VCREDIT Holdings Limited (HK:2003)
:2003
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2003 Stock Chart & Stats
HK$2.54
HK$0.06(2.35%)
At close: 4:00 PM EST
HK$2.54
HK$0.06(2.35%)
Day’s Range― - ―
52-Week RangeHK$0.88 - HK$4.25
Previous CloseN/A
Volume518.60K
Average Volume (3M)112.03K
Market Cap
HK$505.55M
Enterprise ValueHK$1.41B
Total Cash (Recent Filing)HK$2.09B
Total Debt (Recent Filing)HK$3.06B
Price to Earnings (P/E)―
Beta0.25
Next Earnings
Aug 26, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield9.77%
Share Statistics
EPS (TTM)-1.15
Shares Outstanding489,459,780
10 Day Avg. Volume67,879
30 Day Avg. Volume112,026
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.28
Price to Sales (P/S)0.57
P/FCF Ratio0.43
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
Bulls Say, Bears Say
Bulls Say
Revenue GrowthA 30.2% revenue rebound in 2025 signals durable underlying demand and stronger origination/servicing activity. A materially larger top line improves the company’s ability to absorb fixed costs and provides a base for margin recovery if credit trends and expense control normalize over the next several quarters.
Improved LeverageReported debt-to-equity around 0.77 in 2025 reflects a de-risked capital structure versus prior years. Lower leverage enhances solvency, preserves financial flexibility for stressed credit cycles, and reduces refinancing pressure, supporting sustainable operations and strategic optionality over the medium term.
Strong 2025 Cash GenerationRobust 2025 operating and free cash flow indicate the business can generate significant internal liquidity when performance aligns. Strong cash generation supports debt servicing, potential reinvestment, or shareholder distributions and gives management time to stabilize earnings without immediate external financing.
Bears Say
Profitability DeteriorationThe swing to a material net loss and negative operating profitability in 2025 erodes retained earnings and undermines coverage for dividends and capital needs. Persistent or recurring losses would strain capital cushions, limit reinvestment, and could force capital raises or dividend cuts, affecting long-term strategy.
Earnings And Cash-flow VolatilityHistoric swings in earnings and cash flow reduce predictability of free cash generation and complicate planning. Volatility increases the risk of missed covenants, forces larger provisioning buffers, and makes sustainable payout and reinvestment policies harder to maintain over a multi-quarter horizon.
Erosion Of Equity / ReturnsDeclining shareholder equity and negative returns in 2025 signal capital erosion from losses, weakening the balance sheet. A shrinking equity base limits capacity to absorb further credit losses, may trigger tighter regulators' scrutiny, and could necessitate equity issuance or reduced distributions, constraining strategic options.
VCREDIT Holdings Limited News
2003 FAQ
What was VCREDIT Holdings Limited’s price range in the past 12 months?
VCREDIT Holdings Limited lowest stock price was HK$0.88 and its highest was HK$4.25 in the past 12 months.
What is VCREDIT Holdings Limited’s market cap?
VCREDIT Holdings Limited’s market cap is HK$505.55M.
When is VCREDIT Holdings Limited’s upcoming earnings report date?
VCREDIT Holdings Limited’s upcoming earnings report date is Aug 26, 2026 which is in 77 days.
How were VCREDIT Holdings Limited’s earnings last quarter?
VCREDIT Holdings Limited released its earnings results on Mar 31, 2026. The company reported -HK$1.749 earnings per share for the quarter, missing the consensus estimate of N/A by -HK$1.749.
Is VCREDIT Holdings Limited overvalued?
According to Wall Street analysts VCREDIT Holdings Limited’s price is currently Overvalued.
Does VCREDIT Holdings Limited pay dividends?
VCREDIT Holdings Limited pays a Quarterly dividend of HK$0.05 which represents an annual dividend yield of 9.77%. See more information on VCREDIT Holdings Limited dividends here
What is VCREDIT Holdings Limited’s EPS estimate?
VCREDIT Holdings Limited’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does VCREDIT Holdings Limited have?
VCREDIT Holdings Limited has 489,459,780 shares outstanding.
What happened to VCREDIT Holdings Limited’s price movement after its last earnings report?
VCREDIT Holdings Limited reported an EPS of -HK$1.749 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went down -3.125%.
Which hedge fund is a major shareholder of VCREDIT Holdings Limited?
Currently, no hedge funds are holding shares in HK:2003
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
VCREDIT Holdings Limited Stock Smart Score
Underperform
1
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3
4
5
6
7
8
9
10
Technicals
SMA
Negative
20 days / 200 days
Momentum
59.29%
12-Months-Change
Fundamentals
Return on Equity
-12.57%
Trailing 12-Months
Asset Growth
-16.60%
Trailing 12-Months
Company Description
VCREDIT Holdings Limited
VCREDIT Holdings Limited functions as an investment holding company, specializing in providing consumer financial services to prime and near-prime borrowers throughout China. Its product portfolio encompasses credit card balance transfers and various consumption credit options. The company also delivers a range of other services, including loan facilitation, guarantee provisions, micro-lending, financial leasing, and technology solutions. Founded in 2006, the firm was originally named Vision Capital Group Limited before changing to VCREDIT Holdings Limited. Its headquarters are situated in Admiralty, Hong Kong.
Technical Analysis
51 Credit Card Inc.
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AEON Credit Service (Asia) Co., Ltd.
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Quanzhou Huixin Micro-credit Co., Ltd. Class H
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Global International Credit Group Ltd.
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Zuoli Kechuang Micro-finance Co. Ltd. Class H
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Options Prices
Currently, No data available
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