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International Alliance Financial Leasing Co., Ltd. (HK:1563)
:1563
Hong Kong Market
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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
▲(6.11% 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 demonstrates 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. Overall, the company is on a stable financial footing but should focus on improving profitability and cash flow generation.
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 Price0.18
Price Trends
50DMA
0.20
Negative
100DMA
0.21
Negative
200DMA
0.21
Negative
Market Momentum
MACD
>-0.01
Positive
RSI
35.11
Neutral
STOCH
47.31
Neutral
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 0.18 is below the 20-day moving average (MA) of 0.19, below the 50-day MA of 0.20, and below the 200-day MA of 0.21, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 35.11 is Neutral, neither overbought nor oversold. The STOCH value of 47.31 is Neutral, 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
69
Neutral
HK$6.67B4.467.87%11.28%0.59%-5.95%
68
Neutral
HK$1.39B3.839.89%7.51%1.11%3.98%
68
Neutral
HK$342.20M5.662.75%4.88%-12.94%-15.93%
62
Neutral
$20.33B14.63-3.31%3.23%1.93%-12.26%
59
Neutral
HK$309.44M22.880.49%9.20%-76.88%
48
Neutral
HK$348.78M-2.58-56.39%-61.09%-1306.43%
47
Neutral
HK$145.11M-1.94-21.07%25.64%-25.07%
* Consumer Defensive Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
HK:1563
International Alliance Financial Leasing Co., Ltd.
0.18
-0.05
-21.74%
HK:1601
Zhongguancun Science-Tech Leasing Co. Ltd. Class H
0.87
0.19
27.94%
HK:1905
Haitong Unitrust International Financial Leasing Co., Ltd Class H
0.79
0.03
3.95%
HK:0379
China Ever Grand Financial Leasing Group Co., Ltd.
0.08
0.05
135.29%
HK:0508
Dingyi Group Investment Limited
0.40
-0.19
-32.20%
HK:6866
Zuoli Kechuang Micro-finance Co. Ltd. Class H
0.28
0.01
3.70%

International Alliance Financial Leasing Co., Ltd. Corporate Events

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.

Alliance International Education Leasing Delays Circular Dispatch
Oct 31, 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 delay, now extended to on or before November 7, 2025, is due to the need for additional time to finalize necessary information, impacting the timeline for stakeholders awaiting detailed transaction insights.

Alliance International Education Leasing Announces Loan Extensions and Compliance Measures
Oct 30, 2025

Alliance International Education Leasing Holdings Limited has announced the extension of loan maturity dates for two significant loans. The company, through its wholly-owned subsidiary, has extended the maturity dates for loans with Borrower A and Borrower B, amounting to approximately HK$47,029,000 and HK$165,000,000, respectively. These extensions have been classified as discloseable transactions under the Hong Kong Stock Exchange’s Listing Rules, necessitating this announcement to ensure compliance and transparency. The company acknowledges past non-compliance with disclosure requirements and commits to strengthening internal controls and staff training to prevent future occurrences.

Alliance International Education Leasing Delays Circular Dispatch for Finance Lease Agreement
Oct 24, 2025

Alliance International Education Leasing Holdings Limited announced a delay in the dispatch of a circular related to a major finance lease agreement. The circular, which was initially expected to be sent out by October 24, 2025, will now be postponed to on or before October 31, 2025, due to additional time needed for finalizing certain information.

International Alliance Financial Leasing Co., Ltd. Renews Major Finance Leasing Agreement
Oct 13, 2025

International Alliance Financial Leasing Co., Ltd. has announced the renewal of its Finance Leasing Framework Agreement with Nanshan Group, effective from January 1, 2026, to March 31, 2028. This agreement, which involves providing finance leasing services, is classified as a major transaction under the Hong Kong Listing Rules and requires shareholders’ approval due to its significant financial implications. The agreement also constitutes continuing connected transactions, necessitating compliance with additional regulatory requirements.

International Alliance Financial Leasing Announces Major Finance Lease Agreement
Oct 3, 2025

International Alliance Financial Leasing Co., Ltd. announced a major transaction involving a finance lease agreement. The agreement involves the company’s subsidiary purchasing leased assets from Loudi Wujo Industrial Co., Ltd. for RMB50,000,000 and leasing them back for three years for approximately RMB55,506,000. This transaction, when combined with a previous agreement, is considered a major transaction under Hong Kong’s Listing Rules, requiring shareholder approval. The company plans to hold an extraordinary general meeting to seek this approval.

International Alliance Financial Leasing Announces Disclosable Finance Lease Agreement
Sep 29, 2025

International Alliance Financial Leasing Co., Ltd. announced a finance lease agreement through its subsidiary, involving the purchase and leaseback of assets worth RMB17,000,000. This transaction, classified as a disclosable transaction under the Listing Rules, involves leasing the assets back to the original owner for thirty-six months at a total lease amount of approximately RMB18,471,000. The agreement reflects strategic financial structuring to optimize asset utilization and cash flow management.

Alliance International Faces Regulatory Hurdles in University Acquisition
Sep 5, 2025

Alliance International Education Leasing Holdings Limited announced that there has been no progress in registering Yantai Nanshan University as a for-profit private school due to unchanged legal and regulatory conditions in Shandong Province, China. Despite the lack of updates, the company remains committed to its registration intentions and will continue to provide transparency to investors as per its disclosure commitments.

Alliance International Education Leasing Announces AGM Results with Unanimous Support
Aug 29, 2025

Alliance International Education Leasing Holdings Limited announced the results of its annual general meeting held on August 29, 2025. All proposed resolutions, including the adoption of financial statements, re-election of directors, and authorization of the board to manage shares, were passed with unanimous support. This outcome reflects strong shareholder confidence and positions the company for continued stability and growth in its operations.

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