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Yangzijiang Financial Holding Ltd. (SG:YF8)
:YF8
Singapore Market
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Yangzijiang Financial Holding Ltd. (YF8) AI Stock Analysis

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SG:YF8

Yangzijiang Financial Holding Ltd.

(SGX:YF8)

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Neutral 62 (OpenAI - 4o)
Rating:62Neutral
Price Target:
S$1.00
▼(-3.85% Downside)
Yangzijiang Financial Holding Ltd. demonstrates strong financial performance with high profitability and a solid balance sheet, which are significant strengths. However, the stock faces bearish technical indicators, suggesting potential short-term challenges. The valuation is reasonable, with a decent dividend yield, making it attractive for income investors.

Yangzijiang Financial Holding Ltd. (YF8) vs. iShares MSCI Singapore ETF (EWS)

Yangzijiang Financial Holding Ltd. Business Overview & Revenue Model

Company DescriptionYangzijiang Financial Holding Ltd. is a financial services company based in Singapore, primarily engaged in the provision of a diverse range of financial solutions. The company operates across various sectors including asset management, private equity, and financial advisory services. Yangzijiang Financial Holding aims to leverage its expertise to deliver tailored financial products and services that cater to individual and institutional clients, facilitating investment opportunities and wealth management solutions.
How the Company Makes MoneyYangzijiang Financial Holding Ltd. generates revenue through multiple streams, including management fees from its asset management services, performance fees from private equity investments, and advisory fees from financial consultancy services. The company's asset management division earns fees based on the assets under management (AUM), while its private equity segment profits from successful investment exits and capital gains. Additionally, strategic partnerships with other financial institutions and investment firms enhance its service offerings and broaden its client base, contributing to its overall financial performance.

Yangzijiang Financial Holding Ltd. Financial Statement Overview

Summary
Yangzijiang Financial Holding Ltd. shows strong financial resilience with high profitability and minimal leverage. While revenue has decreased, the company's profit margins and balance sheet remain robust, indicating strong financial health. However, the slight decline in cash flow generation requires future attention.
Income Statement
The company's income statement reflects a mixed performance. There is a significant decline in total revenue from the previous year, dropping from SGD 348.43 million to SGD 218.89 million. Despite this, the net profit margin remains strong at 139.12%, indicating high profitability driven by cost control. The EBITDA margin is also robust at 175.00%, suggesting efficient operations. However, the lack of EBIT data for the current year limits a comprehensive analysis of core operational profitability.
Balance Sheet
Yangzijiang Financial Holding Ltd. maintains a very healthy balance sheet with a strong equity position. The debt-to-equity ratio is extremely low at 0.0059, highlighting minimal leverage, which reduces financial risk. The company also shows a high equity ratio of 91.92%, indicating financial stability and a strong asset base. The return on equity is impressive at 7.49%, showcasing effective use of shareholder funds despite a challenging revenue environment.
Cash Flow
The cash flow statement reveals a robust free cash flow of SGD 429.49 million, though there is a decline from the previous year's free cash flow of SGD 844.71 million, indicating a decrease in cash flow generation. The operating cash flow to net income ratio of 1.55 suggests effective conversion of net income into cash. However, the free cash flow to net income ratio of 1.41 shows a slight decrease in free cash flow generation relative to net income.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue181.14M218.89M348.43M323.58M428.67M428.98M
Gross Profit255.56M187.36M345.85M299.49M425.49M408.77M
EBITDA243.94M383.07M282.11M270.52M362.70M356.93M
Net Income334.93M304.63M201.80M162.00M327.24M321.07M
Balance Sheet
Total Assets4.22B4.42B4.18B4.21B4.40B4.84B
Cash, Cash Equivalents and Short-Term Investments2.02B2.33B2.66B2.94B3.46B2.86B
Total Debt164.00K23.92M732.00K14.56M0.000.00
Total Liabilities201.89M199.71M262.46M332.13M151.11M169.69M
Stockholders Equity3.87B4.07B3.84B3.87B4.25B4.67B
Cash Flow
Free Cash Flow82.47M429.49M844.71M311.44M879.42M-612.43M
Operating Cash Flow95.50M473.32M972.75M311.45M801.06M-611.69M
Investing Cash Flow-511.82M-459.02M-130.20M-223.68M141.45M-129.00M
Financing Cash Flow157.27M-21.94M-34.66M552.27M-948.57M605.83M

Yangzijiang Financial Holding Ltd. Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price1.04
Price Trends
50DMA
1.11
Negative
100DMA
0.98
Positive
200DMA
0.79
Positive
Market Momentum
MACD
-0.02
Positive
RSI
32.61
Neutral
STOCH
4.17
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SG:YF8, the sentiment is Neutral. The current price of 1.04 is below the 20-day moving average (MA) of 1.15, below the 50-day MA of 1.11, and above the 200-day MA of 0.79, indicating a neutral trend. The MACD of -0.02 indicates Positive momentum. The RSI at 32.61 is Neutral, neither overbought nor oversold. The STOCH value of 4.17 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for SG:YF8.

Yangzijiang Financial Holding Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
72
Outperform
S$1.16B13.884.02%4.92%-10.51%-15.79%
68
Neutral
€2.28B10.3610.50%4.92%7.87%-4.03%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
62
Neutral
S$3.62B10.878.61%3.32%-9.47%131.72%
54
Neutral
S$1.44B22.83
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
SG:YF8
Yangzijiang Financial Holding Ltd.
1.04
0.66
173.68%
SG:U10
UOB-Kay Hian Holdings Limited
2.41
0.93
63.28%
SG:BLS
Hotung Investment Holdings Limited
1.41
0.17
13.71%
SG:HKB
AMTD IDEA Group Class A
3.60
0.00
0.00%
SG:S35
Sing Investments & Finance Limited
1.61
0.62
62.63%
SG:S41
Hong Leong Finance Limited
2.59
0.25
10.68%

Yangzijiang Financial Holding Ltd. Corporate Events

Yangzijiang Financial Leads Restructuring of Lithium Battery Giant Shanshan Co.
Oct 1, 2025

Yangzijiang Financial Holding Ltd., through its subsidiary and strategic partners, has invested RMB 1.02 billion to lead the restructuring of Shanshan Co., a prominent supplier of lithium battery anode materials and polarizers. The investment will grant the consortium, led by Yangzijiang Financial, a 23.36% effective voting rights in Shanshan Co., enhancing its influence in the global new energy and display industries and aligning with the company’s strategic focus on long-term growth opportunities.

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 Holding Ltd. Emphasizes Transparency at Extraordinary General Meeting
Oct 1, 2025

Yangzijiang Financial Holding Ltd. recently held an Extraordinary General Meeting in Singapore, where key management and shareholders gathered to discuss company matters. The meeting emphasized the company’s commitment to corporate transparency, with all resolutions being voted on by poll, aligning with the Singapore Exchange’s requirements.

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 Anchors S$100 Million Fund for Singapore SMEs
Aug 18, 2025

Yangzijiang Financial Holding Ltd. has announced its role as the anchor investor in a S$100 million investment fund launched by ICH Asset Management, targeting Singapore’s small and mid-cap enterprises. This strategic move aligns with the Monetary Authority of Singapore’s Equity Market Development Programme, aiming to boost the local equity market. By leveraging its investment expertise and ICHAM’s local market knowledge, Yangzijiang Financial seeks to capture value-accretive opportunities and enhance its market positioning.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Oct 23, 2025