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International Alliance Financial Leasing Co., Ltd.
(1563)
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Rating:63Neutral
Price Target:
HK$0.12
▼(-30.00% Downside)
Action:Reiterated
Date:10/28/26
The score is driven mainly by solid financial stability (notably low leverage and positive cash flow), partially offset by uneven profitability/earnings quality (including negative gross profit in 2026). Valuation looks attractive on a low P/E, but technicals remain weak with the price below key moving averages and negative MACD.
Positive Factors
Conservative leverage and deleveraging
Conservative leverage gives the leasing business greater resilience against credit losses and funding stress, while the substantial deleveraging trend improves financial flexibility. A large equity base can also support continued asset financing and help absorb volatility without relying excessively on new borrowing.
Negative Factors
Negative gross profit in 2026
Negative gross profit raises a fundamental concern about the economics of the company’s core leasing activity, suggesting elevated direct costs, credit-related charges, or accounting reclassifications. If persistent, this could limit margin sustainability and make reported net income less representative of recurring operating performance.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage and deleveraging
Conservative leverage gives the leasing business greater resilience against credit losses and funding stress, while the substantial deleveraging trend improves financial flexibility. A large equity base can also support continued asset financing and help absorb volatility without relying excessively on new borrowing.
Read all positive factors
International Alliance Financial Leasing Co., Ltd. (1563) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$202.91M
Dividend YieldN/A
Average Volume (3M)280.73K
Price to Earnings (P/E)4.0
Beta (1Y)0.68
Revenue Growth-3.94%
EPS Growth63.37%
CountryHK
Employees2,464
SectorConsumer Defensive
Sector Strength42
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)<0.01
Shares Outstanding1,690,914,000
10 Day Avg. Volume396,000
30 Day Avg. Volume280,733
Financial Highlights & Ratios
PEG Ratio0.08
Price to Book (P/B)0.09
Price to Sales (P/S)0.31
P/FCF Ratio1.46
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
International Alliance Financial Leasing Co., Ltd. Business Overview & Revenue Model
Company Description
Alliance International Education Leasing Holdings Limited is an investment holding company that operates in two main segments: Finance Leasing and Private Higher Education. The Finance Leasing segment offers services like sale-leaseback and direct...
How the Company Makes Money
International Alliance Financial Leasing Co., Ltd. makes money primarily by originating leasing and lease-like financing contracts and earning returns on the capital it deploys. Key revenue streams are: (1) Lease/financing income: Under financial ...
International Alliance Financial Leasing Co., Ltd. Financial Statement Overview
Summary
Income Statement
52
Neutral
Balance Sheet
81
Very Positive
Cash Flow
63
Positive
| Breakdown | Mar 2025 | Mar 2025 | Mar 2024 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 739.15M | 734.76M | 599.30M | 293.08M | 169.46M |
| Gross Profit | -24.19M | 311.33M | 599.30M | 293.08M | 169.46M |
| EBITDA | 255.66M | 265.48M | 1.08B | 517.88M | 215.49M |
| Net Income | 43.29M | 26.26M | 112.09M | 360.39M | 78.90M |
Balance Sheet | |||||
| Total Assets | 3.73B | 3.78B | 3.68B | 4.17B | 2.44B |
| Cash, Cash Equivalents and Short-Term Investments | 476.42M | 224.46M | 376.05M | 125.83M | 141.82M |
| Total Debt | 99.53M | 118.54M | 71.66M | 20.85M | 625.96M |
| Total Liabilities | 804.47M | 877.12M | 878.34M | 1.58B | 1.16B |
| Stockholders Equity | 2.46B | 2.44B | 2.38B | 2.24B | 1.27B |
Cash Flow | |||||
| Free Cash Flow | 154.80M | 237.29M | 520.08M | 149.65M | 794.77M |
| Operating Cash Flow | 233.74M | 291.00M | 764.69M | 151.26M | 796.33M |
| Investing Cash Flow | 65.19M | -355.38M | -567.70M | -266.57M | 76.35M |
| Financing Cash Flow | -29.24M | -75.66M | -149.10M | 90.78M | -762.86M |
International Alliance Financial Leasing Co., Ltd. Technical Analysis
Negative
0.17
Price Trends
0.12
Negative
0.13
Negative
0.14
Negative
Market Momentum
>-0.01
Negative
51.59
Neutral
93.80
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1563, the sentiment is Negative. The current price of 0.17 is above the 20-day moving average (MA) of 0.12, above the 50-day MA of 0.12, and above the 200-day MA of 0.14, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 51.59 is Neutral, neither overbought nor oversold. The STOCH value of 93.80 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:1563.
International Alliance Financial Leasing Co., Ltd. Peers Comparison
UnderperformOutperform
Sector (62)
HK:1563
International Alliance Financial Leasing Co., Ltd.
0.12
-0.08
-39.09%
HK:2371
China Chuanglian Education Financial Group Limi ted
0.16
-0.17
-51.52%
International Alliance Financial Leasing Co., Ltd. Corporate Events
Alliance International Education Leasing seals RMB23.7m sale-and-leaseback deal
Sep 24, 2026
Alliance International Education Leasing Holdings Limited, through a wholly owned subsidiary acting as lessor, has entered into a finance lease arrangement with an independent third-party lessee in China. Under the deal, the lessor will acquire sp...
Alliance International Education Leasing Wins Full Shareholder Backing at AGM, Appoints New Auditor
Aug 27, 2026
Alliance International Education Leasing Holdings Limited announced the results of its annual and extraordinary general meetings held on 27 August 2026, where all resolutions were approved by poll with overwhelming shareholder support. Shareholder...
Alliance International Education Leasing Sets Out Board and Committee Structure
Aug 27, 2026
Alliance International Education Leasing Holdings Limited announced the current composition of its board, led by chairman and chief executive officer Li Luqiang alongside two other executive directors and three independent non-executive directors....
Alliance International Education Leasing Seals RMB37 Million Finance Lease Deal
Aug 20, 2026
Alliance International Education Leasing Holdings Limited has entered into a new finance lease transaction through a wholly owned subsidiary, underscoring its role as a specialist provider of leasing solutions for education-related assets. The dea...
Alliance International Education Leasing Sets AGM to Approve Accounts, Board Mandates and New Auditor
Aug 4, 2026
Alliance International Education Leasing Holdings Limited, a Hong Kong-listed Cayman-incorporated specialist in education-focused financial leasing in the PRC, operates through subsidiaries under the oversight of a board of executive directors. Th...
Alliance International Education Leasing Moves to Replace Auditor and Cut Audit Costs
Aug 4, 2026
Alliance International Education Leasing Holdings Limited has announced that its long‑standing auditor, SHINEWING (HK) CPA Limited, will retire following the annual general meeting on 27 August 2026 after the parties failed to agree on the a...
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.