Yangzijiang Financial Holding Ltd. (YF8) AI Stock Analysis

• Market Cap: S$852.71M
• Dividend Yield: 3.76%
• Average Volume (3M): 15.23M
• Price to Earnings (P/E): ―
• Beta (1Y): 0.95
• Revenue Growth: -9.47%
• EPS Growth: 131.72%
• Country: SG
• Employees: 69
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): -0.05
• Shares Outstanding: 3,480,450,400
• 10 Day Avg. Volume: 19,075,330
• 30 Day Avg. Volume: 15,232,916
• PEG Ratio: 2.66
• Price to Book (P/B): 0.81
• Price to Sales (P/S): 14.52
• P/FCF Ratio: -11.41
• 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$4.53
• Price Target Upside: 1031.25% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): 0.03
• Revenue Forecast (FY): S$287.50M

• Rating: 49 Neutral
• Price Target: S$0.24 ▼(-39.00% Downside)
• Action: Reiterated Date: 03/03/26
• Date: Action: Reiterated 03/03/26

The score is primarily constrained by weaker current fundamentals (sharp revenue decline, a shift to a small loss, and negative operating/free cash flow). Technicals also weigh on the outlook due to a clear downtrend with negative momentum, despite oversold readings. Valuation is partially supported by the high dividend yield, but the negative P/E reflects earnings weakness.

Positive Factors

Conservative balance sheet

Low leverage provides durable financial flexibility: with minimal debt the company can absorb revenue shocks, fund selective lending or investment opportunities, and avoid forced asset sales. Over 2–6 months this supports stability in capital deployment and counterparty confidence.

Negative Factors

Sharp revenue decline

A near-halving of revenue and a swing to a slight loss materially weakens earnings visibility and the firm’s ability to fund lending/investment activities internally. Over the next several months this reduces intrinsic cash buffer and constrains discretionary capital allocation.

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 Manage...

Read more

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 Manage...

How the Company Makes Money

YF8 makes money primarily by deploying its capital into financing and investment activities and earning returns on those assets. Key revenue streams typically include: (1) interest income from loans or other financing provided to borrowers/counter...

Read more

YF8 makes money primarily by deploying its capital into financing and investment activities and earning returns on those assets. Key revenue streams typically include: (1) interest income from loans or other financing provided to borrowers/counter...

Yangzijiang Financial Holding Ltd. Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	97.43M	218.89M	348.43M	323.58M	428.67M
Gross Profit	96.18M	187.36M	345.85M	299.49M	425.49M
EBITDA	-186.92M	383.07M	282.11M	270.52M	362.70M
Net Income	-5.22M	304.63M	201.80M	162.00M	327.24M
Balance Sheet
Total Assets	1.89B	4.42B	4.18B	4.21B	4.40B
Cash, Cash Equivalents and Short-Term Investments	1.07B	2.33B	2.66B	2.94B	3.46B
Total Debt	0.00	23.92M	732.00K	14.56M	0.00
Total Liabilities	145.89M	199.71M	262.46M	332.13M	151.11M
Stockholders Equity	1.75B	4.07B	3.84B	3.87B	4.25B
Cash Flow
Free Cash Flow	-123.97M	429.49M	844.71M	311.44M	879.42M
Operating Cash Flow	-65.71M	473.32M	972.75M	311.45M	801.06M
Investing Cash Flow	-16.49M	-459.02M	-130.20M	-223.68M	141.45M
Financing Cash Flow	-636.67M	-21.94M	-34.66M	552.27M	-948.57M

Yangzijiang Financial Holding Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.40
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• 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 0.26, above the 50-day MA of 0.31, and below the 200-day MA of 0.42, indicating a bearish trend. The MACD of -0.02 indicates Negative momentum. The RSI at 26.42 is Positive, neither overbought nor oversold. The STOCH value of 16.98 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
U10	72 Outperform	S$3.29B	―	9.75%	4.63%	7.87%	-4.03%
S41	71 Outperform	S$1.14B	18.75	2.98%	4.87%	-10.51%	-15.79%
BLS	69 Neutral	S$137.55M	-159.84	-0.08%	7.76%	―	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HKB	53 Neutral	S$1.44B	22.13	3.46%	―	―	―
YF8	49 Neutral	S$852.71M	-1.88	-0.19%	3.76%	-9.47%	131.72%