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International Alliance Financial Leasing Co., Ltd. (HK:1563)
:1563
Hong Kong Market

International Alliance Financial Leasing Co., Ltd. (1563) AI Stock Analysis

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HK:1563

International Alliance Financial Leasing Co., Ltd.

(1563)

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Neutral 59 (OpenAI - 4o)
Rating:59Neutral
Price Target:
HK$0.19
▲(12.35% Upside)
The stock's overall score is primarily influenced by its solid financial performance and reasonable valuation. However, technical indicators suggest bearish momentum, which weighs down the score. The absence of earnings call insights and corporate events means these factors do not influence the score.
Positive Factors
Revenue Growth
Strong revenue growth indicates the company's ability to expand its market presence and successfully attract more customers, enhancing its long-term business prospects.
Balance Sheet Health
A low debt-to-equity ratio suggests conservative financial management, providing the company with flexibility to invest in growth opportunities and weather economic downturns.
Cash Generation Ability
A strong cash conversion ratio indicates effective cash management, allowing the company to reinvest in its business, pay down debt, or return capital to shareholders.
Negative Factors
Profitability Margins
Low net profit margins suggest challenges in cost management or pricing power, potentially limiting the company's ability to generate sustainable profits over time.
Free Cash Flow Decline
A decline in free cash flow growth can signal potential cash management issues, impacting the company's ability to fund operations and growth initiatives.
Mixed Profitability Margins
Mixed profitability margins indicate moderate operational efficiency, which may hinder the company's ability to improve profitability and compete effectively in the market.

International Alliance Financial Leasing Co., Ltd. (1563) vs. iShares MSCI Hong Kong ETF (EWH)

International Alliance Financial Leasing Co., Ltd. Business Overview & Revenue Model

Company DescriptionAlliance International Education Leasing Holdings Ltd. is engaged in the provision of finance leasing and advisory services. The company was founded on January 19, 2015 and is headquartered in Beijing, China.
How the Company Makes MoneyThe company primarily generates revenue through its leasing services, which involve charging clients periodic lease payments for the use of equipment and assets over a specified term. Key revenue streams include operational leasing, where clients use assets without the intention of ownership, and financial leasing, which allows clients to eventually purchase the equipment at the end of the lease term. Additionally, International Alliance Financial Leasing may earn income from ancillary services such as maintenance, insurance, and asset management. Strategic partnerships with equipment manufacturers and suppliers enhance its service offerings, providing clients with competitive leasing options and contributing to the company's overall profitability.

International Alliance Financial Leasing Co., Ltd. Financial Statement Overview

Summary
The company shows strong revenue growth and a solid balance sheet with low leverage. However, profitability margins are mixed, and recent declines in free cash flow growth highlight potential cash management challenges.
Income Statement
65
Positive
The company shows a strong revenue growth rate of 22.6% in the latest year, indicating positive momentum. However, the net profit margin is relatively low at 3.57%, suggesting potential challenges in cost management or pricing power. The gross profit margin is healthy at 42.37%, but the EBIT margin of 20.55% reflects moderate operational efficiency.
Balance Sheet
70
Positive
The balance sheet is stable with a low debt-to-equity ratio of 0.048, indicating conservative leverage. The return on equity is modest at 1.08%, suggesting limited profitability relative to shareholder equity. The equity ratio is strong, reflecting a solid capital structure with significant equity backing.
Cash Flow
55
Neutral
The cash flow statement reveals a significant decline in free cash flow growth at -54.37%, which could indicate cash management issues. However, the operating cash flow to net income ratio is healthy, suggesting good cash generation relative to net income. The free cash flow to net income ratio is robust at 81.54%, indicating effective cash conversion.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue599.30M734.76M599.30M207.65M158.33M126.01M
Gross Profit599.30M311.33M599.30M207.65M158.33M126.01M
EBITDA940.88M265.48M940.88M0.000.000.00
Net Income112.09M26.26M112.09M360.39M78.90M16.61M
Balance Sheet
Total Assets3.68B3.78B3.68B4.17B2.44B3.11B
Cash, Cash Equivalents and Short-Term Investments191.45M224.46M191.45M125.83M141.82M35.70M
Total Debt71.66M118.54M71.66M367.19M796.56M1.49B
Total Liabilities878.34M877.12M878.34M1.58B796.56M1.49B
Stockholders Equity2.38B2.44B2.38B2.24B1.27B1.20B
Cash Flow
Free Cash Flow520.08M237.29M520.08M149.65M794.77M226.36M
Operating Cash Flow764.69M291.00M764.69M151.26M796.33M226.43M
Investing Cash Flow-567.70M-355.38M-567.70M-266.57M76.35M-139.29M
Financing Cash Flow-149.10M-75.66M-149.10M90.78M-762.86M-306.12M

