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Easy Repay Finance & Investment Limited
(8079)
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Rating:41Neutral
Price Target:
HK$0.51
▲(23.41% Upside)
Action:Reiterated
Date:11/28/25
The overall stock score is primarily driven by the company's poor financial performance and weak technical indicators. The negative P/E ratio and lack of dividend yield further weigh down the valuation score. The absence of earnings call data and corporate events leaves the financial and technical analysis as the main determinants of the score.
Positive Factors
Conservative Leverage
A relatively low debt-to-equity ratio provides durable financial flexibility: it reduces solvency risk, preserves borrowing capacity for restructuring or investment, and gives management time to execute turnaround plans without immediate refinancing pressure.
Negative Factors
Declining Revenue Trend
A material, multi-year revenue decline weakens the business moat: shrinking sales reduce operating leverage, constrain reinvestment, and signal either demand loss or competitive pressure that will challenge any recovery over the next several months.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Leverage
A relatively low debt-to-equity ratio provides durable financial flexibility: it reduces solvency risk, preserves borrowing capacity for restructuring or investment, and gives management time to execute turnaround plans without immediate refinancing pressure.
Read all positive factors
Easy Repay Finance & Investment Limited (8079) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$20.70M
Dividend YieldN/A
Average Volume (3M)228.63K
Price to Earnings (P/E)―
Beta (1Y)0.41
Revenue Growth9.48%
EPS Growth92.74%
CountryHK
Employees42
SectorConsumer Defensive
Sector Strength42
IndustryGrocery Stores
Share Statistics
EPS (TTM)-0.15
Shares Outstanding36,637,200
10 Day Avg. Volume14,300
30 Day Avg. Volume228,632
Financial Highlights & Ratios
PEG Ratio0.05
Price to Book (P/B)0.56
Price to Sales (P/S)0.32
P/FCF Ratio0.00
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
Easy Repay Finance & Investment Limited Business Overview & Revenue Model
Company Description
Wisdomcome Group Holdings Limited engages in a diverse array of business activities, primarily focused on money lending services, investments in financial instruments and publicly traded equities, as well as retail and wholesale trade. The company...
How the Company Makes Money
null...
Easy Repay Finance & Investment Limited Financial Statement Overview
Summary
Income Statement
30
Negative
Balance Sheet
45
Neutral
Cash Flow
40
Negative
| Breakdown | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 45.50M | 41.56M | 53.32M | 71.40M | 98.27M |
| Gross Profit | 21.81M | 12.76M | -2.50M | 30.28M | 37.76M |
| EBITDA | -526.00K | -43.49M | -105.00M | -40.90M | -50.97M |
| Net Income | -3.46M | -45.42M | -114.40M | -54.10M | -64.32M |
Balance Sheet | |||||
| Total Assets | 38.51M | 41.91M | 86.85M | 188.73M | 225.13M |
| Cash, Cash Equivalents and Short-Term Investments | 7.09M | 4.11M | 9.98M | 58.39M | 52.15M |
| Total Debt | 4.51M | 4.27M | 5.93M | 11.10M | 15.21M |
| Total Liabilities | 13.28M | 13.17M | 14.29M | 17.02M | 21.76M |
| Stockholders Equity | 26.07M | 29.53M | 72.80M | 171.71M | 203.37M |
Cash Flow | |||||
| Free Cash Flow | 0.00 | -2.20M | -29.74M | -6.93M | -7.25M |
| Operating Cash Flow | 0.00 | 6.49M | -28.07M | -244.00K | -195.00K |
| Investing Cash Flow | 0.00 | -5.49M | -3.08M | -8.42M | -19.17M |
| Financing Cash Flow | 0.00 | -1.95M | 10.24M | 12.80M | -3.48M |
Easy Repay Finance & Investment Limited Technical Analysis
Negative
0.41
Price Trends
0.67
Negative
0.60
Negative
0.53
Positive
Market Momentum
-0.03
Positive
38.79
Neutral
42.12
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 0.41 is below the 20-day moving average (MA) of 0.61, below the 50-day MA of 0.67, and below the 200-day MA of 0.53, indicating a neutral trend. The MACD of -0.03 indicates Positive momentum. The RSI at 38.79 is Neutral, neither overbought nor oversold. The STOCH value of 42.12 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
UnderperformOutperform
Sector (62)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
62 Neutral | $20.33B | 14.63 | -3.31% | 3.23% | 1.93% | -12.26% | |
55 Neutral | HK$201.22M | 50.95 | 0.45% | ― | -3.94% | 63.37% | |
43 Neutral | HK$329.70M | -1.71 | -19.78% | ― | -26.99% | 32.52% | |
41 Neutral | HK$20.70M | -3.54 | -12.51% | ― | 9.48% | 92.74% | |
40 Underperform | HK$199.23M | -0.34 | -627.17% | ― | 112.42% | -158.57% | |
37 Underperform | HK$748.51M | -15.62 | -8.05% | ― | 16.02% | 48.96% |
* Consumer Defensive Sector Average
HK:8079
Easy Repay Finance & Investment Limited
0.57
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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.