China Internet Investment Finance Holdings Ltd. (0810) AI Stock Analysis

• Market Cap: HK$26.88M
• Dividend Yield: N/A
• Average Volume (3M): 204.16K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.47
• Revenue Growth: -64.18%
• EPS Growth: 63.16%
• Country: HK
• Employees: 15
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): -0.02
• Shares Outstanding: 203,643,190
• 10 Day Avg. Volume: 238,980
• 30 Day Avg. Volume: 204,162
• PEG Ratio: >-0.01
• Price to Book (P/B): 0.94
• Price to Sales (P/S): -2.95
• P/FCF Ratio: -2.59
• 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: 49 Neutral
• Price Target: HK$0.13 ▼(-18.13% Downside)

The overall stock score is primarily impacted by the company's weak financial performance, characterized by persistent losses and negative margins. Technical analysis provides a neutral outlook, while valuation metrics are unfavorable due to a negative P/E ratio and lack of dividend yield.

Positive Factors

Low leverage / strong equity base

Conservative leverage provides durable financial resilience: a low debt load lowers fixed interest costs and reduces insolvency risk during prolonged losses. This strengthens the company's ability to fund operations or strategic initiatives without immediate refinancing pressure over the next several months.

Robust equity ratio

A robust equity ratio implies assets are largely equity-financed, which supports solvency through revenue volatility and grants management time to execute turnarounds. This structural balance-sheet strength preserves optionality for capital raises or strategic investments over a multi-month horizon.

Positive gross profit margin

A positive gross margin indicates the core services or products generate surplus over direct costs, showing underlying unit economics. If management controls overhead, this provides a foundation for recovering profitability as revenues stabilize, a key structural enabler for medium-term improvement.

Negative Factors

Persistent net losses and negative margins

Ongoing net losses and consistently negative EBIT/EBITDA margins erode equity and limit reinvestment power. Over months this constrains the firm's ability to scale, reduces strategic flexibility, and forces dependence on external capital, making recovery and sustainable profitability more difficult.

Severe revenue decline

A ~64% revenue decline signals meaningful loss of customers or pricing power and undermines operating leverage. Structural revenue deterioration reduces margins, weakens cash generation, and complicates any turnaround plan since fixed costs and existing overhead become harder to cover sustainably.

Erratic and weak operating cash flow

Zero operating cash flow in 2024 and inconsistent conversion of income to cash indicate weak cash generation capacity. Over a multi-month horizon this increases reliance on financing, hampers investment in growth or remediation, and raises execution risk for any restructuring efforts.

China Internet Investment Finance Holdings Ltd. Business Overview & Revenue Model

Company Description

China Internet Investment Finance Holdings Ltd. (0810) is a financial services company based in Hong Kong, primarily focused on providing innovative internet-based financial solutions. The company operates in various sectors, including online lending, asset management, and financial technology services. Through its platforms, it aims to connect investors with borrowers, offering products such as personal loans, business financing, and investment opportunities in diversified asset classes.

How the Company Makes Money

The company generates revenue primarily through interest income from loans provided to individuals and businesses, as well as fees charged for services related to asset management and financial technology solutions. Key revenue streams include transaction fees from its online lending platform, interest spread from loans issued, and management fees from investment products. Additionally, partnerships with technology firms and financial institutions enhance its service offerings and expand its customer base, contributing positively to its earnings.

China Internet Investment Finance Holdings Ltd. Financial Statement Overview

Summary

The company faces significant financial challenges with persistent net losses and negative margins. Despite a strong balance sheet with low leverage, operational inefficiencies and poor cash flow management severely impact financial performance.

Income Statement

The company has experienced volatile revenue growth, displaying a significant decline from 2023 to 2024. The gross profit margin is positive, but the company consistently operates at a net loss, leading to negative net profit margins. EBIT and EBITDA margins are also negative, indicating operational inefficiencies.

Balance Sheet

The company maintains a strong equity base with a low debt-to-equity ratio, reflecting conservative leverage. However, the return on equity is negative due to continuous net losses. The equity ratio is robust, suggesting financial stability in terms of asset financing through equity.

Cash Flow

Cash flows are erratic, with operating cash flow dropping to zero in 2024. The company shows a lack of free cash flow growth and has a highly inconsistent operating cash flow to net income ratio, indicating challenges in converting net income to cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	310.00K	-10.12M	13.25M	493.00K	1.58M	1.37M
Gross Profit	310.00K	-10.12M	13.25M	493.00K	485.00K	-88.00K
EBITDA	-10.47M	-21.26M	-5.71M	-27.58M	-8.68M	-43.87M
Net Income	-11.04M	-21.60M	-6.31M	-27.99M	-9.58M	-43.93M
Balance Sheet
Total Assets	28.77M	33.10M	52.56M	60.09M	89.47M	95.54M
Cash, Cash Equivalents and Short-Term Investments	12.47M	15.97M	34.15M	38.60M	53.90M	45.16M
Total Debt	0.00	47.00K	597.00K	1.13M	1.65M	2.16M
Total Liabilities	725.00K	1.24M	3.25M	4.47M	5.94M	10.65M
Stockholders Equity	28.05M	31.86M	49.30M	55.62M	83.53M	84.89M
Cash Flow
Free Cash Flow	-5.89M	-11.54M	10.91M	-32.97M	-1.88M	-24.33M
Operating Cash Flow	-5.89M	-11.55M	10.94M	-32.95M	-1.88M	-24.28M
Investing Cash Flow	0.00	40.00K	-25.00K	-19.00K	11.14M	56.00K
Financing Cash Flow	3.83M	3.59M	-562.00K	-557.00K	7.64M	-557.00K

