Yangzijiang Financial Holding Ltd. (YF8) AI Stock Analysis

• Market Cap: S$1.24B
• Dividend Yield: 3.76%
• Average Volume (3M): 15.23M
• Price to Earnings (P/E): 3.7
• Beta (1Y): 0.82
• Revenue Growth: -9.47%
• EPS Growth: 131.72%
• Country: SG
• Employees: 69
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 0.02
• Shares Outstanding: 3,480,450,400
• 10 Day Avg. Volume: 19,075,330
• 30 Day Avg. Volume: 15,232,916
• PEG Ratio: 0.04
• Price to Book (P/B): 0.16
• Price to Sales (P/S): 3.02
• P/FCF Ratio: 1.54
• 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: S$2.68
• Price Target Upside: 568.75% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): 0.04
• Revenue Forecast (FY): S$340.25M

• Rating: 64 Neutral
• Price Target: S$0.38 ▼(-5.00% Downside)

The overall stock score is primarily influenced by strong valuation metrics, suggesting the stock may be undervalued. However, financial performance concerns, such as declining revenue growth and negative cash flow trends, along with weak technical indicators, weigh on the score.

Positive Factors

Margin Sustainability

Consistently high gross, net, EBIT and EBITDA margins indicate an efficient cost structure and pricing power. Durable margins help the firm absorb revenue volatility, fund strategic investments, and support returns to shareholders over the medium term.

Balance Sheet Strength

A very low debt-to-equity ratio and healthy equity mix provide financial flexibility to invest, pursue strategic opportunities, and withstand market downturns. Low leverage reduces default risk and preserves capacity for longer-term growth initiatives.

Diversified Revenue Streams

Multiple income sources across asset management, brokerage and private equity reduce reliance on any single revenue driver. This diversification supports steadier cash generation, cross-selling opportunities and resilience to sector-specific shocks over a multi-month horizon.

Negative Factors

Declining Revenue Trend

A near-term double-digit decline in revenue growth signals structural pressure on top-line expansion. Persisting revenue contraction can erode economies of scale, limit reinvestment capacity, and ultimately pressure margins and long-term profitability if not reversed.

Weak Free Cash Flow Growth

Negative free cash flow growth, even with healthy operating cash conversion, suggests rising capital or working capital needs that reduce available cash. Over time this can constrain dividends, buybacks, deleveraging or strategic investments, limiting financial flexibility.

Limited Scale / Concentration Risk

A small headcount for an asset-management and capital-markets business implies limited distribution reach and operational scale. That constrains the ability to win large mandates, increases key-person risk, and may slow product expansion and sustainable AUM growth.

Yangzijiang Financial Holding Ltd. Business Overview & Revenue Model

Company Description

Yangzijiang Financial Holding Ltd., an investment holding company, engages in the investment-related activities in the People's Republic of China and Singapore. The company operates through Investment Management, Fund Management, and Wealth Management segments. Its investments include debt investments, venture capital investments, microfinancing, fund and wealth management, and investment advisory services. The company was incorporated in 2021 and is based in Singapore.

How the Company Makes Money

Yangzijiang Financial Holding Ltd. generates revenue through multiple streams, including management fees from its asset management services, brokerage commissions from securities trading, and performance fees associated with investment funds. The company also earns income from its private equity investments and strategic partnerships, which may involve joint ventures or collaborative investment projects. Additionally, YF8 benefits from market trends, economic conditions, and its ability to leverage its expertise in financial management to attract and retain clients, thereby enhancing its revenue potential.

Yangzijiang Financial Holding Ltd. Financial Statement Overview

Summary

Yangzijiang Financial Holding Ltd. demonstrates strong profitability and a stable balance sheet with low leverage. However, the decline in revenue growth and negative free cash flow growth rate are areas of concern that could impact future financial performance.

Income Statement

Yangzijiang Financial Holding Ltd. has shown strong profitability with high gross and net profit margins, although there is a significant decline in revenue growth rate in the latest year. The EBIT and EBITDA margins are robust, indicating efficient operations. However, the negative revenue growth rate is a concern and suggests potential challenges in maintaining top-line growth.

Balance Sheet

The company maintains a very low debt-to-equity ratio, indicating strong financial stability and low leverage risk. Return on equity is moderate, reflecting decent profitability relative to shareholder equity. The equity ratio is healthy, suggesting a solid capital structure with a high proportion of assets financed by equity.

