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Goldpac Group Ltd. (3315) AI Stock Analysis
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Goldpac Group Ltd.
(HKEX:3315)
The score is primarily supported by a conservative, low-debt balance sheet and improved recent free cash flow. Offsetting these positives, multi-year revenue declines and margin compression weigh on financial quality, and the stock’s technical picture remains weak with the price below key moving averages and negative MACD. A modest P/E and high dividend yield provide valuation support.
Goldpac Group Ltd. (3315) vs. iShares MSCI Hong Kong ETF (EWH)
- Market Cap
- HKD 454.66M
- Dividend Yield
- 8.77%
- Average Volume (3M)
- 182.14K
- Price to Earnings (P/E)
- 165.3
- Beta (1Y)
- 0.35
- Revenue Growth
- -8.91%
- EPS Growth
- -96.57%
- Country
- Hong Kong
- Employees
- 1,230
- Sector
- Technology
- Sector Strength
- 61
- Industry
- Semiconductors
Goldpac Group Ltd. Business Overview & Revenue Model
Company Description
Goldpac Group Limited, an investment holding company, provides embedded software, secure payment products, and smart financial self-service kiosks in the Mainland China and internationally. The company operates through Embedded Software and Secure Pa...
How the Company Makes Money
Goldpac Group Ltd. generates revenue primarily by supplying banks and other customers with bank card and payment-security related products and services across the card lifecycle. Key revenue streams typically include: (1) sales of physical bank cards...
Goldpac Group Ltd. Financial Statement Overview
Summary
Financials are mixed. The balance sheet is strong with very low leverage (high Balance Sheet Score), and free cash flow has improved meaningfully in 2023–2025 (mid Cash Flow Score). However, the income statement is weak: revenue has declined for multiple years and net/operating margins have compressed materially (low Income Statement Score), with ROE falling sharply.
Income Statement
46NeutralBalance Sheet
82Very PositiveCash Flow
64Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 885.59M | 930.82M | 1.10B | 1.42B | 1.53B | 1.38B |
| Gross Profit | 210.02M | 252.51M | 258.94M | 420.05M | 403.14M | 404.14M |
| EBITDA | 21.92M | 58.40M | 51.13M | 176.94M | 119.26M | 160.69M |
| Net Income | 2.19M | 40.12M | 50.89M | 132.05M | 147.43M | 138.18M |
Balance Sheet | ||||||
| Total Assets | 2.40B | 2.43B | 2.46B | 2.69B | 2.81B | 2.61B |
| Cash, Cash Equivalents and Short-Term Investments | 1.29B | 1.27B | 1.05B | 1.07B | 995.74M | 1.09B |
| Total Debt | 4.35M | 79.21M | 11.00M | 11.97M | 53.69M | 14.33M |
| Total Liabilities | 445.79M | 420.78M | 451.49M | 598.84M | 743.29M | 601.36M |
| Stockholders Equity | 1.96B | 2.01B | 2.01B | 2.07B | 2.06B | 2.01B |
Cash Flow | ||||||
| Free Cash Flow | 29.67M | 135.98M | 222.10M | 215.94M | -31.84M | -86.44M |
| Operating Cash Flow | 42.38M | 160.34M | 240.06M | 245.25M | 35.12M | -4.75M |
| Investing Cash Flow | 46.53M | 162.72M | -293.46M | -292.98M | 337.01M | 74.75M |
| Financing Cash Flow | -40.29M | -47.85M | -139.54M | -179.78M | -68.85M | -130.75M |
Goldpac Group Ltd. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:3315, the sentiment is Negative. The current price of 0.57 is below the 20-day moving average (MA) of 0.59, below the 50-day MA of 0.60, and below the 200-day MA of 0.70, indicating a bearish trend. The MACD of -0.01 indicates Positive momentum. The RSI at 32.47 is Neutral, neither overbought nor oversold. The STOCH value of 31.75 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:3315.
Goldpac Group Ltd. Peers Comparison
Overall Rating
- HK:331562Neutral
HK:806260Neutral
HK:259852Neutral
HK:081849Neutral
HK:992348Neutral
HK:861337Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HK:3315 | 62Neutral | HKD 454.66M | 165.32 | 0.11% | 8.77% | -8.91% | -96.57% |
| Sector * | 61Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% |
| HK:8062 | 60Neutral | HKD 119.52M | 41.02 | 2.22% | 8.03% | -10.31% | -48.72% |
| HK:2598 | 52Neutral | HKD 3.54B | 18.07 | 5.40% | ― | 117.57% | -90.13% |
| HK:0818 | 49Neutral | HKD 708.09M | -1.02 | -9.45% | ― | 6.86% | -589.88% |
| HK:9923 | 48Neutral | HKD 1.62B | 12.91 | 3.09% | 0.86% | -4.38% | -0.12% |
| HK:8613 | 37Underperform | HKD 55.90M | -1.44 | 128.04% | ― | -56.52% | 6.67% |
* Technology Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| HK:3315 | Goldpac Group Ltd. | 0.57 | -0.37 | -39.04% | |
| HK:9923 | Yeahka Limited | 3.50 | -5.16 | -59.57% | |
| HK:8062 | EFT Solutions Holdings Ltd | 0.25 | -0.01 | -5.32% | |
| HK:0818 | Hi Sun Technology (China) Limited | 0.26 | -0.33 | -56.78% | |
| HK:8613 | Oriental Payment Group Holdings Limited | 0.03 | -0.03 | -50.00% | |
| HK:2598 | Lianlian DigiTech Co., Ltd. Class H | 3.13 | -5.02 | -61.60% |
Goldpac Group Ltd. Corporate Events
Goldpac Tightens Board Governance with New Nomination Committee Charter
Goldpac Group Ltd., a Hong Kong-incorporated company in the financial technology and secure payment solutions sector, maintains a governance structure that relies on board committees to oversee key functions, including director appointments and succe...
Goldpac posts first interim loss as it pivots to global digital payment ecosystem
Goldpac Group reported interim revenue of RMB418.4 million for the first half of 2026, down 8.6% year on year, and posted a net loss of RMB14.6 million, its first since establishment. The decline reflected weaker consumer credit demand in the Chinese...
Goldpac Sets August Board Meeting to Review Interim Results and Dividend
Goldpac Group Limited has scheduled a board meeting for 24 August 2026 to review and approve the Group’s interim results for the six months ended 30 June 2026. The board will also consider the declaration of an interim dividend and address othe...
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: Aug 06, 2026