FY Financial (Shenzhen) Co., Ltd. Class H (8452) AI Stock Analysis

• Market Cap: HK$106.01M
• Dividend Yield: N/A
• Average Volume (3M): 21.40K
• Price to Earnings (P/E): 26.6
• Beta (1Y): 0.53
• Revenue Growth: 91.80%
• EPS Growth: N/A
• Country: HK
• Employees: 70
• Sector: Financial
• Sector Strength: 80
• Industry: Financial - Credit Services
• EPS (TTM): -0.02
• Shares Outstanding: 89,840,000
• 10 Day Avg. Volume: 35,000
• 30 Day Avg. Volume: 21,400
• PEG Ratio: 0.01
• Price to Book (P/B): 0.31
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 1.33
• 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: HK$0.50
• Price Target Upside: 66.67% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 46 Neutral
• Price Target: HK$0.50 ▲(66.67%Upside)

The overall stock score is primarily impacted by mixed financial performance, bearish technical indicators, and poor valuation metrics. Financial stability is supported by a strong balance sheet, but profitability and cash flow issues weigh heavily. The stock's technicals are weak, indicating downward momentum, and the negative P/E ratio reflects significant earnings challenges.

FY Financial (Shenzhen) Co., Ltd. Class H Business Overview & Revenue Model

Company Description

FY Financial (Shenzhen) Co., Ltd. Class H (8452) is a financial services company based in Shenzhen, China. The company primarily operates within the sectors of wealth management, financial advisory, and investment services, catering to both individual and institutional clients. It offers a range of products and services, including asset management, financial planning, and investment advisory solutions, aimed at helping clients achieve their financial goals.

How the Company Makes Money

FY Financial (Shenzhen) Co., Ltd. generates revenue through a variety of financial services and products. The company's primary revenue streams include fees from asset management services, where it earns management and performance fees based on the value of assets under management (AUM). Additionally, the company charges advisory fees for providing financial planning and investment advice to its clients. Significant contributions to earnings may also come from partnership agreements with other financial institutions, expanding its service offerings and client base. The company's earnings are influenced by market conditions, client asset growth, and the successful execution of its investment strategies.

FY Financial (Shenzhen) Co., Ltd. Class H Financial Statement Overview

Summary

The company's financial performance is mixed. The balance sheet is strong with high equity and low leverage. However, profitability issues are evident with negative net profit margins and volatile EBIT and EBITDA. Cash flow challenges are concerning, with negative operating and free cash flows.

Income Statement

The company has experienced significant fluctuations in revenue over the years, with a notable decline from 2019 to 2024. The Gross Profit Margin has been relatively stable but the Net Profit Margin has been negative in recent years, indicating profitability challenges. The EBIT and EBITDA margins have also been volatile, reflecting operational inefficiencies and cost management issues.

Balance Sheet

The balance sheet shows a solid equity position, with a high Equity Ratio indicating strong financial stability. The Debt-to-Equity Ratio is low, suggesting conservative leverage. However, the Return on Equity has been inconsistent, impacted by fluctuating net income levels.

Cash Flow

The company has faced challenges in maintaining positive operating cash flow, with significant negative cash flow in recent years. The Free Cash Flow has also been negative, raising concerns about cash generation capabilities. The ratios of operating and free cash flow to net income highlight these cash flow challenges.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	56.19M	133.07M	57.07M	29.50M	43.10M	103.84M
Gross Profit	31.60M	44.87M	15.09M	12.59M	34.36M	69.17M
EBITDA	5.74M	-4.93M	10.72M	35.74M	24.37M	50.19M
Net Income	5.16M	-6.87M	4.75M	-32.49M	14.93M	3.24M
Balance Sheet
Total Assets	486.05M	557.54M	486.55M	511.63M	553.16M	914.05M
Cash, Cash Equivalents and Short-Term Investments	37.93M	26.08M	62.26M	182.95M	148.35M	142.02M
Total Debt	10.81M	10.55M	11.25M	8.78M	1.02M	326.35M
Total Liabilities	38.22M	115.28M	35.74M	60.94M	77.57M	454.79M
Stockholders Equity	444.10M	436.97M	443.85M	439.07M	475.59M	459.26M
Cash Flow
Free Cash Flow	-21.75M	-33.05M	-96.75M	103.42M	300.55M	497.68M
Operating Cash Flow	-21.30M	-32.24M	-94.74M	108.28M	300.55M	500.21M
Investing Cash Flow	-7.26M	-7.39M	-13.61M	-74.71M	29.53M	40.66M
Financing Cash Flow	4.23M	3.45M	-12.35M	1.03M	-323.75M	-419.28M

FY Financial (Shenzhen) Co., Ltd. Class H Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.30
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:8452, the sentiment is Negative. The current price of 0.3 is below the 20-day moving average (MA) of 0.33, below the 50-day MA of 0.35, and below the 200-day MA of 0.38, indicating a bearish trend. The MACD of -0.02 indicates Positive momentum. The RSI at 40.05 is Neutral, neither overbought nor oversold. The STOCH value of 60.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:8452.

FY Financial (Shenzhen) Co., Ltd. Class H Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	58 Neutral	HK$90.97B	5.09	-3.21%	5.32%	7.36%	-55.21%
8019	51 Neutral	HK$96.14M	―	-2.87%	―	-17.40%	11.19%
0379	50 Neutral	HK$118.11M	―	-20.36%	―	91.60%	-107.36%
8452	46 Neutral	HK$106.01M	26.55	-1.70%	―	91.80%	―
3963	45 Neutral	HK$139.56M	―	-45.32%	―	-8.54%	89.70%