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China Rongzhong Financial Holdings Company Limited
(3963)
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Rating:47Neutral
Price Target:
HK$0.11
▼(-12.31% Downside)
Action:Reiterated
Date:10/17/26
The score is primarily held back by weak financial performance—persistent net losses and elevated balance-sheet leverage—despite stable positive operating cash flow. Technical indicators are moderately supportive in the near term, but valuation is limited by negative earnings and the absence of dividend yield data.
Positive Factors
Consistent Operating Cash Flow
Consistently positive operating cash flow provides an internal source of liquidity despite reported losses. This demonstrates that the core operating activities can generate cash over multiple years, supporting ongoing operations and giving the company some resilience while profitability remains under pressure.
Negative Factors
Persistent Losses and Weak Profitability
Persistent net losses and negative operating profit weaken earnings quality and reduce the company’s ability to build capital internally. Although EBITDA remains positive, continued losses indicate that operating cash earnings are not yet translating into durable bottom-line profitability or stronger shareholder returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent Operating Cash Flow
Consistently positive operating cash flow provides an internal source of liquidity despite reported losses. This demonstrates that the core operating activities can generate cash over multiple years, supporting ongoing operations and giving the company some resilience while profitability remains under pressure.
Read all positive factors
China Rongzhong Financial Holdings Company Limited (3963) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$70.39M
Dividend YieldN/A
Average Volume (3M)64.40K
Price to Earnings (P/E)―
Beta (1Y)0.50
Revenue Growth1.99%
EPS Growth-21.32%
CountryHK
Employees115
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-0.02
Shares Outstanding606,802,550
10 Day Avg. Volume102,200
30 Day Avg. Volume64,400
Financial Highlights & Ratios
PEG Ratio-0.46
Price to Book (P/B)10.78
Price to Sales (P/S)1.16
P/FCF Ratio-11.97
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
China Rongzhong Financial Holdings Company Limited Business Overview & Revenue Model
Company Description
China Rongzhong Financial Holdings Company Limited, an investment holding company, provides financial leasing services in China, Hong Kong, and Singapore. The company focuses on financing the needs of SMEs in Hubei province. It also provides finan...
How the Company Makes Money
The company generates revenue primarily by providing financing-related services and earning service fees and interest-type income associated with those activities. Key revenue streams include (1) income from entrusted loan arrangements, where the ...
China Rongzhong Financial Holdings Company Limited Financial Statement Overview
Summary
Income Statement
34
Negative
Balance Sheet
22
Negative
Cash Flow
45
Neutral
| Breakdown | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 85.16M | 69.42M | 89.00M | 51.06M | 35.12M |
| Gross Profit | 24.88M | 540.00K | 18.95M | 51.06M | 10.45M |
| EBITDA | 13.36M | 10.34M | 9.61M | 12.52M | -532.20M |
| Net Income | -10.04M | -8.11M | -9.62M | -124.61M | -567.55M |
Balance Sheet | |||||
| Total Assets | 81.82M | 85.55M | 84.69M | 93.64M | 433.92M |
| Cash, Cash Equivalents and Short-Term Investments | 10.28M | 7.97M | 6.97M | 14.57M | 15.48M |
| Total Debt | 56.77M | 51.21M | 40.03M | 62.71M | 778.64M |
| Total Liabilities | 68.13M | 67.58M | 66.95M | 118.64M | 1.13B |
| Stockholders Equity | 9.17M | 17.34M | 18.46M | -31.29M | -701.43M |
Cash Flow | |||||
| Free Cash Flow | -8.26M | -12.74M | -15.06M | 473.00K | -6.45M |
| Operating Cash Flow | 17.54M | 18.64M | 22.72M | 29.82M | 2.70M |
| Investing Cash Flow | -14.86M | -19.98M | -25.59M | -12.67M | 2.05M |
| Financing Cash Flow | -814.00K | 2.09M | -4.04M | -18.87M | -2.56M |
China Rongzhong Financial Holdings Company Limited Technical Analysis
Negative
0.13
Price Trends
0.12
Positive
0.13
Negative
0.14
Negative
Market Momentum
<0.01
Positive
50.04
Neutral
52.78
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:3963, the sentiment is Negative. The current price of 0.13 is above the 20-day moving average (MA) of 0.12, above the 50-day MA of 0.12, and below the 200-day MA of 0.14, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 50.04 is Neutral, neither overbought nor oversold. The STOCH value of 52.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:3963.
China Rongzhong Financial Holdings Company Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | HK$564.00M | 12.22 | 4.89% | 8.16% | -17.07% | -5.72% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | HK$290.28M | 4.55 | 2.66% | 5.70% | -2.05% | 14.16% | |
53 Neutral | HK$554.16M | -0.62 | -19.32% | 21.74% | -32.03% | -235.24% | |
47 Neutral | HK$70.39M | -7.03 | -87.70% | ― | 1.99% | -21.32% | |
46 Neutral | HK$79.05M | -1.28 | -13.09% | 4.37% | -76.61% | -529.32% |
* Financial Sector Average
HK:3963
China Rongzhong Financial Holdings Company Limited
0.12
-0.07
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-21.43%
China Rongzhong Financial Holdings Company Limited Corporate Events
China Rongzhong Extends Maturity of HK$4.24 Million Promissory Notes
Sep 30, 2026
China Rongzhong Financial Holdings has amended the terms of two promissory notes issued to Solomon Glory, a wholly owned subsidiary of controlling shareholder Goldbond, in connection with a prior acquisition settlement. The notes, carrying an aggr...
China Rongzhong Wins Unanimous Shareholder Backing at 2026 AGM
Sep 9, 2026
China Rongzhong Financial Holdings reported that all ordinary resolutions put to shareholders at its 9 September 2026 annual general meeting were approved by poll, with all directors attending in person or electronically. Shareholders adopted the ...
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.