Haitong Unitrust International Financial Leasing Co., Ltd Class H (HK:1905)
:1905
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Haitong Unitrust International Financial Leasing Co., Ltd Class H
(1905)
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Rating:73Outperform
Price Target:
HK$0.94
▲(18.61% Upside)
Action:ReiteratedDate:04/09/26
The score is driven primarily by attractive valuation (low P/E and high dividend yield) and supportive technical trend (price above key moving averages with positive MACD). Financial performance is solid on growth but held back by high leverage and cash-flow volatility, keeping the overall score in the upper-middle range rather than top-tier.
Positive Factors
Revenue Growth Momentum
Accelerating top-line growth over multiple years signals stronger lease origination and market demand. Sustained revenue expansion increases scale, supports absorption of fixed costs, and provides a broader base to cross-sell services. Over 2–6 months this momentum underpins revenue visibility and strategic investments.
Negative Factors
Very High Leverage
Extremely elevated leverage constrains financial flexibility and magnifies sensitivity to interest-rate or funding-cost increases. With limited equity cushion, the firm faces higher refinancing and covenant risk, reducing room to absorb credit losses or pursue growth without additional external funding over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth Momentum
Accelerating top-line growth over multiple years signals stronger lease origination and market demand. Sustained revenue expansion increases scale, supports absorption of fixed costs, and provides a broader base to cross-sell services. Over 2–6 months this momentum underpins revenue visibility and strategic investments.
Read all positive factors
Haitong Unitrust International Financial Leasing Co., Ltd Class H (1905) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$6.92B
Dividend Yield11.28%
Average Volume (3M)3.38M
Price to Earnings (P/E)4.2
Beta (1Y)0.52
Revenue Growth0.59%
EPS Growth-5.95%
CountryHK
Employees1,512
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.08
Shares Outstanding5,794,453,000
10 Day Avg. Volume2,809,255
30 Day Avg. Volume3,383,187
Financial Highlights & Ratios
PEG Ratio-0.71
Price to Book (P/B)0.32
Price to Sales (P/S)0.84
P/FCF Ratio1.61
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
Haitong Unitrust International Financial Leasing Co., Ltd Class H Business Overview & Revenue Model
Company Description
Haitong Unitrust International Financial Leasing Co., Ltd., through its subsidiaries, operates as a financial leasing company in the People's Republic of China. It offers operating leasing services, factoring receivables, entrusted loans, and othe...
How the Company Makes Money
The company primarily makes money by earning income from leasing and leasing-related financing arrangements. Key revenue streams generally include: (1) Lease interest/finance income: profit generated from the spread between the implicit yield char...
Haitong Unitrust International Financial Leasing Co., Ltd Class H Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
58
Neutral
Cash Flow
66
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 4.81B | 6.89B | 5.79B | 4.38B | 3.95B | 3.32B |
| Gross Profit | 4.81B | 6.09B | 5.79B | 4.65B | 5.33B | 3.32B |
| EBITDA | 0.00 | 4.59B | 0.00 | 0.00 | 2.43B | 2.35B |
| Net Income | 1.48B | 1.39B | 1.51B | 1.61B | 1.53B | 1.41B |
Balance Sheet | ||||||
| Total Assets | 111.13B | 107.80B | 111.30B | 123.35B | 124.51B | 114.74B |
| Cash, Cash Equivalents and Short-Term Investments | 6.58B | 8.35B | 6.65B | 8.38B | 5.42B | 6.10B |
| Total Debt | 82.93B | 81.92B | 82.80B | 92.69B | 91.37B | 82.22B |
| Total Liabilities | 90.76B | 89.57B | 91.31B | 103.11B | 105.69B | 97.12B |
| Stockholders Equity | 20.31B | 17.99B | 19.93B | 20.20B | 18.78B | 17.54B |
Cash Flow | ||||||
| Free Cash Flow | 3.20B | 3.58B | 12.73B | 7.83B | -10.47B | -4.41B |
| Operating Cash Flow | 3.46B | 3.59B | 12.99B | 7.96B | -8.78B | -3.75B |
| Investing Cash Flow | 33.29M | 174.51M | 816.00M | -815.97M | 179.83M | -339.32M |
| Financing Cash Flow | -4.76B | -3.47B | -15.53B | -4.18B | 4.80B | 5.52B |
Haitong Unitrust International Financial Leasing Co., Ltd Class H Technical Analysis
Positive
0.79
Price Trends
0.80
Positive
0.80
Positive
0.81
Positive
Market Momentum
<0.01
Negative
64.04
Neutral
95.24
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1905, the sentiment is Positive. The current price of 0.79 is below the 20-day moving average (MA) of 0.81, below the 50-day MA of 0.80, and below the 200-day MA of 0.81, indicating a bullish trend. The MACD of <0.01 indicates Negative momentum. The RSI at 64.04 is Neutral, neither overbought nor oversold. The STOCH value of 95.24 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:1905.
