Want to see HK:3686 full AI Analyst Report?
Top Page
Clifford Modern Living Holdings Ltd
(3686)
Select Model
Select Model
Rating:73Outperform
Price Target:
HK$0.55
▼(-29.23% Downside)
Action:Reiterated
Date:08/19/26
The score is driven primarily by solid fundamentals (strong profitability, conservative leverage, and positive free cash flow) and very attractive valuation (low P/E and high dividend yield). These positives are tempered by weak technical signals (broadly below key moving averages with negative MACD and low RSI), plus uneven revenue and mixed cash conversion that raise durability questions around the 2025 profit surge.
Positive Factors
Conservative Balance Sheet
Low leverage and a sizable equity base provide financial resilience for a grocery retailer. This structure can reduce interest-burden risk, preserve borrowing capacity, and give the company flexibility to manage operating volatility over the next several quarters.
Negative Factors
Declining and Uneven Revenue
A declining and inconsistent top line raises questions about customer demand, store productivity, and the company’s ability to expand its revenue base. Persistent weakness would limit operating leverage and make future earnings growth more dependent on margins or non-operating items.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
Low leverage and a sizable equity base provide financial resilience for a grocery retailer. This structure can reduce interest-burden risk, preserve borrowing capacity, and give the company flexibility to manage operating volatility over the next several quarters.
Read all positive factors
Clifford Modern Living Holdings Ltd (3686) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$467.25M
Dividend Yield20%
Average Volume (3M)806.67K
Price to Earnings (P/E)2.0
Beta (1Y)0.36
Revenue Growth-10.23%
EPS Growth74.94%
CountryHK
Employees764
SectorConsumer Defensive
Sector Strength42
IndustryGrocery Stores
Share Statistics
EPS (TTM)0.28
Shares Outstanding1,015,750,000
10 Day Avg. Volume943,000
30 Day Avg. Volume806,666
Financial Highlights & Ratios
PEG Ratio0.01
Price to Book (P/B)1.16
Price to Sales (P/S)2.14
P/FCF Ratio8.47
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Clifford Modern Living Holdings Ltd Business Overview & Revenue Model
Company Description
Headquartered in Guangzhou, People's Republic of China, Clifford Modern Living Holdings Limited, an investment holding company established in 1998, delivers a broad spectrum of services across the PRC. Its operations are divided into six principal...
How the Company Makes Money
null...
Clifford Modern Living Holdings Ltd Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
84
Very Positive
Cash Flow
66
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 320.27M | 367.38M | 345.04M | 382.88M | 430.84M |
| Gross Profit | 166.27M | 169.37M | 163.61M | 177.84M | 189.19M |
| EBITDA | 113.64M | 121.77M | 147.66M | 154.71M | 123.67M |
| Net Income | 284.63M | 97.54M | 85.84M | 95.14M | 81.12M |
Balance Sheet | |||||
| Total Assets | 718.33M | 605.52M | 872.78M | 843.10M | 763.66M |
| Cash, Cash Equivalents and Short-Term Investments | 285.54M | 282.91M | 711.14M | 622.24M | 416.67M |
| Total Debt | 30.52M | 45.14M | 49.80M | 67.44M | 65.89M |
| Total Liabilities | 127.46M | 152.41M | 171.54M | 204.50M | 201.13M |
| Stockholders Equity | 590.87M | 453.11M | 701.23M | 638.60M | 562.53M |
Cash Flow | |||||
| Free Cash Flow | 80.78M | 79.06M | 115.92M | 154.61M | 87.51M |
| Operating Cash Flow | 81.27M | 80.45M | 119.09M | 156.01M | 88.62M |
| Investing Cash Flow | -259.12K | -28.53M | -55.12M | 95.43M | -42.74M |
| Financing Cash Flow | -157.12M | -360.15M | -40.07M | -36.08M | -38.40M |
Clifford Modern Living Holdings Ltd Technical Analysis
Negative
0.78
Price Trends
0.54
Negative
0.59
Negative
0.63
Negative
Market Momentum
-0.02
Positive
31.83
Neutral
34.44
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:3686, the sentiment is Negative. The current price of 0.78 is above the 20-day moving average (MA) of 0.50, above the 50-day MA of 0.54, and above the 200-day MA of 0.63, indicating a bearish trend. The MACD of -0.02 indicates Positive momentum. The RSI at 31.83 is Neutral, neither overbought nor oversold. The STOCH value of 34.44 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:3686.
