Da Yu Financial Holdings Limited (1073) AI Stock Analysis

• Market Cap: HK$410.16M
• Dividend Yield: 2.51%
• Average Volume (3M): 368.73K
• Price to Earnings (P/E): 25.5
• Beta (1Y): 0.67
• Revenue Growth: -14.94%
• EPS Growth: N/A
• Country: HK
• Employees: 28
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): <0.01
• Shares Outstanding: 3,417,990,500
• 10 Day Avg. Volume: 744,387
• 30 Day Avg. Volume: 368,725
• PEG Ratio: -0.07
• Price to Book (P/B): 0.32
• Price to Sales (P/S): 2.28
• P/FCF Ratio: 3.86
• 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: 63 Neutral
• Price Target: HK$0.14 ▲(22.73% Upside)

The score is driven primarily by mixed financial performance (strong balance sheet and improving margins, but volatile earnings and weak operating cash flow). Technicals are supportive due to the uptrend, though overbought signals temper the outlook, while valuation looks moderate-to-stretched versus business stability despite a modest dividend.

Positive Factors

Low leverage / strong equity base

A robust equity ratio and low leverage provide durable financial flexibility: they reduce refinancing risk, support capital allocation (dividends, buybacks, strategic investments), and improve resilience through credit cycles. This underpins long-term solvency and optionality to pursue growth.

Improving gross margins

Sustained improvement in gross margins points to better cost control or higher-margin business mix, which can drive persistent earnings recovery even if revenue growth is uneven. Higher structural margins support reinvestment capacity and enhance earnings durability over multiple quarters.

Modest recurring shareholder payout

A recurring dividend, even if modest, signals disciplined capital allocation and some free cash generation ability. Over time this can attract income-focused investors, impose financial discipline on management, and indicate a baseline of cash returns despite earnings volatility.

Negative Factors

Volatile revenue and earnings

Earnings and revenue volatility reduce predictability of future cash flows and complicate strategic planning. Persistent swings, including a material loss, weaken stakeholder confidence, make budgeting and capital allocation harder, and increase the risk of earnings disappointments over the medium term.

Weak operating cash flow conversion

Inability to consistently convert accounting profits into operating cash undermines sustainable funding for operations, dividends, or growth investments. It raises reliance on external financing, increases vulnerability during market stress, and questions underlying earnings quality.

Limited scale and concentration risk

A very small employee base suggests limited operational scale and capacity to diversify products or client segments. Over the medium term this can constrain revenue expansion, increase single-client or staff-keyperson risk, and limit ability to absorb regulatory or market demands common in capital markets.

Da Yu Financial Holdings Limited Business Overview & Revenue Model

Company Description

Da Yu Financial Holdings Limited provides corporate finance advisory and asset management services in Hong Kong and Taiwan. It operates through Corporate Finance Services, Investment and Others; Asset Management Services; and Securities and Related Services segments. The company acts as a financial adviser to advise listed issuers, shareholders, and investors of listed issuers, as well as entities on specific transactions. It also acts as independent financial adviser to listed issuers to provide independent advice required under the listing rules, the takeovers code, or other specific circumstances. In addition, the company acts as financial adviser to listed issuers on retainer basis to advise listed issuers on corporate strategies and compliance with the listing rules, the takeovers code, and the GEM listing rules. In addition, it offers asset management services including investment advisory services; provision of securities broking, underwriting and placing of securities, and investment in securities. The company was formerly known as China Agrotech Holdings Limited and changed its name to Da Yu Financial Holdings Limited in June 2019. Da Yu Financial Holdings Limited was incorporated in 1999 and is headquartered in Wanchai, Hong Kong.

How the Company Makes Money

Da Yu Financial Holdings Limited generates revenue through multiple streams, primarily from fees and commissions associated with its asset management and brokerage services. The company earns income by charging management fees on the assets it manages and performance fees based on the returns achieved for clients. Additionally, commissions from securities trading and advisory services contribute significantly to its earnings. Strategic partnerships with financial institutions enhance its service offerings and client base, while proprietary trading activities may also add to its revenue, depending on market conditions and investment performance.

