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Easy Repay Finance & Investment Limited (HK:8079)
:8079
Hong Kong Market

Easy Repay Finance & Investment Limited (8079) AI Stock Analysis

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HK

Easy Repay Finance & Investment Limited

(8079)

24Underperform
Easy Repay Finance & Investment Limited is facing severe financial challenges, with persistent losses and negative cash flow indicating operational inefficiencies. The technical analysis shows downward momentum, and the valuation metrics are unfavorable. Without substantial operational improvements, the outlook remains bleak.

Easy Repay Finance & Investment Limited (8079) vs. S&P 500 (SPY)

Easy Repay Finance & Investment Limited Business Overview & Revenue Model

Company DescriptionEasy Repay Finance & Investment Limited (8079) is a financial services company based in Hong Kong, specializing in consumer finance and investment services. The company offers a range of financial products including personal loans, property mortgage loans, and investment services designed to meet the needs of individuals and small businesses.
How the Company Makes MoneyEasy Repay Finance & Investment Limited generates revenue primarily through interest income on the loans it provides to customers. The company offers personal loans and mortgage loans, charging interest rates that vary based on the loan amount, duration, and customer credit profile. Additionally, the company may earn fees from its investment services, which include advisory and brokerage services, although detailed revenue contributions from these activities are not specified. The company's earnings are influenced by factors such as prevailing interest rates, credit risk management, and economic conditions in its operating regions.

Easy Repay Finance & Investment Limited Financial Statement Overview

Summary
Income Statement
Balance Sheet
Cash Flow
Breakdown
Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020
Income StatementTotal Revenue
53.32M71.40M98.27M115.37M116.11M
Gross Profit
-2.50M30.28M37.76M53.12M66.21M
EBIT
-69.60M-46.32M-55.53M-86.51M-62.88M
EBITDA
-105.00M-40.90M-50.97M-84.99M-53.21M
Net Income Common Stockholders
-114.40M-54.10M-64.32M-94.70M-63.94M
Balance SheetCash, Cash Equivalents and Short-Term Investments
9.98M58.39M52.15M68.15M47.68M
Total Assets
86.85M188.73M225.13M278.69M378.80M
Total Debt
5.93M8.12M15.21M4.16M4.52M
Net Debt
1.02M-17.70M-6.48M-40.37M-42.92M
Total Liabilities
14.29M17.02M21.76M11.00M15.70M
Stockholders Equity
72.80M171.71M203.37M267.69M360.72M
Cash FlowFree Cash Flow
-29.74M-6.93M-7.25M13.81M28.69M
Operating Cash Flow
-28.07M-244.00K-195.00K23.15M29.71M
Investing Cash Flow
-3.08M-8.42M-19.17M-19.75M-6.35M
Financing Cash Flow
10.24M12.80M-3.48M-6.32M-10.21M

Easy Repay Finance & Investment Limited Technical Analysis

Technical Analysis Sentiment
Negative
Last Price0.36
Price Trends
50DMA
0.37
Negative
100DMA
0.39
Negative
200DMA
0.44
Negative
Market Momentum
MACD
<0.01
Negative
RSI
46.84
Neutral
STOCH
57.22
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:8079, the sentiment is Negative. The current price of 0.36 is above the 20-day moving average (MA) of 0.36, below the 50-day MA of 0.37, and below the 200-day MA of 0.44, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 46.84 is Neutral, neither overbought nor oversold. The STOCH value of 57.22 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:8079.

Easy Repay Finance & Investment Limited Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
68
Neutral
$625.40M4.7511.10%21.38%-16.05%-41.16%
67
Neutral
HK$149.40M3.225.67%7.22%7.06%-11.84%
66
Neutral
HK$72.65B38.276.14%1.48%7.63%-24.23%
64
Neutral
€12.02B2.925.66%8.01%-1.03%0.43%
64
Neutral
$12.82B9.877.67%17000.34%12.39%-5.85%
46
Neutral
HK$68.64M-1.92%20.02%90.55%
24
Underperform
HK$11.20M-93.49%-10.34%-130.73%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
HK:8079
Easy Repay Finance & Investment Limited
0.36
-0.32
-47.06%
HK:0333
Top Form International Limited
0.23
-0.11
-32.35%
HK:1273
Hong Kong Finance Group Ltd.
0.36
0.06
20.00%
HK:1177
Sino Biopharmaceutical
4.18
1.30
45.09%
HK:1578
Bank of Tianjin Co., Ltd. Class H
1.93
0.25
15.02%
HK:0869
Playmates Toys
0.54
-0.05
-8.01%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.