Goldpac Group Ltd. (3315) AI Stock Analysis

• Market Cap: HK$733.84M
• Dividend Yield: 15.76%
• Average Volume (3M): 166.29K
• Price to Earnings (P/E): 13.5
• Beta (1Y): 0.34
• Revenue Growth: -24.27%
• EPS Growth: -62.16%
• Country: HK
• Employees: 1,282
• Sector: Technology
• Sector Strength: 76
• Industry: Software - Infrastructure
• EPS (TTM): 0.07
• Shares Outstanding: 805,802,000
• 10 Day Avg. Volume: 192,700
• 30 Day Avg. Volume: 166,295
• PEG Ratio: -0.31
• Price to Book (P/B): 0.34
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 3.12
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Goldpac Group Ltd. has a stable financial foundation with a strong balance sheet, but faces significant operational challenges as reflected in declining revenues and weak cash flow. The technical analysis indicates a bearish market sentiment, although the stock is near oversold territory. The valuation is appealing due to a high dividend yield, but this may also signal caution regarding future growth. The absence of earnings call data leaves some uncertainty in future guidance.

Goldpac Group Ltd. Business Overview & Revenue Model

Company Description

Goldpac Group Ltd. (3315) is a leading provider of secure payment solutions, offering a comprehensive range of products and services in the financial technology sector. The company specializes in the design, manufacture, and distribution of payment cards, digital security products, and solutions, serving major financial institutions and corporations across the globe. With a focus on innovation and quality, Goldpac Group Ltd. leverages its advanced technologies and strategic partnerships to deliver secure and reliable payment solutions.

How the Company Makes Money

Goldpac Group Ltd. generates revenue primarily through the sale of its secure payment products and solutions. The company earns money by manufacturing and supplying payment cards, such as credit and debit cards, to financial institutions and corporations. Additionally, it provides digital security solutions and services, including data management and secure transaction processing. Goldpac also establishes partnerships with technology companies and financial service providers to enhance its product offerings and expand its market reach. The company's earnings are significantly influenced by its ability to maintain technological leadership and fulfill the growing demand for secure payment solutions worldwide.

Goldpac Group Ltd. Financial Statement Overview

Summary

The company exhibits a mixed financial performance. While the balance sheet shows strength with low leverage and a strong equity position, income statement results indicate declining revenues and margins. The lack of current cash flow reporting suggests potential liquidity issues that could affect operational flexibility.

Income Statement

The company's revenue has declined from the previous year, with a negative revenue growth rate of -22.68%. Gross profit margin stands at 23.65% and net profit margin at 4.65%, indicating profitability but at reduced levels from historical performance. EBIT and EBITDA margins are relatively low at 0.15% and 4.35% respectively, showing challenges in operational efficiency.

Balance Sheet

The company maintains a strong balance sheet with a low debt-to-equity ratio of 0.005, indicating low leverage. The equity ratio is high at 81.68%, demonstrating strong capital structure stability. Return on equity is 2.53%, suggesting moderate returns on shareholder investments.

Cash Flow

Cash flow metrics indicate challenges, with no operating, investing, or free cash flow reported for the current year, indicating potential liquidity issues. Previously, the free cash flow to net income ratio was 1.64, showing healthier cash flow generation in prior periods.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
1.10B	1.42B	1.53B	1.38B	1.28B
	Gross Profit
258.94M	420.05M	403.14M	404.14M	383.84M
	EBIT
12.23M	125.50M	171.41M	150.98M	165.14M
	EBITDA
47.63M	171.52M	214.76M	193.22M	214.04M
	Net Income Common Stockholders
50.89M	132.05M	147.43M	138.18M	145.66M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
1.05B	1.07B	995.74M	1.09B	1.36B
	Total Assets
2.46B	2.69B	2.81B	2.61B	2.58B
	Total Debt
11.00M	11.97M	53.69M	14.33M	16.51M
	Net Debt
-200.15M	-392.58M	-573.90M	-302.42M	-360.07M
	Total Liabilities
451.49M	598.84M	743.29M	601.36M	579.73M
	Stockholders Equity
2.01B	2.07B	2.06B	2.01B	2.00B
Cash Flow		Free Cash Flow
0.00	215.94M	-31.84M	-86.44M	117.10M
	Operating Cash Flow
0.00	245.25M	35.12M	-4.75M	197.44M
	Investing Cash Flow
0.00	-292.98M	337.01M	74.75M	-24.34M
	Financing Cash Flow
0.00	-179.78M	-68.85M	-130.75M	-158.53M