Da Yu Financial Holdings Limited Financial Statement Overview

Summary

Mixed fundamentals: profitability has improved with a stronger gross margin and a solid, low-leverage balance sheet, but net income and revenue have been volatile and operating cash flow has been weak/absent recently, limiting overall quality of earnings.

Income Statement

The company's income statement shows signs of positive recovery with improved profitability. The gross profit margin has increased significantly from previous years, indicating efficient cost management. However, there is volatility in net income, with a substantial loss in 2023 affecting the overall net profit margin negatively. Revenue growth has been inconsistent, with a recent uptrend in 2024 but overall declining from 2020 levels.

Balance Sheet

The balance sheet reflects strong equity levels with a favorable debt-to-equity ratio, indicating low leverage and financial stability. The equity ratio is robust, suggesting a high proportion of assets financed by equity. However, the company experienced fluctuations in total assets and liabilities, which may present some risk to sustained stability.

Cash Flow

Cash flow analysis indicates challenges with operating cash flow in recent years, particularly in 2024, where it was nonexistent. The free cash flow has shown positive growth in some periods but remains volatile overall. The operating cash flow to net income ratio is unstable, pointing to potential difficulties in converting income into actual cash flow.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	53.91M	70.08M	43.36M	76.70M	59.48M	110.67M
Gross Profit	25.02M	63.44M	27.85M	60.93M	41.71M	86.20M
EBITDA	10.40M	32.08M	-152.76M	20.05M	21.09M	77.57M
Net Income	11.46M	22.50M	-161.79M	5.37M	1.14M	48.71M
Balance Sheet
Total Assets	938.46M	757.15M	492.53M	655.34M	679.10M	514.93M
Cash, Cash Equivalents and Short-Term Investments	114.03M	246.72M	81.14M	102.91M	113.35M	93.20M
Total Debt	4.64M	443.00K	3.52M	697.00K	3.98M	390.00K
Total Liabilities	430.71M	255.80M	182.59M	183.61M	212.73M	49.71M
Stockholders Equity	507.76M	501.36M	309.94M	471.73M	466.36M	465.23M
Cash Flow
Free Cash Flow	48.87M	41.30M	25.87M	-6.22M	34.65M	46.03M
Operating Cash Flow	48.88M	41.32M	25.97M	-6.05M	34.75M	46.05M
Investing Cash Flow	-19.27M	-32.92M	-43.31M	2.94M	-4.32M	-23.00K
Financing Cash Flow	-13.18M	166.83M	-3.58M	-4.06M	-3.31M	-1.57M

Da Yu Financial Holdings Limited Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 0.11
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1073, the sentiment is Positive. The current price of 0.11 is above the 20-day moving average (MA) of 0.11, above the 50-day MA of 0.11, and below the 200-day MA of 0.12, indicating a bullish trend. The MACD of <0.01 indicates Negative momentum. The RSI at 62.21 is Neutral, neither overbought nor oversold. The STOCH value of 78.13 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:1073.

Da Yu Financial Holdings Limited 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%
1073	63 Neutral	HK$410.16M	25.53	2.26%	2.51%	-14.94%	―
2263	61 Neutral	HK$285.00M	37.50	2.10%	―	-9.48%	130.30%
0111	52 Neutral	HK$628.38M	45.79	1.47%	―	22.62%	―
0139	42 Neutral	HK$224.82M	-1.34	-16.07%	―	110.52%	2.14%

Da Yu Financial Holdings Limited Corporate Events

Da Yu Financial Holdings Expands Investment in BNP Paribas Notes

Da Yu Financial Holdings Limited, through its wholly-owned subsidiary, has purchased US$1.0 million worth of notes from BNP Paribas at a discount, bringing its total holdings to US$5.8 million. This transaction, considered a discloseable transaction under Hong Kong’s Listing Rules, aims to generate a stable income stream for the company by investing surplus cash prudently. The notes, issued by a reputable global banking group, offer an attractive yield, reinforcing Da Yu’s strategy to enhance shareholder value.

The most recent analyst rating on (HK:1073) stock is a Hold with a HK$0.11 price target. To see the full list of analyst forecasts on Da Yu Financial Holdings Limited stock, see the HK:1073 Stock Forecast page.