Gome Finance Technology Co Ltd (HK:0628)
:0628
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Gome Finance Technology Co
(0628)
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Rating:52Neutral
Price Target:
HK$0.21
▲(6.00% Upside)
Action:ReiteratedDate: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.
Read all positive and negative factors
Positive Factors
Negative 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.
Read all positive factors
Gome Finance Technology Co (0628) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$1.24B
Dividend YieldN/A
Average Volume (3M)422.58K
Price to Earnings (P/E)21.2
Beta (1Y)-0.05
Revenue Growth252.77%
EPS Growth-62.06%
CountryHK
Employees381
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)<0.01
Shares Outstanding5,201,123,000
10 Day Avg. Volume244,586
30 Day Avg. Volume422,576
Financial Highlights & Ratios
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 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
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...
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...
Gome Finance Technology Co Financial Statement Overview
Summary
Income Statement
63
Positive
Balance Sheet
82
Very Positive
Cash Flow
34
Negative
| 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
Positive
0.20
Price Trends
0.20
Positive
0.21
Positive
0.23
Positive
Market Momentum
<0.01
Negative
67.21
Neutral
48.55
Neutral
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 above the 20-day moving average (MA) of 0.19, below the 50-day MA of 0.20, and below the 200-day MA of 0.23, indicating a bullish trend. The MACD of <0.01 indicates Negative momentum. The RSI at 67.21 is Neutral, neither overbought nor oversold. The STOCH value of 48.55 is Neutral, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | HK$401.20M | 5.31 | 2.79% | 4.88% | -12.94% | -15.93% | |
64 Neutral | HK$1.23B | 2.30 | 9.82% | 7.43% | 1.11% | 3.98% | |
59 Neutral | HK$275.62M | 12.13 | 0.49% | ― | 8.77% | -76.88% | |
58 Neutral | HK$782.63M | 1.97 | 12.27% | 9.77% | 16.56% | 110.71% | |
52 Neutral | HK$1.24B | 21.21 | 2.03% | ― | 252.77% | -62.06% |
* Financial Sector Average
HK:0628
Gome Finance Technology Co
0.24
-0.03
-9.81%
HK:3903
Hanhua Financial Holding Co., Ltd. Class H
0.17
<0.01
1.82%
HK:1563
International Alliance Financial Leasing Co., Ltd.
0.16
-0.04
-20.39%
HK:1601
Zhongguancun Science-Tech Leasing Co. Ltd. Class H
0.80
0.04
5.26%
HK:2003
VCREDIT Holdings Limited
1.57
-1.74
-52.57%
HK:6866
Zuoli Kechuang Micro-finance Co. Ltd. Class H
0.34
0.07
25.93%
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.