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

• Market Cap: HK$102.41M
• Dividend Yield: N/A
• Average Volume (3M): 107.60K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.58
• Revenue Growth: 135.97%
• EPS Growth: -271.72%
• Country: HK
• Employees: 70
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): >-0.01
• Shares Outstanding: 89,840,000
• 10 Day Avg. Volume: 171,000
• 30 Day Avg. Volume: 107,600
• PEG Ratio: 0.05
• Price to Book (P/B): 0.24
• Price to Sales (P/S): 0.78
• P/FCF Ratio: -3.16
• 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: 47 Neutral
• Price Target: HK$0.27 ▼(-3.21% Downside)

The overall stock score is primarily impacted by the company's mixed financial performance and weak technical indicators. The strong balance sheet is a positive factor, but profitability and cash flow challenges weigh heavily on the score. The bearish technical trend and negative valuation metrics further contribute to the low score.

Positive Factors

Strong Balance Sheet

A strong balance sheet with low leverage and high equity provides financial resilience, enabling the company to withstand economic fluctuations and invest in growth opportunities.

Revenue Growth

Significant revenue growth demonstrates the company's ability to expand its market presence and enhance its service offerings, which is crucial for long-term competitiveness and profitability.

Diversified Revenue Streams

Diversified revenue streams reduce dependency on any single income source, enhancing financial stability and allowing the company to capitalize on various market opportunities.

Negative Factors

Profitability Challenges

Ongoing profitability challenges and cash flow issues can hinder the company's ability to reinvest in its business and sustain long-term growth, impacting overall financial health.

Negative Cash Flow

Negative cash flow raises concerns about the company's ability to fund operations and investments without relying on external financing, which could limit strategic flexibility.

Volatile Profit Margins

Volatile and negative profit margins suggest operational inefficiencies and cost management issues, which could undermine long-term profitability and competitive positioning.

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, specializing in a range of financial products and services. The company operates primarily in the investment and asset management sectors, offering services such as wealth management, investment advisory, and financial planning. FY Financial aims to cater to both individual and institutional clients, providing tailored financial solutions to meet diverse investment needs.

How the Company Makes Money

FY Financial generates revenue through multiple key streams, including management fees from asset management services, commissions from investment advisory services, and performance fees based on the success of investment portfolios. The company may also earn income through strategic partnerships with financial institutions, banks, and technology platforms that enhance its service offerings. Additionally, FY Financial could benefit from market fluctuations and investment performance, resulting in bonus structures and profit-sharing arrangements that further contribute to its earnings.

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

Summary

The company shows a mixed financial performance. The balance sheet is strong with low leverage and high equity, but the income statement reveals profitability issues, and cash flow statements indicate difficulties in cash generation. Addressing profitability and cash flow issues is crucial for long-term financial health.

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	45.07M	133.07M	57.07M	29.50M	43.10M	103.84M
Gross Profit	45.07M	44.87M	17.35M	12.59M	34.36M	69.17M
EBITDA	0.00	-4.93M	11.00M	-32.39M	19.85M	25.42M
Net Income	-1.14M	-6.87M	4.75M	-29.50M	14.93M	3.24M
Balance Sheet
Total Assets	559.64M	557.54M	486.55M	511.63M	553.16M	914.05M
Cash, Cash Equivalents and Short-Term Investments	27.69M	26.08M	62.26M	182.95M	148.35M	142.02M
Total Debt	10.75M	10.55M	11.25M	8.78M	1.02M	326.35M
Total Liabilities	118.78M	115.28M	35.74M	60.94M	77.57M	454.79M
Stockholders Equity	435.83M	436.97M	443.85M	439.07M	475.59M	459.26M
Cash Flow
Free Cash Flow	507.00K	-33.05M	-96.75M	103.42M	300.55M	497.68M
Operating Cash Flow	531.00K	-32.24M	-94.74M	108.28M	300.55M	500.21M
Investing Cash Flow	1.56M	-7.39M	-13.61M	-74.71M	29.53M	40.66M
Financing Cash Flow	-479.00K	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: 0.28
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Positive

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 0.28 is below the 20-day moving average (MA) of 0.29, below the 50-day MA of 0.30, and below the 200-day MA of 0.34, indicating a bearish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 44.94 is Neutral, neither overbought nor oversold. The STOCH value of 4.66 is Positive, 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 *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8019	55 Neutral	HK$96.14M	15.52	2.03%	―	-13.23%	―
8452	47 Neutral	HK$102.41M	-11.45	-1.99%	―	135.97%	-271.72%
0379	47 Neutral	HK$145.11M	-1.94	-21.07%	―	25.64%	-25.07%
3963	38 Underperform	HK$121.36M	-14.71	-52.79%	―	9.31%	49.61%