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)

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Rating:81.4Outperform

Price Target:HKD 1.00▼(-7.41% Downside)

Action:reiterated

Date:11/14/26

The score is primarily supported by strong financial performance and attractive valuation. Technical indicators are mixed, with longer-term price support offset by negative MACD and subdued short-term momentum.

Positive Factors

Strong profitabilityExceptionally high gross, operating, and net margins indicate that the company converts its lending activity into substantial profit. If maintained, this profitability can support internal capital formation, strengthen resilience through uneven revenue periods, and sustain shareholder returns over the next several quarters.

Negative Factors

Revenue volatilityUneven revenue performance makes the company’s earnings trajectory less predictable even though margins remain strong. Repeated swings in the top line can complicate planning, limit confidence in sustained growth, and make future profitability more dependent on changing lending activity.

Quanzhou Huixin Micro-credit Co., Ltd. Class H (1577) vs. iShares MSCI Hong Kong ETF (EWH)

Market Cap: HKD 734.40M
Dividend Yield: 5.32%
Average Volume (3M): 34.90K
Price to Earnings (P/E): 6.3
Beta (1Y): 0.43
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 profitability, exceptional balance-sheet stability, minimal leverage, and robust cash generation support a high score. Revenue volatility and recent declines are the main weaknesses.

Income Statement

82Very Positive

Balance Sheet

94Very Positive

Cash Flow

88Very Positive

Financial statement breakdown
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

Technical Analysis SentimentPositive

Last Price1.08

Price Trends

50DMA1.06Positive

100DMA1.05Positive

200DMA1.01Positive

Market Momentum

MACD-0.01Positive

RSI52.02Neutral

STOCH34.27Neutral

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 1.08 is below the 20-day moving average (MA) of 1.08, above the 50-day MA of 1.06, and above the 200-day MA of 1.01, indicating a neutral trend. The MACD of -0.01 indicates Positive momentum. The RSI at 52.02 is Neutral, neither overbought nor oversold. The STOCH value of 34.27 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

UnderperformOutperform

Sector (68)

Financial Indicators

HK:1577 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HK:1577	81Outperform	HKD 666.40M	6.27	7.71%	5.32%	92.42%	2.11%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HK:6866	65Neutral	HKD 284.38M	5.49	2.15%	5.77%	-16.64%	-16.80%
HK:2003	53Neutral	HKD 544.44M	-0.61	-19.32%	22.32%	-32.03%	-235.24%
HK:2051	38Underperform	HKD 497.15M	-2.39	-24.06%	―	33.07%	-135.86%

* Financial Sector Average

Performance Comparison

HK:1577 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
HK:1577	Quanzhou Huixin Micro-credit Co., Ltd. Class H	1.08	0.13	13.21%
HK:3903	Hanhua Financial Holding Co., Ltd. Class H	0.17	0.00	0.00%
HK:2051	51 Credit Card Inc.	0.29	-0.24	-45.28%
HK:1915	Yangzhou Guangling District Taihe Rural Micro-finance Company Limited Class H	0.27	0.00	0.00%
HK:2003	VCREDIT Holdings Limited	1.12	-1.77	-61.25%
HK:6866	Zuoli Kechuang Micro-finance Co. Ltd. Class H	0.24	-0.05	-16.21%

Quanzhou Huixin Micro-credit Co., Ltd. Class H Corporate Events

Quanzhou Huixin Micro-credit Finalises Amendments to Articles of Association

Sep 7, 2026

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

Aug 25, 2026

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...

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: Nov 14, 2026

Quanzhou Huixin Micro-credit Co., Ltd. Class H AI Stock Analysis