VCREDIT Holdings Limited (HK:2003)
:2003
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2003 Stock Chart & Stats
HK$2.54
HK$0.06(2.35%)
At close: 4:00 PM EST
HK$2.54
HK$0.06(2.35%)
Day’s Range― - ―
52-Week RangeHK$0.88 - HK$4.25
Previous CloseN/A
Volume518.60K
Average Volume (3M)112.03K
Market Cap
HK$534.71M
Enterprise ValueHK$1.41B
Total Cash (Recent Filing)HK$2.09B
Total Debt (Recent Filing)HK$3.06B
Price to Earnings (P/E)―
Beta0.25
Next Earnings
Aug 26, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield9.77%
Share Statistics
EPS (TTM)-1.15
Shares Outstanding489,459,780
10 Day Avg. Volume67,879
30 Day Avg. Volume112,026
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.28
Price to Sales (P/S)0.57
P/FCF Ratio0.43
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
Bulls Say, Bears Say
Bulls Say
Revenue RecoveryA 30.2% revenue rebound in 2025 demonstrates the company can restore top-line growth after prior weakness. Durable revenue momentum supports scale benefits, underwriting recovery and capacity to reinvest in lending operations, improving medium-term earnings potential if maintained.
Improved LeverageDebt-to-equity near 0.77 signals a materially improved capital structure versus prior years, lowering financing risk and giving management more flexibility. A more moderate leverage profile supports resilience through credit cycles and reduces refinancing pressure over the next several quarters.
Strong 2025 Cash GenerationRobust operating and free cash flow in 2025 shows the company can convert revenue into liquidity when conditions align. Persistent positive cash generation supports debt servicing, dividend capacity and reinvestment; if sustained, it materially strengthens long-term financial flexibility.
Bears Say
2025 Net LossThe swing to a sizable net loss and negative operating profitability in 2025 undermines earnings durability. Structural issues in cost or credit performance may be present; recurring losses would erode capital, constrain reinvestment and raise long-term uncertainty around sustainable profitability.
Declining Equity BaseA falling equity base and negative returns to shareholders indicate capital erosion from losses. This weakens the balance sheet buffer against credit stress, may limit lending capacity, and raises the risk of future capital raises or constrained growth if profitability does not normalize.
Volatile Cash FlowsHistoric swings between strong and negative operating/free cash flow signal inconsistent cash conversion. Such volatility complicates planning, increases reliance on external funding in downturns, and reduces confidence that 2025 cash strength will persist across economic cycles.
VCREDIT Holdings Limited News
2003 FAQ
What was VCREDIT Holdings Limited’s price range in the past 12 months?
VCREDIT Holdings Limited lowest stock price was HK$0.88 and its highest was HK$4.25 in the past 12 months.
What is VCREDIT Holdings Limited’s market cap?
VCREDIT Holdings Limited’s market cap is HK$534.71M.
When is VCREDIT Holdings Limited’s upcoming earnings report date?
VCREDIT Holdings Limited’s upcoming earnings report date is Aug 26, 2026 which is in 78 days.
How were VCREDIT Holdings Limited’s earnings last quarter?
VCREDIT Holdings Limited released its earnings results on Mar 31, 2026. The company reported -HK$1.749 earnings per share for the quarter, missing the consensus estimate of N/A by -HK$1.749.
Is VCREDIT Holdings Limited overvalued?
According to Wall Street analysts VCREDIT Holdings Limited’s price is currently Overvalued.
Does VCREDIT Holdings Limited pay dividends?
VCREDIT Holdings Limited pays a Quarterly dividend of HK$0.05 which represents an annual dividend yield of 9.77%. See more information on VCREDIT Holdings Limited dividends here
What is VCREDIT Holdings Limited’s EPS estimate?
VCREDIT Holdings Limited’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does VCREDIT Holdings Limited have?
VCREDIT Holdings Limited has 489,459,780 shares outstanding.
What happened to VCREDIT Holdings Limited’s price movement after its last earnings report?
VCREDIT Holdings Limited reported an EPS of -HK$1.749 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went down -3.125%.
Which hedge fund is a major shareholder of VCREDIT Holdings Limited?
Currently, no hedge funds are holding shares in HK:2003
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
VCREDIT Holdings Limited Stock Smart Score
Underperform
1
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5
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8
9
10
Technicals
SMA
Negative
20 days / 200 days
Momentum
59.29%
12-Months-Change
Fundamentals
Return on Equity
-12.57%
Trailing 12-Months
Asset Growth
-16.60%
Trailing 12-Months
Company Description
VCREDIT Holdings Limited
VCREDIT Holdings Limited functions as an investment holding company, specializing in providing consumer financial services to prime and near-prime borrowers throughout China. Its product portfolio encompasses credit card balance transfers and various consumption credit options. The company also delivers a range of other services, including loan facilitation, guarantee provisions, micro-lending, financial leasing, and technology solutions. Founded in 2006, the firm was originally named Vision Capital Group Limited before changing to VCREDIT Holdings Limited. Its headquarters are situated in Admiralty, Hong Kong.
Technical Analysis
51 Credit Card Inc.
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AEON Credit Service (Asia) Co., Ltd.
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Quanzhou Huixin Micro-credit Co., Ltd. Class H
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Global International Credit Group Ltd.
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Zuoli Kechuang Micro-finance Co. Ltd. Class H
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Options Prices
Currently, No data available
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