International Alliance Financial Leasing Co., Ltd. Technical Analysis

Technical Analysis Sentiment
Negative
Last Price0.17
Price Trends
50DMA
0.18
Negative
100DMA
0.19
Negative
200DMA
0.20
Negative
Market Momentum
MACD
>-0.01
Negative
RSI
49.79
Neutral
STOCH
91.18
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1563, the sentiment is Negative. The current price of 0.17 is above the 20-day moving average (MA) of 0.17, below the 50-day MA of 0.18, and below the 200-day MA of 0.20, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 49.79 is Neutral, neither overbought nor oversold. The STOCH value of 91.18 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:1563.

International Alliance Financial Leasing Co., Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (62)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
71
Outperform
HK$6.51B4.357.87%11.28%0.59%-5.95%
64
Neutral
HK$1.37B3.789.89%7.43%1.11%3.98%
64
Neutral
HK$430.70M7.132.75%4.88%-12.94%-15.93%
62
Neutral
$20.33B14.63-3.31%3.23%1.93%-12.26%
59
Neutral
HK$279.00M20.880.49%8.77%-76.88%
48
Neutral
HK$595.47M-0.89-56.39%-61.09%-1306.43%
42
Neutral
HK$107.99M-1.42-21.07%25.64%-25.07%
* Consumer Defensive Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
HK:1563
International Alliance Financial Leasing Co., Ltd.
0.17
-0.04
-21.23%
HK:1601
Zhongguancun Science-Tech Leasing Co. Ltd. Class H
0.85
0.10
13.33%
HK:1905
Haitong Unitrust International Financial Leasing Co., Ltd Class H
0.78
-0.05
-6.02%
HK:0379
China Ever Grand Financial Leasing Group Co., Ltd.
0.06
-0.06
-47.46%
HK:0508
Dingyi Group Investment Limited
0.73
0.29
65.91%
HK:6866
Zuoli Kechuang Micro-finance Co. Ltd. Class H
0.38
0.10
35.71%

International Alliance Financial Leasing Co., Ltd. Corporate Events

Alliance International Education Leasing Signs New RMB27 Million Finance Lease, Triggering Discloseable Transaction Status
Jan 22, 2026

Alliance International Education Leasing Holdings Limited has entered into a new finance lease transaction through its subsidiary, signing Finance Lease Agreement II on 22 January 2026 with an independent third-party lessee. Under this latest deal, the subsidiary will purchase leased assets from the lessee for RMB27 million and lease them back over 36 months for a total lease consideration of about RMB29.34 million, while a prior agreement signed on 24 October 2025 with the same lessee involved RMB13 million in assets and a 36‑month lease totaling approximately RMB14.12 million. Because the two agreements involve the same counterparty and are treated as one transaction under Hong Kong listing rules, their aggregate size pushes the relevant percentage ratios above 5% but below 25%, making Finance Lease Agreement II a discloseable transaction subject to notification and announcement requirements, underscoring the growing scale of the company’s leasing portfolio and its compliance obligations under Chapter 14 of the Listing Rules.

The most recent analyst rating on (HK:1563) stock is a Hold with a HK$0.17 price target. To see the full list of analyst forecasts on International Alliance Financial Leasing Co., Ltd. stock, see the HK:1563 Stock Forecast page.

Alliance International Education Leasing Signs RMB50 Million Sale-and-Leaseback Deal
Dec 30, 2025

Alliance International Education Leasing Holdings Limited has entered into a new finance lease transaction through one of its subsidiaries, under which it will purchase certain leased assets from an independent third-party lessee for RMB50 million and lease them back over 36 months for a total lease amount of approximately RMB55.506 million, covering both principal and interest. The deal, sized between 5% and 25% of the company’s applicable percentage ratios under Hong Kong Listing Rules, is classified as a disclosable transaction, underscoring the ongoing expansion of its leasing portfolio and signalling continued use of sale-and-leaseback structures to deploy capital and generate interest income, with implications for revenue visibility and balance-sheet growth.

The most recent analyst rating on (HK:1563) stock is a Hold with a HK$0.19 price target. To see the full list of analyst forecasts on International Alliance Financial Leasing Co., Ltd. stock, see the HK:1563 Stock Forecast page.

