Gome Finance Technology Co (0628) AI Stock Analysis

• Market Cap: HK$1.59B
• Dividend Yield: N/A
• Average Volume (3M): 422.58K
• Price to Earnings (P/E): 7.9
• Beta (1Y): -0.02
• Revenue Growth: 252.77%
• EPS Growth: -62.06%
• Country: HK
• Employees: 381
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): <0.01
• Shares Outstanding: 5,201,123,000
• 10 Day Avg. Volume: 244,586
• 30 Day Avg. Volume: 422,576
• PEG Ratio: -1.06
• Price to Book (P/B): 0.52
• Price to Sales (P/S): 4.42
• P/FCF Ratio: -6.34
• 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: 52 Neutral
• Price Target: HK$0.21 ▲(6.00% Upside)
• Action: Reiterated Date: 12/30/25
• Date: Action: Reiterated 12/30/25

The score is driven mainly by mixed fundamentals: an improved income statement and a low-leverage balance sheet are offset by persistently negative operating/free cash flow and uneven profitability. Technicals further weigh on the score as the stock trades below major moving averages with weak momentum, while valuation appears mid-range based on the provided P/E.

Positive Factors

Very low leverage

A very low debt-to-equity ratio and conservative balance sheet materially reduce financial distress and interest burden risk. Over 2–6 months this supports flexibility to withstand credit cycles, finance growth or absorb loan losses without relying on costly external financing.

Negative Factors

Negative operating and free cash flow

Persistent negative operating and free cash flow despite accounting profits signals weak cash conversion and working-capital strain in the credit model. Over months this raises refinancing, liquidity and execution risks, and can force dependence on external funding or slower growth.

Gome Finance Technology Co Business Overview & Revenue Model

Company Description

Gome Finance Technology Co., Ltd., an investment holding company, provides various financial services in in Hong Kong and Mainland China. It operates through Commercial Factoring Business and Other Financing Services segments. The company provides...

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Gome Finance Technology Co., Ltd., an investment holding company, provides various financial services in in Hong Kong and Mainland China. It operates through Commercial Factoring Business and Other Financing Services segments. The company provides...

How the Company Makes Money

Gome Finance Technology Co generates revenue through interest income from its lending activities, including personal loans and other credit products offered to consumers. The company may also earn fees associated with loan origination and processi...

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Gome Finance Technology Co generates revenue through interest income from its lending activities, including personal loans and other credit products offered to consumers. The company may also earn fees associated with loan origination and processi...

Gome Finance Technology Co Financial Statement Overview

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	409.01M	269.64M	91.02M	95.30M	95.46M	114.03M
Gross Profit	405.31M	266.17M	87.62M	95.28M	62.73M	91.63M
EBITDA	59.63M	105.81M	0.00	76.05M	-122.17M	0.00
Net Income	46.24M	39.64M	37.00M	-5.64M	-127.98M	14.32M
Balance Sheet
Total Assets	2.68B	2.61B	1.70B	2.04B	2.44B	2.57B
Cash, Cash Equivalents and Short-Term Investments	73.26M	131.02M	284.38M	303.10M	247.04M	350.43M
Total Debt	95.24M	60.80M	567.00K	387.07M	879.61M	839.58M
Total Liabilities	231.55M	142.42M	18.01M	403.64M	891.10M	867.09M
Stockholders Equity	2.29B	2.27B	1.68B	1.63B	1.55B	1.70B
Cash Flow
Free Cash Flow	-64.13M	-187.88M	-84.25M	-21.65M	-52.39M	79.06M
Operating Cash Flow	-63.19M	-152.26M	-84.25M	-21.65M	-52.39M	79.06M
Investing Cash Flow	-7.17M	-22.02M	443.16M	585.59M	-60.28M	118.90M
Financing Cash Flow	0.00	-1.65M	-391.74M	-527.64M	151.00K	-155.13M

Gome Finance Technology Co Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 0.20
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:0628, the sentiment is Positive. The current price of 0.2 is below the 20-day moving average (MA) of 0.23, below the 50-day MA of 0.21, and below the 200-day MA of 0.23, indicating a bullish trend. The MACD of 0.02 indicates Negative momentum. The RSI at 70.62 is Negative, neither overbought nor oversold. The STOCH value of 87.25 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:0628.

Gome Finance Technology Co Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
1577	76 Outperform	HK$680.00M	6.27	6.16%	5.46%	-24.04%	60.24%
0900	72 Outperform	HK$3.40B	7.07	11.00%	6.92%	4.78%	24.02%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
2003	58 Neutral	HK$680.54M	-0.36	-12.57%	9.77%	16.56%	110.71%
0628	52 Neutral	HK$1.59B	7.90	2.99%	―	252.77%	-62.06%
2051	46 Neutral	HK$1.14B	-4.77	-8.70%	―	-12.75%	-61.51%
8239	45 Neutral	HK$1.26B	-30.27	-118.33%	―	26.82%	68.75%