Global International Credit Group Ltd. (1669) AI Stock Analysis

• Market Cap: HK$308.00M
• Dividend Yield: 6.49%
• Average Volume (3M): 276.47K
• Price to Earnings (P/E): 6.7
• Beta (1Y): 0.29
• Revenue Growth: 2.95%
• EPS Growth: -9.06%
• Country: HK
• Employees: 19
• Sector: Financial
• Sector Strength: 77
• Industry: Financial - Credit Services
• EPS (TTM): 0.11
• Shares Outstanding: 400,000,000
• 10 Day Avg. Volume: 339,600
• 30 Day Avg. Volume: 276,466
• PEG Ratio: 0.00
• Price to Book (P/B): 0.23
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -6.19
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 74 Outperform
• Price Target: ―

Global International Credit Group Ltd. scores well due to its strong balance sheet and attractive valuation metrics, including a low P/E ratio and high dividend yield. However, the declining revenue trend and inconsistent cash flows are notable risks. Technical analysis indicates stable momentum with no significant warning signs, but the absence of earnings call data limits insights into future guidance and sentiment.

Global International Credit Group Ltd. Business Overview & Revenue Model

Company Description

Global International Credit Group Limited, an investment holding company, engages in money lending business in Hong Kong. It provides short-term and long-term property mortgage, and personal loans. The company was founded in 2008 and is headquartered in Central, Hong Kong. Global International Credit Group Limited is a subsidiary of Blossom Spring Global Limited.

How the Company Makes Money

Global International Credit Group Ltd. makes money through interest income generated from its loan portfolio. The company's primary revenue streams include interest charged on personal loans and mortgage loans. By providing these loans, the company earns interest over the loan term, which constitutes a significant portion of its revenue. Additionally, the company may generate income from fees related to loan origination, late payments, and other financial services offered to its clients. Key factors contributing to its earnings include the company's ability to effectively manage credit risk, maintain a competitive interest rate structure, and expand its client base while adhering to regulatory requirements.

Global International Credit Group Ltd. Financial Statement Overview

Summary

Global International Credit Group Ltd. demonstrates strong profitability and a robust balance sheet with minimal debt. However, declining revenue and inconsistent cash flows represent potential risks. The company's financial position is generally strong, but attention to revenue growth and cash flow stabilization is necessary.

Income Statement

The company's gross and net profit margins are strong, with a healthy EBIT margin indicating efficient operations. However, revenue has shown a declining trend from 2020 to 2024, suggesting challenges in maintaining revenue growth.

Balance Sheet

The company exhibits a robust equity position with a high equity ratio, indicating financial stability. The debt-to-equity ratio is favorable, with total debt being minimal in recent years, reducing financial risk.

Cash Flow

The company experienced fluctuating free cash flow with significant growth in 2020 but a decline in subsequent years. Operating cash flow has been inconsistent, affecting cash flow stability.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
83.26M	84.84M	89.78M	85.63M	99.52M
	Gross Profit
83.26M	85.30M	86.17M	81.70M	95.07M
	EBIT
62.05M	66.32M	62.41M	62.91M	76.59M
	EBITDA
60.95M	66.29M	66.01M	66.84M	81.04M
	Net Income Common Stockholders
45.76M	50.30M	50.96M	52.52M	64.17M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
181.82M	52.32M	52.87M	83.81M	134.86M
	Total Assets
953.73M	930.74M	943.94M	905.46M	898.92M
	Total Debt
0.00	6.63M	47.60M	43.95M	50.14M
	Net Debt
-181.82M	-56.26M	-5.27M	-39.86M	-84.72M
	Total Liabilities
12.85M	15.62M	47.60M	43.95M	50.14M
	Stockholders Equity
940.88M	915.12M	885.22M	855.46M	841.34M
Cash Flow		Free Cash Flow
0.00	66.99M	-32.33M	16.11M	249.99M
	Operating Cash Flow
0.00	82.04M	-32.23M	16.46M	250.00M
	Investing Cash Flow
0.00	-13.50M	-79.00K	-348.00K	28.00K
	Financing Cash Flow
0.00	-67.38M	1.14M	-66.62M	-147.39M

Global International Credit Group Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 0.77
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1669, the sentiment is Positive. The current price of 0.77 is above the 20-day moving average (MA) of 0.70, above the 50-day MA of 0.62, and above the 200-day MA of 0.56, indicating a bullish trend. The MACD of 0.05 indicates Negative momentum. The RSI at 70.84 is Negative, neither overbought nor oversold. The STOCH value of 51.11 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:1669.

Global International Credit Group Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
1669	74 Outperform	HK$308.00M	6.73	4.93%	6.49%	2.95%	-9.06%
Sector *	65 Neutral	$12.93B	9.81	7.84%	78.03%	12.20%	-7.74%
SCBFF		$36.26B	10.51	8.79%	3.53%	―	―
PINXF		$47.09B	4.70	17.85%	2.52%	―	―
TRSBF		$7.33B	27.80	14.19%	1.03%	―	―
8139	57 Neutral	HK$85.49M	38.27	1.08%	―	17.93%	-48.93%
3798	44 Neutral	HK$1.54B	18.03	-3.75%	8.33%	-23.76%	-116.71%

Global International Credit Group Ltd. Corporate Events

Global International Credit Group Announces Annual General Meeting and Key Resolutions

Global International Credit Group Limited has announced its annual general meeting scheduled for June 4, 2025, where key resolutions will be discussed. These include the adoption of the company’s financial statements, declaration of a final dividend, re-election of directors, re-appointment of auditors, and authorization for directors to manage share capital issuance. These resolutions are crucial for the company’s governance and financial strategy, potentially impacting its market positioning and stakeholder interests.

Global International Credit Group Reports 2024 Financial Results

Global International Credit Group Limited announced its audited final results for the year ended 31 December 2024, reporting a slight increase in revenue to HK$89,879,000 from HK$87,860,000 in 2023. Despite the revenue growth, the company experienced a decrease in profit to HK$45,760,000 from HK$50,304,000 the previous year, attributed to higher impairment losses on financial assets and intangible assets.

Global International Credit Group Ltd. Declares Final Dividend for 2024

Global International Credit Group Ltd. has announced a final cash dividend of HKD 0.05 per share for the year ending December 31, 2024. The dividend will be paid on June 30, 2025, following shareholder approval on June 4, 2025. This announcement reflects the company’s financial performance and commitment to delivering value to its shareholders.

Global International Credit Group to Review Annual Results and Dividend

Global International Credit Group Limited has announced that its board of directors will meet on March 28, 2025, to consider and potentially approve the company’s annual results for the year ending December 31, 2024. The meeting will also address the potential declaration of a final dividend, which could impact the company’s financial strategy and shareholder returns.

Global International Credit Group Provides HK$23 Million Secured Loan

Global International Credit Group Limited announced a discloseable transaction involving the provision of a secured loan amounting to HK$23,000,000 with a 24-month term to a customer. This secured loan, which has a first legal charge on a residential property and car parking spaces valued at HK$40,000,000, carries an interest rate of 11.5% per annum. This transaction, categorized under the company’s discloseable transactions, aligns with the regulatory framework of the Hong Kong Stock Exchange, potentially enhancing the company’s portfolio in the financial assistance sector.