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Zuoli Kechuang Micro-finance Co. Ltd. Class H (HK:6866)
:6866
Hong Kong Market
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Zuoli Kechuang Micro-finance Co. Ltd. Class H (6866) AI Stock Analysis

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HK:6866

Zuoli Kechuang Micro-finance Co. Ltd. Class H

(6866)

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Neutral 68 (OpenAI - Gpt-5.6Sol)
Rating:68Neutral
Price Target:
HK$0.31
▲(11.07% Upside)
Action:Reiterated
Date:06/24/26
The score is driven primarily by solid overall financial fundamentals (strong reported profitability and controlled leverage) but tempered by uneven cash-flow consistency and softer 2025 net income. Valuation is a major positive (low P/E and solid dividend yield), while technical indicators remain mildly weak with negative MACD and sub-50 RSI.
Positive Factors
Strong Profitability
Consistently high gross, operating, and net margins indicate that the company retains substantial profitability after operating costs. This provides an earnings cushion over the next several months and can support continued operations and capital allocation even when revenue growth is uneven.
Negative Factors
Bottom-Line Decline
A lower net income despite materially higher revenue signals pressure on bottom-line efficiency or conversion of sales into profit. If this pattern persists, revenue growth may not translate into stronger earnings, weakening confidence in near-term profit durability.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Profitability
Consistently high gross, operating, and net margins indicate that the company retains substantial profitability after operating costs. This provides an earnings cushion over the next several months and can support continued operations and capital allocation even when revenue growth is uneven.
Read all positive factors

Zuoli Kechuang Micro-finance Co. Ltd. Class H (6866) vs. iShares MSCI Hong Kong ETF (EWH)

Zuoli Kechuang Micro-finance Co. Ltd. Class H Business Overview & Revenue Model

Company Description
Zuoli Kechuang Micro-finance Company Limited functions as a micro-lender throughout the People's Republic of China. The company provides a comprehensive suite of credit products, encompassing unsecured, guaranteed, collateralized, and pledged loan...
How the Company Makes Money
null...

Zuoli Kechuang Micro-finance Co. Ltd. Class H Financial Statement Overview

Summary
Profitability is strong with very high gross/operating margins and solid net margins, and 2025 revenue re-accelerated (+20.3%). Offsetting this, net income declined in 2025 versus 2024 and operating cash flow has been volatile (including a negative year and a sharp drop in 2025), reducing confidence in earnings durability despite controlled leverage (debt-to-equity ~0.21).
Income Statement
73
Positive
Balance Sheet
66
Positive
Cash Flow
57
Neutral
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue163.87M139.83M123.77M195.08M180.61M199.13M
Gross Profit162.64M148.54M123.77M195.08M208.27M251.94M
EBITDA109.41M118.71M96.77M137.37M140.73M181.41M
Net Income54.28M60.44M62.44M92.65M93.34M116.49M
Balance Sheet
Total Assets2.56B2.56B2.58B2.66B2.79B2.65B
Cash, Cash Equivalents and Short-Term Investments29.74M23.51M10.52M17.48M16.59M42.68M
Total Debt426.87M435.14M463.26M596.46M761.88M649.97M
Total Liabilities492.20M516.72M537.41M654.60M826.12M722.59M
Stockholders Equity2.06B2.03B1.98B1.94B1.90B1.86B
Cash Flow
Free Cash Flow0.0086.82M160.85M284.92M-5.50M69.12M
Operating Cash Flow0.0086.89M160.85M284.95M-5.46M70.28M
Investing Cash Flow0.0014.30M58.00K96.00K-26.00K118.00K
Financing Cash Flow0.00-88.52M-167.85M-284.04M-19.51M-104.22M

Zuoli Kechuang Micro-finance Co. Ltd. Class H Technical Analysis

Technical Analysis Sentiment
Negative
Last Price0.28
Price Trends
50DMA
0.29
Negative
100DMA
0.31
Negative
200DMA
0.32
Negative
Market Momentum
MACD
>-0.01
Negative
RSI
43.40
Neutral
STOCH
60.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:6866, the sentiment is Negative. The current price of 0.28 is below the 20-day moving average (MA) of 0.28, below the 50-day MA of 0.29, and below the 200-day MA of 0.32, indicating a bearish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 43.40 is Neutral, neither overbought nor oversold. The STOCH value of 60.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:6866.

