Want to see HK:2003 full AI Analyst Report?
2003 Stock Chart & Stats
HK$0.93
HK$0.00(0.00%)
At close: 4:00 PM EDT
HK$0.93
HK$0.00(0.00%)
Day’s Range― - ―
52-Week RangeHK$0.83 - HK$2.95
Previous CloseN/A
Volume51.40K
Average Volume (3M)27.56K
Market Cap
HK$554.16M
Enterprise Value-HK$1.33B
Total Cash (Recent Filing)HK$2.16B
Total Debt (Recent Filing)HK$559.42M
Price to Earnings (P/E)―
Beta0.11
Next Earnings
Mar 24, 2027EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield21.74%
Share Statistics
EPS (TTM)-1.56
Shares Outstanding489,459,780
10 Day Avg. Volume7,200
30 Day Avg. Volume27,560
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
Digital Consumer Finance PlatformThe digital model centers on technology-enabled credit assessment, loan facilitation, and post-origination management. This integrated platform can support scalable delivery of consumer credit and gives the company several operating functions through which to manage borrower relationships.
2025 Revenue ReboundA 30.2% 2025 revenue rebound shows the platform regained top-line traction after weaker periods. If maintained, stronger revenue provides a broader base for covering operating costs and rebuilding earnings capacity, although the accompanying loss means the growth has not yet translated into durable profitability.
Strong Current Cash GenerationOperating cash flow of about 2.57B and free cash flow of about 2.54B in 2025 demonstrate meaningful current cash conversion. This supports internal funding of lending operations and financial flexibility over the next several months, even though historical volatility tempers confidence in consistency.
Bears Say
Sharp Swing To Net LossThe swing from a 17.5% net margin in 2024 to -12.1% in 2025, alongside negative operating profitability, shows that revenue recovery is not converting reliably into earnings. Such instability weakens forecasting confidence and can constrain capital generation for future growth.
Volatile Cash-flow HistoryOperating and free cash flow were negative in 2021 and 2023, while 2025 free cash flow growth was sharply negative versus 2024. This history indicates cash conversion can move materially between periods, making internally funded expansion and shareholder distributions less predictable.
Declining Equity And Shareholder ReturnsEquity declined from 2024 to 2025 and returns to shareholders turned negative. Even with improved debt-to-equity, weaker capital generation reduces the cushion available to absorb further losses and can limit management's flexibility in allocating funds to growth or returning capital.
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$0.83 and its highest was HK$2.95 in the past 12 months.
What is VCREDIT Holdings Limited’s market cap?
VCREDIT Holdings Limited’s market cap is HK$554.16M.
When is VCREDIT Holdings Limited’s upcoming earnings report date?
VCREDIT Holdings Limited’s upcoming earnings report date is Mar 24, 2027 which is in 143 days.
How were VCREDIT Holdings Limited’s earnings last quarter?
VCREDIT Holdings Limited released its earnings results on Aug 24, 2026. The company reported HK$0.031 earnings per share for the quarter.
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 21.74%. 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$0.031 in its last earnings report. Following the earnings report the stock price went same 0%.
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
Neutral
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Negative
20 days / 200 days
Momentum
-61.09%
12-Months-Change
Fundamentals
Return on Equity
-19.32%
Trailing 12-Months
Asset Growth
-60.31%
Trailing 12-Months
Learn more about TipRanks Smart Score
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.
―
AEON Credit Service (Asia) Co., Ltd.
―
Quanzhou Huixin Micro-credit Co., Ltd. Class H
―
Global International Credit Group Ltd.
―
Zuoli Kechuang Micro-finance Co. Ltd. Class H
―