Clifford Modern Living Holdings Ltd Peers Comparison
UnderperformOutperform
Sector (62)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | HK$467.25M | 1.97 | 37.72% | 20.00% | -10.23% | 74.94% | |
67 Neutral | HK$297.21M | 8.17 | 5.61% | 10.53% | 1.35% | 38.28% | |
66 Neutral | HK$521.12M | 6.13 | 6.06% | 9.79% | 2.24% | -39.98% | |
66 Neutral | HK$704.42M | 25.00 | 2.09% | 5.75% | 1.22% | ― | |
63 Neutral | HK$1.73B | 8.03 | 40.50% | 16.47% | 1.19% | -12.34% | |
62 Neutral | $20.33B | 14.63 | -3.31% | 3.23% | 1.93% | -12.26% | |
44 Neutral | HK$950.07M | 78.78 | 1.09% | 3.49% | 3.24% | 31.30% |
* Consumer Defensive Sector Average
HK:3686
Clifford Modern Living Holdings Ltd
0.48
-0.09
-15.18%
HK:3828
Ming Fai International Holdings
0.72
-0.21
-22.62%
HK:0374
Four Seas Mercantile Holdings Limited
2.50
0.04
1.79%
HK:0677
Golden Resources Development International Limited
0.40
0.08
23.84%
HK:0831
Convenience Retail Asia Limited
0.38
0.08
26.67%
HK:2360
Best Mart 360 Holdings Ltd.
1.76
-0.21
-10.80%
Clifford Modern Living Holdings Ltd Corporate Events
Clifford Modern Living flags interim loss on sharp precious metals valuation hit
Aug 17, 2026
Clifford Modern Living Holdings has warned that it expects to swing to a net loss of about RMB2.4 million to RMB4.4 million for the six months ended 30 June 2026, compared with a profit of roughly RMB75.1 million a year earlier. The reversal is ma...
Clifford Modern Living Sets August Board Meeting to Review Interim Results
Aug 13, 2026
Clifford Modern Living Holdings Ltd has scheduled a board meeting for 28 August 2026 to review and approve the interim results for the six months ended 30 June 2026. The board will also consider the declaration of an interim dividend and address o...
Clifford Modern Living Flags Sharp Profit Hit from Precious Metals Losses
Jul 16, 2026
Clifford Modern Living Holdings has warned that its interim results for the six months to 30 June 2026 will be significantly lower than a year earlier, despite booking gains of about RMB44.4 million from disposals of unallocated silver and gold bu...
Clifford Modern Living Wins Strong Shareholder Backing, Declares HK9.50-Cent Final Dividend
Jun 26, 2026
Shareholders of Clifford Modern Living Holdings Ltd overwhelmingly approved all resolutions at the 26 June 2026 annual general meeting, endorsing the audited 2025 financial statements and the reappointment of Moore CPA Limited as independent audit...
Clifford Modern Living Boosts Bullion Holdings With New Gold and Silver Buys
Jun 11, 2026
Clifford Modern Living Holdings has expanded its precious metals portfolio with new purchases of allocated silver and gold bullion funded entirely from internal resources. The group acquired about 30,900 ounces of silver through Standard Chartered...
Clifford Modern Living Expands Silver Holdings in Discloseable Transaction
Jun 1, 2026
Clifford Modern Living Holdings has placed an order to purchase about 30,200 ounces of allocated silver bullion for roughly HK$18.1 million as its fifth silver investment, funded from internal resources and due to settle on 3 June 2026. The deal, ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.