodes scale advantages and market position. Persistent top-line decline pressures fixed-cost absorption, reduces pricing power, and raises the risk that recent profitability is fragile if revenue stabilization fails to become a durable trend.
Read all positive and negative factors
Positive Factors
Negative Factors
Net income recovery
Net income has returned to positive in 2024–2025, indicating the company regained profitability after multi-year losses. Sustained positive net income provides earnings retention for reserves or reinvestment, improving solvency and enabling strategic choices over the medium term.
Read all positive factors
China Financial Services Holdings Limited (0605) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$155.79M
Dividend YieldN/A
Average Volume (3M)416.26K
Price to Earnings (P/E)2.3
Beta (1Y)14.88
Revenue Growth-4.57%
EPS Growth72.53%
CountryHK
Employees112
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.35
Shares Outstanding209,286,070
10 Day Avg. Volume291,900
30 Day Avg. Volume416,263
Financial Highlights & Ratios
PEG Ratio0.03
Price to Book (P/B)0.22
Price to Sales (P/S)1.61
P/FCF Ratio-63.60
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
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China Financial Services Holdings Limited Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
55
Neutral
Cash Flow
38
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 103.85M | 106.95M | 141.59M | 212.78M | 324.52M |
| Gross Profit | 91.16M | 97.71M | 126.31M | 71.87M | 101.87M |
| EBITDA | 54.18M | -53.19M | -57.05M | 7.08M | -173.90M |
| Net Income | 71.45M | 41.23M | -159.97M | -52.55M | -250.06M |
Balance Sheet | |||||
| Total Assets | 1.71B | 1.74B | 2.21B | 2.64B | 3.37B |
| Cash, Cash Equivalents and Short-Term Investments | 279.45M | 273.02M | 481.51M | 411.60M | 571.67M |
| Total Debt | 583.43M | 679.24M | 1.14B | 1.38B | 1.80B |
| Total Liabilities | 878.47M | 1.00B | 1.51B | 1.77B | 2.36B |
| Stockholders Equity | 748.82M | 657.24M | 620.71M | 789.73M | 923.82M |
Cash Flow | |||||
| Free Cash Flow | -2.62M | 72.17M | 285.44M | 246.19M | 589.24M |
| Operating Cash Flow | -1.28M | 73.37M | 286.82M | 247.17M | 590.73M |
| Investing Cash Flow | 32.16M | 64.62M | -18.97M | 21.02M | 6.59M |
| Financing Cash Flow | -35.90M | -312.18M | -221.00M | -406.41M | -633.84M |
China Financial Services Holdings Limited Technical Analysis
Negative
0.85
Price Trends
0.81
Negative
0.83
Negative
1.01
Negative
Market Momentum
>-0.01
Positive
43.18
Neutral
43.33
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 0.81, above the 50-day MA of 0.81, and below the 200-day MA of 1.01, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 43.18 is Neutral, neither overbought nor oversold. The STOCH value of 43.33 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | HK$440.00M | 6.89 | 5.52% | 5.43% | -8.15% | 14.16% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | HK$395.30M | 6.16 | 2.91% | 4.88% | -7.97% | 53.91% | |
59 Neutral | HK$255.33M | 6.53 | 1.09% | ― | 8.77% | -76.88% | |
57 Neutral | HK$155.79M | 2.34 | 10.28% | ― | -4.57% | 72.53% | |
50 Neutral | HK$114.99M | -0.56 | -0.26% | ― | -42.85% | -540.58% |
* Financial Sector Average
HK:0605
China Financial Services Holdings Limited
0.77
-0.36
-31.86%
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Global International Credit Group Ltd.
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0.47
78.33%
HK:1915
Yangzhou Guangling District Taihe Rural Micro-finance Company Limited Class H
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0.00
0.00%
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Zuoli Kechuang Micro-finance Co. Ltd. Class H
0.32
0.05
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HK:8452
FY Financial (Shenzhen) Co., Ltd. Class H
0.31
-0.05
-13.89%
China Financial Services Holdings Limited Corporate Events
China Financial Services extends RMB11 million secured loan to Shenzhen borrower
May 18, 2026
China Financial Services Holdings has arranged for its subsidiary SZCG to extend a new secured loan of RMB11 million to Customer FT for a one-year term, carrying an annual interest rate of 20.4%. The loan is backed by a first legal charge over a c...
China Financial Services grants HK$10 million secured loan in discloseable deal
May 7, 2026
China Financial Services Holdings Limited, through its subsidiary QLCG, continues to expand its secured lending activities in Hong Kong, offering property-backed financing solutions to borrowers. The group leverages residential real estate collate...
China Financial Services Sets Virtual AGM to Approve Board Changes and Share Buy-Back Mandate
Apr 29, 2026
China Financial Services Holdings Limited has called its annual general meeting for 28 May 2026, to be held virtually via an e-voting portal, where shareholders will review the audited financial statements for the year ended 31 December 2025 and c...
China Financial Services Unit Grants Secured RMB8.8 Million Loan in Discloseable Deal
Apr 24, 2026
China Financial Services Holdings Limited, a Hong Kong-listed financial services provider, operates through subsidiaries including SZCG to offer secured loan financing in mainland China. Its business model emphasizes collateralized lending, such a...
China Financial Services Unit Grants Secured RMB8.5 Million Loan
Apr 17, 2026
China Financial Services Holdings Limited, via its subsidiary SZCG, continues to expand its secured lending activities in mainland China, concentrating on property-backed financing to support its interest income streams. The company’s busine...
China Financial Services Expands Secured Lending with RMB14 Million Shenzhen Loan
Apr 8, 2026
China Financial Services Holdings Limited, through its unit SZCG, has entered into a new secured lending transaction in mainland China, underscoring its role as a provider of collateralised financing. The company continues to leverage real estate-...
China Financial Services Holdings Boosts Profit on Reversals Despite Lower Financing Income
Mar 27, 2026
China Financial Services Holdings Limited reported a 7.9% decline in interest and financing consultancy services income to HK$93.6 million for the year ended 31 December 2025, but overall profitability improved sharply. Profit attributable to owne...
China Financial Services Grants RMB10 Million Secured Loan in Discloseable Deal
Mar 26, 2026
China Financial Services Holdings Limited, via its subsidiary SZCG, has agreed to provide a RMB10 million secured loan to Customer FT for a one-year term, bearing interest at 21.6% per annum and backed by a first legal charge over two commercial p...
China Financial Services Extends New RMB10 Million Secured Loan in Shenzhen
Mar 23, 2026
China Financial Services Holdings Limited has arranged a new secured loan through its subsidiary SZCG to Customer FR, extending RMB10 million for a 12‑month term at an annual interest rate of 13.2 percent. The loan is backed by a first legal...
China Financial Services Grants RMB8.5 Million Secured Loan in Discloseable Deal
Mar 16, 2026
China Financial Services Holdings Limited, through its lending subsidiary UDSL, continues to build its secured lending portfolio by offering short-term, property-backed loans to clients in mainland China. The company targets borrowers who can prov...
China Financial Services Sets March Board Meeting to Approve 2025 Results
Mar 10, 2026
China Financial Services Holdings Limited has scheduled a board meeting for 27 March 2026 to review and approve the group’s audited final results for the financial year ended 31 December 2025. The meeting will also address any additional boa...
China Financial Services Grants RMB25 Million Secured Loan in Discloseable Deal
Mar 9, 2026
China Financial Services Holdings Limited, a Hong Kong-listed financial services group, operates through lending platforms like SZCG to provide secured financing solutions in mainland China. Its products include property-backed loans, targeting bo...
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.