51 Credit Card Inc. AI Stock Analysis
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51 Credit Card Inc. (2051) AI Stock Analysis
51 Credit Card Inc.
(HKEX:2051)
Weak financials from volatile revenue, net losses and inconsistent cash flow are the primary drags, compounded by bearish technicals and poor valuation metrics.
51 Credit Card Inc. (2051) vs. iShares MSCI Hong Kong ETF (EWH)
- Market Cap
- HKD 513.45M
- Dividend Yield
- ―
- Average Volume (3M)
- 2.16M
- Price to Earnings (P/E)
- -2.5
- Beta (1Y)
- 0.77
- Revenue Growth
- 33.07%
- EPS Growth
- -135.86%
- Country
- Hong Kong
- Employees
- 533
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Credit Services
51 Credit Card Inc. Business Overview & Revenue Model
Company Description
Vala Inc. is a financial entity focused on credit card services. The firm provides solutions for consolidating the management of various credit cards from diverse banks, simplifies the process of applying for new cards, and streamlines credit card bi...
How the Company Makes Money
Publicly available, reliable, current details on 51 Credit Card Inc. (2051)’s revenue breakdown and monetization are limited in this context; therefore, a detailed, factual explanation of its specific revenue model, key revenue streams, and significa...
51 Credit Card Inc. Financial Statement Overview
Summary
Mixed results with revenue volatility, persistent net losses offset partially by debt reduction improving balance sheet stability.
Income Statement
25NegativeBalance Sheet
60NeutralCash Flow
35Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 381.81M | 236.35M | 218.72M | 210.28M | 389.44M | 428.93M |
| Gross Profit | 30.56M | -16.40M | 9.94M | 6.40M | 58.40M | 164.12M |
| EBITDA | -56.99M | -46.87M | 17.50M | 55.59M | -57.02M | -28.39M |
| Net Income | -151.36M | -150.70M | -60.16M | 11.04M | -82.70M | -233.69M |
Balance Sheet | ||||||
| Total Assets | 792.92M | 865.54M | 1.08B | 1.16B | 1.14B | 1.56B |
| Cash, Cash Equivalents and Short-Term Investments | 173.58M | 214.18M | 326.91M | 377.05M | 408.79M | 352.46M |
| Total Debt | 10.67M | 16.02M | 69.04M | 192.35M | 193.05M | 197.09M |
| Total Liabilities | 191.31M | 215.96M | 296.23M | 455.40M | 425.28M | 800.47M |
| Stockholders Equity | 605.02M | 653.40M | 802.70M | 725.70M | 712.44M | 765.25M |
Cash Flow | ||||||
| Free Cash Flow | -79.29M | -93.61M | -73.50M | 8.27M | 107.97M | -24.70M |
| Operating Cash Flow | -71.07M | -73.47M | 5.36M | 25.77M | 126.38M | -22.89M |
| Investing Cash Flow | 21.89M | -838.00K | -80.08M | -15.35M | -37.00M | -56.49M |
| Financing Cash Flow | 9.26M | -47.03M | 2.57M | -38.95M | -23.60M | -18.24M |
51 Credit Card Inc. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:2051, the sentiment is Neutral. The current price of 0.30 is above the 20-day moving average (MA) of 0.30, below the 50-day MA of 0.34, and below the 200-day MA of 0.48, indicating a neutral trend. The MACD of -0.01 indicates Negative momentum. The RSI at 46.44 is Neutral, neither overbought nor oversold. The STOCH value of 66.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for HK:2051.
51 Credit Card Inc. Peers Comparison
Overall Rating
HK:248377Outperform
HK:090074Outperform
HK:062854Neutral
HK:200353Neutral- HK:205142Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HK:2483 | 77Outperform | HKD 900.00M | 9.66 | 9.80% | 7.16% | 21.68% | 27.97% |
| HK:0900 | 74Outperform | HKD 3.65B | 7.43 | 10.90% | 7.01% | 4.43% | 6.41% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| HK:0628 | 54Neutral | HKD 1.20B | 10.06 | 3.61% | ― | 26.14% | 90.63% |
| HK:2003 | 53Neutral | HKD 544.44M | -0.61 | -19.32% | 22.32% | -32.03% | -235.24% |
| HK:2051 | 42Neutral | HKD 513.45M | -2.52 | -24.06% | ― | 33.07% | -135.86% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| HK:2051 | 51 Credit Card Inc. | 0.30 | -0.25 | -44.55% | |
| HK:0628 | Gome Finance Technology Co | 0.23 | 0.00 | 1.79% | |
| HK:0900 | AEON Credit Service (Asia) Co., Ltd. | 8.70 | 1.65 | 23.42% | |
| HK:2003 | VCREDIT Holdings Limited | 1.12 | -1.72 | -60.56% | |
| HK:3660 | Qfin Holdings Inc | 21.00 | -60.56 | -74.25% | |
| HK:2483 | K Cash Corporation Limited | 1.80 | 0.18 | 11.18% |
51 Credit Card Inc. Corporate Events
Vala Inc. Adds RSU Vesting Details to 2025 Annual Report
Vala Inc. has issued a supplemental announcement to its annual report for the year ended 31 December 2025, disclosing additional details on share-based incentives. During the 2025 financial year, 50,000 restricted share units vested under the company...
Vala Inc. Launches New kcar Model and Expands Lifestyle-Focused Sales Network
Vala Inc. has begun delivering its new vala kcar model, jointly designed with Liuzhou Wuling Motors Industrial Company, adding a third vehicle to its line-up and targeting short-distance urban commuting and family-oriented usage. The company is worki...
Vala Inc. Swings Revenue Mix Toward Valalife as Losses Persist in First Half 2026
Vala Inc. reported a 51.8% year-on-year increase in revenue to RMB205.9 million for the six months ended 30 June 2026, driven primarily by a 233.8% surge in its valalife business, which offset steep declines in credit facilitation, SaaS fees, childre...
Vala Inc. Overhauls Nomination Committee Leadership to Boost Governance Independence
Vala Inc. has reshaped the leadership of its nomination committee, moving chairman of the board and chief executive officer Sun Haitao out of the committee’s top role and appointing independent non-executive director Xu Xuchu as the new chairman. Exe...
Vala Inc. Sets August Board Meeting to Review Interim Results and Possible Dividend
Vala Inc. has scheduled a board meeting for 28 August 2026 to review and approve its unaudited interim results for the six months ended 30 June 2026. The board will also consider the publication of these interim figures, which will provide investors...
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: Oct 31, 2026