China Internet Investment Finance Holdings Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.16
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:0810, the sentiment is Negative. The current price of 0.16 is above the 20-day moving average (MA) of 0.13, above the 50-day MA of 0.14, and above the 200-day MA of 0.14, indicating a bearish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 40.96 is Neutral, neither overbought nor oversold. The STOCH value of 49.21 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:0810.

China Internet Investment Finance Holdings Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
0768	66 Neutral	HK$61.04M	5.11	12.66%	―	43.59%	104.35%
0310	50 Neutral	HK$136.65M	-2.20	―	―	―	―
0810	49 Neutral	HK$26.88M	-1.79	-35.08%	―	-64.18%	63.16%
8313	48 Neutral	HK$66.00M	-22.00	-2.51%	―	-24.85%	54.55%
0080	46 Neutral	HK$752.23M	-29.01	-30.83%	―	―	―
0339	44 Neutral	HK$138.24M	128.00	20.49%	―	56.79%	―

China Internet Investment Finance Holdings Ltd. Corporate Events

China Castson 81 Finance Delays Rights Issue Circular After Securing Regulatory Extension

China Castson 81 Finance Company Limited has announced a delay in sending to shareholders a circular relating to its proposed rights issue, connected underwriting arrangement, whitewash waiver and the closure of its register of members. The circular, originally due by 8 January 2026 under takeover rules, will now be dispatched no later than 6 February 2026 after the company obtained regulatory consent to extend the deadline, citing the need for more time to finalise the independent financial adviser’s letter, indebtedness statement and updated information on the group’s financial and trading position; the company will issue further announcements to update the timetable for the rights issue and related corporate actions.

The most recent analyst rating on (HK:0810) stock is a Hold with a HK$0.15 price target. To see the full list of analyst forecasts on China Internet Investment Finance Holdings Ltd. stock, see the HK:0810 Stock Forecast page.

China Castson 81 Finance Plans HK$51.9 Million Rights Issue to Fund AI, Digital Asset and New Energy Investments

China Castson 81 Finance Company Limited has announced a proposed rights issue on a non-fully underwritten basis to raise up to approximately HK$51.93 million by offering up to 509,107,967 rights shares at HK$0.102 each on the basis of five rights shares for every two existing shares held by qualifying shareholders. After expenses, the company expects net proceeds of about HK$49.24 million, of which roughly 70% will be allocated to investments in listed and unlisted securities, particularly in artificial intelligence, digital assets and new energy sectors, and the remaining 30% will be reserved for general working capital, including staff costs, professional fees and other operating expenses, indicating a strategy to expand its investment portfolio in growth sectors while strengthening its liquidity position.

The most recent analyst rating on (HK:0810) stock is a Hold with a HK$0.15 price target. To see the full list of analyst forecasts on China Internet Investment Finance Holdings Ltd. stock, see the HK:0810 Stock Forecast page.

China Castson 81 Finance Announces Net Asset Value Update

China Castson 81 Finance Company Limited, listed on the Hong Kong Stock Exchange, announced its unaudited consolidated net asset value per share as of November 30, 2025, which stands at approximately HK$0.14. This financial update provides stakeholders with insight into the company’s current valuation, potentially impacting investor perceptions and market positioning.

The most recent analyst rating on (HK:0810) stock is a Hold with a HK$0.15 price target. To see the full list of analyst forecasts on China Internet Investment Finance Holdings Ltd. stock, see the HK:0810 Stock Forecast page.

China Castson 81 Finance Announces Net Asset Value Update

China Castson 81 Finance Company Limited, listed on the Hong Kong Stock Exchange, announced its unaudited consolidated net asset value per share as of October 31, 2025, was approximately HK$0.14, based on 203,643,187 ordinary shares in issue. This financial update provides stakeholders with insight into the company’s current valuation, which could influence investor perceptions and market positioning.

China Castson 81 Finance Reports Net Asset Value Update

China Castson 81 Finance Company Limited, listed on the Hong Kong Stock Exchange, reported an unaudited consolidated net asset value per share of approximately HK$0.16 as of September 30, 2025. This financial update reflects the company’s current valuation based on its issued ordinary shares, providing stakeholders with insight into its financial health and market position.