Sino-Life Group Limited (8296) AI Stock Analysis

• Market Cap: HK$32.13M
• Dividend Yield: N/A
• Average Volume (3M): 22.59K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.62
• Revenue Growth: 15.60%
• EPS Growth: 62.35%
• Country: US
• Employees: 173
• Sector: Consumer Cyclical
• Sector Strength: 84
• Industry: Personal Products & Services
• EPS (TTM): N/A
• Shares Outstanding: 94,500,000
• 10 Day Avg. Volume: 2,520
• 30 Day Avg. Volume: 22,586
• PEG Ratio: >-0.01
• Price to Book (P/B): 0.31
• Price to Sales (P/S): 0.51
• P/FCF Ratio: -4.26
• 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: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 48 Neutral
• Price Target: HK$0.34 ▼(-15.75% Downside)

The overall stock score of 48 reflects significant financial challenges, including consistent losses and weak cash flows. Technical indicators show a bearish trend, and valuation metrics are poor due to negative earnings. The company's stable equity position provides some support, but strategic improvements are necessary for future growth.

Positive Factors

Diversified insurance and financial services model

Sino-Life's mix of individual life, group and health insurance products plus investment income and strategic distribution partnerships provides structural diversification of premium streams. This reduces concentration risk and supports steadier premium inflows and cross-sell opportunities over months.

Consistent revenue expansion

A reported ~15.6% revenue growth indicates durable top-line momentum from premium increases or expanded distribution. Sustained premium growth supports scale economics, reserve coverage and the potential to leverage fixed costs, improving the path to sustained profitability over the medium term.

Healthy equity ratio and cash buffers

A solid equity base and available cash provide a buffer for insurance liabilities and regulatory capital requirements. These structural balance-sheet strengths enhance solvency resilience, give breathing room to execute strategic fixes, and reduce immediate funding pressure over several months.

Negative Factors

Weak operating cash generation

Negative operating and free cash flow signal limited internal funding for claims, commissions and distribution investments. Persistently weak cash generation increases reliance on external financing or asset sales, constraining strategic flexibility and raising liquidity risk over the medium term.

Ongoing net losses and weak margins

Continued net losses and thin operating margins point to structural profitability issues—likely from underwriting, expense or product mix inefficiencies. Without sustained margin improvement, losses erode capital and impair the firm's ability to reinvest or meet regulatory requirements over time.

Notable debt and negative return on equity

Elevated leverage combined with negative ROE raises solvency and capital-efficiency concerns for an insurer. Debt obligations limit financial flexibility, increase interest burdens, and, alongside negative ROE, indicate the firm isn't generating returns on shareholder capital without material profit recovery or deleveraging.

Sino-Life Group Limited Business Overview & Revenue Model

Company Description

Sino-Life Group Limited (8296) is a diversified investment holding company based in Hong Kong, primarily engaged in the life insurance and financial services sectors. The company operates through various subsidiaries, offering a range of products and services, including life insurance policies, health insurance, and other financial solutions tailored to meet the needs of individual and corporate clients. Sino-Life aims to provide comprehensive and innovative financial protection and investment options to its customers.

How the Company Makes Money

Sino-Life Group Limited generates revenue primarily through the sale of life and health insurance policies, which includes premium collections from its clients. The company's revenue model is built on earning premiums from policyholders, which are then invested to generate additional income. Key revenue streams include individual life insurance products, group insurance plans, and supplementary health insurance. Additionally, the company may benefit from investment income derived from its managed assets. Strategic partnerships with financial institutions and distribution channels also enhance its market reach and contribute to revenue growth.

Sino-Life Group Limited Financial Statement Overview

Summary

Sino-Life Group Limited is facing financial challenges with consistent losses and weak cash flows. While the company's equity position provides some stability, operational inefficiencies and liquidity issues pose risks. Strategic improvements in profitability and cash management are necessary for long-term sustainability.

Income Statement

The company shows fluctuating revenue with a slight increase in 2024. However, the net income is negative, indicating ongoing losses. Gross profit margin remains stable, but EBIT and EBITDA margins are weak, reflecting operational inefficiencies.

Balance Sheet

The balance sheet shows a healthy equity ratio but also a notable level of debt, which is a concern. The company maintains a good cash position, but the return on equity is negative due to net losses.

Cash Flow

Cash flow from operations is weak, with negative free cash flow indicating potential liquidity issues. The company needs to improve its cash generation capabilities to support operations and reduce financial risk.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	76.60M	74.94M	72.57M	77.97M	72.86M	68.34M
Gross Profit	33.52M	32.28M	33.48M	39.80M	37.98M	29.17M
EBITDA	-3.57M	-4.96M	1.70M	11.96M	-4.28M	7.40M
Net Income	-4.84M	-8.70M	-7.17M	-847.00K	-9.87M	-2.97M
Balance Sheet
Total Assets	250.66M	250.63M	271.71M	284.79M	263.85M	277.61M
Cash, Cash Equivalents and Short-Term Investments	149.92M	148.63M	173.51M	180.59M	156.13M	158.11M
Total Debt	28.23M	29.68M	37.43M	27.90M	33.49M	38.83M
Total Liabilities	151.21M	147.09M	163.17M	153.97M	158.27M	165.89M
Stockholders Equity	119.70M	123.45M	123.72M	113.22M	114.61M	119.27M
Cash Flow
Free Cash Flow	1.19M	-8.97M	-3.04M	7.77M	-4.31M	14.18M
Operating Cash Flow	1.94M	-8.21M	-2.60M	10.24M	-407.00K	17.89M
Investing Cash Flow	-3.93M	-3.30M	17.36M	-32.20M	-1.83M	-3.50M
Financing Cash Flow	-3.07M	-2.10M	-7.66M	18.77M	-7.75M	-6.17M

Sino-Life Group Limited Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 0.40
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:8296, the sentiment is Neutral. The current price of 0.4 is above the 20-day moving average (MA) of 0.33, above the 50-day MA of 0.34, and above the 200-day MA of 0.39, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 54.01 is Neutral, neither overbought nor oversold. The STOCH value of 100.00 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for HK:8296.

Sino-Life Group Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
0922	62 Neutral	HK$253.24M	9.12	2.99%	9.17%	-7.05%	-43.44%
Sector *	61 Neutral	$18.38B	12.79	-2.54%	3.03%	1.52%	-15.83%
1448	61 Neutral	HK$6.06B	-29.97	-3.58%	19.70%	-28.00%	-129.57%
6966	55 Neutral	HK$475.00M	-65.07	-3.06%	1.10%	-38.66%	-161.86%
8296	48 Neutral	HK$32.13M	-6.18	-3.96%	―	15.60%	62.35%