Alliance International Education Leasing Announces New Finance Lease Agreement
Dec 17, 2025

Alliance International Education Leasing Holdings Limited announced a new finance lease agreement where its subsidiary, acting as the lessor, acquired leased assets from the lessee for RMB36,400,000. The agreement includes a leaseback arrangement with a 36-month term and a total lease amount of RMB39,548,000, reflecting the company’s commitment to flexible financial arrangements. This transaction aligns with disclosure requirements under Hong Kong’s Listing Rules and highlights the company’s robust approach to structuring and executing significant transactions, enhancing its market presence. Stakeholders may view this as a strategic step towards strengthening its asset management capabilities and reinforcing industry positioning.

The most recent analyst rating on (HK:1563) stock is a Hold with a HK$0.19 price target. To see the full list of analyst forecasts on International Alliance Financial Leasing Co., Ltd. stock, see the HK:1563 Stock Forecast page.

Alliance International Approves 2026 Finance Leasing Agreement
Dec 4, 2025

Alliance International Education Leasing Holdings Limited held an extraordinary general meeting on December 4, 2025, where key resolutions were passed. The meeting approved the 2026 Finance Leasing Framework Agreement with Nanshan Group Co., Ltd., which involves the provision of finance leasing services by the company to Nanshan Group. This agreement is expected to strengthen the company’s market position and expand its service offerings, potentially benefiting stakeholders through increased business opportunities.

The most recent analyst rating on (HK:1563) stock is a Hold with a HK$0.19 price target. To see the full list of analyst forecasts on International Alliance Financial Leasing Co., Ltd. stock, see the HK:1563 Stock Forecast page.

Alliance International Education Leasing Reports Mixed Interim Results
Nov 20, 2025

Alliance International Education Leasing Holdings Limited reported its interim financial results for the six months ending September 30, 2025. The company saw a revenue increase to approximately RMB372.7 million, up from RMB334.7 million in the same period in 2024. However, profit for the period decreased to RMB102.7 million from RMB129.1 million. Despite the decline in profit, the company’s total assets grew by 8% to RMB4,078.0 million, and shareholders’ equity increased by 3.3% to RMB2,993.5 million. The return on equity was 3.4%, and the return on total assets was 2.5%. These results indicate a mixed performance with growth in revenue and assets but a decrease in profitability, which may affect stakeholder confidence.

Alliance International Education Leasing to Discuss Key Finance Agreements at EGM
Nov 17, 2025

Alliance International Education Leasing Holdings Limited has announced an extraordinary general meeting to discuss and potentially approve two key finance leasing agreements. The first agreement is the 2026 Finance Leasing Framework Agreement with Nanshan Group Co., Ltd., which involves the provision of finance leasing services. The second is a Finance Lease Agreement, both of which are set to be ratified and implemented by the company’s directors. These agreements are expected to enhance the company’s operational capabilities and strengthen its market position.

Alliance International Education Leasing Announces Further Delay in Circular Dispatch
Nov 14, 2025

Alliance International Education Leasing Holdings Limited announced a further delay in the dispatch of a circular related to a major finance lease agreement. The circular, which was initially expected by 14 November 2025, will now be dispatched on or before 20 November 2025 due to additional time needed for preparation. This delay may impact stakeholders awaiting detailed information on the finance lease agreement and related transactions.

Alliance International Education Leasing Delays Circular Dispatch for 2026 Framework Agreement
Nov 11, 2025

Alliance International Education Leasing Holdings Limited has announced a further delay in the dispatch of its circular related to the 2026 Finance Leasing Framework Agreement with Nanshan Group. This postponement, now set for on or before November 20, 2025, is due to the additional time required to finalize the necessary information, potentially impacting stakeholders awaiting detailed insights and recommendations on the agreement.

Alliance International Education Leasing Delays Circular Dispatch
Nov 7, 2025

Alliance International Education Leasing Holdings Limited has announced a further delay in the dispatch of a circular related to a major finance lease agreement. The circular, which was initially expected to be distributed by 7 November 2025, will now be postponed to on or before 14 November 2025 due to the need for additional time to finalize certain information.

Alliance International Education Leasing to Review Interim Results
Nov 5, 2025

Alliance International Education Leasing Holdings Limited has announced that its board of directors will meet on November 20, 2025, to consider and approve the interim results for the six months ending September 30, 2025. This meeting is significant as it will address the company’s financial performance and any other business matters, potentially impacting its market positioning and stakeholder interests.

Alliance International Education Leasing Delays Circular Dispatch for 2026 Framework Agreement
Nov 4, 2025

Alliance International Education Leasing Holdings Limited has announced a delay in the dispatch of a circular related to the 2026 Finance Leasing Framework Agreement with Nanshan Group. The postponement is due to the need for additional time to prepare and finalize the necessary information, with the new dispatch date set on or before 11 November 2025.

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.Date of analysis: Nov 18, 2025