XXF Group Holdings Ltd. (2473) AI Stock Analysis

• Market Cap: HK$17.67B
• Dividend Yield: N/A
• Average Volume (3M): 12.89M
• Price to Earnings (P/E): 383.2
• Beta (1Y): 0.01
• Revenue Growth: 15.36%
• EPS Growth: -36.86%
• Country: HK
• Employees: 1,194
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.02
• Shares Outstanding: 1,546,875,000
• 10 Day Avg. Volume: 26,203,000
• 30 Day Avg. Volume: 12,887,082
• PEG Ratio: -5.42
• Price to Book (P/B): 8.46
• Price to Sales (P/S): 5.97
• P/FCF Ratio: -20.91
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: HK$12.00
• Price Target Upside: 5.08% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 62 Neutral
• Price Target: HK$12.00 ▲(5.08% Upside)

The overall stock score of 62 reflects significant financial challenges, including declining profitability and liquidity concerns. Despite strong technical indicators suggesting a bullish trend, the extremely high P/E ratio raises concerns about overvaluation. The absence of earnings call data and corporate events limits additional insights.

XXF Group Holdings Ltd. Business Overview & Revenue Model

Company Description

XXF Group Holdings Limited, an automobile retailer, provides automobile finance lease services primarily through self-operated sales outlets in the People's Republic of China. The company sells non-luxury automobiles on direct finance lease; and offers automobile operating lease services and other automobile-related services. It also provides information technology and insurance agency services. The company founded in 2007 and is headquartered in Fuzhou, China.

How the Company Makes Money

XXF Group Holdings Ltd. generates revenue through multiple streams, including fees from asset management services, commissions from financial advisory activities, and rental income from its real estate investments. The company may also earn income from proprietary trading and investment in various financial instruments. Key revenue drivers include the performance of its managed assets, client acquisition in its advisory services, and the occupancy rates of its properties. Strategic partnerships with financial institutions and technology providers further enhance its service offerings, allowing the company to tap into new markets and client segments, thereby contributing to its overall earnings.

XXF Group Holdings Ltd. Financial Statement Overview

Summary

XXF Group Holdings Ltd. faces several financial challenges. The income statement reflects declining profitability and inconsistent revenue growth. The balance sheet shows high leverage, although there has been some improvement in equity. Cash flow issues are evident, with negative operating and free cash flows, raising concerns about liquidity.

Income Statement

XXF Group Holdings Ltd. has shown a mixed performance in its income statement. The gross profit margin has been relatively stable, indicating good cost management. However, the net profit margin has decreased significantly from the previous year, reflecting a decline in profitability. Revenue growth has been inconsistent, with a notable drop in the most recent year. The EBIT and EBITDA margins have also declined, suggesting operational challenges.

Balance Sheet

The balance sheet of XXF Group Holdings Ltd. reveals a high debt-to-equity ratio, which indicates significant leverage and potential financial risk. However, the company has managed to increase its stockholders' equity over the years, which is a positive sign. The equity ratio has improved, suggesting a stronger capital structure. Return on equity has decreased, reflecting lower profitability relative to equity.

Cash Flow

The cash flow statement shows challenges in generating positive cash flows. Operating cash flow has been negative in recent years, and free cash flow has also been negative, indicating potential liquidity issues. The free cash flow to net income ratio is unfavorable, suggesting that the company is struggling to convert its earnings into cash. However, the company has managed to maintain positive financing cash flows, which may provide temporary relief.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.17B	1.30B	1.14B	1.17B	749.76M
Gross Profit	438.35M	419.01M	374.45M	361.76M	303.60M
EBITDA	323.03M	419.11M	347.64M	279.45M	229.34M
Net Income	39.97M	110.25M	78.91M	34.11M	12.34M
Balance Sheet
Total Assets	3.31B	2.92B	2.60B	2.20B	1.90B
Cash, Cash Equivalents and Short-Term Investments	340.60M	286.88M	201.08M	79.37M	11.88M
Total Debt	2.29B	1.88B	1.73B	1.40B	1.18B
Total Liabilities	2.48B	2.14B	2.09B	1.76B	1.49B
Stockholders Equity	822.13M	775.49M	500.24M	435.30M	396.54M
Cash Flow
Free Cash Flow	-332.78M	-203.20M	-223.18M	-134.52M	49.88M
Operating Cash Flow	-188.07M	1.32M	-74.00M	-77.41M	229.88M
Investing Cash Flow	-133.72M	-163.32M	-119.13M	-58.17M	-171.22M
Financing Cash Flow	394.55M	228.55M	314.83M	203.07M	-163.01M

