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Capital Finance Holdings Limited
(8239)
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Rating:45Neutral
Price Target:
HK$26.00
▲(171.40% Upside)
Action:Reiterated
Date:10/08/26
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.
Positive Factors
Revenue Recovery
The improvement in trailing-twelve-month revenue indicates that the company is still generating top-line growth despite weak profitability. Continued revenue expansion could provide a broader base for operating leverage and support recovery efforts if management can control costs and improve earnings conversion.
Negative Factors
Persistent Losses
The company is not currently converting revenue and gross profit into sustainable operating earnings. Persistent net losses alongside negative EBIT and EBITDA weaken retained capital, limit internally funded growth, and make improvement dependent on a successful turnaround in operating performance.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Recovery
The improvement in trailing-twelve-month revenue indicates that the company is still generating top-line growth despite weak profitability. Continued revenue expansion could provide a broader base for operating leverage and support recovery efforts if management can control costs and improve earnings conversion.
Read all positive factors
Capital Finance Holdings Limited (8239) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$329.97M
Dividend YieldN/A
Average Volume (3M)154.14K
Price to Earnings (P/E)―
Beta (1Y)0.26
Revenue Growth31.07%
EPS Growth-57.47%
CountryHK
Employees37
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-0.33
Shares Outstanding97,768,960
10 Day Avg. Volume90,691
30 Day Avg. Volume154,140
Financial Highlights & Ratios
PEG Ratio-0.38
Price to Book (P/B)88.99
Price to Sales (P/S)23.14
P/FCF Ratio35.39
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
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, mic...
Capital Finance Holdings Limited Financial Statement Overview
Summary
Income Statement
33
Negative
Balance Sheet
38
Negative
Cash Flow
22
Negative
| 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 | -10.10M | 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
Positive
9.58
Price Trends
3.23
Positive
2.71
Positive
2.11
Positive
Market Momentum
2.09
Negative
99.77
Negative
77.88
Neutral
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 9.58 is above the 20-day moving average (MA) of 4.20, above the 50-day MA of 3.23, and above the 200-day MA of 2.11, indicating a bullish trend. The MACD of 2.09 indicates Negative momentum. The RSI at 99.77 is Negative, neither overbought nor oversold. The STOCH value of 77.88 is Neutral, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | HK$3.79B | 7.75 | 10.90% | 6.74% | 4.43% | 6.41% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
54 Neutral | HK$1.35B | 11.79 | 3.61% | 12.05% | 26.14% | 90.63% | |
54 Neutral | HK$570.49M | -2.78 | -24.06% | ― | 33.07% | -135.86% | |
53 Neutral | HK$593.05M | -0.67 | -19.32% | 20.49% | -32.03% | -235.24% | |
45 Neutral | HK$329.97M | -82.17 | -190.90% | ― | 31.07% | -57.47% |
* Financial Sector Average
HK:8239
Capital Finance Holdings Limited
27.00
25.94
2442.37%
HK:0628
Gome Finance Technology Co
0.27
0.04
15.72%
HK:2051
51 Credit Card Inc.
0.34
-0.52
-61.05%
HK:0900
AEON Credit Service (Asia) Co., Ltd.
9.07
2.07
29.63%
HK:2003
VCREDIT Holdings Limited
1.22
-2.12
-63.47%
HK:3660
Qfin Holdings
25.36
-74.69
-74.65%
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.