FY Financial (Shenzhen) Co., Ltd. Class H (8452) AI Stock Analysis

FY Financial (Shenzhen) Co., Ltd. Class H

(HKEX:8452)

Select Model

Rating:46Neutral

Price Target:HKD 0.16▼(-29.55% Downside)

Action:reiterated

Date:08/29/26

The score is held down primarily by weak and volatile financial performance (recent losses and poor free cash flow) despite a low-leverage balance sheet. Technicals also lean bearish with the stock below key longer-term moving averages and negative MACD, while valuation is difficult to support due to negative earnings and no stated dividend yield.

Positive Factors

Very low leverageVery low leverage reduces balance-sheet pressure and leaves the company less exposed to interest costs or refinancing needs. This provides financial resilience while management works through earnings volatility and preserves capacity to support operations over the next several quarters.

Negative Factors

Sharp revenue contractionA sharp revenue decline weakens operating scale, reduces the base available to absorb fixed costs, and makes near-term earnings recovery less dependable. The reversal from the prior year’s rebound also shows that demand or business activity has not yet demonstrated consistent durability.

FY Financial (Shenzhen) Co., Ltd. Class H (8452) vs. iShares MSCI Hong Kong ETF (EWH)

Market Cap: HKD 79.05M
Dividend Yield: ―
Average Volume (3M): 101.25K
Price to Earnings (P/E): -1.3
Beta (1Y): 0.13
Revenue Growth: -76.61%
EPS Growth: -529.32%
Country: Hong Kong
Employees: 52
Sector: Financial
Sector Strength: 68
Industry: Financial - Credit Services

FY Financial (Shenzhen) Co., Ltd. Class H Business Overview & Revenue Model

Company Description

FY Financial (Shenzhen) Co., Ltd. functions as a financial services enterprise within the People's Republic of China, conducting its business through two main divisions. The Financial and Advisory Business segment delivers direct finance leasing and...

FY Financial (Shenzhen) Co., Ltd. Class H Financial Statement Overview

Summary

Overall fundamentals are weak: income statement performance has deteriorated into a large loss and revenue fell sharply most recently, while cash flow quality is poor with negative free cash flow in recent years and unstable cash conversion. The balance sheet is a relative bright spot with very low leverage and stable equity, but inconsistent/negative returns reduce confidence in durability.

Income Statement

34Negative

Balance Sheet

74Positive

Cash Flow

28Negative

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	35.40M	76.39M	133.07M	57.07M	29.50M	43.10M
Gross Profit	25.38M	31.30M	44.87M	17.35M	12.59M	34.36M
EBITDA	-40.94M	-29.47M	-4.93M	11.00M	-32.39M	19.85M
Net Income	-50.36M	-42.41M	-6.87M	4.75M	-29.50M	14.93M
Balance Sheet
Total Assets	490.40M	505.69M	557.54M	486.55M	511.63M	553.16M
Cash, Cash Equivalents and Short-Term Investments	25.93M	32.38M	26.08M	62.26M	182.95M	148.35M
Total Debt	9.91M	10.35M	10.55M	11.25M	8.78M	1.02M
Total Liabilities	106.02M	109.86M	115.28M	35.74M	60.94M	77.57M
Stockholders Equity	384.77M	393.61M	436.97M	443.85M	439.07M	475.59M
Cash Flow
Free Cash Flow	-9.45M	-77.93K	-33.05M	-96.75M	103.42M	300.55M
Operating Cash Flow	-8.75M	639.02K	-32.24M	-94.74M	108.28M	300.55M
Investing Cash Flow	9.62M	6.72M	-7.39M	-13.61M	-74.71M	29.53M
Financing Cash Flow	-1.46M	-1.24M	3.45M	-12.35M	1.03M	-323.75M

FY Financial (Shenzhen) Co., Ltd. Class H Technical Analysis

Technical Analysis SentimentPositive

Last Price0.22

Price Trends

50DMA0.22Positive

100DMA0.24Negative

200DMA0.28Negative

Market Momentum

MACD-0.00Negative

RSI50.89Neutral

STOCH25.00Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:8452, the sentiment is Positive. The current price of 0.22 is above the 20-day moving average (MA) of 0.22, above the 50-day MA of 0.22, and below the 200-day MA of 0.28, indicating a neutral trend. The MACD of -0.00 indicates Negative momentum. The RSI at 50.89 is Neutral, neither overbought nor oversold. The STOCH value of 25.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:8452.

FY Financial (Shenzhen) Co., Ltd. Class H Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

HK:8452 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HK:1577	74Outperform	HKD 727.60M	6.19	7.71%	5.37%	92.42%	2.11%
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:8452	46Neutral	HKD 79.05M	-1.28	-13.09%	―	-76.61%	-529.32%
HK:8239	45Neutral	HKD 2.92B	-90.85	-190.90%	―	31.07%	-57.47%
HK:2051	38Underperform	HKD 472.70M	-2.39	-24.06%	―	33.07%	-135.86%

* Financial Sector Average

Performance Comparison

HK:8452 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
HK:8452	FY Financial (Shenzhen) Co., Ltd. Class H	0.22	-0.06	-21.43%
HK:3903	Hanhua Financial Holding Co., Ltd. Class H	0.17	0.00	0.00%
HK:2051	51 Credit Card Inc.	0.29	-0.23	-44.23%
HK:1577	Quanzhou Huixin Micro-credit Co., Ltd. Class H	1.07	0.20	22.99%
HK:2003	VCREDIT Holdings Limited	1.14	-1.78	-60.96%
HK:8239	Capital Finance Holdings Limited	3.73	2.58	224.35%

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.

Date of analysis: Aug 29, 2026

FY Financial (Shenzhen) Co., Ltd. Class H AI Stock Analysis