51 Credit Card Inc. (HK:2051)
:2051
Top Page
51 Credit Card Inc.
(2051)
Select Model
Select Model
Rating:46Neutral
Price Target:
HK$0.55
▲(5.58% Upside)
Action:ReiteratedDate:11/30/25
The overall stock score of 46 reflects significant challenges for HK:2051, driven primarily by weak financial performance with negative profitability and liquidity concerns. Technical analysis provides a slightly positive outlook with some bullish momentum, but valuation remains a concern due to a negative P/E ratio. Financial performance carries the most weight in this assessment.
Positive Factors
Strong Equity Position
A strong equity position indicates financial resilience, providing a buffer against economic downturns and enabling potential future investments.
Negative Factors
Declining Revenue Trend
A declining revenue trend suggests challenges in maintaining market share and competitiveness, potentially impacting long-term growth prospects.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Equity Position
A strong equity position indicates financial resilience, providing a buffer against economic downturns and enabling potential future investments.
Read all positive factors
51 Credit Card Inc. (2051) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$1.12B
Dividend YieldN/A
Average Volume (3M)3.55M
Price to Earnings (P/E)―
Beta (1Y)0.80
Revenue Growth-12.75%
EPS Growth-61.51%
CountryHK
Employees373
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-0.08
Shares Outstanding1,629,984,300
10 Day Avg. Volume2,347,100
30 Day Avg. Volume3,554,366
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.34
Price to Sales (P/S)1.24
P/FCF Ratio-3.69
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
51 Credit Card Inc. Business Overview & Revenue Model
Company Description
Vala, Inc. operates as credit card company. It offers managing multiple credit cards across different issuing banks, new credit card application and credit card bill repayment services. The company was founded by Hai Tao Sun and is headquartered i...
How the Company Makes Money
51 Credit Card Inc. generates revenue through several key streams. Primarily, the company earns money from interest charges on outstanding balances carried by its cardholders. This interest income is supplemented by annual fees charged for premium...
51 Credit Card Inc. Financial Statement Overview
Summary
Income Statement
25
Negative
Balance Sheet
65
Positive
Cash Flow
30
Negative
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 232.71M | 218.72M | 210.28M | 389.44M | 428.93M | 261.73M |
| Gross Profit | 7.28M | 9.94M | 6.40M | 58.40M | 164.12M | -47.23M |
| EBITDA | -34.15M | -4.04M | 50.44M | -57.02M | -28.39M | -897.47M |
| Net Income | -65.25M | -60.16M | 11.04M | -82.70M | -233.69M | -1.70B |
Balance Sheet | ||||||
| Total Assets | 966.98M | 1.08B | 1.16B | 1.14B | 1.56B | 1.87B |
| Cash, Cash Equivalents and Short-Term Investments | 212.90M | 326.91M | 377.05M | 408.79M | 352.46M | 451.58M |
| Total Debt | 7.49M | 69.04M | 192.35M | 193.05M | 197.09M | 203.86M |
| Total Liabilities | 217.67M | 296.23M | 455.40M | 425.28M | 800.47M | 890.15M |
| Stockholders Equity | 756.32M | 802.70M | 725.70M | 712.44M | 765.25M | 969.61M |
Cash Flow | ||||||
| Free Cash Flow | -802.00K | -73.50M | 8.27M | 107.97M | -24.70M | -1.13B |
| Operating Cash Flow | 24.38M | 5.36M | 25.77M | 126.38M | -22.89M | -1.13B |
| Investing Cash Flow | -23.82M | -80.08M | -15.35M | -37.00M | -56.49M | 117.10M |
| Financing Cash Flow | 9.90M | 2.57M | -38.95M | -23.60M | -18.24M | 140.78M |
51 Credit Card Inc. Technical Analysis
Positive
0.52
Price Trends
0.62
Positive
0.58
Positive
0.56
Positive
Market Momentum
0.01
Negative
61.69
Neutral
85.71
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:2051, the sentiment is Positive. The current price of 0.52 is below the 20-day moving average (MA) of 0.65, below the 50-day MA of 0.62, and below the 200-day MA of 0.56, indicating a bullish trend. The MACD of 0.01 indicates Negative momentum. The RSI at 61.69 is Neutral, neither overbought nor oversold. The STOCH value of 85.71 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:2051.
51 Credit Card Inc. 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 | 5.14 | 5.14% | 11.28% | 0.59% | -5.95% | |
71 Outperform | HK$388.00M | 6.89 | 5.52% | 5.43% | -1.47% | 2.86% | |
69 Neutral | HK$680.00M | 6.27 | 6.16% | 5.46% | -24.04% | 60.24% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | HK$377.60M | 5.31 | 3.00% | 4.88% | -12.94% | -15.93% | |
65 Neutral | HK$1.37B | 4.31 | 8.51% | 7.43% | 1.11% | 3.98% | |
46 Neutral | HK$1.12B | -4.77 | -8.70% | ― | -12.75% | -61.51% |
* Financial Sector Average
HK:2051
51 Credit Card Inc.
0.69
0.46
200.00%
HK:1577
Quanzhou Huixin Micro-credit Co., Ltd. Class H
1.00
0.19
23.46%
HK:1601
Zhongguancun Science-Tech Leasing Co. Ltd. Class H
0.85
0.11
14.86%
HK:1669
Global International Credit Group Ltd.
0.97
0.45
86.54%
HK:1905
Haitong Unitrust International Financial Leasing Co., Ltd Class H
0.84
0.12
16.67%
HK:6866
Zuoli Kechuang Micro-finance Co. Ltd. Class H
0.32
0.05
18.52%
51 Credit Card Inc. Corporate Events
Vala Inc. Expands EV Lifestyle Ecosystem with Launch of vala home and New Retail Network
Jan 1, 2026
Vala Inc. has begun deliveries of its new vala home model, billed as China’s first six-seat new-energy smart camping vehicle with a factory-installed sloped pop-up roof, jointly developed with Chongqing Ruichi Motor Industrial. With vala hom...
Vala Inc. Announces Change of Business Address in Hong Kong
Nov 26, 2025
Vala Inc. has announced a change in the address of its principal place of business in Hong Kong, effective from November 26, 2025. The move to Nan Fung Tower in Central, Hong Kong, signifies a strategic relocation that may impact its operational d...
Vala Inc. Announces Retirement of Non-Executive Directors Amid Strategic Disagreements
Nov 14, 2025
Vala Inc. announced the retirement of two non-executive directors, Ms. Jiang and Ms. Gao, following disagreements with the board over strategic decisions. The disagreements centered around a proposed share placing and the sale of shares in China N...
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.