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Global International Credit Group Ltd.
(1669)
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Rating:80Outperform
Price Target:
HK$1.50
▲(63.04% Upside)
Action:Reiterated
Date:09/09/26
The score is led by strong financial quality (very high margins and ultra-low leverage), supported by reasonable valuation (P/E ~12.9 and ~5.25% dividend yield). Technicals add a modest tailwind with the stock trading above key longer-term moving averages, while the main risk tempering the score is ongoing revenue contraction and past cash-flow volatility.
Positive Factors
Exceptionally conservative balance sheet
Near-zero leverage reduces interest burden and refinancing exposure, giving the company substantial resilience through changing credit conditions. The large equity base also supports balance-sheet stability and preserves flexibility to maintain operations or pursue growth without relying heavily on additional borrowing.
Negative Factors
Persistent revenue contraction
Repeated top-line contraction is the clearest threat to the durability of the current earnings base. Even with strong margins, continued revenue declines could eventually reduce absolute profits, weaken operating scale, and limit the company’s ability to expand without improving demand or loan origination trends.
Read all positive and negative factors
Positive Factors
Negative Factors
Exceptionally conservative balance sheet
Near-zero leverage reduces interest burden and refinancing exposure, giving the company substantial resilience through changing credit conditions. The large equity base also supports balance-sheet stability and preserves flexibility to maintain operations or pursue growth without relying heavily on additional borrowing.
Read all positive factors
Global International Credit Group Ltd. (1669) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$594.00M
Dividend Yield5.25%
Average Volume (3M)242.47K
Price to Earnings (P/E)12.9
Beta (1Y)0.19
Revenue Growth-17.07%
EPS Growth-5.72%
CountryHK
Employees21
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.13
Shares Outstanding400,000,000
10 Day Avg. Volume203,600
30 Day Avg. Volume242,466
Financial Highlights & Ratios
PEG Ratio0.38
Price to Book (P/B)0.38
Price to Sales (P/S)4.25
P/FCF Ratio1.26
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
Global International Credit Group Ltd. Business Overview & Revenue Model
Company Description
Operating as an investment holding company, Global International Credit Group Limited specializes in the money lending sector within Hong Kong. The firm provides a variety of financial products, including both short-term and long-term mortgage loa...
Global International Credit Group Ltd. Financial Statement Overview
Summary
Income Statement
76
Positive
Balance Sheet
92
Very Positive
Cash Flow
72
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 84.62M | 83.26M | 84.84M | 90.54M | 85.63M |
| Gross Profit | 79.15M | 83.26M | 85.30M | 86.93M | 85.63M |
| EBITDA | 64.10M | 60.95M | 66.29M | 66.01M | 66.84M |
| Net Income | 52.23M | 45.76M | 50.30M | 50.96M | 52.52M |
Balance Sheet | |||||
| Total Assets | 953.54M | 953.73M | 930.74M | 943.94M | 905.46M |
| Cash, Cash Equivalents and Short-Term Investments | 416.50M | 181.82M | 52.32M | 51.16M | 83.81M |
| Total Debt | 1.77M | 3.59M | 6.63M | 47.60M | 43.95M |
| Total Liabilities | 8.43M | 12.85M | 15.62M | 58.72M | 50.00M |
| Stockholders Equity | 945.12M | 940.88M | 915.12M | 885.22M | 855.46M |
Cash Flow | |||||
| Free Cash Flow | 286.15M | 150.62M | 66.99M | -32.33M | 16.11M |
| Operating Cash Flow | 286.20M | 152.25M | 82.04M | -32.23M | 16.46M |
| Investing Cash Flow | -15.86M | 570.00K | -13.50M | -79.00K | -348.00K |
| Financing Cash Flow | -50.43M | -23.32M | -67.38M | 1.14M | -66.62M |
Global International Credit Group Ltd. Technical Analysis
Neutral
0.92
Price Trends
1.37
Positive
1.24
Positive
1.05
Positive
Market Momentum
0.03
Positive
55.09
Neutral
70.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1669, the sentiment is Neutral. The current price of 0.92 is below the 20-day moving average (MA) of 1.51, below the 50-day MA of 1.37, and below the 200-day MA of 1.05, indicating a neutral trend. The MACD of 0.03 indicates Positive momentum. The RSI at 55.09 is Neutral, neither overbought nor oversold. The STOCH value of 70.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for HK:1669.
Global International Credit Group Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
86 Outperform | HK$693.60M | 5.96 | 7.71% | 5.63% | 93.55% | 2.11% | |
80 Outperform | HK$594.00M | 12.91 | 4.89% | 5.25% | -17.07% | -5.72% | |
68 Neutral | HK$336.30M | 5.31 | 2.66% | 4.88% | -2.05% | 14.16% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
55 Neutral | HK$442.35M | -0.53 | -19.32% | 26.04% | -32.03% | -235.24% | |
43 Neutral | HK$643.84M | -3.20 | -24.06% | ― | 33.07% | -135.86% |
* Financial Sector Average
HK:1669
Global International Credit Group Ltd.
1.49
0.69
86.95%
HK:3903
Hanhua Financial Holding Co., Ltd. Class H
0.17
0.00
0.00%
HK:2051
51 Credit Card Inc.
0.39
-0.27
-40.77%
HK:1577
Quanzhou Huixin Micro-credit Co., Ltd. Class H
1.02
0.22
28.30%
HK:2003
VCREDIT Holdings Limited
0.96
-2.26
-70.19%
HK:6866
Zuoli Kechuang Micro-finance Co. Ltd. Class H
0.29
-0.04
-10.94%
Global International Credit Group Ltd. Corporate Events
Global International Credit Grants HK$27.9 Million Secured Loan to Refinance Existing Debt
Sep 1, 2026
Global International Credit Group’s subsidiary GICL has agreed to provide a new secured loan of HK$27.93 million to three customers for 24 months at an annual interest rate of 11%. The facility is backed by a first legal charge over a reside...
Global International Credit Group Clarifies Special Interim Dividend Details
Aug 31, 2026
Global International Credit Group Limited has updated details of its special interim dividend for the six months ended 30 June 2026, clarifying that it relates to the financial year ending 31 December 2026 after correcting an earlier disclosure er...
Global International Credit Profit Holds Up Despite Revenue Drop in First Half 2026
Aug 28, 2026
Global International Credit Group reported a drop in interim revenue to HK$27.2 million for the six months ended 30 June 2026, down from HK$42.1 million a year earlier, amid lower loan-related income. Despite this, profit attributable to sharehold...
Global International Credit Group Declares Interim Dividend for First Half of 2026
Aug 28, 2026
Global International Credit Group Limited has declared an interim ordinary cash dividend of HKD 0.022 per share for the six months ended 30 June 2026, for the financial year ending 31 December 2026. The move signals continued capital returns to sh...
Global International Credit Group Declares Special Interim Dividend
Aug 28, 2026
Global International Credit Group Limited has declared a special interim dividend of HKD 0.033 per share for shareholders, reflecting an additional payout outside its regular dividend schedule. The dividend will be paid in Hong Kong dollars, with ...
Global International Credit Group Sets Board Meeting to Approve Interim Results and Consider Dividend
Aug 14, 2026
Global International Credit Group Ltd. has scheduled a board meeting for 28 August 2026 to review and approve its interim results for the six months ended 30 June 2026. The board will also consider the payment of an interim dividend, signaling pot...
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.