Zuoli Kechuang Micro-finance Co. Ltd. Class H (6866) AI Stock Analysis

• Market Cap: HK$348.10M
• Dividend Yield: 7.42%
• Average Volume (3M): 29.20K
• Price to Earnings (P/E): 8.2
• Beta (1Y): 0.18
• Revenue Growth: -21.32%
• EPS Growth: -63.98%
• Country: HK
• Employees: 77
• Sector: Financial
• Sector Strength: 85
• Industry: Financial - Credit Services
• EPS (TTM): 0.04
• Shares Outstanding: 300,000,000
• 10 Day Avg. Volume: 23,600
• 30 Day Avg. Volume: 29,200
• PEG Ratio: -0.17
• Price to Book (P/B): 0.17
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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

Zuoli Kechuang Micro-finance Co. Ltd. has a solid financial foundation due to its strong balance sheet and attractive valuation metrics. However, declining revenues, profitability concerns, and cash flow volatility pose significant risks. Technical indicators show mixed signals, suggesting cautious optimism in the short term.

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

Company Description

Zuoli Kechuang Micro-finance Co. Ltd. Class H (6866) is a China-based company engaged in providing micro-financing services. The company primarily operates in the microfinance sector, focused on offering various loan products to small and medium-sized enterprises (SMEs), individual entrepreneurs, and other underserved segments of the market. Its core services include secured and unsecured loans, designed to support the financial needs of its clients and promote economic growth in its operating regions.

How the Company Makes Money

Zuoli Kechuang Micro-finance Co. Ltd. makes money by earning interest on the loans it provides to its clients, which include small and medium-sized enterprises and individual entrepreneurs. The company charges interest on both secured and unsecured loans, with interest rates determined by the risk profile of the borrower and prevailing market conditions. Additionally, the company may earn revenue from loan-related fees, such as origination fees, processing fees, and late payment penalties. Zuoli Kechuang Micro-finance may also benefit from partnerships with banks or financial institutions for funding and risk-sharing purposes, which can enhance its lending capacity and reduce operational risks.

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

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
178.86M	195.08M	208.27M	251.94M	263.65M	284.97M
	Gross Profit
199.61M	215.82M	208.27M	251.94M	263.65M	284.97M
	EBIT
149.95M	149.99M	181.36M	161.95M	154.49M	179.28M
	EBITDA
58.63M	0.00	0.00	0.00	0.00	0.00
	Net Income Common Stockholders
81.54M	92.65M	93.34M	116.49M	110.24M	131.59M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
17.48M	17.48M	16.59M	42.68M	78.23M	55.31M
	Total Assets
2.66B	2.66B	2.79B	2.65B	2.60B	2.53B
	Total Debt
596.46M	596.46M	761.88M	649.97M	663.06M	717.25M
	Net Debt
578.98M	-17.48M	745.28M	607.29M	584.83M	661.94M
	Total Liabilities
654.60M	654.60M	761.88M	649.97M	663.06M	717.25M
	Stockholders Equity
1.94B	1.94B	1.90B	1.86B	1.75B	1.64B
Cash Flow		Free Cash Flow
0.00	284.92M	-5.50M	69.12M	142.81M	84.09M
	Operating Cash Flow
0.00	284.95M	-5.46M	70.28M	148.84M	92.67M
	Investing Cash Flow
0.00	96.00K	-26.00K	118.00K	-7.04M	-7.83M
	Financing Cash Flow
0.00	-284.04M	-19.51M	-104.22M	-118.83M	-71.16M

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

• Technical Analysis Sentiment: Negative
• Last Price: 0.30
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: 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 0.3 is above the 20-day moving average (MA) of 0.30, above the 50-day MA of 0.29, and below the 200-day MA of 0.30, indicating a bearish trend. The MACD of <0.01 indicates Positive momentum. The RSI at 45.54 is Neutral, neither overbought nor oversold. The STOCH value of 70.00 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
3311	71 Outperform	$58.42B	5.95	14.62%	6.94%	1.21%	2.15%
1818	70 Outperform	$63.27B	38.17	11.20%	0.25%	35.04%	102.30%
6866	68 Neutral	HK$348.10M	8.24	1.97%	7.42%	-21.32%	-63.98%
Sector *	64 Neutral	$12.74B	9.83	7.63%	17000.35%	12.34%	-5.32%
1528	46 Neutral	€12.40B	―	-6.64%	2.39%	-35.35%	-14.20%
2012	46 Neutral	$129.04M	―	-155.60%	―	50.03%	93.69%
1813	33 Underperform	$1.13B	―	-95.62%	―	-31.29%	57.76%

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

Zuoli Kechuang Enhances Governance with New Nomination Committee

Zuoli Kechuang Micro-finance Co. Ltd. has established a Nomination Committee under its Board of Directors to regulate the appointment of management officers and optimize the board’s composition. This move aims to improve corporate governance by ensuring diversity and balance in the board’s talent and expertise, thereby potentially enhancing the company’s strategic development and operational efficiency.

