Clifford Modern Living Holdings Ltd (3686) AI Stock Analysis

• Market Cap: HK$660.24M
• Dividend Yield: 6.92%
• Average Volume (3M): 1.16M
• Price to Earnings (P/E): 5.1
• Beta (1Y): 0.38
• Revenue Growth: -2.42%
• EPS Growth: 49.65%
• Country: HK
• Employees: 618
• Sector: Real Estate
• Sector Strength: 49
• Industry: Grocery Stores
• EPS (TTM): 0.08
• Shares Outstanding: 1,015,750,000
• 10 Day Avg. Volume: 832,000
• 30 Day Avg. Volume: 1,163,333
• 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$0.50
• Price Target Upside: -23.08% Downside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 74 Outperform
• Price Target: HK$0.50 ▼(-23.08% Downside)

Clifford Modern Living Holdings Ltd scores well due to its solid financial performance and attractive valuation metrics. Strong profitability and low leverage enhance its appeal, although cash flow management is a concern. Technical indicators show bullish momentum, but caution is advised due to overbought signals.

Positive Factors

Strong Profit Margins

High profit margins indicate effective cost management and operational efficiency, supporting long-term profitability and competitive positioning.

Financial Stability

A strong balance sheet with low leverage enhances financial stability, providing resilience against economic fluctuations and enabling strategic investments.

Enhanced Governance

Improved governance structure with a diverse board can lead to better decision-making and increased stakeholder confidence, positively impacting long-term operations.

Negative Factors

Cash Flow Concerns

Lack of recent cash flow data and declining free cash flow growth may strain liquidity and limit the company's ability to invest in growth opportunities.

Declining Asset Base

A shrinking asset base could indicate potential challenges in sustaining growth and maintaining competitive advantages in the long term.

Modest Revenue Growth

Slower revenue growth may signal challenges in expanding market share or penetrating new markets, potentially impacting future profitability.

Clifford Modern Living Holdings Ltd Business Overview & Revenue Model

Company Description

Clifford Modern Living Holdings Ltd (3686) is a company that operates primarily in the property management sector. It provides a wide range of services, including property management, environmental hygiene, and engineering services. The company's core focus is on delivering modern living solutions through its comprehensive service offerings, which cater to both residential and commercial properties.

How the Company Makes Money

Clifford Modern Living Holdings Ltd makes money through its diversified service offerings in the property management sector. The primary revenue streams include fees from property management services, which involve managing residential and commercial properties to ensure their smooth operation and maintenance. Additionally, the company earns through its environmental hygiene services, providing cleaning and sanitation solutions, and engineering services, which include building maintenance and repair. The company's earnings are further supported by strategic partnerships with property developers and real estate companies, allowing it to expand its service reach and client base. These partnerships, along with a focus on high-quality service delivery, contribute significantly to its revenue generation.

Clifford Modern Living Holdings Ltd Financial Statement Overview

Summary

Clifford Modern Living Holdings Ltd exhibits strong financial performance with robust profitability and low leverage. The income statement and balance sheet metrics are commendable, indicating operational efficiency and financial stability. However, the absence of recent cash flow data is a concern, suggesting room for improvement in cash flow management.

Income Statement

Clifford Modern Living Holdings Ltd has demonstrated consistent growth in key income metrics. The gross profit margin stands strong at 46.1%, and the net profit margin is robust at 26.5%, indicating effective cost management and profitability. Revenue growth is modest at 6.5% year-over-year, and the EBIT margin is healthy at 30.3%. These figures suggest solid operational efficiency and profitability.

Balance Sheet

The balance sheet reflects financial stability with a low debt-to-equity ratio of 0.10 and an impressive equity ratio of 74.8%. Return on equity is high at 21.5%, suggesting efficient use of shareholders' equity to generate profits. Despite the decrease in total assets and equity, the company maintains a strong financial position with significant cash reserves.

Cash Flow

Cash flow metrics indicate some weaknesses, with operating cash flow and free cash flow unavailable for the recent period. Historical data shows declining free cash flow growth, but the free cash flow to net income ratio was previously strong. Cash reserves remain substantial, providing liquidity, but current cash flow generation is a concern.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	367.38M	345.04M	382.88M	430.84M	420.94M
Gross Profit	169.37M	163.61M	177.84M	194.63M	183.75M
EBITDA	121.77M	147.66M	154.71M	150.56M	144.63M
Net Income	97.54M	85.84M	95.14M	81.12M	128.74M
Balance Sheet
Total Assets	605.52M	872.78M	843.10M	763.66M	694.17M
Cash, Cash Equivalents and Short-Term Investments	282.91M	711.14M	622.24M	416.67M	358.33M
Total Debt	45.14M	49.80M	67.44M	65.89M	44.13M
Total Liabilities	152.41M	171.54M	204.50M	201.13M	190.18M
Stockholders Equity	453.11M	701.23M	638.60M	562.53M	503.99M
Cash Flow
Free Cash Flow	79.06M	115.92M	154.61M	87.51M	95.93M
Operating Cash Flow	80.45M	119.09M	156.01M	88.62M	105.23M
Investing Cash Flow	-28.53M	-55.12M	95.43M	-42.74M	-91.64M
Financing Cash Flow	-360.15M	-40.07M	-36.08M	-38.40M	-34.10M

Clifford Modern Living Holdings Ltd Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 0.65
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:3686, the sentiment is Positive. The current price of 0.65 is above the 20-day moving average (MA) of 0.64, above the 50-day MA of 0.62, and above the 200-day MA of 0.50, indicating a bullish trend. The MACD of <0.01 indicates Negative momentum. The RSI at 57.53 is Neutral, neither overbought nor oversold. The STOCH value of 73.89 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:3686.

Clifford Modern Living Holdings Ltd Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
3686	74 Outperform	HK$660.24M	5.12	30.11%	6.92%	-2.42%	49.65%
2215	59 Neutral	HK$486.48M	14.29	4.11%	―	-7.17%	-26.62%
0021	55 Neutral	HK$473.05M	28.14	-4.27%	―	1303.01%	-45.00%
Sector *	53 Neutral	$1.28B	3.13	-6.08%	5.54%	-8.21%	-81.31%
2271	―	HK$2.47B	65.12	12.19%	―	―	―
0727	49 Neutral	HK$426.07M	18.18	6.51%	―	-39.27%	―
3913	42 Neutral	HK$472.03M	24.82	-29.80%	―	-15.03%	-3600.73%

Clifford Modern Living Holdings Ltd Corporate Events

Clifford Modern Living Holdings Ltd Enhances Governance with New Nomination Committee

Clifford Modern Living Holdings Ltd has announced the terms of reference for its Nomination Committee, which is responsible for overseeing the selection and appointment of directors. The committee will consist of at least three members, with a majority being independent non-executive directors, and will include at least one director of a different gender. This move is likely to enhance the governance structure of the company, ensuring a diverse and independent board, which could positively impact its operations and stakeholder confidence.

Clifford Modern Living Approves Key Resolutions at AGM

Clifford Modern Living Holdings Ltd announced the successful passing of all resolutions during its Annual General Meeting held on June 20, 2025. The resolutions included the approval of financial statements, re-election of directors, and the declaration of a final dividend of HK4.50 cents per share. The company also authorized the board to manage director remuneration and reappointed Moore CPA Limited as auditors. These decisions are expected to strengthen the company’s governance and financial strategies, potentially enhancing shareholder value.