China Rongzhong Financial Holdings Company Limited (HK:3963)
:3963
Top Page
China Rongzhong Financial Holdings Company Limited
(3963)
Select Model
Select Model
Rating:40Underperform
Price Target:
HK$0.16
▲(19.23% Upside)
Action:ReiteratedDate:01/22/26
The score is driven primarily by very weak financial performance (declining revenue, losses, high leverage, and worsening free cash flow). Technicals also remain bearish with the stock below major moving averages, despite oversold RSI. Valuation is not attractive due to a negative P/E and no dividend yield data.
Positive Factors
Collateralized / secured lending model
A collateral-backed pawn lending model materially reduces unsecured credit exposure and improves loss recovery prospects. Over 2–6 months this supports more stable cash collections and lower credit loss volatility versus unsecured lenders, preserving capital during downturns.
Negative Factors
High financial leverage
A debt-to-equity ratio near 3x signals heavy reliance on borrowed funds. High leverage raises interest and refinancing risk, constrains strategic flexibility, and amplifies earnings pressure if revenue or margins weaken, making recovery and investment harder.
Read all positive and negative factors
Positive Factors
Negative Factors
Collateralized / secured lending model
A collateral-backed pawn lending model materially reduces unsecured credit exposure and improves loss recovery prospects. Over 2–6 months this supports more stable cash collections and lower credit loss volatility versus unsecured lenders, preserving capital during downturns.
Read all positive factors
China Rongzhong Financial Holdings Company Limited (3963) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$98.91M
Dividend YieldN/A
Average Volume (3M)53.23K
Price to Earnings (P/E)―
Beta (1Y)0.44
Revenue Growth9.30%
EPS Growth49.61%
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 Ratio0.40
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 Company Limited, an investment holding company, provides financial leasing services in the People's Republic of China. The company focuses on financing the needs of SMEs in Hubei province. It provides financial l...
How the Company Makes Money
null...
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 | 11.79M | 540.00K | 18.95M | 51.06M | 10.45M | -13.96M |
| EBITDA | 11.64M | 10.34M | 9.61M | 0.00 | -532.20M | 0.00 |
| 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
Positive
0.13
Price Trends
0.15
Positive
0.15
Positive
0.20
Negative
Market Momentum
<0.01
Positive
89.53
Negative
44.41
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:3963, the sentiment is Positive. The current price of 0.13 is below the 20-day moving average (MA) of 0.16, below the 50-day MA of 0.15, and below the 200-day MA of 0.20, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 89.53 is Negative, neither overbought nor oversold. The STOCH value of 44.41 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
73 Outperform | HK$6.92B | 5.14 | 5.14% | 11.28% | 0.59% | -5.95% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | HK$377.60M | 5.31 | 3.00% | 4.88% | -12.94% | -15.93% | |
65 Neutral | HK$1.37B | 4.31 | 8.51% | 7.43% | 1.11% | 3.98% | |
59 Neutral | HK$279.00M | 20.63 | 1.09% | ― | 8.77% | -76.88% | |
42 Neutral | HK$111.36M | -1.47 | -29.10% | ― | 25.64% | -25.07% | |
40 Underperform | HK$98.91M | -9.53 | -50.33% | ― | 9.30% | 49.61% |
* Financial Sector Average
HK:3963
China Rongzhong Financial Holdings Company Limited
0.16
-0.09
-34.80%
HK:1563
International Alliance Financial Leasing Co., Ltd.
0.17
-0.01
-8.33%
HK:1601
Zhongguancun Science-Tech Leasing Co. Ltd. Class H
0.85
0.09
11.84%
HK:1905
Haitong Unitrust International Financial Leasing Co., Ltd Class H
0.84
0.12
16.67%
HK:0379
China Ever Grand Financial Leasing Group Co., Ltd.
0.07
>-0.01
-4.35%
HK:6866
Zuoli Kechuang Micro-finance Co. Ltd. Class H
0.32
0.05
18.52%
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.