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Zuoli Kechuang Micro-finance Co. Ltd. Class H
(6866)
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Rating:65Neutral
Price Target:
HK$0.26
▼(-6.79% Downside)
Action:Reiterated
Date:09/24/26
The score is driven primarily by solid but mixed financial performance—strong profitability and conservative leverage offset by weaker ROE and volatile operating cash flow. Valuation is a clear positive with a low P/E and high dividend yield, while technicals materially detract due to a downtrend and weak momentum readings.
Positive Factors
Strong Profitability
Persistently strong gross, operating, and net margins indicate an economically attractive lending business with substantial profitability at multiple stages. This provides internal funding capacity, supports resilience through revenue fluctuations, and can help sustain shareholder returns over the next several quarters.
Negative Factors
Low Return on Equity
Recent returns on equity are materially below earlier levels, showing that the company is generating less profit from its capital base despite a sizable equity cushion. Persistently weaker capital efficiency could constrain shareholder value creation and indicate that balance-sheet strength is not translating fully into earnings.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Profitability
Persistently strong gross, operating, and net margins indicate an economically attractive lending business with substantial profitability at multiple stages. This provides internal funding capacity, supports resilience through revenue fluctuations, and can help sustain shareholder returns over the next several quarters.
Read all positive factors
Zuoli Kechuang Micro-finance Co. Ltd. Class H (6866) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$290.28M
Dividend Yield5.7%
Average Volume (3M)58.00K
Price to Earnings (P/E)4.5
Beta (1Y)-0.06
Revenue Growth-2.05%
EPS Growth14.16%
CountryHK
Employees63
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.05
Shares Outstanding300,000,000
10 Day Avg. Volume106,000
30 Day Avg. Volume58,000
Financial Highlights & Ratios
PEG Ratio-1.61
Price to Book (P/B)0.15
Price to Sales (P/S)2.24
P/FCF Ratio3.60
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
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
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Zuoli Kechuang Micro-finance Co. Ltd. Class H Financial Statement Overview
Summary
Income Statement
73
Positive
Balance Sheet
66
Positive
Cash Flow
57
Neutral
| 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 | 0.00 | 86.82M | 160.85M | 284.92M | -5.50M | 69.12M |
| Operating Cash Flow | 0.00 | 86.89M | 160.85M | 284.95M | -5.46M | 70.28M |
| Investing Cash Flow | 0.00 | 14.30M | 58.00K | 96.00K | -26.00K | 118.00K |
| Financing Cash Flow | 0.00 | -88.52M | -167.85M | -284.04M | -19.51M | -104.22M |
Zuoli Kechuang Micro-finance Co. Ltd. Class H Technical Analysis
Negative
0.28
Price Trends
0.27
Negative
0.29
Negative
0.32
Negative
Market Momentum
>-0.01
Negative
27.88
Positive
54.68
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 above the 20-day moving average (MA) of 0.25, above 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 27.88 is Positive, neither overbought nor oversold. The STOCH value of 54.68 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | HK$727.60M | 6.20 | 7.71% | 5.37% | 92.42% | 2.11% | |
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% | |
54 Neutral | HK$472.70M | -2.39 | -24.06% | ― | 33.07% | -135.86% | |
53 Neutral | HK$554.16M | -0.62 | -19.32% | 21.74% | -32.03% | -235.24% | |
45 Neutral | HK$2.92B | -90.85 | -190.90% | ― | 31.07% | -57.47% |
* Financial Sector Average
HK:6866
Zuoli Kechuang Micro-finance Co. Ltd. Class H
0.25
-0.04
-15.17%
HK:2051
51 Credit Card Inc.
0.29
-0.25
-46.30%
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
-1.73
-60.28%
HK:8239
Capital Finance Holdings Limited
3.73
2.38
176.30%
Zuoli Kechuang Micro-finance Co. Ltd. Class H Corporate Events
Zuoli Kechuang Sets Board Meeting to Approve Third-Quarter Results
Oct 15, 2026
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 ...
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...
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.