Oriental Payment Group Holdings Limited (8613) AI Stock Analysis

• Market Cap: HK$109.88M
• Dividend Yield: N/A
• Average Volume (3M): 172.72K
• Price to Earnings (P/E): ―
• Beta (1Y): -0.60
• Revenue Growth: -43.10%
• EPS Growth: -5.98%
• Country: HK
• Employees: 20
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): -0.01
• Shares Outstanding: 1,927,716,700
• 10 Day Avg. Volume: 61,146
• 30 Day Avg. Volume: 172,715
• PEG Ratio: 0.89
• Price to Book (P/B): -49.49
• Price to Sales (P/S): 7.52
• P/FCF Ratio: -34.08
• 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: 41 Neutral
• Price Target: HK$0.05 ▼(-4.00% Downside)

The overall stock score is primarily driven by the company's poor financial performance, characterized by significant losses, high leverage, and liquidity issues. The technical analysis indicates a bearish trend, and the valuation metrics reflect the company's unprofitability. These factors collectively suggest a high-risk investment.

Positive Factors

Core Offerings

Oriental Payment Group's focus on fintech and payment processing positions it well in the growing digital payment industry, which is expected to expand as global trends shift towards cashless transactions.

Revenue Streams

Diverse revenue streams from transaction fees and subscriptions provide a stable income base, allowing the company to capitalize on increasing digital payment adoption and strategic partnerships.

Strategic Alliances

Strategic alliances enhance service offerings and market reach, potentially driving long-term growth as the company leverages partnerships to expand its client base and service capabilities.

Negative Factors

Financial Challenges

The company's declining revenues and substantial losses highlight ongoing financial instability, which could undermine its ability to invest in growth and maintain competitive positioning.

High Leverage

High leverage and negative equity suggest financial instability, limiting the company's ability to secure additional financing and increasing the risk of insolvency.

Cash Flow Issues

Severe cash flow challenges indicate that the company struggles to generate sufficient cash from operations, which could hinder its ability to sustain operations and invest in growth opportunities.

Oriental Payment Group Holdings Limited Business Overview & Revenue Model

Company Description

Oriental Payment Group Holdings Limited, a merchant acquirer, provides payment processing services to various merchants visited by Chinese tourists in Thailand. The company enables its merchants to accept various cross-border electronic payment methods, including credit cards, debit cards, QR codes, NFC, and other alternative payment technologies. It also offers marketing and administrative; and environmental, social, and governance reporting and consultancy services. The company was founded in 2004 and is headquartered in Bangkok, Thailand.

How the Company Makes Money

The company generates revenue through various streams, primarily by charging transaction fees for processing payments on its platforms. These fees are typically a percentage of the transaction value or a flat fee per transaction, depending on the service agreement with clients. Additionally, Oriental Payment Group may earn income from subscription services for premium features offered to businesses, as well as through partnerships with financial institutions and e-commerce platforms that enhance its service offerings. The company's strategic alliances and client base in the growing digital payment market significantly contribute to its earnings, especially as global trends shift towards cashless transactions.

Oriental Payment Group Holdings Limited Financial Statement Overview

Summary

The company is facing severe financial challenges with declining revenues, substantial losses, high leverage, and negative equity. Cash flow issues are critical, with negative growth in free cash flow and insufficient cash generation from operations.

Income Statement

The company has experienced a significant decline in revenue over the past year, with a negative revenue growth rate of -13.61%. Gross profit margin stands at 32.93%, which is relatively stable, but the net profit margin is deeply negative at -97.41%, indicating substantial losses. EBIT and EBITDA margins are also negative, reflecting operational inefficiencies and high costs relative to revenue.

Balance Sheet

The balance sheet shows a concerning debt-to-equity ratio of -5.01, indicating negative equity and high leverage. Return on equity is positive at 6.41%, but this is due to negative equity. The equity ratio is not calculable due to negative equity, suggesting financial instability and potential solvency issues.

Cash Flow

The company has a negative free cash flow growth rate of -420.29%, highlighting severe cash flow challenges. Operating cash flow to net income ratio is negative, indicating that the company is not generating sufficient cash from operations to cover its losses. The free cash flow to net income ratio is positive, but this is due to negative net income, which is not a favorable indicator.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	42.72M	35.12M	31.72M	8.38M	3.89M	12.37M
Gross Profit	14.16M	11.57M	9.21M	644.00K	289.00K	4.47M
EBITDA	-20.94M	-15.25M	-19.20M	-20.25M	-26.20M	-17.61M
Net Income	-43.36M	-34.21M	-37.16M	-32.23M	-38.51M	-30.66M
Balance Sheet
Total Assets	57.99M	57.99M	112.69M	111.46M	82.00M	82.67M
Cash, Cash Equivalents and Short-Term Investments	3.96M	3.96M	4.43M	11.68M	31.41M	29.24M
Total Debt	26.72M	35.77M	18.19M	36.17M	33.90M	29.13M
Total Liabilities	63.33M	63.33M	89.37M	59.11M	58.46M	35.22M
Stockholders Equity	-5.34M	-5.34M	23.32M	52.35M	23.54M	47.45M
Cash Flow
Free Cash Flow	-8.66M	-7.75M	2.44M	-32.70M	-26.28M	-19.00M
Operating Cash Flow	-3.18M	-3.69M	4.27M	-29.35M	-13.13M	-18.23M
Investing Cash Flow	-6.08M	-4.06M	-2.01M	-3.35M	-13.15M	-776.00K
Financing Cash Flow	10.60M	7.07M	-8.79M	12.77M	29.12M	10.16M

Oriental Payment Group Holdings Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.05
• 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:8613, the sentiment is Negative. The current price of 0.05 is below the 20-day moving average (MA) of 0.06, below the 50-day MA of 0.06, and below the 200-day MA of 0.10, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 37.63 is Neutral, neither overbought nor oversold. The STOCH value of 40.60 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:8613.

Oriental Payment Group Holdings Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8062	74 Outperform	HK$118.08M	―	-0.93%	8.47%	-29.38%	-104.21%
8017	69 Neutral	HK$1.01B	14.63	39.26%	―	146.18%	1617.05%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
3315	61 Neutral	€789.68M	16.98	2.23%	6.32%	-16.76%	-50.21%
9923	54 Neutral	HK$3.97B	35.60	3.35%	―	-9.32%	477.27%
0818	54 Neutral	HK$1.56B	10.89	1.98%	―	-17.23%	-6.20%
8613	41 Neutral	HK$109.88M	-3.17	―	―	-43.10%	-5.98%