Global International Credit Group Ltd. (HK:1669)
:1669
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Global International Credit Group Ltd.
(1669)
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Rating:71Outperform
Price Target:
HK$1.00
▲(8.70% Upside)
Action:UpgradedDate:10/31/25
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
Balance sheet strength
A high equity ratio and minimal debt provide durable financial flexibility, lowering default risk and preserving optionality for capital allocation. Over the next 2-6 months this foundation supports dividend maintenance, opportunistic investment, or weathering economic stress without forced financing.
Negative Factors
Declining revenue trend
A multi-year revenue decline weakens the top-line base and constrains scale advantages; sustaining margins and dividend payouts becomes harder without growth. Over 2-6 months this trend raises the risk that profitability must rely on cuts rather than organic expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance sheet strength
A high equity ratio and minimal debt provide durable financial flexibility, lowering default risk and preserving optionality for capital allocation. Over the next 2-6 months this foundation supports dividend maintenance, opportunistic investment, or weathering economic stress without forced financing.
Read all positive factors
Global International Credit Group Ltd. (1669) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$388.00M
Dividend Yield5.43%
Average Volume (3M)132.47K
Price to Earnings (P/E)6.9
Beta (1Y)0.19
Revenue Growth-1.47%
EPS Growth2.86%
CountryHK
Employees19
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.06
Shares Outstanding400,000,000
10 Day Avg. Volume101,600
30 Day Avg. Volume132,466
Financial Highlights & Ratios
PEG Ratio-0.33
Price to Book (P/B)0.25
Price to Sales (P/S)2.79
P/FCF Ratio1.54
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
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 headquarte...
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...
Global International Credit Group Ltd. Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
85
Very Positive
Cash Flow
65
Positive
| 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
Positive
0.92
Price Trends
0.95
Positive
0.91
Positive
0.84
Positive
Market Momentum
<0.01
Positive
53.09
Neutral
38.89
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 0.92 is below the 20-day moving average (MA) of 0.97, below the 50-day MA of 0.95, and above the 200-day MA of 0.84, indicating a bullish trend. The MACD of <0.01 indicates Positive momentum. The RSI at 53.09 is Neutral, neither overbought nor oversold. The STOCH value of 38.89 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | HK$388.00M | 6.89 | 5.52% | 5.43% | -1.47% | 2.86% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | HK$371.70M | 5.31 | 3.00% | 4.88% | -12.94% | -15.93% | |
59 Neutral | HK$270.55M | 20.00 | 1.09% | ― | 8.77% | -76.88% | |
53 Neutral | HK$161.86M | -2.46 | 4.61% | ― | -25.74% | ― | |
51 Neutral | HK$340.25M | 5.14 | 2.04% | 6.48% | -15.82% | 2.51% | |
44 Neutral | HK$408.33M | -0.18 | -62.54% | ― | -61.09% | -1306.43% |
* Financial Sector Average
HK:1669
Global International Credit Group Ltd.
0.97
0.46
90.20%
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0.22
-0.03
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0.32
0.05
21.15%
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.