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Capital Finance Holdings Limited (8239) AI Stock Analysis
Capital Finance Holdings Limited
(HKEX:8239)
The score is held down primarily by weak financial performance—persistent losses and a sharp TTM cash flow reversal with significant operating cash burn—despite some deleveraging progress. Technicals are strong but extremely overextended (very high RSI), and valuation is penalized by negative earnings (negative P/E) with no dividend yield provided.
Capital Finance Holdings Limited (8239) vs. iShares MSCI Hong Kong ETF (EWH)
- Market Cap
- HKD 2.92B
- Dividend Yield
- ―
- Average Volume (3M)
- 1.10M
- Price to Earnings (P/E)
- -90.8
- Beta (1Y)
- 0.22
- Revenue Growth
- 31.07%
- EPS Growth
- -57.47%
- Country
- Hong Kong
- Employees
- 37
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Credit Services
Capital Finance Holdings Limited Business Overview & Revenue Model
Company Description
Operating as an investment holding company, Capital Finance Holdings Limited provides diverse short-term financial solutions throughout mainland China and Hong Kong. Its service portfolio encompasses pawn loans, entrusted lending arrangements, micro-...
Capital Finance Holdings Limited Financial Statement Overview
Summary
Revenue improved in TTM (+5.6% to 54.6M), but profitability remains weak with a net loss (30.8M) and negative EBIT/EBITDA. Leverage has improved (debt-to-equity ~2.5x vs ~6.8x in 2025), yet equity is still modest versus debt and ROE is strongly negative. The biggest concern is cash flow: operating cash flow fell to -105.3M and free cash flow to -34.9M, indicating elevated funding/liquidity risk.
Income Statement
33NegativeBalance Sheet
38NegativeCash Flow
22Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 54.61M | 41.76M | 18.86M | 36.23M | 1.51M | 2.16M |
| Gross Profit | 24.50M | 23.20M | 13.61M | 33.63M | -24.17M | -37.41M |
| EBITDA | -9.95M | 2.57M | -8.28M | 6.00M | 26.37M | 33.44M |
| Net Income | -30.84M | -31.93M | -16.91M | -8.82M | -7.63M | -19.02M |
Balance Sheet | ||||||
| Total Assets | 197.11M | 132.99M | 155.65M | 219.25M | 294.86M | 416.50M |
| Cash, Cash Equivalents and Short-Term Investments | 92.13M | 97.26M | 72.24M | 93.18M | 105.73M | 101.53M |
| Total Debt | 152.62M | 74.11M | 76.30M | 117.17M | 180.27M | 286.82M |
| Total Liabilities | 161.47M | 89.37M | 83.50M | 129.74M | 193.54M | 298.64M |
| Stockholders Equity | 21.45M | 10.86M | 39.52M | 51.14M | 60.25M | 75.00M |
Cash Flow | ||||||
| Free Cash Flow | -34.93M | 27.31M | 22.76M | 52.68M | 88.62M | 36.87M |
| Operating Cash Flow | -105.30M | 27.34M | 23.03M | 52.84M | 88.70M | 37.01M |
| Investing Cash Flow | -130.50K | 2.03M | -273.00K | 2.82M | 11.93M | 8.48M |
| Financing Cash Flow | 112.24M | -6.16M | -41.12M | -65.16M | -85.48M | -92.01M |
Capital Finance Holdings Limited Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:8239, the sentiment is Positive. The current price of 3.73 is above the 20-day moving average (MA) of 3.48, above the 50-day MA of 3.06, and above the 200-day MA of 2.17, indicating a bullish trend. The MACD of 0.18 indicates Negative momentum. The RSI at 83.20 is Negative, neither overbought nor oversold. The STOCH value of 81.88 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:8239.
Capital Finance Holdings Limited Peers Comparison
Overall Rating
HK:090074Outperform
HK:200353Neutral- HK:823945Neutral
HK:062844Neutral
HK:205138Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HK:0900 | 74Outperform | HKD 3.66B | 7.48 | 10.90% | 6.97% | 4.43% | 6.41% |
| 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:0628 | 44Neutral | HKD 1.27B | 10.83 | 3.61% | ― | 26.14% | 90.63% |
| 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:8239 | Capital Finance Holdings Limited | 3.73 | 2.58 | 224.35% | |
| HK:0628 | Gome Finance Technology Co | 0.24 | 0.02 | 6.99% | |
| HK:2051 | 51 Credit Card Inc. | 0.29 | -0.23 | -44.23% | |
| HK:0900 | AEON Credit Service (Asia) Co., Ltd. | 8.75 | 1.70 | 24.13% | |
| HK:2003 | VCREDIT Holdings Limited | 1.14 | -1.78 | -60.96% | |
| HK:3660 | Qfin Holdings Inc | 20.58 | -62.24 | -75.15% |
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: Oct 08, 2026