Wealthy Way Group Ltd. (HK:3848)
:3848
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Wealthy Way Group Ltd.
(3848)
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Rating:60Neutral
Price Target:
HK$12.00
▲(7.05% Upside)
Action:ReiteratedDate:04/27/26
The score is primarily supported by a relatively solid and improving balance sheet and a recent cash-flow rebound, but is held back by materially weaker recent profitability and historical volatility. Technically, momentum is weak-to-neutral, and valuation is a key risk due to the extremely high P/E despite a very high dividend yield.
Positive Factors
Improving balance sheet
Lower leverage and a sizable, stable equity base strengthen financial resilience for a credit-services firm. Manageable debt-to-equity (~0.22) reduces refinancing and liquidity risk, supporting lending capacity, covenant headroom and strategic flexibility over the next several quarters.
Negative Factors
Compressed profitability
A sharp margin decline reduces earnings power and the company’s ability to translate revenue into shareholder returns. Lower net margins constrain reinvestment capacity and increase sensitivity to cost inflation or revenue dips, challenging sustainable profitability over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving balance sheet
Lower leverage and a sizable, stable equity base strengthen financial resilience for a credit-services firm. Manageable debt-to-equity (~0.22) reduces refinancing and liquidity risk, supporting lending capacity, covenant headroom and strategic flexibility over the next several quarters.
Read all positive factors
Wealthy Way Group Ltd. (3848) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$1.75B
Dividend Yield0.27%
Average Volume (3M)115.83K
Price to Earnings (P/E)290.6
Beta (1Y)0.96
Revenue Growth-18.37%
EPS Growth-2.84%
CountryHK
Employees71
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-0.03
Shares Outstanding156,417,000
10 Day Avg. Volume108,700
30 Day Avg. Volume115,833
Financial Highlights & Ratios
PEG Ratio-94.57
Price to Book (P/B)2.69
Price to Sales (P/S)17.47
P/FCF Ratio27.82
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
Wealthy Way Group Ltd. Business Overview & Revenue Model
Company Description
Wealthy Way Group Limited, an investment holding company, provides financial leasing, factoring, and advisory services to individual and companies in the People's Republic of China and Hong Kong. The company offers small loans and related loan fac...
Wealthy Way Group Ltd. Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
72
Positive
Cash Flow
67
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 90.25M | 107.45M | 60.37M | 74.71M | 106.39M |
| Gross Profit | 87.07M | 82.14M | 60.37M | 73.11M | 89.58M |
| EBITDA | 19.68M | 20.55M | 24.73M | 48.46M | 72.01M |
| Net Income | 5.42M | 5.61M | 23.17M | 24.11M | 30.58M |
Balance Sheet | |||||
| Total Assets | 761.71M | 803.15M | 784.68M | 729.55M | 796.09M |
| Cash, Cash Equivalents and Short-Term Investments | 35.16M | 33.35M | 26.34M | 49.56M | 83.67M |
| Total Debt | 130.96M | 174.35M | 167.52M | 123.48M | 196.49M |
| Total Liabilities | 174.91M | 221.76M | 210.98M | 175.17M | 255.03M |
| Stockholders Equity | 586.81M | 581.39M | 573.70M | 554.39M | 541.06M |
Cash Flow | |||||
| Free Cash Flow | 56.65M | 19.43M | -62.33M | 27.79M | 473.80M |
| Operating Cash Flow | 56.72M | 19.48M | -62.26M | 27.96M | 474.16M |
| Investing Cash Flow | -23.00K | 88.00K | 163.00K | 38.60M | 39.10M |
| Financing Cash Flow | -57.93M | -13.08M | 37.62M | -100.35M | -525.07M |
Wealthy Way Group Ltd. Technical Analysis
Negative
11.21
Price Trends
11.21
Negative
11.21
Negative
11.42
Negative
Market Momentum
<0.01
Positive
48.08
Neutral
12.35
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:3848, the sentiment is Negative. The current price of 11.21 is below the 20-day moving average (MA) of 11.22, below the 50-day MA of 11.21, and below the 200-day MA of 11.42, indicating a bearish trend. The MACD of <0.01 indicates Positive momentum. The RSI at 48.08 is Neutral, neither overbought nor oversold. The STOCH value of 12.35 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:3848.
