Easy Repay Finance & Investment Limited (8079) AI Stock Analysis

• Market Cap: HK$14.31M
• Dividend Yield: N/A
• Average Volume (3M): 560.47K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.88
• Revenue Growth: -5.70%
• EPS Growth: 73.35%
• Country: HK
• Employees: 37
• Sector: Consumer Defensive
• Sector Strength: 42
• Industry: Grocery Stores
• EPS (TTM): -0.01
• Shares Outstanding: 31,117,200
• 10 Day Avg. Volume: 255,577
• 30 Day Avg. Volume: 560,467
• PEG Ratio: >-0.01
• Price to Book (P/B): 0.39
• Price to Sales (P/S): 0.27
• P/FCF Ratio: -5.17
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 41 Neutral
• Price Target: HK$0.44 ▲(8.29% Upside)

The overall stock score is primarily driven by the company's poor financial performance and weak technical indicators. The negative P/E ratio and lack of dividend yield further weigh down the valuation score. The absence of earnings call data and corporate events leaves the financial and technical analysis as the main determinants of the score.

Positive Factors

Low Leverage

Low leverage provides financial stability and flexibility, allowing the company to navigate economic uncertainties without significant debt burdens.

Improved Operating Cash Flow

Improved operating cash flow indicates better cash management and operational efficiency, which can support future investments and debt servicing.

EPS Growth

Significant EPS growth suggests improved profitability and operational performance, potentially leading to better investor confidence and market position.

Negative Factors

Declining Revenue

Declining revenue indicates challenges in market demand or competitive positioning, which can impact long-term growth and profitability.

Negative Free Cash Flow

Negative free cash flow limits the company's ability to invest in growth opportunities and may necessitate external financing, impacting financial health.

Operational Inefficiencies

Operational inefficiencies hinder profitability and competitive advantage, requiring strategic improvements to enhance cost management and margin sustainability.

Easy Repay Finance & Investment Limited Business Overview & Revenue Model

Company Description

Wisdomcome Group Holdings Ltd. engages in the money lending business, financial instruments, and quoted shares investment, retail and wholesale business. It operates through Money Lending; and Groceries Retail and Wholesale. The company was founded on March 6, 2001 and is headquartered in Hong Kong.

How the Company Makes Money

The company generates revenue primarily through interest income from loans issued to customers. This includes personal loans, business loans, and other credit facilities, where interest is charged based on the principal amount and the duration of the loan. Additionally, Easy Repay Finance & Investment Limited may earn fees from loan origination, processing, and late payment charges. The company could also generate income through investment management fees if it offers advisory services or manages investment portfolios for clients. Significant partnerships with financial institutions and technology platforms may enhance its capabilities to provide competitive lending rates and expand its customer base, contributing to its overall earnings.

Easy Repay Finance & Investment Limited Financial Statement Overview

Summary

The company faces significant financial challenges, with declining revenues and persistent losses impacting profitability. While leverage is low, the company struggles with cash flow generation and operational inefficiencies. The financial health is concerning, requiring strategic interventions to stabilize and improve performance.

Income Statement

The company has experienced a significant decline in revenue over the years, with a negative revenue growth rate of -14.67% in the most recent year. Gross profit margin has been volatile, and the net profit margin remains deeply negative, indicating ongoing losses. EBIT and EBITDA margins are also negative, reflecting operational inefficiencies and challenges in cost management.

Balance Sheet

The company's debt-to-equity ratio is relatively low, suggesting conservative leverage. However, the return on equity is negative, indicating that the company is not generating profits from its equity base. The equity ratio is moderate, but the declining stockholders' equity over the years is a concern.

Cash Flow

Operating cash flow has improved recently, but free cash flow remains negative, highlighting liquidity challenges. The free cash flow growth rate is negative, and the free cash flow to net income ratio indicates that cash generation is insufficient to cover losses.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	52.18M	41.56M	53.32M	71.40M	98.27M	115.37M
Gross Profit	12.75M	12.76M	-2.50M	30.28M	37.76M	53.12M
EBITDA	-53.76M	-43.49M	-105.00M	-40.90M	-50.97M	-84.99M
Net Income	-62.42M	-45.42M	-114.40M	-54.10M	-64.32M	-93.95M
Balance Sheet
Total Assets	41.91M	41.91M	86.85M	188.73M	225.13M	278.69M
Cash, Cash Equivalents and Short-Term Investments	4.11M	4.11M	9.98M	58.39M	52.15M	68.15M
Total Debt	4.27M	4.27M	5.93M	11.10M	15.21M	4.16M
Total Liabilities	13.17M	13.17M	14.29M	17.02M	21.76M	11.00M
Stockholders Equity	29.53M	29.53M	72.80M	171.71M	203.37M	267.69M
Cash Flow
Free Cash Flow	-2.20M	-2.20M	-29.74M	-6.93M	-7.25M	13.81M
Operating Cash Flow	6.49M	6.49M	-28.07M	-244.00K	-195.00K	23.15M
Investing Cash Flow	-5.49M	-5.49M	-3.08M	-8.42M	-19.17M	-19.75M
Financing Cash Flow	-1.95M	-1.95M	10.24M	12.80M	-3.48M	-6.32M

Easy Repay Finance & Investment Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.41
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:8079, the sentiment is Negative. The current price of 0.41 is below the 20-day moving average (MA) of 0.47, below the 50-day MA of 0.50, and below the 200-day MA of 0.47, indicating a bearish trend. The MACD of -0.03 indicates Positive momentum. The RSI at 38.82 is Neutral, neither overbought nor oversold. The STOCH value of 17.65 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:8079.

Easy Repay Finance & Investment Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	62 Neutral	$20.33B	14.63	-3.31%	3.23%	1.93%	-12.26%
8340	50 Neutral	HK$24.00M	3.27	11.56%	―	94.66%	―
8079	41 Neutral	HK$14.31M	-0.30	-88.77%	―	-5.70%	73.35%
8018	39 Underperform	€17.65M	-1.73	-21.34%	―	8.14%	83.10%