Goldpac Group Ltd. (3315) AI Stock Analysis

• Market Cap: HK$678.01M
• Dividend Yield: 6.63%
• Average Volume (3M): 1.03M
• Price to Earnings (P/E): 14.6
• Beta (1Y): 0.32
• Revenue Growth: -16.76%
• EPS Growth: -50.21%
• Country: HK
• Employees: 1,282
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): 0.03
• Shares Outstanding: 805,802,000
• 10 Day Avg. Volume: 730,800
• 30 Day Avg. Volume: 1,030,175
• PEG Ratio: -0.25
• Price to Book (P/B): 0.38
• Price to Sales (P/S): 0.69
• P/FCF Ratio: 3.42
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 61 Neutral
• Price Target: HK$1.00 ▲(19.05% Upside)

The overall stock score of 61 reflects a mixed outlook. The company's strong balance sheet and attractive dividend yield are positive factors. However, the declining revenue, reduced margins, and lack of cash flow reporting raise concerns about operational efficiency and liquidity. Technical analysis indicates bearish momentum, which could impact short-term performance.

Positive Factors

Strong Balance Sheet

Goldpac's low leverage and high equity ratio of 81.68% provide financial stability, allowing for strategic investments and resilience against economic downturns.

Strategic Partnerships

Collaborations with key industry players expand Goldpac's market presence and drive innovation, supporting long-term revenue growth and competitive positioning.

Attractive Dividend Yield

A high dividend yield offers a steady income stream, appealing to income-focused investors and potentially supporting stock price stability.

Negative Factors

Declining Revenue

Significant revenue decline indicates challenges in maintaining market share or product demand, potentially impacting future profitability and growth.

Reduced Margins

Lower margins suggest operational inefficiencies and increased cost pressures, which could constrain profitability and limit reinvestment capacity.

Cash Flow Challenges

Lack of cash flow reporting raises concerns about liquidity management, potentially affecting the company's ability to fund operations and growth initiatives.

Goldpac Group Ltd. Business Overview & Revenue Model

Company Description

Goldpac Group Limited, an investment holding company, provides embedded software and secure payment products for smart secure payment in Hong Kong an internationally. It operates in Embedded Software and Secure Payment Products, and Platform and Service segments. The company also provides data processing, digital equipment, system platform, artificial intelligence self-service kiosks, and other solutions for customers in a range of sectors, including financial, government, healthcare, transportation, and retail. In addition, it is involved in the property holding activities; and provision of logistical auxiliary services. Goldpac Group Limited was founded in 1995 and is headquartered in Wan Chai, Hong Kong.

How the Company Makes Money

Goldpac Group Ltd. generates revenue through multiple streams, primarily from the sale of its card products, which include smart cards and other secure payment solutions. The company also earns income from transaction processing fees associated with its mobile payment systems and digital identification services. Additionally, Goldpac engages in software licensing and support services, providing ongoing revenue from its technology solutions. Strategic partnerships with financial institutions and technology companies further enhance its market reach and contribute to earnings through collaborative projects and shared innovations.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.01B	1.10B	1.42B	1.53B	1.38B	1.28B
Gross Profit	260.59M	258.94M	420.05M	403.14M	404.14M	383.84M
EBITDA	50.51M	47.63M	171.52M	113.02M	153.40M	188.88M
Net Income	43.28M	50.89M	132.05M	147.43M	138.18M	145.66M
Balance Sheet
Total Assets	2.48B	2.46B	2.69B	2.81B	2.61B	2.58B
Cash, Cash Equivalents and Short-Term Investments	1.08B	1.05B	1.07B	995.74M	1.09B	1.36B
Total Debt	9.34M	11.00M	11.97M	53.69M	14.33M	16.51M
Total Liabilities	489.63M	451.49M	598.84M	743.29M	601.36M	579.73M
Stockholders Equity	1.99B	2.01B	2.07B	2.06B	2.01B	2.00B
Cash Flow
Free Cash Flow	45.65M	222.10M	215.94M	-31.84M	-86.44M	117.10M
Operating Cash Flow	64.73M	240.06M	245.25M	35.12M	-4.75M	197.44M
Investing Cash Flow	-67.00M	-293.46M	-292.98M	337.01M	74.75M	-24.34M
Financing Cash Flow	-60.70M	-139.54M	-179.78M	-68.85M	-130.75M	-158.53M

Goldpac Group Ltd. Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 0.84
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• 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 0.84 is below the 20-day moving average (MA) of 0.84, below the 50-day MA of 0.88, and below the 200-day MA of 0.93, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 55.56 is Neutral, neither overbought nor oversold. The STOCH value of 73.33 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
3773	70 Outperform	HK$659.85M	26.33	7.35%	―	12.63%	-37.50%
8017	69 Neutral	HK$1.25B	10.72	39.26%	―	146.18%	1617.05%
8062	63 Neutral	HK$108.00M	-87.31	-0.93%	8.40%	-29.38%	-104.21%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
3315	61 Neutral	HK$678.01M	14.58	2.23%	6.63%	-16.76%	-50.21%
0818	54 Neutral	HK$1.36B	9.73	1.98%	―	-17.23%	-6.20%
8613	41 Neutral	HK$96.39M	-2.56	―	―	-43.10%	-5.98%