Quanzhou Huixin Micro-credit Co., Ltd. Class H (HK:1577)
:1577
Top Page
Quanzhou Huixin Micro-credit Co., Ltd. Class H
(1577)
Select Model
Select Model
Rating:79Outperform
Price Target:
HK$1.00
â–²(0.00% Upside)
Action:ReiteratedDate:10/31/25
The overall stock score of 79 for HK:1577 is primarily driven by strong financial performance, with exceptional revenue growth and a stable balance sheet. A favorable valuation with a low P/E ratio and high dividend yield further supports the score. Technical analysis indicates moderate bullish momentum, though potential overbought conditions warrant caution. The score reflects a positive outlook with solid fundamentals as the key strength.
Positive Factors
Balance Sheet Health
A low debt-to-equity ratio indicates minimal leverage, reducing financial risk and enhancing the company's stability and resilience.
Negative Factors
Revenue Decline
A decline in revenue growth suggests potential challenges in market demand or competitive pressures, which could impact future earnings.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance Sheet Health
A low debt-to-equity ratio indicates minimal leverage, reducing financial risk and enhancing the company's stability and resilience.
Read all positive factors
Quanzhou Huixin Micro-credit Co., Ltd. Class H (1577) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$680.00M
Dividend Yield5.46%
Average Volume (3M)52.67K
Price to Earnings (P/E)7.3
Beta (1Y)0.64
Revenue Growth-24.04%
EPS Growth60.24%
CountryHK
Employees51
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.09
Shares Outstanding180,000,000
10 Day Avg. Volume6,000
30 Day Avg. Volume52,666
Financial Highlights & Ratios
PEG Ratio0.14
Price to Book (P/B)0.38
Price to Sales (P/S)2.65
P/FCF Ratio3.15
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Quanzhou Huixin Micro-credit Co., Ltd. Class H Business Overview & Revenue Model
Company Description
Quanzhou Huixin Micro-credit Co., Ltd., a microfinance company, provides various short-term financing solutions in the People's Republic of China. It offers revolving credit facilities, joint-guaranteed loans, targeted payment loans, bridge loans,...
How the Company Makes Money
The company generates revenue primarily through interest on the micro-loans it provides. These loans typically come with higher interest rates than traditional banking products, reflecting the higher risk associated with lending to individuals and...
Quanzhou Huixin Micro-credit Co., Ltd. Class H Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
90
Very Positive
Cash Flow
75
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 153.29M | 173.36M | 113.18M | 131.34M | 133.56M | 74.42M |
| Gross Profit | 152.85M | 172.93M | 113.18M | 128.43M | 131.46M | 74.42M |
| EBITDA | 52.18M | 130.49M | 102.94M | 99.08M | 84.86M | 0.00 |
| Net Income | 79.97M | 91.71M | 64.81M | 60.70M | 42.08M | 41.10M |
Balance Sheet | ||||||
| Total Assets | 1.32B | 1.24B | 1.30B | 1.33B | 1.37B | 1.31B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 163.10M | 111.48M | 143.27M | 43.50M | 49.69M |
| Total Debt | 0.00 | 951.57K | 11.64M | 40.11M | 107.70M | 50.22M |
| Total Liabilities | 92.35M | 17.93M | 34.36M | 86.64M | 161.14M | 80.30M |
| Stockholders Equity | 1.23B | 1.22B | 1.16B | 1.13B | 1.10B | 1.09B |
Cash Flow | ||||||
| Free Cash Flow | 27.32M | 145.90M | 67.35M | 213.57M | 38.92M | 59.01M |
| Operating Cash Flow | 28.65M | 200.20M | 67.61M | 215.19M | 43.48M | 68.74M |
| Investing Cash Flow | -467.74K | -53.70M | -9.36M | -1.58M | -3.17M | -7.87M |
| Financing Cash Flow | -43.43M | -154.92M | -77.85M | -111.49M | -31.05M | -76.95M |
Quanzhou Huixin Micro-credit Co., Ltd. Class H Technical Analysis
Negative
1.00
Price Trends
1.03
Negative
1.01
Negative
0.96
Positive
Market Momentum
>-0.01
Positive
38.32
Neutral
60.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1577, the sentiment is Negative. The current price of 1 is below the 20-day moving average (MA) of 1.03, below the 50-day MA of 1.03, and above the 200-day MA of 0.96, indicating a neutral trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 38.32 is Neutral, neither overbought nor oversold. The STOCH value of 60.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:1577.
Quanzhou Huixin Micro-credit Co., Ltd. Class H Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | HK$680.00M | 7.26 | 6.53% | 5.46% | -24.04% | 60.24% | |
71 Outperform | HK$388.00M | 6.89 | 5.52% | 5.43% | -1.47% | 2.86% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | HK$371.70M | 5.31 | 2.79% | 4.88% | -12.94% | -15.93% | |
65 Neutral | HK$1.37B | 4.31 | 8.51% | 7.43% | 1.11% | 3.98% |
* Financial Sector Average
HK:1577
Quanzhou Huixin Micro-credit Co., Ltd. Class H
1.00
0.19
23.46%
HK:1601
Zhongguancun Science-Tech Leasing Co. Ltd. Class H
0.85
0.14
19.72%
HK:1669
Global International Credit Group Ltd.
0.97
0.49
102.08%
HK:1915
Yangzhou Guangling District Taihe Rural Micro-finance Company Limited Class H
0.27
0.00
0.00%
HK:6866
Zuoli Kechuang Micro-finance Co. Ltd. Class H
0.32
0.05
21.15%
Quanzhou Huixin Micro-credit Co., Ltd. Class H Corporate Events
Quanzhou Huixin Tightens Controls After Disclosed Loans Fully Settled
Jan 7, 2026
Quanzhou Huixin Micro-credit has clarified that five loans previously disclosed as part of its financial assistance transactions, with principal amounts ranging from RMB10 million to RMB30.2 million and granted between November 2020 and December 2...
Quanzhou Huixin Micro-credit Discloses Series of Settled High-Yield Loan Transactions
Dec 30, 2025
Quanzhou Huixin Micro-credit Co., Ltd. has disclosed a series of loan transactions entered into between July 2022 and December 2023, involving multiple borrowers and its non-wholly owned subsidiary JJHX, with individual loan principals ranging fro...
Quanzhou Huixin Micro-credit Co., Ltd. Enters Loan Agreement
Dec 12, 2025
Quanzhou Huixin Micro-credit Co., Ltd., a company established in the People’s Republic of China, has entered into a Loan Agreement to provide financial assistance to a customer. The agreement involves a loan of RMB27.5 million at an interest...
Quanzhou Huixin Micro-credit Announces Discloseable Loan Transaction
Dec 12, 2025
Quanzhou Huixin Micro-credit Co., Ltd. announced a discloseable transaction involving the provision of financial assistance through a loan agreement with a customer. The loan, amounting to RMB30.2 million with an interest rate of 21.6% per annum, ...
Quanzhou Huixin Micro-credit Co., Ltd. Announces Discloseable Loan Transaction
Dec 12, 2025
Quanzhou Huixin Micro-credit Co., Ltd. announced a discloseable transaction involving the provision of financial assistance through a loan agreement with a customer. The loan, amounting to RMB25.6 million with an interest rate of 15.6% per annum, ...
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.