Capital Finance Holdings Limited (HK:8239)
:8239
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Capital Finance Holdings Limited
(8239)
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Rating:45Neutral
Price Target:
HK$10.50
▲(9.60% Upside)
Action:ReiteratedDate:01/24/26
The score is held down primarily by weak financial performance (steep revenue decline, large losses, and missing 2024 operating/free cash flow) and a negative P/E that reflects ongoing unprofitability. More supportive technical momentum provides some offset but is not strong enough to overcome the fundamental risks.
Positive Factors
Diversified revenue streams
Multiple revenue channels (personal loans, business loans, investment management fees and partner distribution) provide structural diversification. This reduces concentration risk, supports cross-selling, and can stabilize earnings volatility over a multi-month horizon even if one segment softens.
Negative Factors
Sharp revenue decline
A near-50% revenue drop compresses scale economics and weakens the company’s ability to cover fixed costs and fund growth. Such a pronounced top-line contraction undermines sustainable profitability and heightens execution risk over the medium term absent a clear revenue recovery plan.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified revenue streams
Multiple revenue channels (personal loans, business loans, investment management fees and partner distribution) provide structural diversification. This reduces concentration risk, supports cross-selling, and can stabilize earnings volatility over a multi-month horizon even if one segment softens.
Read all positive factors
Capital Finance Holdings Limited (8239) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$1.25B
Dividend YieldN/A
Average Volume (3M)258.18K
Price to Earnings (P/E)―
Beta (1Y)0.29
Revenue Growth26.82%
EPS Growth68.75%
CountryHK
Employees39
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-0.25
Shares Outstanding93,841,460
10 Day Avg. Volume266,641
30 Day Avg. Volume258,175
Financial Highlights & Ratios
PEG Ratio-0.05
Price to Book (P/B)1.26
Price to Sales (P/S)2.65
P/FCF Ratio2.19
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
Capital Finance Holdings Limited Business Overview & Revenue Model
Company Description
Capital Finance Holdings Limited, an investment holding company, provides short-term financing services in China and Hong Kong. It offers pawn and entrusted loans, micro-financing services, financial consultancy, and distressed debt assets managem...
How the Company Makes Money
Capital Finance Holdings Limited generates revenue through multiple channels, primarily by charging interest on loans provided to consumers and businesses. The company has a diversified portfolio that includes personal loans, which typically carry...
Capital Finance Holdings Limited Financial Statement Overview
Summary
Income Statement
35
Negative
Balance Sheet
40
Negative
Cash Flow
30
Negative
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 27.39M | 18.86M | 36.23M | 1.51M | 2.16M | 2.81M |
| Gross Profit | 33.45M | 13.61M | 33.63M | -24.17M | -37.41M | -46.31M |
| EBITDA | 10.17M | -9.27M | 6.00M | 26.37M | 33.44M | -25.25M |
| Net Income | -13.02M | -16.91M | -8.82M | -7.63M | -19.02M | -75.95M |
Balance Sheet | ||||||
| Total Assets | 150.42M | 155.65M | 219.25M | 294.86M | 416.50M | 470.75M |
| Cash, Cash Equivalents and Short-Term Investments | 84.50M | 72.24M | 93.18M | 105.73M | 101.53M | 156.06M |
| Total Debt | 75.20M | 76.30M | 117.17M | 180.27M | 286.82M | 433.81M |
| Total Liabilities | 83.16M | 83.50M | 129.74M | 193.54M | 298.64M | 444.73M |
| Stockholders Equity | 32.89M | 39.52M | 51.14M | 60.25M | 75.00M | -20.99M |
Cash Flow | ||||||
| Free Cash Flow | 16.62M | 22.76M | 52.68M | 88.62M | 36.87M | -284.00K |
| Operating Cash Flow | 16.89M | 23.03M | 52.84M | 88.70M | 37.01M | 1.50M |
| Investing Cash Flow | 1.78M | -273.00K | 2.82M | 11.93M | 8.48M | -12.07M |
| Financing Cash Flow | -13.88M | -41.12M | -65.16M | -85.48M | -92.01M | -96.74M |
Capital Finance Holdings Limited Technical Analysis
Positive
9.58
Price Trends
12.04
Positive
11.05
Positive
7.99
Positive
Market Momentum
0.34
Positive
61.24
Neutral
85.06
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:8239, the sentiment is Positive. The current price of 9.58 is below the 20-day moving average (MA) of 12.95, below the 50-day MA of 12.04, and above the 200-day MA of 7.99, indicating a bullish trend. The MACD of 0.34 indicates Positive momentum. The RSI at 61.24 is Neutral, neither overbought nor oversold. The STOCH value of 85.06 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:8239.
Capital Finance Holdings Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
54 Neutral | HK$77.62M | -63.35 | 0.90% | ― | -13.23% | ― | |
49 Neutral | HK$160.30M | 24.47 | -4.97% | ― | -31.23% | 33.60% | |
45 Neutral | HK$1.25B | -4.78 | -35.17% | ― | 26.82% | 68.75% | |
44 Neutral | HK$34.56M | -0.89 | -22.16% | ― | -31.28% | -400.00% | |
42 Neutral | HK$119.80M | -1.47 | -29.10% | ― | 25.64% | -25.07% |
* Financial Sector Average
HK:8239
Capital Finance Holdings Limited
13.30
12.70
2116.67%
HK:0431
Greater China Financial Holdings Limited
0.01
0.00
0.00%
HK:0379
China Ever Grand Financial Leasing Group Co., Ltd.
0.07
<0.01
4.41%
HK:0736
China Properties Investment Holdings Limited
0.50
0.39
354.55%
HK:8019
Hao Wen Holdings Ltd.
0.22
-0.24
-52.61%
HK:8621
Metropolis Capital Holdings Ltd.
0.04
>-0.01
-16.28%
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.