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Goldpac Group Ltd.
(3315)
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Rating:62Neutral
Price Target:
HK$0.71
▼(-15.48% Downside)
Action:Reiterated
Date:05/01/26
The score is driven mainly by a strong low-debt balance sheet and improved recent free cash flow, partially offset by multi-year revenue declines and margin compression. Technical indicators remain soft (below key moving averages with negative MACD), while valuation is supported by a high dividend yield and a moderate P/E.
Positive Factors
Conservative balance sheet
Very low leverage and a large equity base provide durable financial resilience. This conservatism supports creditor confidence, preserves borrowing capacity through industry cycles, and gives management flexibility to invest in product development, M&A, or sustain dividends during downturns.
Negative Factors
Multi-year revenue decline
Sustained annual revenue declines over multiple years signal structural demand loss or shrinking market share in core payment products. This erodes operating scale, reduces pricing leverage, and makes it harder to cover fixed costs, constraining sustainable earnings power absent a revenue turnaround.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Very low leverage and a large equity base provide durable financial resilience. This conservatism supports creditor confidence, preserves borrowing capacity through industry cycles, and gives management flexibility to invest in product development, M&A, or sustain dividends during downturns.
Read all positive factors
Goldpac Group Ltd. (3315) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$542.41M
Dividend Yield6.63%
Average Volume (3M)1.03M
Price to Earnings (P/E)11.7
Beta (1Y)0.34
Revenue Growth-14.99%
EPS Growth-20.20%
CountryHK
Employees1,239
SectorTechnology
Sector Strength88
IndustrySemiconductors
Share Statistics
EPS (TTM)0.05
Shares Outstanding805,802,000
10 Day Avg. Volume730,800
30 Day Avg. Volume1,030,175
Financial Highlights & Ratios
PEG Ratio-0.73
Price to Book (P/B)0.30
Price to Sales (P/S)0.65
P/FCF Ratio4.45
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
Goldpac Group Ltd. Business Overview & Revenue Model
Company Description
Goldpac Group Limited, an investment holding company, provides embedded software, secure payment products, and smart financial self-service kiosks in the Mainland China and internationally. The company operates through Embedded Software and Secure...
How the Company Makes Money
Goldpac primarily makes money by selling and delivering secure payment and identity products and associated services to institutional customers, with revenue generally arising from: (1) Payment product manufacturing and personalization: supplying ...
Goldpac Group Ltd. Financial Statement Overview
Summary
Income Statement
46
Neutral
Balance Sheet
82
Very Positive
Cash Flow
64
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 930.82M | 1.10B | 1.42B | 1.53B | 1.38B |
| Gross Profit | 252.51M | 258.94M | 420.05M | 403.14M | 404.14M |
| EBITDA | 54.35M | 47.63M | 171.52M | 113.02M | 153.40M |
| Net Income | 40.12M | 50.89M | 132.05M | 147.43M | 138.18M |
Balance Sheet | |||||
| Total Assets | 2.43B | 2.46B | 2.69B | 2.81B | 2.61B |
| Cash, Cash Equivalents and Short-Term Investments | 1.27B | 1.05B | 1.07B | 995.74M | 1.09B |
| Total Debt | 79.21M | 11.00M | 11.97M | 53.69M | 14.33M |
| Total Liabilities | 420.78M | 451.49M | 598.84M | 743.29M | 601.36M |
| Stockholders Equity | 2.01B | 2.01B | 2.07B | 2.06B | 2.01B |
Cash Flow | |||||
| Free Cash Flow | 135.98M | 222.10M | 215.94M | -31.84M | -86.44M |
| Operating Cash Flow | 160.34M | 240.06M | 245.25M | 35.12M | -4.75M |
| Investing Cash Flow | 162.72M | -293.46M | -292.98M | 337.01M | 74.75M |
| Financing Cash Flow | -47.85M | -139.54M | -179.78M | -68.85M | -130.75M |
Goldpac Group Ltd. Technical Analysis
Negative
0.84
Price Trends
0.72
Negative
0.74
Negative
0.81
Negative
Market Momentum
-0.01
Negative
36.39
Neutral
10.37
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:3315, the sentiment is Negative. The current price of 0.84 is above the 20-day moving average (MA) of 0.69, above the 50-day MA of 0.72, and above the 200-day MA of 0.81, indicating a bearish trend. The MACD of -0.01 indicates Negative momentum. The RSI at 36.39 is Neutral, neither overbought nor oversold. The STOCH value of 10.37 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:3315.
Goldpac Group Ltd. Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | HK$120.00M | 40.98 | -0.96% | 8.40% | -10.31% | -48.72% | |
62 Neutral | HK$542.41M | 11.68 | 2.16% | 6.63% | -14.99% | -20.20% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
61 Neutral | HK$4.71B | 2.40 | 67.29% | ― | 135.34% | ― | |
55 Neutral | HK$2.31B | 18.62 | 3.13% | ― | 7.28% | 6.77% | |
49 Neutral | HK$1.17B | -9.38 | -1.65% | ― | -9.54% | -178.87% | |
46 Neutral | HK$65.54M | -1.29 | 402.84% | ― | -56.52% | 6.67% |
* Technology Sector Average
HK:3315
Goldpac Group Ltd.
0.67
-0.16
-19.47%
HK:9923
Yeahka Limited
4.99
-8.59
-63.25%
HK:8062
EFT Solutions Holdings Ltd
0.25
-0.05
-16.67%
HK:0818
Hi Sun Technology (China) Limited
0.42
-0.07
-14.29%
HK:8613
Oriental Payment Group Holdings Limited
0.03
-0.07
-66.00%
HK:2598
Lianlian DigiTech Co., Ltd. Class H
4.22
-6.28
-59.81%
Goldpac Group Ltd. Corporate Events
Goldpac Issues Profit Warning as Competition and FX Losses Hit Earnings
May 25, 2026
Goldpac Group Limited has warned that profit attributable to owners for the four months ended 30 April 2026 fell to about RMB7.6 million, a decline of roughly 58.7% from RMB18.4 million a year earlier, as intensified market competition and foreign...
Goldpac shareholders approve AGM resolutions, dividends and capital mandates
May 19, 2026
Goldpac Group Limited reported that all resolutions at its 19 May 2026 annual general meeting were approved by shareholders via poll, reflecting broad support for the current board and governance framework. Shareholders backed the adoption of the ...
Goldpac Calls 2026 AGM, Proposes Dividends and New Share Issuance Mandate
Apr 24, 2026
Goldpac Group Limited has convened its annual general meeting for 19 May 2026 in Hong Kong, where shareholders will review the audited consolidated financial statements for the year ended 31 December 2025 and the related reports from directors and...
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.