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Cross-Harbour (Holdings) (0032) AI Stock Analysis

HK:0032

Cross-Harbour (Holdings)

(HKEX:0032)

Select Model
Rating:70Outperform
Price Target:HKD 7.50â–²(13.64% Upside)
Action:upgraded
Date:08/07/26

Strong valuation and balance sheet stability drive the score, offset by revenue inconsistency, weakening cash flows, and bearish technical trends.

Positive Factors
Conservative Balance SheetDebt is very low relative to equity across periods, indicating limited leverage risk and strong financial flexibility. This conservative structure can help the company absorb operating volatility and preserve capacity for capital allocation over the next several quarters.
Negative Factors
Recent Cash Flow CollapseThe sharp deterioration in operating and free cash flow is a significant fundamental weakness because reported profits are not translating into cash at the recent pace. Persistently weak conversion could reduce internally funded investment and constrain financial flexibility.

Cross-Harbour (Holdings) (0032) vs. iShares MSCI Hong Kong ETF (EWH)

-20%-15%-10%-5%0%5%10%15%20%HK:0032-17.23%EWH+7.37%Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26
Market Cap
HKD 2.46B
Dividend Yield
6.52%
Average Volume (3M)
35.46K
Price to Earnings (P/E)
4.0
Beta (1Y)
0.10
Revenue Growth
-5.33%
EPS Growth
-15.25%
Country
Hong Kong
Employees
660
Sector
Consumer Defensive
Sector Strength
62
Industry
Education & Training Services

Cross-Harbour (Holdings) Business Overview & Revenue Model

Company Description

The Cross-Harbour (Holdings) Limited, an investment holding company established in 1965 and based in Wan Chai, Hong Kong, engages in a wide array of activities. Its core operations in Hong Kong encompass motoring school management, treasury oversight...

Cross-Harbour (Holdings) Financial Statement Overview

Summary

Mixed financials with strong balance sheet (low debt, solid equity) but inconsistent revenue growth and declining cash flows.

Income Statement

65Positive

Balance Sheet

85Very Positive

Cash Flow

45Neutral
Financial statement breakdown
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue1.01B1.40B1.23B875.16M702.16M699.67M
Gross Profit680.25M1.07B874.42M564.79M456.70M470.89M
EBITDA499.69M887.35M686.68M478.76M-504.43M-399.24M
Net Income608.83M723.53M434.51M519.97M-445.25M-49.24M
Balance Sheet
Total Assets9.32B8.94B8.60B8.52B7.84B8.37B
Cash, Cash Equivalents and Short-Term Investments4.68B4.55B4.00B3.76B3.57B4.15B
Total Debt312.47M198.72M297.93M348.86M27.49M97.67M
Total Liabilities726.93M668.47M913.06M1.10B796.54M829.92M
Stockholders Equity8.36B8.07B7.49B7.22B6.86B7.34B
Cash Flow
Free Cash Flow204.59M46.87M47.51M877.32M826.10M888.24M
Operating Cash Flow236.53M63.05M64.35M903.30M836.16M914.48M
Investing Cash Flow-229.81M-138.74M348.15M-182.02M-989.80M441.60M
Financing Cash Flow-343.99M-343.30M-389.12M-239.59M-276.53M-228.71M

Cross-Harbour (Holdings) Technical Analysis

Technical Analysis SentimentNegative
Last Price6.60

Price Trends

50DMA7.08Negative
100DMA7.31Negative
200DMA7.64Negative

Market Momentum

MACD-0.13Negative
RSI25.79Positive
STOCH7.26Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:0032, the sentiment is Negative. The current price of 6.60 is below the 20-day moving average (MA) of 6.75, below the 50-day MA of 7.08, and below the 200-day MA of 7.64, indicating a bearish trend. The MACD of -0.13 indicates Negative momentum. The RSI at 25.79 is Positive, neither overbought nor oversold. The STOCH value of 7.26 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:0032.

Cross-Harbour (Holdings) Peers Comparison

Overall Rating

UnderperformOutperform
Sector (62)

Financial Indicators

HK:0032 against its peers
NameOverall RatingMarket CapP/E RatioROEDividend YieldRevenue GrowthEPS Growth
HK:0667HK:066771OutperformHKD 9.18B9.7613.25%7.25%16.18%28.61%
HK:0032HK:003270OutperformHKD 2.46B4.057.41%6.52%-5.33%-15.25%
HK:3978HK:397869NeutralHKD 1.77B4.8836.98%12.58%23.93%13.07%
HK:9901HK:990166NeutralHKD 53.63B14.8712.52%2.45%20.81%41.58%
HK:0839HK:083965NeutralHKD 5.11B5.434.48%―8.65%142.58%
Sector *62Neutral$20.33B14.63-3.31%3.23%1.93%-12.26%

* Consumer Defensive Sector Average

Performance Comparison

-40%-20%0%HK:0032HK:9901HK:3978HK:0667HK:0839Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26
HK:0032 and its peers over the selected period
Show on chartTickerCompany NamePriceChange% Change
HK:0032Cross-Harbour (Holdings) 6.60-1.38-17.33%
HK:9901New Oriental Education & Technology Group, Inc.38.34-6.56-14.62%
HK:3978China Beststudy Education Group2.36-2.44-50.88%
HK:0667China East Education Holdings Limited4.14-2.05-33.15%
HK:0839China Education Group Holdings Limited1.82-1.17-38.96%

Cross-Harbour (Holdings) Corporate Events

Cross-Harbour (Holdings) Posts Lower Interim Profit but Ups Second Dividend

Aug 20, 2026

The Cross-Harbour (Holdings) Limited reported unaudited profit attributable to shareholders of HK$404.4 million for the first half of 2026, down 22.1% from HK$519.1 million a year earlier, with earnings per share falling to HK$1.08 from HK$1.39. Tota...

Cross-Harbour (Holdings) Declares HKD 0.07 Second-Quarter Dividend for 2026

Aug 20, 2026

The Cross-Harbour (Holdings) Limited has declared an ordinary second-quarter cash dividend of HKD 0.07 per share for the financial year ending 31 December 2026, based on its interim results for the period to 30 June 2026. The ex-dividend date is set...

Cross-Harbour Sets August Board Meeting to Review Interim Results and Dividend

Aug 10, 2026

The Cross-Harbour (Holdings) Limited has scheduled a board meeting for 20 August 2026 to approve its financial results for the six months ended 30 June 2026 and to endorse their preliminary announcement for public release. The board will also conside...

Cross-Harbour Warns of Lower First-Half 2026 Profit on Reduced Investment Gains

Aug 5, 2026

The Cross-Harbour (Holdings) Limited has issued a profit warning, stating that profit attributable to equity holders for the six months ended 30 June 2026 is expected to be around HK$340 million, down from HK$519.1 million a year earlier. The decline...

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: Aug 04, 2026