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VCREDIT Holdings Limited (HK:2003)
:2003
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$1.71 - HK$4.72
Previous CloseN/A
Volume518.60K
Average Volume (3M)112.03K
Market Cap
HK$874.98M
Enterprise ValueHK$3.58B
Total Cash (Recent Filing)HK$0.00
Total Debt (Recent Filing)HK$4.46B
Price to Earnings (P/E)2.0
Beta0.13
Next Earnings
Mar 31, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield9.77%
Share Statistics
EPS (TTM)0.48
Shares Outstanding489,459,780
10 Day Avg. Volume67,879
30 Day Avg. Volume112,026
Financial Highlights & Ratios
PEG Ratio0.35
Price to Book (P/B)0.20
Price to Sales (P/S)0.33
P/FCF Ratio0.63
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 Re-accelerationThe 16.8% revenue re-acceleration in 2024 indicates recovering demand and better product/credit distribution execution. Sustained top-line recovery supports medium-term scale benefits, helps absorb fixed costs and underpins margin sustainability if growth persists across cycles.
Improved Capital StructureMaterial deleveraging to a ~0.49 debt-to-equity improves resilience to funding stress and lowers interest burden. A healthier balance sheet increases strategic flexibility for lending, investment or distributions and reduces solvency risk in adverse credit cycles.
Strong 2024 Free Cash FlowRobust operating and free cash flow in 2024 that roughly matches net income supports earnings quality and internal funding capacity. If repeatable, this enhances ability to fund growth and dividends without external financing, strengthening long-term cash generation credibility.
Bears Say
Volatile Cash GenerationLarge swings in operating and free cash flow across years show cash conversion is inconsistent. This volatility impairs predictability of funding for lending, investment and dividends, making the business more vulnerable to funding shocks and cyclical downturns.
Uneven Historical PerformanceThe firm's history of sharp downturns and uneven results reduces visibility into sustainable earnings power. In a cycle-exposed consumer finance model, inconsistent performance raises the risk that recent improvements may not persist through future credit or macro shocks.
Moderate, Declining ROEROE moderating to ~10–11% from earlier peaks suggests capital is delivering lower incremental shareholder returns. Persistently moderate ROE limits long-term value creation and implies growth may not translate into outsized returns without efficiency or margin improvements.
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$1.71 and its highest was HK$4.72 in the past 12 months.
What is VCREDIT Holdings Limited’s market cap?
VCREDIT Holdings Limited’s market cap is HK$874.98M.
When is VCREDIT Holdings Limited’s upcoming earnings report date?
VCREDIT Holdings Limited’s upcoming earnings report date is Mar 31, 2026 which is in 24 days.
How were VCREDIT Holdings Limited’s earnings last quarter?
VCREDIT Holdings Limited released its earnings results on Aug 25, 2025. The company reported HK$0.476 earnings per share for the quarter, beating the consensus estimate of N/A by HK$0.476.
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$0.476 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 5.397%.
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
Neutral
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
12.71%
Trailing 12-Months
Asset Growth
25.96%
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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