Haitong Unitrust International Financial Leasing Co., Ltd Class H Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | HK$6.92B | 4.16 | 5.14% | 11.28% | 0.59% | -5.95% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | HK$1.39B | 4.31 | 8.51% | 7.43% | 1.11% | 3.98% | |
64 Neutral | HK$19.47B | 1.89 | 12.27% | 5.84% | 3.17% | 23.13% | |
59 Neutral | HK$277.31M | 20.50 | 1.09% | ― | 8.77% | -76.88% | |
58 Neutral | HK$680.54M | -0.36 | -12.57% | 9.77% | 16.56% | 110.71% | |
54 Neutral | HK$35.09B | 8.52 | 7.50% | 6.69% | -1.77% | -24.74% |
* Financial Sector Average
HK:1905
Haitong Unitrust International Financial Leasing Co., Ltd Class H
0.84
0.13
18.31%
HK:1606
China Development Bank Financial Leasing Co Ltd Class H
1.54
0.52
51.43%
HK:1563
International Alliance Financial Leasing Co., Ltd.
0.16
-0.01
-8.38%
HK:1601
Zhongguancun Science-Tech Leasing Co. Ltd. Class H
0.86
0.11
14.67%
HK:2003
VCREDIT Holdings Limited
1.40
-2.34
-62.57%
HK:3360
Far East Horizon Limited
7.52
1.90
33.81%
Haitong Unitrust International Financial Leasing Co., Ltd Class H Corporate Events
Haitong Unitrust Announces Final 2025 Dividend and Sets Key Payment Dates
Mar 27, 2026
Haitong Unitrust International Financial Leasing has proposed a final ordinary dividend of RMB 0.43 per 10 shares for the year ended 31 December 2025, with payment scheduled for 24 July 2026, subject to shareholder approval. Shareholders may elect...
Haitong Unitrust to Switch 2026 Audit Mandate from Deloitte to KPMG
Mar 27, 2026
Haitong Unitrust International Financial Leasing plans to replace Deloitte as its auditor for the 2026 financial year, proposing the appointment of KPMG Hong Kong and KPMG Huazhen to handle its overseas and domestic audits under IFRS and China Acc...
Haitong Unitrust Overhauls Non-Executive Board Line-Up Ahead of AGM
Mar 27, 2026
Haitong Unitrust International Financial Leasing Co., Ltd. announced that non-executive directors Zhang Xinjun, Wu Shukun and Zhang Shaohua will retire at the upcoming annual general meeting due to changes in their work responsibilities, and they ...
Haitong Unitrust Releases Audited 2025 Annual Results and Confirms Report Dispatch
Mar 27, 2026
Haitong Unitrust International Financial Leasing Co., Ltd., a Hong Kong-listed Chinese financial leasing company, has released its audited consolidated annual results for the year ended December 31, 2025. The company operates through various subsi...
Haitong Unitrust Sets March Board Meeting to Approve 2025 Results and Consider Dividend
Mar 17, 2026
Haitong Unitrust International Financial Leasing Co., Ltd. has scheduled a board meeting for March 27, 2026 to review and approve the audited annual results for the year ended December 31, 2025. The board will also consider the potential declarati...
Haitong Unitrust Leasing Posts Stable 2025 Preliminary Results Amid Softer Revenue
Jan 27, 2026
Haitong Unitrust International Financial Leasing reported preliminary, unaudited 2025 figures showing total revenue of RMB6.82 billion and profit for the year of RMB1.425 billion, both down modestly year on year amid a complex macroeconomic enviro...
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.