Global International Credit Group Ltd. (HK:1669)
:1669
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Global International Credit Group Ltd.
(1669)
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Rating:83Outperform
Price Target:
HK$1.50
▲(63.04% Upside)
Action:Reiterated
Date:06/09/26
The score is driven primarily by strong financial quality (high margins and exceptionally low leverage), supported by a clear technical uptrend. Valuation is reasonable with a moderate dividend yield, while the main risk is the persistent revenue decline—especially the sharp 2025 drop—and historically uneven cash-flow consistency.
Positive Factors
Balance Sheet Strength
Ultra-low leverage and a large equity base provide durable financial flexibility, lowering refinancing and solvency risk. This conservatism supports sustaining dividends, opportunistic investments or buybacks, and protects operations through cyclical stress over the next 2–6 months.
Negative Factors
Persistent Revenue Decline
Sustained top-line contraction and a marked 2025 decline threaten long-term earnings stability: margins can only offset declines so long. Continued revenue shrinkage risks eroding market presence, reducing economies of scale and pressuring future profitability and strategic options.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance Sheet Strength
Ultra-low leverage and a large equity base provide durable financial flexibility, lowering refinancing and solvency risk. This conservatism supports sustaining dividends, opportunistic investments or buybacks, and protects operations through cyclical stress over the next 2–6 months.
Read all positive factors
Global International Credit Group Ltd. (1669) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$520.00M
Dividend Yield5.43%
Average Volume (3M)132.47K
Price to Earnings (P/E)10.0
Beta (1Y)0.17
Revenue Growth-8.15%
EPS Growth14.16%
CountryHK
Employees19
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.13
Shares Outstanding400,000,000
10 Day Avg. Volume101,600
30 Day Avg. Volume132,466
Financial Highlights & Ratios
PEG Ratio0.38
Price to Book (P/B)0.38
Price to Sales (P/S)4.25
P/FCF Ratio1.26
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
Global International Credit Group Ltd. Business Overview & Revenue Model
Company Description
Operating as an investment holding company, Global International Credit Group Limited specializes in the money lending sector within Hong Kong. The firm provides a variety of financial products, including both short-term and long-term mortgage loa...
How the Company Makes Money
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Global International Credit Group Ltd. Financial Statement Overview
Summary
Income Statement
76
Positive
Balance Sheet
92
Very Positive
Cash Flow
72
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 84.62M | 83.26M | 84.84M | 90.54M | 85.63M |
| Gross Profit | 79.15M | 83.26M | 85.30M | 86.93M | 85.63M |
| EBITDA | 64.10M | 60.95M | 66.29M | 66.01M | 66.84M |
| Net Income | 52.23M | 45.76M | 50.30M | 50.96M | 52.52M |
Balance Sheet | |||||
| Total Assets | 953.54M | 953.73M | 930.74M | 943.94M | 905.46M |
| Cash, Cash Equivalents and Short-Term Investments | 416.50M | 181.82M | 52.32M | 51.16M | 83.81M |
| Total Debt | 1.77M | 3.59M | 6.63M | 47.60M | 43.95M |
| Total Liabilities | 8.43M | 12.85M | 15.62M | 58.72M | 50.00M |
| Stockholders Equity | 945.12M | 940.88M | 915.12M | 885.22M | 855.46M |
Cash Flow | |||||
| Free Cash Flow | 286.15M | 150.62M | 66.99M | -32.33M | 16.11M |
| Operating Cash Flow | 286.20M | 152.25M | 82.04M | -32.23M | 16.46M |
| Investing Cash Flow | -15.86M | 570.00K | -13.50M | -79.00K | -348.00K |
| Financing Cash Flow | -50.43M | -23.32M | -67.38M | 1.14M | -66.62M |
Global International Credit Group Ltd. Technical Analysis
Positive
0.92
Price Trends
1.10
Positive
1.00
Positive
0.91
Positive
Market Momentum
0.07
Positive
58.97
Neutral
13.14
Positive
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 0.92 is below the 20-day moving average (MA) of 1.26, below the 50-day MA of 1.10, and above the 200-day MA of 0.91, indicating a bullish trend. The MACD of 0.07 indicates Positive momentum. The RSI at 58.97 is Neutral, neither overbought nor oversold. The STOCH value of 13.14 is Positive, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | HK$520.00M | 9.95 | 5.52% | 5.43% | -8.15% | 14.16% | |
78 Outperform | HK$802.40M | 8.98 | 6.16% | 5.46% | 32.46% | 9.09% | |
68 Neutral | HK$383.50M | 5.65 | 2.91% | 4.88% | -7.97% | 53.91% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
47 Neutral | HK$447.21M | -0.69 | -12.87% | 9.77% | 9.41% | -219.96% | |
44 Neutral | HK$692.74M | -3.63 | -8.70% | ― | 0.02% | -107.29% |
* Financial Sector Average
HK:1669
Global International Credit Group Ltd.
