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Zuoli Kechuang Micro-finance Co. Ltd. Class H (6866) AI Stock Analysis
Zuoli Kechuang Micro-finance Co. Ltd. Class H
(HKEX:6866)
The stock’s solid score is driven mainly by strong margins, improving leverage, and recovered cash flows, reinforced by a low P/E and dividend yield above 5% that make valuation compelling. Technicals currently reflect a mild downtrend with oversold readings and very low beta, tempering upside expectations but suggesting limited downside risk and room for stabilization.
Zuoli Kechuang Micro-finance Co. Ltd. Class H (6866) vs. iShares MSCI Hong Kong ETF (EWH)
- Market Cap
- HKD 287.92M
- Dividend Yield
- 5.65%
- Average Volume (3M)
- 68.94K
- Price to Earnings (P/E)
- 4.5
- Beta (1Y)
- -0.06
- Revenue Growth
- -2.05%
- EPS Growth
- 14.16%
- Country
- Hong Kong
- Employees
- 63
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Credit Services
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 loans....
How the Company Makes Money
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Zuoli Kechuang Micro-finance Co. Ltd. Class H Financial Statement Overview
Summary
High gross and net margins, improving debt-to-equity, and recovered free cash flow indicate solid, stable financial health despite some revenue and cash flow volatility.
Income Statement
82Very PositiveBalance Sheet
88Very PositiveCash Flow
75Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 163.87M | 139.83M | 123.77M | 195.08M | 180.61M | 199.13M |
| Gross Profit | 162.64M | 148.54M | 123.77M | 195.08M | 208.27M | 251.94M |
| EBITDA | 111.74M | 118.71M | 96.77M | 137.37M | 140.73M | 181.41M |
| Net Income | 54.28M | 60.44M | 62.44M | 92.65M | 93.34M | 116.49M |
Balance Sheet | ||||||
| Total Assets | 2.56B | 2.56B | 2.58B | 2.66B | 2.79B | 2.65B |
| Cash, Cash Equivalents and Short-Term Investments | 29.74M | 23.51M | 10.52M | 17.48M | 16.59M | 42.68M |
| Total Debt | 426.87M | 435.14M | 463.26M | 596.46M | 761.88M | 649.97M |
| Total Liabilities | 492.20M | 516.72M | 537.41M | 654.60M | 826.12M | 722.59M |
| Stockholders Equity | 2.06B | 2.03B | 1.98B | 1.94B | 1.90B | 1.86B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 86.82M | 160.85M | 284.92M | -5.50M | 69.12M |
| Operating Cash Flow | 0 | 86.89M | 160.85M | 284.95M | -5.46M | 70.28M |
| Investing Cash Flow | 0 | 14.30M | 58.00K | 96.00K | -26.00K | 118.00K |
| Financing Cash Flow | 0 | -88.52M | -167.85M | -284.04M | -19.51M | -104.22M |
Zuoli Kechuang Micro-finance Co. Ltd. Class H Technical Analysis
Price Trends
Market Momentum
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 0.24 is below the 20-day moving average (MA) of 0.25, below the 50-day MA of 0.27, and below the 200-day MA of 0.32, indicating a bearish trend. The MACD of -0.01 indicates Negative momentum. The RSI at 44.23 is Neutral, neither overbought nor oversold. The STOCH value of 61.62 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
- HK:686679.75Outperform
HK:157775Outperform
HK:200353Neutral
HK:823945Neutral
HK:205138Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HK:6866 | 80Outperform | HKD 290.28M | 4.54 | 2.66% | 5.65% | -2.05% | 14.16% |
| HK:1577 | 75Outperform | HKD 727.60M | 6.19 | 7.71% | 5.37% | 92.42% | 2.11% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| HK:2003 | 53Neutral | HKD 554.16M | -0.62 | -19.32% | 21.93% | -32.03% | -235.24% |
| HK:8239 | 45Neutral | HKD 2.92B | -90.85 | -190.90% | ― | 31.07% | -57.47% |
| HK:2051 | 38Underperform | HKD 472.70M | -2.39 | -24.06% | ― | 33.07% | -135.86% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| HK:6866 | Zuoli Kechuang Micro-finance Co. Ltd. Class H | 0.25 | -0.04 | -15.17% | |
| HK:2051 | 51 Credit Card Inc. | 0.29 | -0.23 | -44.23% | |
| HK:1577 | Quanzhou Huixin Micro-credit Co., Ltd. Class H | 1.07 | 0.20 | 22.99% | |
| HK:1915 | Yangzhou Guangling District Taihe Rural Micro-finance Company Limited Class H | 0.27 | 0.00 | 0.00% | |
| HK:2003 | VCREDIT Holdings Limited | 1.14 | -1.76 | -60.69% | |
| HK:8239 | Capital Finance Holdings Limited | 3.73 | 2.51 | 204.99% |
Zuoli Kechuang Micro-finance Co. Ltd. Class H Corporate Events
Zuoli Kechuang Sets Board Meeting to Approve Third-Quarter Results
Zuoli Kechuang Company Limited, a PRC-incorporated joint stock company listed in Hong Kong under stock code 6866, operates in the micro-finance segment of the financial services industry. It provides credit and financing solutions and is governed by...
Zuoli Kechuang’s Interim Results Show Profit and EPS Decline Amid Softer Interest Income
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 commission...
Zuoli Kechuang Sets Board Meeting to Review Interim Results and Dividend
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 governance a...
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: Sep 24, 2026