Zuoli Kechuang Micro-finance Co. Ltd. Class H (HK:6866)
:6866
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Zuoli Kechuang Micro-finance Co. Ltd. Class H
(6866)
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Rating:67Neutral
Price Target:
HK$0.36
▲(29.64% Upside)
Action:ReiteratedDate:03/24/26
The score is driven primarily by solid financial fundamentals (strong profitability and conservative leverage) but tempered by uneven cash-flow reliability and low recent ROE. Valuation is a meaningful positive due to the low P/E and attractive dividend yield, while technical signals are mixed with weaker short-term momentum despite longer-term price support.
Positive Factors
Conservative leverage
A materially lower debt-to-equity (~0.21 in 2025) indicates a conservative capital structure. That durability reduces refinancing and solvency risk, preserves flexibility to absorb credit shocks, and supports steady lending or capital returns without stressing the balance sheet over the medium term.
Negative Factors
Volatile operating cash flow
Unpredictable operating cash flows, with past negative cash from operations and a sharp 2025 decline, undermine reliable internal funding. This variability raises collection and execution risk, complicates loan growth planning and dividend consistency, and forces reliance on external liquidity in stress periods.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage
A materially lower debt-to-equity (~0.21 in 2025) indicates a conservative capital structure. That durability reduces refinancing and solvency risk, preserves flexibility to absorb credit shocks, and supports steady lending or capital returns without stressing the balance sheet over the medium term.
Read all positive factors
Zuoli Kechuang Micro-finance Co. Ltd. Class H (6866) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$371.70M
Dividend Yield4.88%
Average Volume (3M)162.27K
Price to Earnings (P/E)5.3
Beta (1Y)0.12
Revenue Growth-12.94%
EPS Growth-15.93%
CountryHK
Employees77
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)<0.01
Shares Outstanding300,000,000
10 Day Avg. Volume54,000
30 Day Avg. Volume162,266
Financial Highlights & Ratios
PEG Ratio-0.94
Price to Book (P/B)0.15
Price to Sales (P/S)1.98
P/FCF Ratio3.60
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
Zuoli Kechuang Micro-finance Co. Ltd. Class H Business Overview & Revenue Model
Company Description
Zuoli Kechuang Micro-finance Company Limited operates as a microfinance company in the People's Republic of China. The company offers unsecured, guaranteed, collateralized, and pledged loans; enterprise loans, including agriculture loans and techn...
How the Company Makes Money
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Zuoli Kechuang Micro-finance Co. Ltd. Class H Financial Statement Overview
Summary
Income Statement
73
Positive
Balance Sheet
66
Positive
Cash Flow
57
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 131.12M | 157.69M | 123.77M | 195.08M | 180.61M | 199.13M |
| Gross Profit | 129.74M | 148.54M | 123.77M | 195.08M | 208.27M | 251.94M |
| EBITDA | 36.58M | 118.71M | 96.77M | 0.00 | 140.73M | 181.41M |
| Net Income | 49.40M | 58.88M | 62.44M | 92.65M | 93.34M | 116.49M |
Balance Sheet | ||||||
| Total Assets | 2.52B | 2.56B | 2.58B | 2.66B | 2.79B | 2.65B |
| Cash, Cash Equivalents and Short-Term Investments | 10.28M | 23.51M | 10.52M | 17.48M | 16.59M | 42.68M |
| Total Debt | 446.97M | 435.14M | 463.26M | 596.46M | 761.88M | 649.97M |
| Total Liabilities | 459.56M | 516.72M | 537.41M | 654.60M | 826.12M | 722.59M |
| Stockholders Equity | 2.00B | 2.03B | 1.98B | 1.94B | 1.90B | 1.86B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 86.82M | 160.85M | 284.92M | -5.50M | 69.12M |
| Operating Cash Flow | 0.00 | 86.89M | 160.85M | 284.95M | -5.46M | 70.28M |
| Investing Cash Flow | 0.00 | 14.30M | 58.00K | 96.00K | -26.00K | 118.00K |
| Financing Cash Flow | 0.00 | -88.52M | -167.85M | -284.04M | -19.51M | -104.22M |
Zuoli Kechuang Micro-finance Co. Ltd. Class H Technical Analysis
Negative
0.28
Price Trends
0.37
Negative
0.33
Negative
0.31
Positive
Market Momentum
-0.01
Positive
30.57
Neutral
40.20
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:6866, the sentiment is Negative. The current price of 0.28 is below the 20-day moving average (MA) of 0.35, below the 50-day MA of 0.37, and below the 200-day MA of 0.31, indicating a neutral trend. The MACD of -0.01 indicates Positive momentum. The RSI at 30.57 is Neutral, neither overbought nor oversold. The STOCH value of 40.20 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:6866.
