Want to see HK:1669 full AI Analyst Report?
Global International Credit Group Ltd. (1669) AI Stock Analysis
Global International Credit Group Ltd.
(HKEX:1669)
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.
Global International Credit Group Ltd. (1669) vs. iShares MSCI Hong Kong ETF (EWH)
- Market Cap
- HKD 564.00M
- Dividend Yield
- 8.16%
- Average Volume (3M)
- 138.98K
- Price to Earnings (P/E)
- 12.2
- Beta (1Y)
- 0.30
- Revenue Growth
- -17.07%
- EPS Growth
- -5.72%
- Country
- Hong Kong
- Employees
- 23
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Credit Services
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 loans...
Global International Credit Group Ltd. Financial Statement Overview
Summary
Strong overall fundamentals driven by very high and consistent profitability and an exceptionally conservative balance sheet (near-zero leverage). Offsetting risks are persistent revenue declines—especially a sharp drop in 2025—and historically volatile cash flows despite strong recent free-cash-flow improvement.
Income Statement
76PositiveBalance Sheet
92Very PositiveCash Flow
72Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 75.64M | 84.62M | 83.26M | 84.84M | 90.54M | 85.63M |
| Gross Profit | 69.58M | 79.15M | 83.26M | 85.30M | 86.93M | 85.63M |
| EBITDA | 55.35M | 64.10M | 60.95M | 66.29M | 66.01M | 66.84M |
| Net Income | 46.16M | 52.23M | 45.76M | 50.30M | 50.96M | 52.52M |
Balance Sheet | ||||||
| Total Assets | 955.58M | 953.54M | 953.73M | 930.74M | 943.94M | 905.46M |
| Cash, Cash Equivalents and Short-Term Investments | 515.99M | 416.50M | 181.82M | 52.32M | 51.16M | 83.81M |
| Total Debt | 6.24M | 1.77M | 3.59M | 6.63M | 47.60M | 43.95M |
| Total Liabilities | 12.65M | 8.43M | 12.85M | 15.62M | 58.72M | 50.00M |
| Stockholders Equity | 942.93M | 945.12M | 940.88M | 915.12M | 885.22M | 855.46M |
Cash Flow | ||||||
| Free Cash Flow | 288.83M | 286.15M | 150.62M | 66.99M | -32.33M | 16.11M |
| Operating Cash Flow | 288.89M | 286.20M | 152.25M | 82.04M | -32.23M | 16.46M |
| Investing Cash Flow | 10.86M | -15.86M | 570.00K | -13.50M | -79.00K | -348.00K |
| Financing Cash Flow | -54.43M | -50.43M | -23.32M | -67.38M | 1.14M | -66.62M |
Global International Credit Group Ltd. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1669, the sentiment is Positive. The current price of 1.41 is below the 20-day moving average (MA) of 1.42, below the 50-day MA of 1.44, and above the 200-day MA of 1.13, indicating a neutral trend. The MACD of -0.01 indicates Positive momentum. The RSI at 46.05 is Neutral, neither overbought nor oversold. The STOCH value of 27.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:1669.
Global International Credit Group Ltd. Peers Comparison
Overall Rating
- HK:166980Outperform
HK:157774Outperform
HK:686658Neutral
HK:200353Neutral
HK:205138Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HK:1669 | 80Outperform | HKD 564.00M | 12.22 | 4.89% | 8.16% | -17.07% | -5.72% |
| HK:1577 | 74Outperform | 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:1669 | Global International Credit Group Ltd. | 1.41 | 0.66 | 88.50% | |
| 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:1577 | Quanzhou Huixin Micro-credit Co., Ltd. Class H | 1.07 | 0.20 | 22.99% | |
| 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% |
Global International Credit Group Ltd. Corporate Events
Global International Credit Grants HK$27.9 Million Secured Loan to Refinance Existing Debt
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 residenti...
Global International Credit Group Clarifies Special Interim Dividend Details
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 error...
Global International Credit Profit Holds Up Despite Revenue Drop in First Half 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 shareholders...
Global International Credit Group Declares Interim Dividend for First Half of 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 share...
Global International Credit Group Declares Special Interim Dividend
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 sha...
Global International Credit Group Sets Board Meeting to Approve Interim Results and Consider Dividend
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 potent...
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: Sep 09, 2026