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Baiying Holdings Group Ltd. (8525) AI Stock Analysis

HK:8525

Baiying Holdings Group Ltd.

(HKEX:8525)

Select Model
Rating:49Neutral
Price Target:HKD 0.56â–¼(-29.75% Downside)
Action:reiterated
Date:09/15/26

Weak financial performance and bearish technical signals are the primary drags on the score, partially offset by favorable valuation.

Positive Factors
Revenue and Profitability ReboundThe 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 HistoryRepeated 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.

Baiying Holdings Group Ltd. (8525) vs. iShares MSCI Hong Kong ETF (EWH)

-40%-30%-20%-10%0%10%20%HK:8525-5.88%EWH+7.37%Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26
Market Cap
HKD 216.00M
Dividend Yield
―
Average Volume (3M)
34.00K
Price to Earnings (P/E)
6.0
Beta (1Y)
-0.42
Revenue Growth
74.12%
EPS Growth
―
Country
Hong Kong
Employees
27
Sector
Financial
Sector Strength
68
Industry
Financial - Credit Services

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 business...

Baiying Holdings Group Ltd. Financial Statement Overview

Summary

Revenue recovery noted but profitability volatile with net losses in recent years; balance sheet shows stability with rising equity; cash flows improving yet highly inconsistent.

Income Statement

42Neutral

Balance Sheet

55Neutral

Cash Flow

38Negative
Financial statement breakdown
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue85.93M46.46M43.67M35.88M24.64M40.89M
Gross Profit60.91M25.66M43.67M35.88M24.64M36.59M
EBITDA31.31M16.53M19.76M-10.40M-11.68M-8.19M
Net Income25.48M6.97M-17.39M-16.20M-26.32M-7.09M
Balance Sheet
Total Assets543.11M385.43M376.86M278.82M318.96M357.40M
Cash, Cash Equivalents and Short-Term Investments45.32M37.90M19.73M13.65M70.23M19.34M
Total Debt226.49M93.44M31.31M10.10M31.45M29.10M
Total Liabilities264.13M121.75M155.31M39.89M63.87M75.77M
Stockholders Equity276.86M261.45M219.13M236.56M252.79M279.40M
Cash Flow
Free Cash Flow-77.20M29.90M-141.47M-25.68M41.84M4.48M
Operating Cash Flow-74.53M32.60M-109.81M-21.26M71.33M51.03M
Investing Cash Flow-130.85M-86.32M-599.33K-11.36M-21.17M-35.10M
Financing Cash Flow229.56M67.96M116.53M-23.80M1.02M-23.07M

Baiying Holdings Group Ltd. Technical Analysis

Technical Analysis SentimentNegative
Last Price0.80

Price Trends

50DMA0.81Negative
100DMA0.83Negative
200DMA0.84Negative

Market Momentum

MACD-0.00Negative
RSI47.51Neutral
STOCH100.00Negative

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 0.80 is above the 20-day moving average (MA) of 0.80, below the 50-day MA of 0.81, and below the 200-day MA of 0.84, indicating a neutral trend. The MACD of -0.00 indicates Negative momentum. The RSI at 47.51 is Neutral, neither overbought nor oversold. The STOCH value of 100.00 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

Overall Rating

UnderperformOutperform
Sector (68)

Financial Indicators

HK:8525 against its peers
NameOverall RatingMarket CapP/E RatioROEDividend YieldRevenue GrowthEPS Growth
HK:1577HK:157774OutperformHKD 727.60M6.197.71%5.37%92.42%2.11%
Sector *68Neutral$18.00B11.429.92%3.81%9.73%1.22%
HK:6866HK:686658NeutralHKD 290.28M4.542.66%5.65%-2.05%14.16%
HK:2003HK:200353NeutralHKD 554.16M-0.62-19.32%21.93%-32.03%-235.24%
HK:8525HK:852549NeutralHKD 216.00M6.0410.37%―74.12%―
HK:8239HK:823945NeutralHKD 2.92B-90.85-190.90%―31.07%-57.47%
HK:2051HK:205138UnderperformHKD 472.70M-2.39-24.06%―33.07%-135.86%

* Financial Sector Average

Performance Comparison

0%100%200%HK:8525HK:2051HK:1577HK:2003HK:6866HK:8239Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26
HK:8525 and its peers over the selected period
Show on chartTickerCompany NamePriceChange% Change
HK:8525Baiying Holdings Group Ltd.0.80-0.05-5.88%
HK:205151 Credit Card Inc.0.29-0.23-44.23%
HK:1577Quanzhou Huixin Micro-credit Co., Ltd. Class H1.070.2022.99%
HK:2003VCREDIT Holdings Limited1.14-1.78-60.96%
HK:6866Zuoli Kechuang Micro-finance Co. Ltd. Class H0.25-0.04-15.17%
HK:8239Capital Finance Holdings Limited3.732.58224.35%
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: Sep 15, 2026