Zuoli Kechuang Micro-finance Co. Ltd. Class H Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
86
Outperform
HK$693.60M5.967.71%5.63%93.55%2.11%
68
Neutral
HK$336.30M5.312.66%4.88%-2.05%14.16%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
55
Neutral
HK$466.66M-0.50-19.32%27.47%-32.03%-235.24%
52
Neutral
HK$2.06B-55.87-226.07%31.07%-57.85%
43
Neutral
HK$627.54M-3.08-24.06%33.07%-135.86%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
HK:6866
Zuoli Kechuang Micro-finance Co. Ltd. Class H
0.29
-0.02
-5.00%
HK:2051
51 Credit Card Inc.
0.39
-0.24
-37.90%
HK:1577
Quanzhou Huixin Micro-credit Co., Ltd. Class H
1.02
0.21
25.31%
HK:1915
Yangzhou Guangling District Taihe Rural Micro-finance Company Limited Class H
0.27
0.00
0.00%
HK:2003
VCREDIT Holdings Limited
0.91
-2.29
-71.56%
HK:8239
Capital Finance Holdings Limited
21.60
13.75
175.16%

Zuoli Kechuang Micro-finance Co. Ltd. Class H Corporate Events

Zuoli Kechuang’s Interim Results Show Profit and EPS Decline Amid Softer Interest Income
Aug 14, 2026
Zuoli Kechuang Company Limited reported unaudited interim results for the six months ended 30 June 2026, showing net interest income of RMB55.1 million, down from RMB73.8 million a year earlier, as interest income declined and interest and commiss...
Zuoli Kechuang Sets Board Meeting to Review Interim Results and Dividend
Aug 4, 2026
Zuoli Kechuang Company Limited, a PRC-based joint stock company listed in Hong Kong, operates through a group structure and is governed by a board comprising executive, non-executive and independent non-executive directors. Its corporate governanc...
Zuoli Kechuang Secures Related-Party Leases Worth RMB3.24 Million
Jul 6, 2026
Zuoli Kechuang Company Limited has entered into new three-year lease agreements with connected party Zuoli Holdings for properties used by the parent company and its non-wholly owned subsidiary Jinhui Micro-finance, effective from 7 July 2026 to 6...
Zuoli Kechuang Shareholders Approve All 2025 AGM Resolutions and Reappoint KPMG
Jun 18, 2026
Zuoli Kechuang Company Limited reported that all resolutions at its annual general meeting held on June 18, 2026, were approved by shareholders via poll, with 70.73% of issued shares represented in person or by proxy. The meeting confirmed the com...
Zuoli Kechuang Sets Out Board Line-Up and Committee Roles
Jun 18, 2026
Zuoli Kechuang Company Limited has released an updated list of its board of directors and clarified their respective roles, including the designation of executive, non-executive and independent non-executive directors. The board is led by Chairman...
Zuoli Kechuang Sets Formal Audit Committee Mandate to Strengthen Governance
Jun 18, 2026
Zuoli Kechuang Company Limited has formalized the terms of reference for its Board Audit Committee to strengthen oversight of financial reporting, internal controls and risk management. The committee is tasked with reviewing the company’s fi...
Zuoli Kechuang Sets Formal Mandate for Remuneration and Appraisal Committee
Jun 18, 2026
Zuoli Kechuang Company Limited has formalized terms of reference for its Remuneration and Appraisal Committee, a specialized body under the board responsible for setting performance appraisal standards and remuneration policies for directors, supe...
Zuoli Kechuang Sets Up Nomination Committee to Strengthen Corporate Governance
Jun 18, 2026
Zuoli Kechuang Company Limited has established a Nomination Committee under its Board of Directors to regulate the appointment of directors and senior management, optimize board composition, and enhance its corporate governance structure in line w...
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.Date of analysis: Jun 24, 2026