Goldpac Group Ltd. Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 0.92
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:3315, the sentiment is Neutral. The current price of 0.92 is above the 20-day moving average (MA) of 0.91, below the 50-day MA of 0.95, and below the 200-day MA of 1.01, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 49.48 is Neutral, neither overbought nor oversold. The STOCH value of 50.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for HK:3315.

Goldpac Group Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
1898	77 Outperform	$138.70B	5.60	12.03%	5.39%	-4.04%	-12.32%
1787	76 Outperform	HK$134.70B	37.81	10.43%	1.05%	36.74%	36.49%
2899	74 Outperform	$491.64B	11.86	27.63%	1.91%	3.41%	60.46%
3330	73 Outperform	€11.07B	13.98	22.79%	0.87%	10.21%	77.99%
1171	68 Neutral	$117.97B	5.68	22.05%	17.32%	2.87%	―
3315	61 Neutral	HK$733.84M	13.47	2.46%	15.76%	-24.27%	-62.16%
Sector *	60 Neutral	$11.59B	10.39	-7.23%	2.94%	7.46%	-10.76%

Goldpac Group Ltd. Corporate Events

Goldpac Group Ltd. Announces Annual General Meeting and Key Resolutions

Goldpac Group Ltd. has announced its upcoming annual general meeting scheduled for May 22, 2025, where key agenda items include the adoption of financial statements, declaration of a final dividend, and the election of directors. The meeting will also address resolutions to authorize the board to issue additional shares and re-appoint PricewaterhouseCoopers as the company’s auditor, reflecting strategic decisions that could impact the company’s financial operations and governance structure.

Goldpac Group Ltd. Declares Final Dividend for 2024

Goldpac Group Ltd. has announced a final ordinary cash dividend of HKD 0.055 per share for the financial year ending December 31, 2024. This announcement reflects the company’s ongoing commitment to returning value to its shareholders and may impact its financial positioning and attractiveness to investors. The dividend will be paid on June 18, 2025, following shareholder approval on May 22, 2025.

Goldpac Group Ltd. Announces Strategic Board Restructuring

Goldpac Group Ltd. announced significant changes to its board composition, aiming to enhance decision-making efficiency and strategic execution. The company plans to reduce its board members from nine to seven, with several executive directors resigning or retiring by the conclusion of the 2025 AGM. This restructuring is intended to improve the company’s competitiveness and increase the proportion of independent non-executive directors, ultimately creating long-term value for shareholders.

Goldpac Group Ltd. Reports 2024 Financial Results Amidst Strategic Transformation

Goldpac Group Ltd. announced its annual financial results for 2024, reporting a revenue of approximately RMB1.095 billion, a 22.7% decrease from the previous year. Despite a significant drop in profit by 67.2%, the company maintains a healthy financial status with strong liquidity, supporting its strategic transformation and R&D efforts. The UMV platform has expanded rapidly, showcasing its potential to innovate financial services. The board proposed a final dividend of HK5.5 cents per share, reflecting a decrease from the previous year.

Goldpac Group Schedules Board Meeting for Annual Results Review

Goldpac Group Limited has announced that its board of directors will convene on March 27, 2025, to review and approve the company’s annual results for the fiscal year ending December 31, 2024. The meeting will also consider the recommendation of a final dividend and address other business matters, indicating a critical moment for stakeholders as the company evaluates its financial performance and potential shareholder returns.