Want to see HK:8079 full AI Analyst Report?
Easy Repay Finance & Investment Limited (8079) AI Stock Analysis
Top Page
Easy Repay Finance & Investment Limited
(HKEX:8079)
HK:8079 represents a highly distressed investment opportunity with significant structural challenges. Financial performance is the primary concern, driving the overall assessment: the company faces sustained revenue contraction, persistent net losses with negative margins exceeding -100%, and accelerating equity depletion. Free cash flow remains deeply negative despite marginal operating improvements, indicating the company cannot fund operations or service obligations from internal cash generation. Valuation offers no support—negative earnings eliminate meaningful P/E analysis, and the absence of dividends removes income justification for the stock price. Technical analysis reinforces downtrend risks, with price action below all major moving averages and negative MACD momentum, though oversold RSI/Stochastic readings suggest near-term bounce potential. The combination of fundamental deterioration, uninvestable valuation metrics, and negative technical momentum creates a high-risk profile appropriate only for speculative or distressed-debt investors. Current operations are unsustainable without significant strategic intervention.
Easy Repay Finance & Investment Limited (8079) vs. iShares MSCI Hong Kong ETF (EWH)
- Market Cap
- HKD 11.39M
- Dividend Yield
- ―
- Average Volume (3M)
- 160.97K
- Price to Earnings (P/E)
- -1.9
- Beta (1Y)
- -0.11
- Revenue Growth
- 9.48%
- EPS Growth
- 92.74%
- Country
- Hong Kong
- Employees
- 42
- Sector
- Consumer Defensive
- Sector Strength
- 62
- Industry
- Grocery Stores
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's...
How the Company Makes Money
null
Easy Repay Finance & Investment Limited Financial Statement Overview
Summary
The company exhibits critical financial weakness across all dimensions. Revenue has contracted for five consecutive years, declining 14.7% TTM with deeply negative net profit margins of -109.3% TTM. Net losses persist consistently, EBIT and EBITDA margins are severely negative, and equity has eroded from $360.7M to $29.5M. Free cash flow remains negative at -$2.2M despite modest recent operating cash flow improvement. This reflects fundamental operational distress with minimal signs of recovery.
Income Statement
11Very NegativeBalance Sheet
24NegativeCash Flow
22Negative| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 56.33M | 45.50M | 41.56M | 53.32M | 71.40M | 115.37M |
| Gross Profit | 25.27M | 21.81M | 12.76M | -2.50M | 19.74M | 53.12M |
| EBITDA | -32.48M | -526.00K | -43.49M | -105.00M | -40.90M | -84.99M |
| Net Income | -35.95M | -3.46M | -45.42M | -114.40M | -54.10M | -93.95M |
Balance Sheet | ||||||
| Total Assets | 38.51M | 38.51M | 41.91M | 86.85M | 188.73M | 278.69M |
| Cash, Cash Equivalents and Short-Term Investments | 12.40M | 7.09M | 4.11M | 9.98M | 58.39M | 68.15M |
| Total Debt | 4.51M | 4.51M | 4.27M | 5.93M | 11.10M | 4.16M |
| Total Liabilities | 13.28M | 13.28M | 13.17M | 14.29M | 17.02M | 11.00M |
| Stockholders Equity | 26.07M | 26.07M | 29.53M | 72.80M | 171.71M | 267.69M |
Cash Flow | ||||||
| Free Cash Flow | 8.71M | 0 | -2.20M | -29.74M | -6.93M | 13.81M |
| Operating Cash Flow | 13.05M | 0 | 6.49M | -28.07M | -244.00K | 23.15M |
| Investing Cash Flow | -4.12M | 0 | -5.49M | -3.08M | -8.42M | -19.75M |
| Financing Cash Flow | -3.40M | 0 | -1.95M | 10.24M | 12.80M | -6.32M |
Easy Repay Finance & Investment Limited Technical Analysis
Price Trends
Market Momentum
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 0.30 is below the 20-day moving average (MA) of 0.40, below the 50-day MA of 0.50, and below the 200-day MA of 0.53, indicating a bearish trend. The MACD of -0.06 indicates Positive momentum. The RSI at 21.35 is Positive, neither overbought nor oversold. The STOCH value of 18.80 is Positive, 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
HK:156362Neutral
HK:094343Neutral
HK:087542Neutral
HK:115233Underperform- HK:807930Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| Sector * | 62Neutral | $20.33B | 14.63 | -3.31% | 3.23% | 1.93% | -12.26% |
| HK:1563 | 62Neutral | HKD 202.91M | 3.98 | 1.77% | ― | -3.94% | 63.37% |
| HK:0943 | 43Neutral | HKD 372.97M | -3.43 | -18.47% | ― | -39.96% | 80.09% |
| HK:0875 | 42Neutral | HKD 306.18M | -0.43 | -627.17% | ― | 112.42% | -158.57% |
| HK:1152 | 33Underperform | HKD 725.15M | -14.74 | -8.05% | ― | 16.02% | 48.96% |
| HK:8079 | 30Underperform | HKD 11.39M | -1.91 | -12.57% | ― | 9.48% | 92.74% |
* Consumer Defensive Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| HK:8079 | Easy Repay Finance & Investment Limited | 0.30 | -0.16 | -33.70% | |
| HK:0943 | Zhongzheng International Company Limited | 0.18 | -0.00 | -1.63% | |
| HK:2371 | China Chuanglian Education Financial Group Limi ted | 0.16 | -0.17 | -51.52% | |
| HK:0875 | China Finance Investment Holdings Limited | 0.36 | -1.48 | -80.16% | |
| HK:1152 | Momentum Financial Holdings Limited | 0.20 | -0.13 | -39.70% | |
| HK:1563 | International Alliance Financial Leasing Co., Ltd. | 0.12 | -0.07 | -36.84% |
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: Nov 28, 2025