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Quanzhou Huixin Micro-credit Co., Ltd. Class H (HK:1577)
:1577
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Quanzhou Huixin Micro-credit Co., Ltd. Class H
(1577)
Select Model
Select Model
Rating:82Outperform
Price Target:
HK$1.00
â–²(9.89% Upside)
The overall stock score of 81.9 reflects strong financial performance and attractive valuation. The company's robust revenue and profit growth, efficient cost management, and solid balance sheet contribute significantly to the score. The low P/E ratio and high dividend yield enhance its attractiveness. Technical indicators show moderate strength, supporting a positive outlook.
Quanzhou Huixin Micro-credit Co., Ltd. Class H (1577) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$618.80M
Dividend Yield6%
Average Volume (3M)52.67K
Price to Earnings (P/E)5.6
Beta (1Y)0.47
Revenue Growth-24.04%
EPS Growth60.24%
CountryHK
Employees51
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.07
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 Target
HK$1.00Price Target Upside9.89% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering0
Quanzhou Huixin Micro-credit Co., Ltd. Class H Business Overview & Revenue Model
Company DescriptionQuanzhou Huixin Micro-credit Co., Ltd. is a financial services company based in Quanzhou, China, specializing in providing micro-loans and credit solutions to individuals and small businesses. Operating primarily in the micro-financing sector, the company aims to support underserved markets by offering accessible financial products tailored to the needs of its clients. With a focus on fostering economic growth and entrepreneurship, Huixin Micro-credit leverages technology to streamline its loan application processes and enhance customer service.
How the Company Makes MoneyThe 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 small businesses that may not have established credit histories. In addition to interest income, Quanzhou Huixin Micro-credit may also charge fees for loan processing and other financial services. The company may benefit from partnerships with local businesses and government programs aimed at promoting economic development, which can enhance its client base and, consequently, its revenue streams. Moreover, effective risk management practices help minimize defaults, thereby stabilizing income.
Quanzhou Huixin Micro-credit Co., Ltd. Class H Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
78
Positive
Cash Flow
80
Positive
| Breakdown | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 173.36M | 113.18M | 131.34M | 133.56M | 74.42M |
| Gross Profit | 172.93M | 113.18M | 128.43M | 131.46M | 74.42M |
| EBITDA | 130.49M | 102.94M | 99.08M | 84.86M | 0.00 |
| Net Income | 91.71M | 64.81M | 60.70M | 42.08M | 41.10M |
Balance Sheet | |||||
| Total Assets | 1.24B | 1.30B | 1.33B | 1.37B | 1.31B |
| Cash, Cash Equivalents and Short-Term Investments | 163.10M | 111.48M | 143.27M | 43.50M | 49.69M |
| Total Debt | 951.57K | 11.64M | 40.11M | 107.70M | 50.22M |
| Total Liabilities | 17.93M | 34.36M | 86.64M | 161.14M | 80.30M |
| Stockholders Equity | 1.22B | 1.16B | 1.13B | 1.10B | 1.09B |
Cash Flow | |||||
| Free Cash Flow | 145.90M | 67.35M | 213.57M | 38.92M | 59.01M |
| Operating Cash Flow | 200.20M | 67.61M | 215.19M | 43.48M | 68.74M |
| Investing Cash Flow | -53.70M | -9.36M | -1.58M | -3.17M | -7.87M |
| Financing Cash Flow | -154.92M | -77.85M | -111.49M | -31.05M | -76.95M |
Quanzhou Huixin Micro-credit Co., Ltd. Class H Technical Analysis
Positive
0.91
Price Trends
0.91
Positive
0.91
Negative
0.87
Positive
Market Momentum
<0.01
Negative
51.19
Neutral
69.57
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1577, the sentiment is Positive. The current price of 0.91 is above the 20-day moving average (MA) of 0.90, above the 50-day MA of 0.91, and above the 200-day MA of 0.87, indicating a bullish trend. The MACD of <0.01 indicates Negative momentum. The RSI at 51.19 is Neutral, neither overbought nor oversold. The STOCH value of 69.57 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
82 Outperform | HK$618.80M | 5.65 | 8.46% | 6.00% | -24.04% | 60.24% | |
74 Outperform | HK$336.00M | 6.86 | 5.24% | 5.07% | -1.47% | 2.86% | |
68 Neutral | HK$1.37B | 3.78 | 9.89% | 7.60% | 1.11% | 3.98% | |
68 Neutral | HK$348.10M | 6.53 | 2.48% | 4.71% | -25.70% | -39.65% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
HK:1577
Quanzhou Huixin Micro-credit Co., Ltd. Class H
0.91
0.22
31.88%
HK:1601
Zhongguancun Science-Tech Leasing Co. Ltd. Class H
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0.10
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Global International Credit Group Ltd.
0.84
0.31
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Yangzhou Guangling District Taihe Rural Micro-finance Company Limited Class H
0.26
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-55.93%
HK:6866
Zuoli Kechuang Micro-finance Co. Ltd. Class H
0.30
0.02
7.14%
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.