Zuoli Kechuang Micro-finance Reports Decline in Q1 2025 Profits

Zuoli Kechuang Micro-finance Co. Ltd. announced its unaudited consolidated results for the first quarter of 2025, showing a decrease in net interest income and profit compared to the same period in 2024. The company’s profit before tax dropped significantly from RMB 53,830,000 to RMB 20,858,000, indicating challenges in maintaining profitability amid rising administrative expenses and lower other net income.

Zuoli Kechuang Micro-finance Announces 2024 AGM with Strategic Financial Resolutions

Zuoli Kechuang Micro-finance Co. Ltd. has announced its 2024 Annual General Meeting (AGM) scheduled for June 13, 2025, where key resolutions will be discussed and potentially approved. These include the approval of the company’s annual reports, financial statements, profit distribution plan, and external auditor’s fees. Additionally, the company seeks approval for a bank credit line up to RMB300 million and external guarantees up to RMB800 million. A special resolution will address the issuance of debt financing instruments up to RMB1 billion to supplement working capital, reflecting the company’s strategic financial planning and potential growth initiatives.

Zuoli Kechuang Updates Cash Dividend Details for 2024

Zuoli Kechuang Micro-finance Co. Ltd. has announced an update regarding its cash dividend for the financial year ending December 31, 2024. The final ordinary dividend declared is RMB 0.0127 per share, with key dates including an ex-dividend date of June 27, 2025, and a payment date of August 29, 2025. This announcement reflects the company’s commitment to returning value to its shareholders and maintaining transparency in its financial operations.

Zuoli Kechuang Announces New Share Charge Arrangement

Zuoli Kechuang Micro-finance Company Limited announced the release of a previous share charge and the establishment of a new share charge involving 322,540,960 domestic shares, representing 27.33% of the company’s total issued share capital. This new share charge, held by substantial shareholder Deqing Puhua Energy Company Limited in favor of Zhegu (Hangzhou) Corporate Management Company Limited, is not intended to secure the company’s debts or obligations, indicating a strategic financial maneuver that may impact stakeholder interests and the company’s market positioning.

Zuoli Kechuang Proposes Amendments to Enhance Governance

Zuoli Kechuang Micro-finance Co. Ltd. has announced proposed amendments to its Articles of Association in response to changes in the Company Law and other regulatory guidelines in China. These amendments aim to enhance corporate governance and require approval from shareholders at the upcoming annual general meeting, as well as necessary approvals from relevant authorities.

Zuoli Kechuang Schedules Board Meeting to Review Q1 Results

Zuoli Kechuang Micro-finance Co. Ltd. has announced a board meeting scheduled for April 25, 2025, to review and approve the unaudited consolidated first quarterly results for the period ending March 31, 2025. This meeting is crucial for the company as it will provide insights into its financial performance and strategic direction, potentially impacting its market positioning and stakeholder confidence.

Zuoli Kechuang Micro-finance Updates Dividend Payment Date

Zuoli Kechuang Micro-finance Co. Ltd. has announced an update to its cash dividend declaration for the financial year ending December 31, 2024. The company declared a final ordinary dividend of RMB 0.0127 per share, with the payment date set for August 29, 2025. This announcement may impact the company’s financial planning and investor relations as it reflects the company’s commitment to returning value to shareholders.

Zuoli Kechuang Announces 2024 Final Dividend

Zuoli Kechuang Micro-finance Co. Ltd. has announced a final ordinary cash dividend of RMB 0.0127 per share for the financial year ending December 31, 2024. This announcement reflects the company’s financial performance and commitment to returning value to its shareholders, potentially impacting its market positioning and stakeholder relations.

Zuoli Kechuang Micro-finance Reports 2024 Annual Results with Decreased Profit

Zuoli Kechuang Micro-finance Co. Ltd. announced its audited annual results for the year ending December 31, 2024, showing a decrease in net interest income and profit compared to the previous year. The company’s total assets slightly decreased, while net assets increased, indicating a stronger equity position. The results reflect challenges in maintaining interest income and managing expenses, impacting overall profitability.