Wealthy Way Group Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | HK$680.00M | 6.27 | 6.16% | 5.46% | 32.46% | 9.09% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | HK$389.40M | 5.31 | 3.00% | 4.88% | -7.97% | 53.91% | |
65 Neutral | HK$1.37B | 4.31 | 8.51% | 7.43% | -2.69% | -8.21% | |
60 Neutral | HK$1.75B | 290.58 | 0.95% | 0.27% | -18.37% | -2.84% | |
59 Neutral | HK$260.40M | 6.53 | 1.09% | ― | 8.77% | -76.88% |
* Financial Sector Average
HK:3848
Wealthy Way Group Ltd.
11.21
-0.50
-4.27%
HK:3903
Hanhua Financial Holding Co., Ltd. Class H
0.17
0.00
0.00%
HK:1563
International Alliance Financial Leasing Co., Ltd.
0.15
-0.03
-17.65%
HK:1577
Quanzhou Huixin Micro-credit Co., Ltd. Class H
1.00
0.06
6.38%
HK:1601
Zhongguancun Science-Tech Leasing Co. Ltd. Class H
0.85
0.12
16.44%
HK:6866
Zuoli Kechuang Micro-finance Co. Ltd. Class H
0.33
0.05
17.86%
Wealthy Way Group Ltd. Corporate Events
Haosen Fintech Revamps Governance Rules to Embrace Hybrid Meetings and Treasury Shares
Apr 24, 2026
Haosen Fintech Group Limited plans to overhaul its constitutional documents, proposing a new amended and restated memorandum and articles of association to replace its existing framework. The move aligns the company’s governance structure wi...
Haosen Fintech Raises HK$10 Million via 8% Bonds to Fund Expansion
Mar 27, 2026
Haosen Fintech Group Limited has completed the issuance of HK$10 million in 8% bonds due 2028, following the signing of a subscription agreement on 27 March 2026 with an independent investor and Mr. Lo acting as guarantor. The guarantee is treated...
Haosen Fintech Plans HK$10 Million Unlisted Bond Issue at 8% Coupon
Mar 25, 2026
Haosen Fintech Group Limited plans to issue HK$10 million in 8% bonds due in 2028 to independent third-party investors, with the debt to be unsecured, unsubordinated and issued in HK$1 million denominations. The bonds, which will not be listed on ...
Haosen Fintech Posts Higher Core Profit Despite Revenue Decline in 2025
Mar 19, 2026
Haosen Fintech Group Limited reported a decline in revenue from RMB107.2 million in 2024 to RMB92.2 million in 2025, but improved profitability in its continuing operations, swinging from a loss to a profit of RMB2.0 million. Total profit attribut...
Haosen Fintech Declares HKD 0.03 Final Dividend for 2025
Mar 19, 2026
Haosen Fintech Group Limited has declared a final ordinary cash dividend of HKD 0.03 per share for the twelve-month period ended 31 December 2025, payable in Hong Kong dollars. The dividend remains subject to shareholder approval, with key timetab...
Haosen Fintech Sets March Board Meeting to Approve 2025 Results and Consider Dividend
Mar 5, 2026
Haosen Fintech Group Limited has scheduled a board meeting for 19 March 2026 to review and approve the publication of its audited final results for the year ended 31 December 2025. The board will also consider whether to recommend a final dividend...
Haosen Fintech Pushes Back Maturity of HK$20 Million Bonds to 2028
Feb 27, 2026
Haosen Fintech Group Limited has secured bondholder approval to extend the maturity of its HK$20 million 8% unlisted bonds, originally due in March 2026, by an additional 24 months to March 2028. The extension, agreed after arm’s length nego...
Haosen Fintech Adds Borrower Ownership Details to Loan Facility Disclosure
Feb 11, 2026
Haosen Fintech Group Limited has issued a supplemental announcement regarding a previously disclosed loan facility transaction, providing additional detail on the shareholding structure of the unnamed borrower. The borrower is owned by three indiv...
Haosen Fintech Grants RMB14.66 Million High-Yield Loan in Discloseable Transaction
Feb 6, 2026
Haosen Fintech Group Limited, via its indirect wholly owned subsidiary Haosen Credit, has entered into a loan facility agreement to provide a RMB14.66 million loan (approximately HK$16.51 million) to a borrower for a 12‑month term at an annu...
Haosen Fintech Non-Executive Director Wan Tingting to Resign in February 2026
Jan 30, 2026
Haosen Fintech Group Limited announced that non-executive director Ms. Wan Tingting has tendered her resignation, effective 1 February 2026, to focus on other business commitments and work arrangements. The company stated that Ms. Wan has no claim...
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.