VCREDIT Holdings Limited AI Stock Analysis
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VCREDIT Holdings Limited (2003) AI Stock Analysis
VCREDIT Holdings Limited
(HKEX:2003)
The overall score of 60 reflects a balance between significant cash flow generation and a high dividend yield against weak profitability. The company's strong cash flow and attractive dividend are key strengths, but the net loss and negative margins are major risks. Technicals show positive momentum, though the RSI warns of a potential near-term pullback.
VCREDIT Holdings Limited (2003) vs. iShares MSCI Hong Kong ETF (EWH)
- Market Cap
- HKD 542.99M
- Dividend Yield
- 22.32%
- Average Volume (3M)
- 35.75K
- Price to Earnings (P/E)
- -0.6
- Beta (1Y)
- 0.23
- Revenue Growth
- -32.03%
- EPS Growth
- -235.24%
- Country
- Hong Kong
- Employees
- 580
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Credit Services
VCREDIT Holdings Limited Business Overview & Revenue Model
Company Description
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...
VCREDIT Holdings Limited Financial Statement Overview
Summary
Mixed financials: Strong revenue growth (+30%) and robust cash flow generation (FCF of 2.54B) are offset by a significant net loss (-545M) and negative margins. The balance sheet shows moderate leverage (D/E 0.77) but negative ROE (-13.8%). Cash flow strength provides a buffer, but profitability concerns weigh on the score.
Income Statement
35NegativeBalance Sheet
55NeutralCash Flow
70Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.26B | 1.92B | 2.73B | 2.84B | 1.77B | 2.98B |
| Gross Profit | 815.72M | 2.64B | 2.73B | 1.47B | 1.24B | 1.97B |
| EBITDA | -689.26M | -312.06M | 0 | 0 | 748.90M | 1.56B |
| Net Income | -762.41M | -559.81M | 478.17M | 453.91M | 532.47M | 1.18B |
Balance Sheet | ||||||
| Total Assets | 5.46B | 9.33B | 11.71B | 11.93B | 10.10B | 11.28B |
| Cash, Cash Equivalents and Short-Term Investments | 2.16B | 2.09B | 1.69B | 1.64B | 2.13B | 2.45B |
| Total Debt | 559.42M | 3.06B | 2.27B | 5.62B | 4.54B | 7.01B |
| Total Liabilities | 1.51B | 5.38B | 7.10B | 7.77B | 6.28B | 7.88B |
| Stockholders Equity | 3.94B | 3.95B | 4.61B | 4.17B | 3.82B | 3.39B |
Cash Flow | ||||||
| Free Cash Flow | 7.24B | 2.54B | 1.42B | -1.37B | 3.01B | -1.04B |
| Operating Cash Flow | 7.26B | 2.57B | 1.46B | -1.34B | 3.04B | -1.02B |
| Investing Cash Flow | -28.36M | -184.09M | 45.83M | 70.36M | -176.11M | -122.74M |
| Financing Cash Flow | -7.15B | -2.69B | -714.17M | 580.52M | -3.18B | 1.55B |
VCREDIT Holdings Limited Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:2003, the sentiment is Negative. The current price of 1.12 is below the 20-day moving average (MA) of 1.16, below the 50-day MA of 1.13, and below the 200-day MA of 1.26, indicating a bearish trend. The MACD of -0.00 indicates Positive momentum. The RSI at 43.82 is Neutral, neither overbought nor oversold. The STOCH value of 0.00 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:2003.
VCREDIT Holdings Limited Peers Comparison
Overall Rating
HK:166980Outperform
HK:157778Outperform
HK:090074Outperform- HK:200360Neutral
HK:686650Neutral
HK:205138Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HK:1669 | 80Outperform | HKD 576.00M | 13.00 | 4.89% | 7.67% | -17.07% | -5.72% |
| HK:1577 | 78Outperform | HKD 666.40M | 6.27 | 7.71% | 5.32% | 92.42% | 2.11% |
| HK:0900 | 74Outperform | HKD 3.64B | 7.52 | 10.90% | 6.94% | 4.43% | 6.41% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| HK:2003 | 60Neutral | HKD 544.44M | -0.61 | -19.32% | 22.32% | -32.03% | -235.24% |
| HK:6866 | 50Neutral | HKD 284.38M | 5.49 | 2.15% | 5.77% | -16.64% | -16.80% |
| HK:2051 | 38Underperform | HKD 497.15M | -2.39 | -24.06% | ― | 33.07% | -135.86% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| HK:2003 | VCREDIT Holdings Limited | 1.12 | -1.77 | -61.25% | |
| HK:2051 | 51 Credit Card Inc. | 0.29 | -0.24 | -45.28% | |
| HK:0900 | AEON Credit Service (Asia) Co., Ltd. | 8.79 | 1.78 | 25.45% | |
| HK:1577 | Quanzhou Huixin Micro-credit Co., Ltd. Class H | 1.08 | 0.13 | 13.21% | |
| HK:1669 | Global International Credit Group Ltd. | 1.50 | 0.74 | 98.15% | |
| HK:6866 | Zuoli Kechuang Micro-finance Co. Ltd. Class H | 0.24 | -0.05 | -16.21% |
VCREDIT Holdings Limited Corporate Events
VCREDIT Interim Profit Plunges as Consumer Credit Weakens
VCREDIT Holdings reported a sharp downturn in unaudited interim results for the six months to June 30, 2026, as total income fell 61.2% year-on-year to RMB969.2 million and net profit dropped 94.5% to RMB12 million amid weak consumer credit demand an...
VCREDIT Sets August Board Meeting to Approve 2026 Interim Results
VCREDIT Holdings Limited has scheduled a board meeting in Hong Kong on 24 August 2026 to review and approve the unaudited financial statements and interim results for the six months ended 30 June 2026. The board will also consider the declaration of...
VCREDIT Drops Planned Acquisition of Portuguese Bank BPG After Regulatory Setback
VCREDIT Holdings Limited has terminated its planned acquisition of up to 100% of Banco Português de Gestão, S.A. after a required regulatory condition was not satisfied by the agreed deadline. The decision releases both VCREDIT and the sellers from t...
VCREDIT Warns of Sharp Profit Drop Amid Tighter China Fintech Rules
VCREDIT Holdings Limited, a Hong Kong-listed fintech lender serving the Chinese consumer credit market, operates online loan facilitation services in cooperation with commercial banks. Its revenue and earnings are closely tied to loan origination vol...
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 18, 2026