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Quanzhou Huixin Micro-credit Co., Ltd. Class H (HK:1577)
:1577
Hong Kong Market
1577
Quanzhou Huixin Micro-credit Co., Ltd. Class H
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Quanzhou Huixin Micro-credit Co., Ltd. Class H (1577) Ratios

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Quanzhou Huixin Micro-credit Co., Ltd. Class H Ratios

HK:1577's free cash flow for Q4 2025 was ¥0.98. For the 2025 fiscal year, HK:1577's free cash flow was decreased by ¥ and operating cash flow was ¥0.83. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.55 0.55 40.49 23.93 1.46K
Quick Ratio
 0.55 0.55 40.49 23.93 1.46K
Cash Ratio
 0.54 0.54 23.65 21.15 1.43K
Solvency Ratio
 0.54 0.68 5.36 1.98 0.74
Operating Cash Flow Ratio
 0.65 1.87 45.97 12.83 2.15K
Short-Term Operating Cash Flow Coverage
 0.65 1.87 0.00 0.00 0.00
Net Current Asset Value
¥ -86.52M¥ -86.52M¥ 158.44M¥ 91.74M¥ 59.76M
Leverage Ratios
Debt-to-Assets Ratio
 0.08 0.08 <0.01 <0.01 0.03
Debt-to-Equity Ratio
 0.09 0.09 <0.01 0.01 0.04
Debt-to-Capital Ratio
 0.08 0.08 <0.01 <0.01 0.03
Long-Term Debt-to-Capital Ratio
 0.00 0.00 <0.01 0.00 0.03
Financial Leverage Ratio
 1.12 1.12 1.02 1.12 1.18
Debt Service Coverage Ratio
 0.46 0.91 229.79 99.40 26.13
Interest Coverage Ratio
 150.09 185.32 287.81 141.21 43.99
Debt to Market Cap
 0.18 0.18 <0.01 0.00 0.11
Interest Debt Per Share
 0.16 0.16 <0.01 0.02 0.06
Net Debt to EBITDA
 0.63 0.37 -0.78 -0.97 -1.04
Profitability Margins
Gross Profit Margin
98.00%96.78%99.75%100.00%97.79%
EBIT Margin
93.19%93.43%72.75%87.97%72.81%
EBITDA Margin
69.28%95.04%75.27%90.95%75.44%
Operating Profit Margin
93.14%95.41%72.75%99.86%97.27%
Pretax Profit Margin
92.57%92.92%72.75%87.97%72.81%
Net Profit Margin
67.47%68.18%52.90%57.27%46.22%
Continuous Operations Profit Margin
67.56%68.28%55.57%67.32%55.15%
Net Income Per EBT
72.89%73.37%72.72%65.10%63.48%
EBT Per EBIT
99.38%97.39%100.00%88.10%74.86%
Return on Assets (ROA)
5.40%6.79%7.40%4.97%4.58%
Return on Equity (ROE)
6.16%7.57%7.52%5.59%5.38%
Return on Capital Employed (ROCE)
8.07%10.28%10.21%8.71%9.64%
Return on Invested Capital (ROIC)
5.44%6.98%7.80%6.59%19.72%
Return on Tangible Assets
5.40%6.79%7.44%5.03%4.63%
Earnings Yield
13.07%15.94%19.95%21.04%16.85%
Efficiency Ratios
Receivables Turnover
 197.55 245.66 130.44 70.33 1.05K
Payables Turnover
 0.00 0.00 0.41 0.00 23.23
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 11.56 14.37 18.15 11.45 11.92
Asset Turnover
 0.08 0.10 0.14 0.09 0.10
Working Capital Turnover Ratio
 -4.65 2.33 1.18 0.85 1.43
Cash Conversion Cycle
 1.85 1.49 -888.40 5.19 -15.37
Days of Sales Outstanding
 1.85 1.49 2.80 5.19 0.35
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 891.19 0.00 15.71
Operating Cycle
 1.85 1.49 2.80 5.19 0.35
Cash Flow Ratios
Operating Cash Flow Per Share
 0.10 0.30 0.29 0.10 0.32
Free Cash Flow Per Share
 0.10 0.30 0.21 0.10 0.31
CapEx Per Share
 <0.01 <0.01 0.08 <0.01 <0.01
Free Cash Flow to Operating Cash Flow
 0.99 0.99 0.73 1.00 0.99
Dividend Paid and CapEx Coverage Ratio
 2.07 5.96 2.27 1.97 6.04
Capital Expenditure Coverage Ratio
 81.40 186.07 3.69 261.66 132.63
Operating Cash Flow Coverage Ratio
 0.65 1.87 210.39 5.81 5.36
Operating Cash Flow to Sales Ratio
 0.62 1.43 1.15 0.60 1.64
Free Cash Flow Yield
11.81%33.22%31.73%21.86%59.28%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 7.68 6.27 5.01 4.75 5.94
Price-to-Sales (P/S) Ratio
 5.18 4.28 2.65 2.72 2.74
Price-to-Book (P/B) Ratio
 0.46 0.47 0.38 0.27 0.32
Price-to-Free Cash Flow (P/FCF) Ratio
 8.50 3.01 3.15 4.57 1.69
Price-to-Operating Cash Flow Ratio
 8.40 2.99 2.30 4.56 1.67
Price-to-Earnings Growth (PEG) Ratio
 0.16 0.82 0.14 0.71 0.13
Price-to-Fair Value
 0.46 0.47 0.38 0.27 0.32
Enterprise Value Multiple
 8.11 4.87 2.74 2.02 2.59
Enterprise Value
 642.60M 660.76M 357.78M 208.23M 257.11M
EV to EBITDA
 8.08 4.87 2.74 2.02 2.59
EV to Sales
 5.60 4.63 2.06 1.84 1.96
EV to Free Cash Flow
 9.18 3.26 2.45 3.09 1.20
EV to Operating Cash Flow
 9.07 3.24 1.79 3.08 1.19
Tangible Book Value Per Share
 1.89 1.89 1.79 1.84 1.80
Shareholders’ Equity Per Share
 1.89 1.89 1.79 1.70 1.66
Tax and Other Ratios
Effective Tax Rate
 0.27 0.27 0.24 0.23 0.24
Revenue Per Share
 0.17 0.21 0.25 0.17 0.19
Net Income Per Share
 0.11 0.14 0.13 0.10 0.09
Tax Burden
 0.73 0.73 0.73 0.65 0.63
Interest Burden
 0.99 0.99 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 <0.01 0.00 0.00 0.00 0.19
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 0.91 2.10 1.59 0.68 2.25
Currency in CNY