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

• Market Cap: HK$344.00M
• Dividend Yield: 5.37%
• Average Volume (3M): 132.47K
• Price to Earnings (P/E): 7.0
• Beta (1Y): 0.23
• Revenue Growth: -1.47%
• EPS Growth: 2.86%
• Country: HK
• Employees: 19
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.07
• Shares Outstanding: 400,000,000
• 10 Day Avg. Volume: 101,600
• 30 Day Avg. Volume: 132,466
• PEG Ratio: -0.33
• Price to Book (P/B): 0.25
• Price to Sales (P/S): 2.79
• P/FCF Ratio: 1.54
• 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
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 71 Outperform
• Price Target: HK$1.00 ▲(16.28% Upside)

The overall stock score of 71 reflects a strong valuation with an attractive dividend yield and low P/E ratio, which are significant positives. However, the declining revenue and inconsistent cash flows present risks, and the technical indicators suggest a bearish trend, which tempers the overall score.

Positive Factors

Strong Profitability

Strong profitability indicates efficient operations, which can support sustainable growth and provide a buffer against economic downturns.

Solid Balance Sheet

A solid balance sheet with minimal debt enhances financial stability, reducing risk and providing flexibility for future investments.

Minimal Debt

Minimal debt levels reduce financial risk and interest obligations, allowing more resources to be allocated to growth initiatives.

Negative Factors

Declining Revenue

A declining revenue trend may indicate challenges in market demand or competitive pressures, potentially impacting long-term growth prospects.

Inconsistent Cash Flows

Inconsistent cash flows can hinder the company's ability to fund operations and growth, posing a risk to financial health and sustainability.

Revenue Growth Challenges

Negative revenue growth reflects potential difficulties in expanding market share or product offerings, which could limit future profitability.

Global International Credit Group Ltd. Business Overview & Revenue Model

Company Description

Global International Credit Group Ltd. (1669) is a financial services company that specializes in providing credit solutions and financial products to a diverse range of clients, including individuals, small to medium-sized enterprises (SMEs), and large corporations. The company operates primarily in the credit and lending sectors, focusing on consumer loans, business financing, and other financial services designed to meet the varying needs of its clientele. With a commitment to enhancing financial accessibility, Global International Credit Group Ltd. leverages technology and innovative practices to streamline its services and improve customer experience.

How the Company Makes Money

Global International Credit Group Ltd. generates revenue through a variety of key streams, primarily centered around interest income from loans and credit facilities provided to customers. The company charges interest on loans, which constitutes a significant portion of its earnings. Additionally, it may earn fees for loan origination, processing, and servicing, further contributing to its revenue. Partnerships with financial institutions and technology providers enable the company to enhance its product offerings and reach a broader market. Furthermore, the company may also engage in cross-selling financial products, such as insurance or investment services, which can provide supplementary income. Overall, its diverse portfolio and strategic alliances play a crucial role in driving its financial performance.

Global International Credit Group Ltd. Financial Statement Overview

Summary

Global International Credit Group Ltd. demonstrates strong profitability and a solid balance sheet with minimal debt. However, the 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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	85.28M	83.26M	84.84M	90.54M	85.63M	103.31M
Gross Profit	85.28M	83.26M	85.30M	86.93M	85.63M	99.52M
EBITDA	66.60M	60.95M	66.29M	66.01M	66.84M	81.04M
Net Income	48.95M	45.76M	50.30M	50.96M	52.52M	64.17M
Balance Sheet
Total Assets	963.86M	953.73M	930.74M	943.94M	905.46M	898.92M
Cash, Cash Equivalents and Short-Term Investments	285.07M	181.82M	52.32M	51.16M	83.81M	134.86M
Total Debt	2.92M	3.59M	6.63M	47.60M	43.95M	50.14M
Total Liabilities	15.08M	12.85M	15.62M	58.72M	50.00M	57.58M
Stockholders Equity	948.77M	940.88M	915.12M	885.22M	855.46M	841.34M
Cash Flow
Free Cash Flow	179.65M	150.62M	66.99M	-32.33M	16.11M	249.99M
Operating Cash Flow	179.66M	152.25M	82.04M	-32.23M	16.46M	250.00M
Investing Cash Flow	-25.06M	570.00K	-13.50M	-79.00K	-348.00K	28.00K
Financing Cash Flow	-22.44M	-23.32M	-67.38M	1.14M	-66.62M	-147.39M

Global International Credit Group Ltd. Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 0.86
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1669, the sentiment is Neutral. The current price of 0.86 is below the 20-day moving average (MA) of 0.87, above the 50-day MA of 0.85, and above the 200-day MA of 0.71, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 48.67 is Neutral, neither overbought nor oversold. The STOCH value of 38.10 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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	71 Outperform	HK$344.00M	7.03	5.24%	5.37%	-1.47%	2.86%
6866	68 Neutral	HK$318.60M	5.27	2.75%	5.15%	-12.94%	-15.93%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
1563	59 Neutral	HK$312.82M	23.13	0.49%	―	8.77%	-76.88%
1543	58 Neutral	HK$476.04M	10.66	2.04%	6.80%	-15.82%	2.51%
0605	55 Neutral	HK$174.00M	5.79	4.83%	―	-25.74%	―
0508	48 Neutral	HK$340.27M	-0.52	-56.39%	―	-61.09%	-1306.43%

Global International Credit Group Ltd. Corporate Events

Global International Credit Group Announces New Loan Agreement

Global International Credit Group Limited announced a new loan agreement where its subsidiary, GICL, will provide a secured loan of HK$35,000,000 to a customer for a 12-month term. This loan will be used to settle an outstanding principal from a previous loan agreement. The transaction, considered discloseable under Hong Kong’s Listing Rules, involves a first legal charge on a residential property and two car parking spaces as security, with an interest rate of 11.5% per annum. This move is part of the company’s ongoing operations in the money lending sector, potentially impacting its financial positioning and obligations under the Listing Rules.