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

• Market Cap: HK$113.19M
• Dividend Yield: N/A
• Average Volume (3M): 25.60K
• Price to Earnings (P/E): 26.6
• Beta (1Y): 0.50
• Revenue Growth: 91.80%
• EPS Growth: N/A
• Country: HK
• Employees: 70
• Sector: Financial
• Sector Strength: 65
• Industry: Financial - Credit Services
• EPS (TTM): N/A
• Shares Outstanding: 89,840,000
• 10 Day Avg. Volume: 13,600
• 30 Day Avg. Volume: 25,600
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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: 56.25% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 49 Neutral
• Price Target: HK$0.50 ▲(56.25% Upside)

The overall stock score is primarily influenced by mixed financial performance, with strong balance sheet metrics offset by profitability and cash flow challenges. Technical analysis indicates a bearish trend, and valuation metrics highlight profitability concerns. The absence of earnings call data and corporate events limits additional insights.

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

Company Description

FY Financial (Shenzhen) Co., Ltd. operates as a financial services company in the People's Republic of China. It operates through two segments, Financial and Advisory Business, and Trading Operation Business. The Financial and Advisory Business segment offers direct finance leasing and sale-leaseback services; factoring services, such as financing and accounts receivable management services, as well as consulting services; and customer referral. This segment also provides advisory services, including market information, product recommendation, industry competition analysis, and operation process optimizing services, as well as financial and asset management advisory services. The Trading Operation Business segment engages in the import and domestic trade of medical equipment; and the provision of maintenance services in the medical equipment industry. It serves fast-moving consumer goods, electronics, alternative energy, medical, transportation, and machinery parts processing industries. FY Financial (Shenzhen) Co., Ltd. was founded in 2012 and is headquartered in Shenzhen, the People's Republic of China.

How the Company Makes Money

FY Financial (Shenzhen) Co., Ltd. generates revenue through interest income from the issuance of small loans. The company targets individuals and SMEs that might have limited access to traditional banking services due to various barriers. By offering competitive interest rates and flexible repayment terms, FY Financial attracts a range of borrowers. The company's revenue model relies heavily on the interest accrued on these loans, and it may also generate additional income from service fees associated with loan processing and management. Partnerships with local businesses and financial institutions may also enhance its revenue streams by extending its reach and increasing its customer base.

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: 0.32
• 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 0.32 is below the 20-day moving average (MA) of 0.32, below the 50-day MA of 0.33, and below the 200-day MA of 0.38, indicating a bearish trend. The MACD of <0.01 indicates Positive momentum. The RSI at 47.81 is Neutral, neither overbought nor oversold. The STOCH value of 30.59 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$112.06B	6.03	-4.20%	3.95%	9.29%	-46.28%
8452	49 Neutral	HK$113.19M	26.55	-1.70%	―	91.80%	―
0431	―	HK$77.76M	―		―	―	―
1915	―	HK$159.00M	―	-0.58%	―	―	―
8019	51 Neutral	HK$90.80M	―	-2.87%	―	-17.40%	11.19%
0379	49 Neutral	HK$133.30M	―	-20.36%	―	91.60%	-107.36%
3963	41 Neutral	HK$157.77M	―	-45.32%	―	-5.19%	36.15%