XXF Group Holdings Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 11.42
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:2473, the sentiment is Positive. The current price of 11.42 is above the 20-day moving average (MA) of 9.30, above the 50-day MA of 7.94, and above the 200-day MA of 6.47, indicating a bullish trend. The MACD of 1.22 indicates Negative momentum. The RSI at 66.05 is Neutral, neither overbought nor oversold. The STOCH value of 71.32 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:2473.

XXF Group Holdings Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
1606	74 Outperform	21.49B	3.96	11.18%	5.74%	3.17%	23.13%
1905	69 Neutral	6.84B	4.57	―	10.73%	0.59%	-5.95%
1601	68 Neutral	1.42B	3.92	―	7.34%	1.11%	3.98%
6069	66 Neutral	11.37B	22.75	9.34%	3.35%	-2.49%	71.08%
2473	62 Neutral	HK$17.67B	383.22	5.17%	―	15.36%	-36.86%
1563	62 Neutral	360.16M	12.38	1.08%	―	-9.75%	-81.16%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

XXF Group Holdings Ltd. Corporate Events

XXF Group Holdings Ltd. Reports Strong Revenue Growth Amidst Global Challenges

XXF Group Holdings Ltd. reported a 16.8% increase in revenue to RMB 769,151,000 for the first half of 2025, compared to the same period in 2024. Despite global economic challenges, the company achieved a 15.9% rise in profit, reflecting resilience in the Chinese automotive market, which continues to grow due to the rising penetration of new energy vehicles and technological advancements.

The most recent analyst rating on (HK:2473) stock is a Hold with a HK$7.00 price target. To see the full list of analyst forecasts on XXF Group Holdings Ltd. stock, see the HK:2473 Stock Forecast page.

XXF Group Holdings Schedules Board Meeting for Interim Results

XXF Group Holdings Limited, incorporated in the Cayman Islands, has announced a board meeting scheduled for August 20, 2025. The meeting will focus on reviewing and approving the interim results for the first half of 2025, among other business matters. This announcement indicates the company’s ongoing commitment to transparency and regular financial reporting, which is crucial for maintaining investor confidence and market stability.

XXF Group Holdings Announces Board Roles and Functions

XXF Group Holdings Limited, a company incorporated in the Cayman Islands, has announced the roles and functions of its board of directors and board committees. The announcement details the composition of the board, highlighting the leadership roles of Mr. HUANG Wei as Chairman and CEO, and the involvement of other directors in various committees, which may impact the company’s governance and strategic decision-making.

XXF Group Holdings Limited Forms Nomination Committee to Strengthen Governance

XXF Group Holdings Limited has established a Nomination Committee as per a resolution passed by its board of directors on October 9, 2023. The committee is composed of at least three members, with a majority being independent non-executive directors, including at least one director of a different gender. The committee’s meetings will be held at least once a year, with a quorum of two members, and decisions will be made by majority vote. This move is aimed at enhancing corporate governance by ensuring diverse and independent oversight in the nomination process.

XXF Group Holdings Enhances Nomination Committee Ahead of Governance Changes

XXF Group Holdings Limited has announced changes to its Nomination Committee, appointing Ms. Zhang Jinghua and Mr. Fung Che Wai, Anthony as new members. These changes align with upcoming amendments to the Listing Rules and Corporate Governance Code, aiming to enhance the company’s corporate governance practices and board diversity.

XXF Group Holdings Announces Successful AGM Resolutions

XXF Group Holdings Limited, a company incorporated in the Cayman Islands, announced that all proposed resolutions were approved at its Annual General Meeting held on June 18, 2025. Key resolutions included the adoption of the audited financial statements, re-election of directors, re-appointment of PricewaterhouseCoopers as auditors, and granting of mandates to the directors for share issuance and repurchase. The approval of these resolutions reflects shareholder confidence in the company’s governance and strategic direction.