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China Rongzhong Financial Holdings Company Limited
(3963)
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Rating:41Neutral
Price Target:
HK$0.16
▲(24.62% Upside)
Action:Upgraded
Date:04/18/26
The score is primarily weighed down by weak financial performance—declining revenue, ongoing losses, high leverage, and deteriorating free cash flow. Technical indicators add risk with bearish momentum signals despite a minor short-term rebound, and valuation is also pressured by a negative P/E reflecting lack of profitability.
Positive Factors
Secured lending business model
Rongzhong’s core model of collateral-backed, short-term loans materially limits unsecured credit exposure and loss severity. Collateralization supports recoveries and underwriting discipline, helping preserve asset quality and cash flows over multi-month horizons compared with unsecured lenders.
Negative Factors
High leverage
A debt-to-equity ratio near 3x signals substantial reliance on borrowed funds, raising refinancing and interest-service risk. High leverage reduces balance sheet flexibility, amplifies earnings volatility from credit losses, and limits capacity to absorb shocks over several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Secured lending business model
Rongzhong’s core model of collateral-backed, short-term loans materially limits unsecured credit exposure and loss severity. Collateralization supports recoveries and underwriting discipline, helping preserve asset quality and cash flows over multi-month horizons compared with unsecured lenders.
Read all positive factors
China Rongzhong Financial Holdings Company Limited (3963) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$94.66M
Dividend YieldN/A
Average Volume (3M)53.23K
Price to Earnings (P/E)―
Beta (1Y)0.55
Revenue Growth1.40%
EPS Growth-21.32%
CountryHK
Employees127
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-0.01
Shares Outstanding606,802,550
10 Day Avg. Volume57,000
30 Day Avg. Volume53,233
Financial Highlights & Ratios
PEG Ratio0.53
Price to Book (P/B)6.77
Price to Sales (P/S)1.69
P/FCF Ratio-9.22
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
China Rongzhong Financial Holdings Company Limited Business Overview & Revenue Model
Company Description
China Rongzhong Financial Holdings Limited functions as an investment holding entity, delivering financial leasing services throughout the People's Republic of China. The company's core mission involves meeting the funding demands of Small and Med...
How the Company Makes Money
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China Rongzhong Financial Holdings Company Limited Financial Statement Overview
Summary
Income Statement
30
Negative
Balance Sheet
25
Negative
Cash Flow
35
Negative
| Breakdown | TTM | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 87.27M | 69.42M | 89.00M | 51.06M | 35.12M | -13.96M |
| Gross Profit | 22.26M | 540.00K | 18.95M | 51.06M | 10.45M | -13.96M |
| EBITDA | 11.64M | 10.34M | 9.61M | 12.52M | -532.20M | 147.00K |
| Net Income | -7.82M | -8.11M | -9.62M | -124.61M | -567.55M | -121.38M |
Balance Sheet | ||||||
| Total Assets | 82.85M | 85.55M | 84.69M | 93.64M | 433.92M | 846.97M |
| Cash, Cash Equivalents and Short-Term Investments | 10.27M | 7.97M | 6.97M | 14.57M | 15.48M | 12.31M |
| Total Debt | 40.68M | 51.21M | 40.03M | 62.71M | 778.64M | 660.29M |
| Total Liabilities | 65.28M | 67.58M | 66.95M | 118.64M | 1.13B | 956.96M |
| Stockholders Equity | 13.71M | 17.34M | 18.46M | -31.29M | -701.43M | -109.99M |
Cash Flow | ||||||
| Free Cash Flow | -12.56M | -12.74M | -15.06M | 473.00K | -6.45M | 19.73M |
| Operating Cash Flow | 14.63M | 18.64M | 22.72M | 29.82M | 2.70M | 19.73M |
| Investing Cash Flow | -14.63M | -19.98M | -25.59M | -12.67M | 2.05M | 120.00K |
| Financing Cash Flow | 1.74M | 2.09M | -4.04M | -18.87M | -2.56M | -30.15M |
China Rongzhong Financial Holdings Company Limited Technical Analysis
Negative
0.13
Price Trends
0.16
Negative
0.16
Positive
0.17
Negative
Market Momentum
>-0.01
Negative
45.54
Neutral
139.00
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:3963, the sentiment is Negative. The current price of 0.13 is below the 20-day moving average (MA) of 0.16, below the 50-day MA of 0.16, and below the 200-day MA of 0.17, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 45.54 is Neutral, neither overbought nor oversold. The STOCH value of 139.00 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:3963.
China Rongzhong Financial Holdings Company Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | HK$520.00M | 9.95 | 5.52% | 5.43% | -8.15% | 14.16% | |
68 Neutral | HK$383.50M | 5.64 | 2.91% | 4.88% | -7.97% | 53.91% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
50 Neutral | HK$97.02M | -1.90 | -0.26% | ― | -42.85% | -540.58% | |
47 Neutral | HK$447.21M | -0.69 | -12.87% | 9.77% | 9.41% | -219.96% | |
41 Neutral | HK$94.66M | -12.09 | -50.33% | ― | 1.40% | -21.32% |
* Financial Sector Average
HK:3963
China Rongzhong Financial Holdings Company Limited
0.16
-0.07
-32.17%
HK:0431
Greater China Financial Holdings Limited
0.01
0.00
0.00%
HK:1669
Global International Credit Group Ltd.
1.30
0.66
103.44%
HK:2003
VCREDIT Holdings Limited
0.92
-2.83
-75.47%
HK:6866
Zuoli Kechuang Micro-finance Co. Ltd. Class H
0.33
0.04
16.07%
HK:8452
FY Financial (Shenzhen) Co., Ltd. Class H
0.27
0.03
12.50%
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.