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Asia Financial Holdings (0662) AI Stock Analysis
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Asia Financial Holdings
(HKEX:0662)
The score is driven primarily by strong balance-sheet strength and profitability, but is held back by the major risks flagged in the financials—especially the steep 2025 revenue decline and inconsistent/negative operating and free cash flow. Valuation is a meaningful offset (low P/E and high dividend yield), while technical signals are broadly neutral and do not add strong momentum support.
Asia Financial Holdings (0662) vs. iShares MSCI Hong Kong ETF (EWH)
- Market Cap
- HKD 4.08B
- Dividend Yield
- 5.20%
- Average Volume (3M)
- 25.36K
- Price to Earnings (P/E)
- 3.2
- Beta (1Y)
- 0.25
- Revenue Growth
- 5.83%
- EPS Growth
- 82.97%
- Country
- Hong Kong
- Employees
- 393
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Insurance - Life
Asia Financial Holdings Business Overview & Revenue Model
Company Description
Asia Financial Holdings Limited specializes in offering both general and life insurance coverage within the regions of Hong Kong, Macau, and Mainland China. Its operational structure is divided into two primary segments: Insurance and Corporate. Beyo...
How the Company Makes Money
Asia Financial Holdings makes money mainly through (i) earnings and returns from its insurance-related operations (including premiums earned from underwriting, offset by claims and operating expenses, and investment income generated from investing in...
Asia Financial Holdings Financial Statement Overview
Summary
Strong reported profitability and a very conservative balance sheet (near-zero leverage and rising equity) are key positives. However, revenue is highly volatile with a sharp ~78% drop in 2025, and operating/free cash flow is frequently negative and inconsistent—raising concerns about cash conversion and earnings quality.
Income Statement
72PositiveBalance Sheet
88Very PositiveCash Flow
34Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 3.73B | 3.60B | 2.63B | 2.13B | 2.25B | 1.76B |
| Gross Profit | 2.67B | 3.60B | 2.63B | 2.13B | 925.30M | 1.76B |
| EBITDA | 1.29B | 1.04B | 770.62M | 493.80M | 250.12M | 730.04M |
| Net Income | 1.30B | 1.05B | 647.07M | 346.75M | 123.20M | 677.62M |
Balance Sheet | ||||||
| Total Assets | 18.98B | 19.26B | 16.33B | 15.04B | 15.64B | 15.39B |
| Cash, Cash Equivalents and Short-Term Investments | 413.48M | 3.23B | 8.00B | 7.86B | 8.15B | 8.36B |
| Total Debt | 0 | 4.88M | 2.77M | 3.78M | 5.87M | 4.34M |
| Total Liabilities | 5.25B | 5.60B | 4.66B | 4.29B | 5.15B | 5.01B |
| Stockholders Equity | 13.73B | 13.67B | 11.68B | 10.75B | 10.49B | 10.38B |
Cash Flow | ||||||
| Free Cash Flow | 886.01M | -114.94M | 119.68M | -616.95M | -1.12B | -115.97M |
| Operating Cash Flow | 896.71M | -99.36M | 131.98M | -602.02M | -1.11B | -110.51M |
| Investing Cash Flow | 102.33M | 481.83M | 32.26M | 173.11M | 252.72M | 186.41M |
| Financing Cash Flow | -210.56M | -147.57M | -116.06M | -97.55M | -125.43M | -130.64M |
Asia Financial Holdings Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:0662, the sentiment is Negative. The current price of 4.42 is below the 20-day moving average (MA) of 4.53, below the 50-day MA of 4.58, and below the 200-day MA of 4.55, indicating a bearish trend. The MACD of -0.03 indicates Positive momentum. The RSI at 26.44 is Positive, neither overbought nor oversold. The STOCH value of 8.89 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:0662.
Asia Financial Holdings Peers Comparison
Overall Rating
HK:096685Outperform
HK:262883Outperform
HK:129970Outperform- HK:066269Neutral
HK:231866Neutral
HK:260166Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HK:0966 | 85Outperform | HKD 60.95B | 1.89 | 33.37% | 7.25% | 18.51% | 293.61% |
| HK:2628 | 83Outperform | HKD 1.03T | 3.95 | 12.07% | 4.72% | 38.17% | 134.02% |
| HK:1299 | 70Outperform | HKD 780.14B | 12.65 | 19.05% | 2.63% | 13.31% | 36.76% |
| HK:0662 | 69Neutral | HKD 4.08B | 3.16 | 9.46% | 5.20% | 5.83% | 82.97% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| HK:2318 | 66Neutral | HKD 1.03T | 9.71 | 9.64% | 6.32% | -7.57% | -25.97% |
| HK:2601 | 66Neutral | HKD 320.14B | 6.67 | 13.91% | 6.89% | 9.37% | -11.20% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| HK:0662 | Asia Financial Holdings | 4.42 | 0.22 | 5.26% | |
| HK:2318 | Ping An Insurance | 49.74 | -3.82 | -7.13% | |
| HK:1299 | AIA Group | 75.40 | -2.64 | -3.38% | |
| HK:2601 | China Pacific Insurance (Group) Co Class H | 26.22 | -3.48 | -11.71% | |
| HK:2628 | China Life Insurance Co Class H | 23.88 | 0.30 | 1.26% | |
| HK:0966 | China Taiping Insurance Holdings Co | 16.96 | 0.37 | 2.20% |
Asia Financial Holdings Corporate Events
Asia Financial Issues Positive Profit Alert Ahead of Interim Results
Asia Financial Holdings Limited has issued a positive profit alert, indicating that its financial performance for the latest interim period is expected to improve compared with previous results. The notice suggests stronger profitability for the grou...
Asia Financial Updates Registered Office and Share Registrar Address in Bermuda
Asia Financial Holdings Limited has announced a change in the address of its registered office and its principal share registrar and transfer office in Bermuda, effective 3 August 2026. The new Bermuda address will be Richmond House, 12 Par-la-Ville...
Asia Financial Holdings Names Liu Ho Yuen as New CFO
Asia Financial Holdings Limited has appointed Mr. Liu Ho Yuen as Chief Financial Officer, effective 27 July 2026, strengthening its senior management team in Hong Kong. Liu brings extensive qualifications and experience, including membership in leadi...
Asia Financial Holdings Refreshes Board With New Non-Executive Director From Aioi Nissay Dowa
Asia Financial Holdings Limited, a Hong Kong-listed insurance and financial services group, maintains a strategic shareholding link with Japan’s Aioi Nissay Dowa Insurance Company, which owns about 5.69% of its issued share capital. The company...
Asia Financial Holdings Sets Out Board and Committee Structure
Asia Financial Holdings Limited announced the current composition of its board of directors, detailing the roles of executive, non-executive and independent non-executive members. The disclosure highlights the leadership of Chairman and President Ber...
Asia Financial Wins Strong Shareholder Backing at 2026 AGM
Asia Financial Holdings reported that all resolutions at its 2026 annual general meeting were duly passed by shareholders via electronic voting. Investors approved the 2025 audited financial statements, a final dividend of HK16 cents per share, and t...
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