Goldpac Group Ltd. (3315) AI Stock Analysis

• Market Cap: HK$701.94M
• Dividend Yield: 6.11%
• Average Volume (3M): 390.58K
• Price to Earnings (P/E): 12.9
• Beta (1Y): 0.29
• Revenue Growth: -24.27%
• EPS Growth: -62.16%
• Country: HK
• Employees: 1,282
• Sector: Technology
• Sector Strength: 98
• Industry: Software - Infrastructure
• EPS (TTM): 0.03
• Shares Outstanding: 805,802,000
• 10 Day Avg. Volume: 271,600
• 30 Day Avg. Volume: 390,584
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: HK$1.00
• Price Target Upside: 14.04% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 67 Neutral
• Price Target: HK$1.00 ▲(13.64% Upside)

Goldpac Group Ltd. has a stable financial foundation with a strong balance sheet, but faces operational challenges as indicated by declining revenue and margins. The stock's valuation is attractive due to a reasonable P/E ratio and high dividend yield. Technical indicators suggest a neutral market sentiment. The absence of earnings call and corporate events data limits further insights.

Goldpac Group Ltd. Business Overview & Revenue Model

Company Description

Goldpac Group Ltd. (3315) is a leading provider of secure payment solutions and financial secure services. The company specializes in the design, manufacture, and distribution of payment cards, as well as offering a range of fintech solutions. With a strong presence in the Asia-Pacific region, Goldpac is recognized for its innovation in card technology, secure payment systems, and comprehensive financial services.

How the Company Makes Money

Goldpac Group Ltd. generates revenue through the production and sale of payment cards, including smart cards and secure payment systems. The company also provides value-added services such as card personalization, software development for financial technologies, and secure payment solutions for financial institutions. The revenue model is supported by strategic partnerships with banks and financial institutions, which rely on Goldpac's secure products and services to facilitate transactions and enhance financial security. Additionally, the company benefits from long-term contracts and recurring business from its established client base, ensuring a steady stream of revenue.

Goldpac Group Ltd. Financial Statement Overview

Summary

Goldpac Group Ltd. shows a mixed financial performance with a strong balance sheet but weaker income statement and cash flow results. Revenue decline and reduced margins highlight operational challenges, whereas a low debt profile and strong equity position provide financial stability. The absence of cash flow reporting raises potential liquidity concerns.

Income Statement

The company's revenue has declined from the previous year, with a negative revenue growth rate of -22.68%. Gross profit margin stands at 23.65% and net profit margin at 4.65%, indicating profitability but at reduced levels from historical performance. EBIT and EBITDA margins are relatively low at 0.15% and 4.35% respectively, showing challenges in operational efficiency.

Balance Sheet

The company maintains a strong balance sheet with a low debt-to-equity ratio of 0.005, indicating low leverage. The equity ratio is high at 81.68%, demonstrating strong capital structure stability. Return on equity is 2.53%, suggesting moderate returns on shareholder investments.

Cash Flow

Cash flow metrics indicate challenges, with no operating, investing, or free cash flow reported for the current year, indicating potential liquidity issues. Previously, the free cash flow to net income ratio was 1.64, showing healthier cash flow generation in prior periods.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.10B	1.42B	1.53B	1.38B	1.28B
Gross Profit	258.94M	420.05M	403.14M	404.14M	383.84M
EBITDA	47.63M	171.52M	214.76M	193.22M	214.04M
Net Income	50.89M	132.05M	147.43M	138.18M	145.66M
Balance Sheet
Total Assets	2.46B	2.69B	2.81B	2.61B	2.58B
Cash, Cash Equivalents and Short-Term Investments	1.05B	1.07B	995.74M	1.09B	1.36B
Total Debt	11.00M	11.97M	53.69M	14.33M	16.51M
Total Liabilities	451.49M	598.84M	743.29M	601.36M	579.73M
Stockholders Equity	2.01B	2.07B	2.06B	2.01B	2.00B
Cash Flow
Free Cash Flow	222.10M	215.94M	-31.84M	-86.44M	117.10M
Operating Cash Flow	240.06M	245.25M	35.12M	-4.75M	197.44M
Investing Cash Flow	-293.46M	-292.98M	337.01M	74.75M	-24.34M
Financing Cash Flow	-139.54M	-179.78M	-68.85M	-130.75M	-158.53M

Goldpac Group Ltd. Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 0.88
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:3315, the sentiment is Neutral. The current price of 0.88 is below the 20-day moving average (MA) of 0.93, below the 50-day MA of 0.89, and below the 200-day MA of 0.92, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 49.92 is Neutral, neither overbought nor oversold. The STOCH value of 33.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for HK:3315.

Goldpac Group Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8017	81 Outperform	HK$903.52M	13.04	40.88%	―	97.38%	656.03%
8062	74 Outperform	HK$153.60M	27.35	4.10%	9.68%	-26.14%	-82.03%
3773	70 Outperform	HK$626.65M	18.11	10.84%	―	37.37%	95.32%
3315	67 Neutral	HK$701.94M	12.88	2.46%	6.11%	-24.27%	-62.16%
0818	59 Neutral	HK$1.39B	8.80	2.20%	―	-13.19%	-66.35%
Sector *	57 Neutral	HK$14.25B	9.67	-0.60%	4.59%	7.04%	-42.47%
8613	38 Underperform	HK$158.07M	―	-380.55%	―	13.08%	8.63%

Goldpac Group Ltd. Corporate Events

Goldpac Group Schedules Board Meeting to Review Interim Results

Goldpac Group Limited has announced an upcoming board meeting scheduled for August 20, 2025, to review and approve the company’s interim results for the first half of the year and consider the payment of an interim dividend. This meeting is significant as it will provide insights into the company’s financial performance and strategic direction, potentially impacting stakeholders and market positioning.

Goldpac Group Issues Profit Warning Amid Market Challenges

Goldpac Group Limited has issued a profit warning, anticipating a revenue decrease of approximately 10% to 20% and a profit decline of 20% to 30% for the first half of 2025, compared to the same period in 2024. This downturn is attributed to intensified global competition, declining product sales prices, and reduced foreign exchange gains, impacting the company’s financial performance and market positioning.

Goldpac Group Ltd. AGM Results and Board Changes Announced

Goldpac Group Ltd. held its Annual General Meeting on May 22, 2025, where all proposed resolutions were approved by shareholders. Key decisions included the adoption of financial statements, declaration of a final dividend, re-election and appointment of directors, and granting of mandates to the Board for share issuance and buyback. These outcomes reflect the company’s stable governance and strategic focus on enhancing shareholder value.

Goldpac Group Limited Announces Board Composition and Roles

Goldpac Group Limited has announced the composition of its board of directors, highlighting the roles and functions of its executive and independent non-executive directors. This announcement underscores the company’s commitment to strong governance and strategic oversight, potentially impacting its operational efficiency and stakeholder confidence.

Goldpac Group Announces Final Dividend for 2024

Goldpac Group Ltd. has announced a final cash dividend of HKD 0.055 per share for the financial year ending December 31, 2024. This update rectifies the payment date, with shareholders’ approval scheduled for May 22, 2025, and payment set for June 27, 2025. The announcement reflects the company’s commitment to returning value to its shareholders and may impact investor sentiment positively.