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0.00
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0.02
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Quanzhou Huixin Micro-credit Co., Ltd. Class H
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VCREDIT Holdings Limited
0.92
-2.83
-75.47%
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Zuoli Kechuang Micro-finance Co. Ltd. Class H
0.33
0.04
16.07%
Global International Credit Group Ltd. Corporate Events
Global International Credit Revamps Board With New Independent Director
Jun 1, 2026
Global International Credit Group Limited announced board changes, confirming the retirement of independent non-executive director Dr. Ng Lai Man, Carmen following the conclusion of its annual general meeting on 1 June 2026, with the board noting ...
Global International Credit Group Reshapes Board and Committee Roles for 2026
Jun 1, 2026
Global International Credit Group Limited has reshaped its board structure effective 1 June 2026, confirming Ms. Wang Yao as chairman and chief executive alongside executive directors Ms. Jin Xiaoqin and Ms. Yip Lee Ying, and three independent non...
Global International Credit Shareholders Approve Dividends and Capital Mandates at AGM
Jun 1, 2026
Global International Credit Group reported that all resolutions at its 1 June 2026 annual general meeting were approved by shareholders via poll, including the adoption of the 2025 audited accounts, board re-elections, and the re-appointment of it...
Global International Credit Group Issues HK$63.5 Million in New Secured Loans
May 21, 2026
Global International Credit Group’s subsidiary GICL has extended two new secured loans totaling about HK$63.5 million to two related customers, each with a 12 month term and a 12% annual interest rate, backed by guarantees and a first legal ...
Global International Credit Sets AGM to Approve 2025 Results, Dividends and Share Issuance Mandate
Apr 30, 2026
Global International Credit Group Ltd. has called its annual general meeting for 1 June 2026 in Central, Hong Kong, where shareholders will vote on adopting the 2025 audited financial statements and reappointing BDO Limited as auditor. The agenda ...
Global International Credit Moves to Update Governance Rules for Paperless Market
Apr 20, 2026
Global International Credit Group Limited plans to replace its existing third amended and restated memorandum and articles of association with a fourth amended version to comply with the latest legal and regulatory requirements. The proposed chang...
Global International Credit Group Confirms Final 2025 Dividend After Notice Correction
Mar 27, 2026
Global International Credit Group Limited has declared a final ordinary dividend of HKD 0.024 per share for the financial year ended 31 December 2025, with shareholder approval scheduled for 1 June 2026. The dividend will be paid in Hong Kong doll...
Global International Credit Declares Special Final Dividend for 2025
Mar 27, 2026
Global International Credit Group Limited has declared a special final dividend of HKD 0.036 per share for the financial year ended 31 December 2025, with shareholders’ approval scheduled for 1 June 2026. The company clarified that this upda...
Global International Credit Lifts 2025 Profit Despite Revenue Decline
Mar 27, 2026
Global International Credit Group Limited reported audited final results for the year ended 31 December 2025, with revenue falling to HK$77.19 million from HK$89.88 million in 2024, but net profit attributable to shareholders rising to HK$52.23 mi...
Global International Credit Group Declares Final Dividend for 2025
Mar 27, 2026
Global International Credit Group Limited has declared a final ordinary cash dividend of HKD 0.024 per share for the financial year ended 31 December 2025. The dividend remains subject to shareholder approval, reflecting the board’s intentio...
Global International Credit Group Declares Special Final Dividend for 2025
Mar 27, 2026
Global International Credit Group Limited has declared a special final dividend of HKD 0.036 per share for the financial year ended 31 December 2025. The payout, subject to shareholder approval on 1 June 2026, reflects the company’s decision...
Global International Credit Group Announces Retirement of Independent Director and Board Changes
Mar 27, 2026
Global International Credit Group Limited announced that independent non-executive director Dr. Ng Lai Man, Carmen will retire by rotation at the forthcoming annual general meeting and will not seek re-election, stepping down as chairman of the au...
Global International Credit Sets March Board Meeting to Approve 2025 Results
Mar 16, 2026
Global International Credit Group Limited has scheduled a board meeting for 27 March 2026 to review and approve the annual results for the year ended 31 December 2025. The board will also consider the publication of these results and the possible ...
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.