Quanzhou Huixin Micro-credit Co., Ltd. Class H (HK:1577)
:1577
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Quanzhou Huixin Micro-credit Co., Ltd. Class H
(1577)
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Rating:76Outperform
Price Target:
HK$1.00
▲(0.00% Upside)
Action:Reiterated
Date:04/08/26
The score is driven primarily by strong financial performance (high profitability, good cash generation, and a generally conservative balance sheet) and supportive valuation (low P/E and high dividend yield). These positives are partially offset by weaker technical momentum and fundamental volatility signals (inconsistent revenue and higher 2025 debt).
Positive Factors
Profitability
Sustained high gross and operating margins indicate durable pricing power and efficient credit underwriting for a micro-lender. Strong net margins support internal capital generation, allow continued provisioning buffers, and improve resilience to cyclical loan performance over the next several quarters.
Negative Factors
Revenue volatility
Uneven revenue trends reduce visibility into sustainable loan origination and fee income. For a micro-credit lender, inconsistent top-line growth complicates provisioning, capital planning and forecasting, making earnings and growth less predictable over a multi-quarter horizon.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability
Sustained high gross and operating margins indicate durable pricing power and efficient credit underwriting for a micro-lender. Strong net margins support internal capital generation, allow continued provisioning buffers, and improve resilience to cyclical loan performance over the next several quarters.
Read all positive factors
Quanzhou Huixin Micro-credit Co., Ltd. Class H (1577) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$700.40M
Dividend Yield5.46%
Average Volume (3M)52.67K
Price to Earnings (P/E)2.7
Beta (1Y)0.69
Revenue Growth32.46%
EPS Growth9.09%
CountryHK
Employees51
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.11
Shares Outstanding180,000,000
10 Day Avg. Volume6,000
30 Day Avg. Volume52,666
Financial Highlights & Ratios
PEG Ratio0.82
Price to Book (P/B)0.47
Price to Sales (P/S)4.28
P/FCF Ratio3.01
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 primarily makes money by earning interest income on loans it issues (i.e., the spread between the interest charged to borrowers and its funding costs). It may also generate revenue from loan-related fees (such as service, management, o...
Quanzhou Huixin Micro-credit Co., Ltd. Class H Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
86
Very Positive
Cash Flow
82
Very Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 142.77M | 173.36M | 113.18M | 131.34M | 133.56M |
| Gross Profit | 138.18M | 172.93M | 113.18M | 128.43M | 131.46M |
| EBITDA | 135.70M | 130.49M | 102.94M | 99.08M | 84.86M |
| Net Income | 97.34M | 91.71M | 64.81M | 60.70M | 42.08M |
Balance Sheet | |||||
| Total Assets | 1.43B | 1.24B | 1.30B | 1.33B | 1.37B |
| Cash, Cash Equivalents and Short-Term Investments | 59.35M | 163.10M | 111.48M | 143.27M | 43.50M |
| Total Debt | 109.33M | 951.57K | 11.64M | 40.11M | 107.70M |
| Total Liabilities | 146.45M | 17.93M | 34.36M | 86.64M | 161.14M |
| Stockholders Equity | 1.29B | 1.22B | 1.16B | 1.13B | 1.10B |
Cash Flow | |||||
| Free Cash Flow | 202.91M | 145.90M | 67.35M | 213.57M | 38.92M |
| Operating Cash Flow | 204.00M | 200.20M | 67.61M | 215.19M | 43.48M |
| Investing Cash Flow | -317.01M | -53.70M | -9.36M | -1.58M | -3.17M |
| Financing Cash Flow | 70.48M | -154.92M | -77.85M | -111.49M | -31.05M |
Quanzhou Huixin Micro-credit Co., Ltd. Class H Technical Analysis
Positive
1.00
Price Trends
1.01
Positive
1.02
Positive
0.97
Positive
Market Momentum
<0.01
Negative
57.38
Neutral
50.00
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 1 is below the 20-day moving average (MA) of 1.01, below the 50-day MA of 1.01, and above the 200-day MA of 0.97, indicating a bullish trend. The MACD of <0.01 indicates Negative momentum. The RSI at 57.38 is Neutral, neither overbought nor oversold. The STOCH value of 50.00 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | HK$700.40M | 2.73 | 6.16% | 5.46% | 32.46% | 9.09% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | HK$377.60M | 6.16 | 2.91% | 4.88% | -7.97% | 53.91% | |
52 Neutral | HK$1.01B | -1.70 | -8.70% | ― | 0.02% | -121.26% | |
47 Neutral | HK$524.99M | -0.36 | -12.57% | 9.77% | 9.41% | -219.96% |
* Financial Sector Average
HK:1577
Quanzhou Huixin Micro-credit Co., Ltd. Class H
1.03
0.07
7.29%
HK:3903
Hanhua Financial Holding Co., Ltd. Class H
0.17
0.00
0.00%
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51 Credit Card Inc.
0.61
0.36
146.96%
HK:1915
Yangzhou Guangling District Taihe Rural Micro-finance Company Limited Class H
0.27
0.00
0.00%
HK:2003
VCREDIT Holdings Limited
1.08
-2.96
-73.27%
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Zuoli Kechuang Micro-finance Co. Ltd. Class H
0.33
0.06
22.22%
Quanzhou Huixin Micro-credit Co., Ltd. Class H Corporate Events
Quanzhou Huixin Tightens Controls After Clarifying Loan Terms
Apr 1, 2026
Quanzhou Huixin Micro-credit has issued a further clarification regarding previously announced discloseable transactions related to the provision of financial assistance. The company corrected a clerical error to specify that two earlier loans eac...
Quanzhou Huixin Micro-credit Delivers Higher 2025 Profit on Strong Investment Gains
Mar 26, 2026
Quanzhou Huixin Micro-credit reported audited 2025 annual results showing net profit of RMB100.1 million, up from RMB96.3 million a year earlier, with earnings per share rising to RMB0.15. Performance was driven by solid net interest income of RMB...
Quanzhou Huixin Micro-credit Announces Final Dividend for 2025
Mar 26, 2026
Quanzhou Huixin Micro-credit Co., Ltd. has proposed a final ordinary cash dividend of RMB 0.05 per share for the financial year ended 31 December 2025, with the Hong Kong dollar equivalent and applicable exchange rate to be announced. The dividend...
Quanzhou Huixin Micro-credit Sets March Board Meeting on 2025 Results and Dividend
Mar 16, 2026
Quanzhou Huixin Micro-credit Co., Ltd., a PRC-based microfinance lender listed in Hong Kong, provides small-loan and credit services to individuals and small enterprises, serving the financing needs of customers in Quanzhou and Fujian Province.The...
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.