Cash Flow

Cash flow metrics present a mixed picture. While the operating cash flow to net income ratio is strong, indicating good cash generation relative to earnings, the free cash flow growth rate is negative, which could signal potential cash flow challenges. The free cash flow to net income ratio is healthy, suggesting efficient conversion of earnings into cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	181.14M	218.89M	348.43M	323.58M	428.67M	428.98M
Gross Profit	255.56M	187.36M	345.85M	299.49M	425.49M	408.77M
EBITDA	243.94M	383.07M	282.11M	270.52M	362.70M	356.93M
Net Income	334.93M	304.63M	201.80M	162.00M	327.24M	321.07M
Balance Sheet
Total Assets	4.22B	4.42B	4.18B	4.21B	4.40B	4.84B
Cash, Cash Equivalents and Short-Term Investments	2.02B	2.33B	2.66B	2.94B	3.46B	2.86B
Total Debt	164.00K	23.92M	732.00K	14.56M	0.00	0.00
Total Liabilities	201.89M	199.71M	262.46M	332.13M	151.11M	169.69M
Stockholders Equity	3.87B	4.07B	3.84B	3.87B	4.25B	4.67B
Cash Flow
Free Cash Flow	82.47M	429.49M	844.71M	311.44M	879.42M	-612.43M
Operating Cash Flow	95.50M	473.32M	972.75M	311.45M	801.06M	-611.69M
Investing Cash Flow	-511.82M	-459.02M	-130.20M	-223.68M	141.45M	-129.00M
Financing Cash Flow	157.27M	-21.94M	-34.66M	552.27M	-948.57M	605.83M

Yangzijiang Financial Holding Ltd. Technical Analysis

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

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SG:YF8, the sentiment is Negative. The current price of 0.4 is above the 20-day moving average (MA) of 0.37, below the 50-day MA of 0.41, and below the 200-day MA of 0.42, indicating a bearish trend. The MACD of -0.02 indicates Positive momentum. The RSI at 25.52 is Positive, neither overbought nor oversold. The STOCH value of 18.52 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SG:YF8.

Yangzijiang Financial Holding Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
S41	71 Outperform	S$1.24B	14.74	4.02%	4.87%	-10.51%	-15.79%
BLS	69 Neutral	S$136.60M	-59.18	-0.96%	7.76%	―	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
U10	66 Neutral	S$3.10B	14.06	10.50%	4.63%	7.87%	-4.03%
YF8	64 Neutral	S$1.24B	3.71	8.61%	3.76%	-9.47%	131.72%
HKB	58 Neutral	S$1.44B	22.13	―	―	―	―

Yangzijiang Financial Holding Ltd. Corporate Events

Yangzijiang Financial Announces Spin-Off and SGX Listing of Maritime Segment

Yangzijiang Financial Holding Ltd. has announced the spin-off of its maritime investments segment into a new entity, Yangzijiang Maritime Development Ltd., which will be listed on the main board of the Singapore Exchange (SGX-ST). The shares of Yangzijiang Maritime Development Ltd. will be included in the Central Provident Fund Investment Scheme, allowing shareholders to use their CPF funds to purchase these shares. This move is expected to enhance the company’s market presence and provide more investment opportunities for stakeholders.

The most recent analyst rating on (SG:YF8) stock is a Hold with a S$1.00 price target. To see the full list of analyst forecasts on Yangzijiang Financial Holding Ltd. stock, see the SG:YF8 Stock Forecast page.

Yangzijiang Financial’s Restructuring Plan with Shanshan Co. Terminated

Yangzijiang Financial Holding Ltd., through its subsidiary Jiangsu New Yangzi Commerce & Trading Co., Ltd., was involved in a proposed restructuring exercise of Ningbo Shanshan Co., Ltd. However, the draft restructuring plan was not approved at a creditors’ meeting, leading to the termination of the agreement. The company has stated that this development is not expected to have any material adverse impact on its operations.

The most recent analyst rating on (SG:YF8) stock is a Hold with a S$1.00 price target. To see the full list of analyst forecasts on Yangzijiang Financial Holding Ltd. stock, see the SG:YF8 Stock Forecast page.