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$4.52
Previous CloseN/A
Volume518.60K
Average Volume (3M)112.03K
Market Cap
HK$524.99M
Enterprise ValueHK$1.42B
Total Cash (Recent Filing)HK$2.09B
Total Debt (Recent Filing)HK$3.06B
Price to Earnings (P/E)―
Beta0.23
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 Growth MomentumA 30.2% revenue rebound in 2025 indicates sustained demand recovery and the company's ability to re-expand top-line scale after prior softness. Durable revenue momentum supports operating leverage, underwriting capacity, and long-term recovery of core credit-service volumes if maintained.
Cash Generation StrengthRobust operating and free cash flow in 2025 provides persistent internal funding for operations, working capital and reinvestment without sole reliance on external financing. Strong cash conversion in a year of revenue rebound bolsters liquidity and funds strategic priorities over the medium term.
Improved Leverage PositionA lower debt-to-equity ratio (~0.77) reflects a more manageable leverage profile versus prior years, improving financial flexibility. This stronger capitalization enhances capacity to absorb shocks, finance growth initiatives, and negotiate funding on better terms over the coming quarters.
Bears Say
Profitability CollapseA swing from a healthy net margin to a sizeable net loss in one year signals structural pressures on profitability or cyclical stress in underwriting economics. Persistent negative margins can erode retained capital, constrain reinvestment, and threaten the sustainability of services and dividend policies over multiple quarters.
Earnings And Cash Flow VolatilityHistoric swings in earnings and operating cash flow, including prior years of negative OCF, reduce predictability of free cash generation. This volatility complicates planning, elevates refinancing and funding risk, and weakens confidence in steady capital allocation over a 2–6 month horizon and beyond.
Erosion Of Equity BaseA declining equity base and negative returns to shareholders indicate capital erosion from losses, shrinking the buffer against credit losses or operational shocks. Reduced shareholder equity limits growth capacity, heightens solvency risk under stress, and can restrict strategic flexibility going forward.
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$4.52 in the past 12 months.
What is VCREDIT Holdings Limited’s market cap?
VCREDIT Holdings Limited’s market cap is HK$524.99M.
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 97 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
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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, an investment holding company, provides consumer finance services to prime and near-prime borrowers in China. The company offers credit cards balance transfer and consumption credit products. It also provides loan facilitation, guarantee, micro credit, and financial leasing services, as well as technology services. The company was formerly known as Vision Capital Group Limited and changed its name to VCREDIT Holdings Limited. VCREDIT Holdings Limited was founded in 2006 and is headquartered in Admiralty, Hong Kong.
Technical Analysis
AEON Credit Service (Asia) Co., Ltd.
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Quanzhou Huixin Micro-credit Co., Ltd. Class H
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Zhongguancun Science-Tech Leasing Co. Ltd. Class H
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Wealthy Way 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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