Zuoli Kechuang Micro-finance Co. Ltd. Class H Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | HK$680.00M | 7.26 | 6.53% | 5.46% | -24.04% | 60.24% | |
71 Outperform | HK$388.00M | 6.89 | 5.52% | 5.43% | -1.47% | 2.86% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | HK$371.70M | 5.31 | 2.79% | 4.88% | -12.94% | -15.93% | |
59 Neutral | HK$270.55M | 20.00 | 1.09% | ― | 8.77% | -76.88% | |
51 Neutral | HK$340.25M | 5.14 | 2.04% | 6.48% | -15.82% | 2.51% |
* Financial Sector Average
HK:6866
Zuoli Kechuang Micro-finance Co. Ltd. Class H
0.32
0.05
21.15%
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Guangdong Join-Share Financing Guarantee Investment Co., Ltd. Class H
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International Alliance Financial Leasing Co., Ltd.
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Quanzhou Huixin Micro-credit Co., Ltd. Class H
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Yangzhou Guangling District Taihe Rural Micro-finance Company Limited Class H
0.27
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0.00%
Zuoli Kechuang Micro-finance Co. Ltd. Class H Corporate Events
Zuoli Kechuang Micro-finance Sells Connected Party Properties for RMB18.49 Million
Mar 20, 2026
Zuoli Kechuang Micro-finance Company Limited and its non-wholly owned subsidiary Jinhui Micro-finance have agreed to sell two office properties in Zhejiang Province to connected party Zuoli Holdings for a combined consideration of RMB18.49 million...
Zuoli Kechuang Micro-finance Posts Slight Profit Decline but Stronger Liquidity in 2025
Mar 20, 2026
Zuoli Kechuang Micro-finance Company Limited reported audited annual results for the year ended 31 December 2025, showing net interest income of RMB142.9 million, down from RMB155.8 million a year earlier amid lower interest income. Profit attribu...
Zuoli Kechuang Micro-finance Sets March 2026 Board Meeting to Approve 2025 Results
Mar 10, 2026
Zuoli Kechuang Micro-finance Company Limited has scheduled a board meeting for 20 March 2026 to review and approve its audited consolidated annual results for the year ended 31 December 2025. At the same meeting, the board will also consider wheth...
Zuoli Kechuang Wins Shareholder Backing to Surrender Microfinance Licence and Revamp Business Scope
Mar 4, 2026
Zuoli Kechuang Micro-finance Company Limited has secured shareholder approval at an extraordinary general meeting to surrender its micro-finance licence and subsequently change its company name, business scope and constitutional documents. All spe...
Zuoli Kechuang Calls EGM to Drop Micro-Finance License and Overhaul Corporate Charter
Feb 6, 2026
Zuoli Kechuang Micro-finance Company Limited has convened an extraordinary general meeting for 4 March 2026 in Deqing, Zhejiang, seeking shareholder approval to surrender its micro-finance license, cease its micro-finance business, and change its ...
Zuoli Kechuang Plans Name Change and Governance Overhaul in Shift to Holding Company
Jan 28, 2026
Zuoli Kechuang Micro-finance Company Limited plans to change its Chinese and English names to remove the “Micro-finance” reference as part of its transition into a general holding company, following its proposed surrender of a micro-fi...
Zuoli Kechuang to Surrender Parent-Level Micro-Finance License and Rebrand as Holding Company
Jan 9, 2026
Zuoli Kechuang Micro-finance Company Limited plans to surrender the micro-finance license held at the listed parent-company level and formally reposition itself as a general holding company, while keeping the micro-finance license and operating ac...
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.