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Baiying Holdings Group Ltd.
(8525)
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Rating:54Neutral
Price Target:
HK$0.58
▼(-32.24% Downside)
Action:Reiterated
Date:09/15/26
The score is driven primarily by improving financial performance in 2025 and a conservatively levered balance sheet, but tempered by historically volatile earnings and especially unstable cash flows. Technical indicators are the main drag, with price below major moving averages and negative MACD despite oversold readings. Valuation is supportive due to a low P/E, but no dividend yield data is available.
Positive Factors
Revenue and Profitability Rebound
The sharp 2025 revenue rebound and return to a positive net margin indicate renewed business activity and improved operating economics. If maintained, this recovery can rebuild earnings capacity, support internal funding, and strengthen the company’s position over the next several quarters.
Negative Factors
Highly Volatile Earnings History
Repeated losses across 2021–2024 show that profitability has not yet demonstrated a stable multi-year pattern. This history makes the 2025 improvement harder to underwrite, because future earnings may remain sensitive to business conditions and could weaken before a durable profit base is established.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and Profitability Rebound
The sharp 2025 revenue rebound and return to a positive net margin indicate renewed business activity and improved operating economics. If maintained, this recovery can rebuild earnings capacity, support internal funding, and strengthen the company’s position over the next several quarters.
Read all positive factors
Baiying Holdings Group Ltd. (8525) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$216.00M
Dividend Yield4.3%
Average Volume (3M)933.00
Price to Earnings (P/E)5.9
Beta (1Y)-0.36
Revenue Growth74.12%
EPS GrowthN/A
CountryHK
Employees27
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.07
Shares Outstanding270,000,000
10 Day Avg. Volume2,800
30 Day Avg. Volume933
Financial Highlights & Ratios
PEG Ratio-0.21
Price to Book (P/B)0.79
Price to Sales (P/S)4.44
P/FCF Ratio6.89
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
Baiying Holdings Group Ltd. Business Overview & Revenue Model
Company Description
Operating as a finance leasing specialist, Baiying Holdings Group Limited delivers equipment-centric financial solutions to a diverse clientele within the People's Republic of China, encompassing small and medium-sized businesses, individual busin...
Baiying Holdings Group Ltd. Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
68
Positive
Cash Flow
45
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 68.89M | 46.46M | 43.67M | 35.88M | 26.49M | 36.59M |
| Gross Profit | 43.87M | 25.66M | 43.67M | 33.36M | 26.49M | 36.59M |
| EBITDA | 31.31M | 16.53M | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income | 17.70M | 6.97M | -17.39M | -16.20M | -26.32M | -7.09M |
Balance Sheet | ||||||
| Total Assets | 543.11M | 385.43M | 376.86M | 278.82M | 318.96M | 357.40M |
| Cash, Cash Equivalents and Short-Term Investments | 45.32M | 37.90M | 19.73M | 13.65M | 70.23M | 19.34M |
| Total Debt | 226.49M | 93.44M | 31.31M | 10.10M | 31.45M | 29.10M |
| Total Liabilities | 264.13M | 121.75M | 155.31M | 39.89M | 63.87M | 75.77M |
| Stockholders Equity | 276.86M | 261.45M | 219.13M | 236.56M | 252.79M | 279.40M |
Cash Flow | ||||||
| Free Cash Flow | -16.87M | 29.90M | -141.47M | -25.68M | 41.84M | 4.48M |
| Operating Cash Flow | -14.21M | 32.60M | -109.81M | -21.26M | 71.33M | 51.03M |
| Investing Cash Flow | -132.33M | -86.32M | -599.33K | -11.36M | -21.17M | -35.10M |
| Financing Cash Flow | 165.55M | 67.96M | 116.53M | -23.80M | 1.02M | -23.07M |
Baiying Holdings Group Ltd. Technical Analysis
Negative
0.85
Price Trends
0.84
Negative
0.85
Negative
0.85
Negative
Market Momentum
-0.02
Positive
47.27
Neutral
83.19
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:8525, the sentiment is Negative. The current price of 0.85 is above the 20-day moving average (MA) of 0.83, above the 50-day MA of 0.84, and above the 200-day MA of 0.85, indicating a bearish trend. The MACD of -0.02 indicates Positive momentum. The RSI at 47.27 is Neutral, neither overbought nor oversold. The STOCH value of 83.19 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:8525.
Baiying Holdings Group Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | HK$707.20M | 6.10 | 7.71% | 5.53% | 93.55% | 2.11% | |
68 Neutral | HK$330.40M | 4.84 | 2.66% | 4.96% | -2.05% | 14.16% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
54 Neutral | HK$216.00M | 5.86 | 8.54% | 4.30% | 74.12% | ― | |
54 Neutral | HK$668.29M | -3.65 | -24.06% | ― | 33.07% | -135.86% | |
53 Neutral | HK$447.21M | -0.60 | -19.32% | 22.73% | -32.03% | -235.24% | |
49 Neutral | HK$2.10B | -65.79 | -190.90% | ― | 31.07% | -57.85% |
* Financial Sector Average
HK:8525
Baiying Holdings Group Ltd.
0.80
-0.05
-5.88%
HK:2051
51 Credit Card Inc.
0.44
-0.26
-37.14%
HK:1577
Quanzhou Huixin Micro-credit Co., Ltd. Class H
1.04
0.24
29.19%
HK:2003
VCREDIT Holdings Limited
1.10
-2.18
-66.46%
HK:6866
Zuoli Kechuang Micro-finance Co. Ltd. Class H
0.26
-0.04
-13.33%
HK:8239
Capital Finance Holdings Limited
21.62
14.32
196.16%
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.