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Quanzhou Huixin Micro-credit Co., Ltd. Class H (1577) AI Stock Analysis
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Quanzhou Huixin Micro-credit Co., Ltd. Class H
(HKEX:1577)
The score is driven primarily by strong financial performance (high profitability, solid cash flow, and generally modest leverage) and an attractive valuation (low P/E plus a healthy dividend). Technicals are supportive with strong price trends and positive momentum, but indicators are somewhat extended, which modestly tempers the overall rating.
Quanzhou Huixin Micro-credit Co., Ltd. Class H (1577) vs. iShares MSCI Hong Kong ETF (EWH)
- Market Cap
- HKD 751.40M
- Dividend Yield
- 5.37%
- Average Volume (3M)
- 30.23K
- Price to Earnings (P/E)
- 6.2
- Beta (1Y)
- 0.51
- Revenue Growth
- 92.42%
- EPS Growth
- 2.11%
- Country
- Hong Kong
- Employees
- 56
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Credit Services
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 revo...
How the Company Makes Money
The company’s primary revenue model for a micro-credit lender would typically be centered on earning interest income and fees from loan origination and servicing; however, specific, company-confirmed details for Quanzhou Huixin Micro-credit Co., Ltd....
Quanzhou Huixin Micro-credit Co., Ltd. Class H Financial Statement Overview
Summary
Strong overall fundamentals: very high profitability and solid cash conversion, supported by a generally conservative balance sheet. Key risks are business volatility (inconsistent revenue, including a notable decline in 2025) and a sharp increase in debt in 2025 from a very low base.
Income Statement
78PositiveBalance Sheet
86Very PositiveCash Flow
82Very Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 146.57M | 142.77M | 173.36M | 113.18M | 131.34M | 133.56M |
| Gross Profit | 144.27M | 138.18M | 172.93M | 113.18M | 128.43M | 131.46M |
| EBITDA | 139.79M | 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
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1577, the sentiment is Positive. The current price of 1.07 is below the 20-day moving average (MA) of 1.08, above the 50-day MA of 1.05, and above the 200-day MA of 1.00, indicating a neutral trend. The MACD of 0.02 indicates Positive momentum. The RSI at 49.19 is Neutral, neither overbought nor oversold. The STOCH value of 35.44 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:1577.
Quanzhou Huixin Micro-credit Co., Ltd. Class H Peers Comparison
Overall Rating
- HK:157783Outperform
HK:686658Neutral
HK:200353Neutral
HK:205138Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HK:1577 | 83Outperform | HKD 727.60M | 6.19 | 7.71% | 5.37% | 92.42% | 2.11% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| HK:6866 | 58Neutral | HKD 290.28M | 4.55 | 2.66% | 5.65% | -2.05% | 14.16% |
| HK:2003 | 53Neutral | HKD 554.16M | -0.62 | -19.32% | 21.93% | -32.03% | -235.24% |
| HK:2051 | 38Underperform | HKD 472.70M | -2.39 | -24.06% | ― | 33.07% | -135.86% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| HK:1577 | Quanzhou Huixin Micro-credit Co., Ltd. Class H | 1.07 | 0.20 | 22.99% | |
| HK:3903 | Hanhua Financial Holding Co., Ltd. Class H | 0.17 | 0.00 | 0.00% | |
| HK:2051 | 51 Credit Card Inc. | 0.29 | -0.23 | -44.23% | |
| HK:1915 | Yangzhou Guangling District Taihe Rural Micro-finance Company Limited Class H | 0.27 | 0.00 | 0.00% | |
| HK:2003 | VCREDIT Holdings Limited | 1.14 | -1.78 | -60.96% | |
| HK:6866 | Zuoli Kechuang Micro-finance Co. Ltd. Class H | 0.25 | -0.04 | -15.17% |
Quanzhou Huixin Micro-credit Co., Ltd. Class H Corporate Events
Quanzhou Huixin Micro-credit Finalises Amendments to Articles of Association
Quanzhou Huixin Micro-credit Co., Ltd. has secured shareholder approval for a special resolution to amend its Articles of Association at its annual general meeting held on 11 June 2026. The revised Articles, originally in Chinese and with English tra...
Quanzhou Huixin Micro-credit Delivers Steady Interim Profit on Rising Lending Income
Quanzhou Huixin Micro-credit reported unaudited interim results for the six months ended 30 June 2026, showing net profit of RMB43.57 million, broadly flat compared with RMB43.11 million a year earlier. Earnings per share remained at RMB0.06, as high...
Quanzhou Huixin Micro-credit Sets August Board Meeting to Review Interim Results and Dividend
Quanzhou Huixin Micro-credit Co., Ltd. has scheduled a board meeting for 25 August 2026 to review and approve its interim results for the six months ended 30 June 2026. The board will also consider whether to recommend the payment of an interim divid...
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 24, 2026