Goldpac Group Ltd. (3315) AI Stock Analysis

• Market Cap: HK$670.03M
• Dividend Yield: 6.55%
• Average Volume (3M): 300.94K
• Price to Earnings (P/E): 12.3
• Beta (1Y): 0.35
• Revenue Growth: -24.27%
• EPS Growth: -62.16%
• Country: HK
• Employees: 1,282
• Sector: Technology
• Sector Strength: 86
• Industry: Software - Infrastructure
• EPS (TTM): 0.07
• Shares Outstanding: 805,802,000
• 10 Day Avg. Volume: 274,400
• 30 Day Avg. Volume: 300,945
• PEG Ratio: -0.28
• Price to Book (P/B): 0.31
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 2.83
• 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

• Rating: 67 Neutral
• Price Target: HK$1.00 ▲(19.05%Upside)

The overall stock score of 67 reflects strong balance sheet metrics and attractive valuation, counterbalanced by weak income statement performance, cash flow concerns, and bearish technical indicators. The company's low debt and high dividend yield are positive factors, but declining revenue and profitability margins, alongside liquidity challenges, raise concerns.

Goldpac Group Ltd. Business Overview & Revenue Model

Company Description

Goldpac Group Ltd. (3315) is a leading provider of secure payment solutions, offering a comprehensive range of products and services in the financial technology sector. The company specializes in the design, manufacture, and distribution of payment cards, digital security products, and solutions, serving major financial institutions and corporations across the globe. With a focus on innovation and quality, Goldpac Group Ltd. leverages its advanced technologies and strategic partnerships to deliver secure and reliable payment solutions.

How the Company Makes Money

Goldpac Group Ltd. generates revenue primarily through the sale of its secure payment products and solutions. The company earns money by manufacturing and supplying payment cards, such as credit and debit cards, to financial institutions and corporations. Additionally, it provides digital security solutions and services, including data management and secure transaction processing. Goldpac also establishes partnerships with technology companies and financial service providers to enhance its product offerings and expand its market reach. The company's earnings are significantly influenced by its ability to maintain technological leadership and fulfill the growing demand for secure payment solutions worldwide.

Goldpac Group Ltd. Financial Statement Overview

Summary

The company exhibits a mixed financial performance. While the balance sheet shows strength with low leverage and a strong equity position, income statement results indicate declining revenues and margins. The lack of current cash flow reporting suggests potential liquidity issues that could affect operational flexibility.

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: Negative
• 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 Negative. The current price of 0.84 is below the 20-day moving average (MA) of 0.84, below the 50-day MA of 0.85, and below the 200-day MA of 0.93, indicating a bearish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 47.14 is Neutral, neither overbought nor oversold. The STOCH value of 58.33 is Neutral, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8062	74 Outperform	HK$136.80M	4.61	22.27%	14.04%	11.81%	49.64%
3773	68 Neutral	HK$581.00M	16.79	10.84%	―	37.37%	95.32%
3315	67 Neutral	HK$670.03M	12.30	2.46%	6.55%	-24.27%	-62.16%
0818	61 Neutral	HK$1.56B	9.86	2.20%	―	-13.19%	-66.35%
8017	61 Neutral	HK$506.00M	8.09	40.88%	―	-14.39%	-69.66%
Sector *	56 Neutral	$3.16B	4.94	-5.68%	5.75%	8.05%	-41.83%
8613	47 Neutral	HK$175.42M	―	-380.55%	―	168.04%	―

Goldpac Group Ltd. Corporate Events

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.

Goldpac Group Ltd. Announces Annual General Meeting and Key Resolutions

Goldpac Group Ltd. has announced its upcoming annual general meeting scheduled for May 22, 2025, where key agenda items include the adoption of financial statements, declaration of a final dividend, and the election of directors. The meeting will also address resolutions to authorize the board to issue additional shares and re-appoint PricewaterhouseCoopers as the company’s auditor, reflecting strategic decisions that could impact the company’s financial operations and governance structure.