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Quanzhou Huixin Micro-credit Co., Ltd. Class H
(1577)
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Rating:78Outperform
Price Target:
HK$1.50
▲(50.00% Upside)
Action:Reiterated
Date:06/17/26
The score is driven primarily by strong financial performance (high profitability, solid cash generation, and generally low leverage) and very favorable valuation (low P/E and high dividend yield). This is partially offset by weaker technical positioning versus key moving averages and a potentially stretched near-term oscillator signal, alongside business volatility and higher debt in 2025.
Positive Factors
High profitability and margins
Sustained high gross, operating and net margins indicate the firm earns strong spreads on lending and controls costs. That margin cushion supports internal funding, resilient earnings through loan-cycle swings and sustained return on equity, underpinning long-term capital generation.
Negative Factors
Top-line volatility and 2025 revenue decline
Material swings in revenue, including a notable 2025 decline, make earnings and loan-originations less predictable. For a micro‑lender, volatile top-line trends can force underwriting, liquidity and capital-allocation changes that impede stable growth and planning over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability and margins
Sustained high gross, operating and net margins indicate the firm earns strong spreads on lending and controls costs. That margin cushion supports internal funding, resilient earnings through loan-cycle swings and sustained return on equity, underpinning long-term capital generation.
Read all positive factors
Quanzhou Huixin Micro-credit Co., Ltd. Class H (1577) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$693.60M
Dividend Yield5.63%
Average Volume (3M)133.00
Price to Earnings (P/E)6.0
Beta (1Y)0.60
Revenue Growth93.55%
EPS Growth2.11%
CountryHK
Employees56
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.15
Shares Outstanding180,000,000
10 Day Avg. Volume400
30 Day Avg. Volume133
Financial Highlights & Ratios
PEG Ratio0.83
Price to Book (P/B)0.47
Price to Sales (P/S)4.28
P/FCF Ratio3.01
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
Quanzhou Huixin Micro-credit Co., Ltd. Class H Business Overview & Revenue Model
Company Description
Quanzhou Huixin Micro-credit Co., Ltd., a microfinance company, provides various short-term financing solutions to entrepreneurial individuals, small and medium-sized enterprises, and microenterprises in the People’s Republic of China. It offers r...
How the Company Makes Money
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Quanzhou Huixin Micro-credit Co., Ltd. Class H Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
86
Very Positive
Cash Flow
82
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 193.99M | 142.77M | 173.36M | 113.18M | 131.34M | 133.56M |
| Gross Profit | 188.29M | 138.18M | 172.93M | 113.18M | 128.43M | 131.46M |
| EBITDA | 140.42M | 135.70M | 130.49M | 102.94M | 99.08M | 84.86M |
| Net Income | 99.52M | 97.34M | 91.71M | 64.81M | 60.70M | 42.08M |
Balance Sheet | ||||||
| Total Assets | 1.40B | 1.43B | 1.24B | 1.30B | 1.33B | 1.37B |
| Cash, Cash Equivalents and Short-Term Investments | 98.82M | 59.35M | 163.10M | 111.48M | 143.27M | 43.50M |
| Total Debt | 41.29M | 109.33M | 951.57K | 11.64M | 40.11M | 107.70M |
| Total Liabilities | 108.16M | 146.45M | 17.93M | 34.36M | 86.64M | 161.14M |
| Stockholders Equity | 1.30B | 1.29B | 1.22B | 1.16B | 1.13B | 1.10B |
Cash Flow | ||||||
| Free Cash Flow | 208.35M | 202.91M | 145.90M | 67.35M | 213.57M | 38.92M |
| Operating Cash Flow | 209.20M | 204.00M | 200.20M | 67.61M | 215.19M | 43.48M |
| Investing Cash Flow | -114.22M | -317.01M | -53.70M | -9.36M | -1.58M | -3.17M |
| Financing Cash Flow | -35.09M | 70.48M | -154.92M | -77.85M | -111.49M | -31.05M |
Quanzhou Huixin Micro-credit Co., Ltd. Class H Technical Analysis
Neutral
1.00
Price Trends
1.04
Negative
1.01
Positive
0.98
Positive
Market Momentum
>-0.01
Negative
40.86
Neutral
56.25
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1577, the sentiment is Neutral. The current price of 1 is below the 20-day moving average (MA) of 1.03, below the 50-day MA of 1.04, and above the 200-day MA of 0.98, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 40.86 is Neutral, neither overbought nor oversold. The STOCH value of 56.25 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for HK:1577.
Quanzhou Huixin Micro-credit Co., Ltd. Class H Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | HK$693.60M | 5.96 | 7.71% | 5.63% | 93.55% | 2.11% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | HK$336.30M | 5.31 | 2.66% | 4.88% | -2.05% | 14.16% | |
53 Neutral | HK$442.35M | -0.50 | -19.32% | 27.47% | -32.03% | -235.24% | |
37 Underperform | HK$603.09M | -3.20 | -24.06% | ― | 33.07% | -135.86% |
* Financial Sector Average
HK:1577
Quanzhou Huixin Micro-credit Co., Ltd. Class H
1.02
0.21
25.31%
HK:3903
Hanhua Financial Holding Co., Ltd. Class H
0.17
0.00
0.00%
HK:2051
51 Credit Card Inc.
0.39
-0.24
-37.90%
HK:1915
Yangzhou Guangling District Taihe Rural Micro-finance Company Limited Class H
0.27
0.00
0.00%
HK:2003
VCREDIT Holdings Limited
0.91
-2.29
-71.56%
HK:6866
Zuoli Kechuang Micro-finance Co. Ltd. Class H
0.29
-0.02
-5.00%
Quanzhou Huixin Micro-credit Co., Ltd. Class H Corporate Events
Quanzhou Huixin boosts liquidity with profitable sale of Three-Circle shares
Jun 22, 2026
Quanzhou Huixin Micro-credit Co., Ltd., a PRC-based microfinance provider serving local entrepreneurs, SMEs and microenterprises, also deploys idle funds into quality stocks and other financial products for treasury management. This investment app...
Quanzhou Huixin Micro-credit Realises Gain on Three-Circle Share Disposal
Jun 16, 2026
Quanzhou Huixin Micro-credit has disposed of a tranche of its holdings in Three-Circle shares on the Shenzhen Stock Exchange, generating consideration of about RMB12.77 million and a gain of roughly RMB9.38 million over the cost of the investment....
Quanzhou Huixin Micro-credit Sets 2025 Final Dividend and Outlines Tax Treatment for H Shareholders
Jun 11, 2026
Quanzhou Huixin Micro-credit Co., Ltd. has declared a final ordinary dividend of RMB 0.05 per share for the financial year ended 31 December 2025, with shareholder approval obtained on 11 June 2026. The dividend will be paid in Hong Kong dollars a...
Quanzhou Huixin Micro-credit unlocks RMB53 million from sale of Three-Circle stake
Jun 11, 2026
Quanzhou Huixin Micro-credit Co., Ltd. has disposed of a stake in Shenzhen-listed Three-Circle through five open-market transactions between 13 October 2025 and 10 June 2026, raising RMB53.23 million in proceeds and realising an estimated gain of ...
Quanzhou Huixin Shareholders Approve 2025 Accounts and Final Dividend at AGM
Jun 11, 2026
Quanzhou Huixin Micro-credit Co., Ltd., a Hong Kong-listed microfinance lender operating in Quanzhou, Fujian, provides small-scale credit services to local customers through its domestic and H-share capital structure. The company operates under PR...
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.