Want to see HK:1577 full AI Analyst Report?
Top Page
Quanzhou Huixin Micro-credit Co., Ltd. Class H
(1577)
Select Model
Select Model
Rating:80Outperform
Price Target:
HK$1.50
▲(50.00% Upside)
Action:Reiterated
Date:09/30/26
The score is driven primarily by strong financial performance (high profitability, solid cash flow, and generally conservative leverage) and attractive valuation (low P/E and strong dividend yield). Technical signals are supportive on trend (above major moving averages) but mixed on momentum, which tempers the overall rating.
Positive Factors
Strong profitability
Very strong gross, operating, and net margins indicate that the lending business has retained substantial profitability across the reported period. This creates resilience against moderate revenue variation, supports internal capital generation, and may help sustain earnings over the next several quarters.
Negative Factors
Volatile revenue trajectory
Uneven revenue performance makes future earnings less predictable even though margins remain strong. Repeated swings in the top line can complicate planning, limit confidence in sustained growth, and reduce the durability of profitability if weaker revenue periods persist over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong profitability
Very strong gross, operating, and net margins indicate that the lending business has retained substantial profitability across the reported period. This creates resilience against moderate revenue variation, supports internal capital generation, and may help sustain earnings over the next several quarters.
Read all positive factors
Quanzhou Huixin Micro-credit Co., Ltd. Class H (1577) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$710.60M
Dividend Yield5.5%
Average Volume (3M)9.73K
Price to Earnings (P/E)6.1
Beta (1Y)0.67
Revenue Growth92.42%
EPS Growth2.11%
CountryHK
Employees56
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.15
Shares Outstanding180,000,000
10 Day Avg. Volume22,400
30 Day Avg. Volume9,733
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
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., L...
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 | 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
Positive
1.00
Price Trends
1.03
Positive
1.03
Positive
0.99
Positive
Market Momentum
<0.01
Positive
50.02
Neutral
40.76
Neutral
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 is below the 20-day moving average (MA) of 1.04, below the 50-day MA of 1.03, and above the 200-day MA of 0.99, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 50.02 is Neutral, neither overbought nor oversold. The STOCH value of 40.76 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | HK$710.60M | 6.08 | 7.71% | 5.50% | 92.42% | 2.11% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | HK$295.00M | 4.64 | 2.66% | 5.56% | -2.05% | 14.16% | |
54 Neutral | HK$546.04M | -2.78 | -24.06% | ― | 33.07% | -135.86% | |
53 Neutral | HK$583.32M | -0.65 | -19.32% | 20.83% | -32.03% | -235.24% |
* Financial Sector Average
HK:1577
Quanzhou Huixin Micro-credit Co., Ltd. Class H
1.05
0.18
21.37%
HK:3903
Hanhua Financial Holding Co., Ltd. Class H
0.17
0.00
0.00%
HK:2051
51 Credit Card Inc.
0.34
-0.45
-57.05%
HK:1915
Yangzhou Guangling District Taihe Rural Micro-finance Company Limited Class H
0.27
0.00
0.00%
HK:2003
VCREDIT Holdings Limited
1.20
-1.96
-62.03%
HK:6866
Zuoli Kechuang Micro-finance Co. Ltd. Class H
0.25
-0.05
-16.67%
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 ...
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 h...
Quanzhou Huixin Micro-credit Sets August Board Meeting to Review Interim Results and Dividend
Aug 13, 2026
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 di...
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.