Yangzijiang Financial Holding Ltd. (YF8) AI Stock Analysis

• Market Cap: S$4.25B
• Dividend Yield: 2.83%
• Average Volume (3M): 18.54M
• Price to Earnings (P/E): 12.5
• Beta (1Y): 0.88
• Revenue Growth: -9.47%
• EPS Growth: 131.72%
• Country: SG
• Employees: 69
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 0.04
• Shares Outstanding: 3,480,450,400
• 10 Day Avg. Volume: 26,239,270
• 30 Day Avg. Volume: 18,538,323
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: S$1.00
• Price Target Upside: -18.03% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 63 Neutral
• Price Target: S$1.00 ▼(-18.03% Downside)

Yangzijiang Financial Holding Ltd. scores moderately due to its strong financial performance and attractive valuation. However, bearish technical indicators suggest caution, as the stock appears overbought. The company's strong balance sheet and profitability are significant positives, but attention to cash flow management is advised.

Yangzijiang Financial Holding Ltd. Business Overview & Revenue Model

Company Description

Yangzijiang Financial Holding Ltd., an investment holding company, engages in the investment-related activities in the People's Republic of China and Singapore. The company operates through Investment Management, Fund Management, and Wealth Management segments. Its investments include debt investments, venture capital investments, microfinancing, fund and wealth management, and investment advisory services. The company was incorporated in 2021 and is based in Singapore.

How the Company Makes Money

Yangzijiang Financial Holding Ltd. makes money through a combination of investment income and fees generated from its financial services. The company earns revenue from the returns on its diverse portfolio of investments, which includes bonds, stocks, and alternative investments such as private equity or real estate. Additionally, YF8 generates fee income from offering financial advisory services, fund management, and other related services to its clients. These activities are supported by strategic partnerships and collaborations that enhance its investment capabilities and market reach, contributing to the company’s earnings growth.

Yangzijiang Financial Holding Ltd. Financial Statement Overview

Summary

Yangzijiang Financial Holding Ltd. shows strong financial resilience with high profitability and minimal leverage. While revenue has decreased, the company's profit margins and balance sheet remain robust, indicating strong financial health. However, the slight decline in cash flow generation requires future attention.

Income Statement

The company's income statement reflects a mixed performance. There is a significant decline in total revenue from the previous year, dropping from SGD 348.43 million to SGD 218.89 million. Despite this, the net profit margin remains strong at 139.12%, indicating high profitability driven by cost control. The EBITDA margin is also robust at 175.00%, suggesting efficient operations. However, the lack of EBIT data for the current year limits a comprehensive analysis of core operational profitability.

Balance Sheet

Yangzijiang Financial Holding Ltd. maintains a very healthy balance sheet with a strong equity position. The debt-to-equity ratio is extremely low at 0.0059, highlighting minimal leverage, which reduces financial risk. The company also shows a high equity ratio of 91.92%, indicating financial stability and a strong asset base. The return on equity is impressive at 7.49%, showcasing effective use of shareholder funds despite a challenging revenue environment.

Cash Flow

The cash flow statement reveals a robust free cash flow of SGD 429.49 million, though there is a decline from the previous year's free cash flow of SGD 844.71 million, indicating a decrease in cash flow generation. The operating cash flow to net income ratio of 1.55 suggests effective conversion of net income into cash. However, the free cash flow to net income ratio of 1.41 shows a slight decrease in free cash flow generation relative to net income.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	218.89M	348.43M	319.97M	445.92M	428.98M
Gross Profit	187.36M	345.85M	299.49M	425.49M	408.77M
EBITDA	383.07M	282.11M	203.84M	359.09M	356.93M
Net Income	304.63M	201.80M	162.00M	327.24M	321.07M
Balance Sheet
Total Assets	4.42B	4.18B	4.21B	4.40B	4.84B
Cash, Cash Equivalents and Short-Term Investments	2.33B	2.66B	2.94B	3.46B	2.86B
Total Debt	23.92M	732.00K	14.56M	0.00	0.00
Total Liabilities	199.71M	262.46M	332.13M	151.11M	169.69M
Stockholders Equity	4.07B	3.84B	3.87B	4.25B	4.67B
Cash Flow
Free Cash Flow	429.49M	844.71M	311.44M	879.42M	-612.43M
Operating Cash Flow	473.32M	972.75M	311.45M	801.06M	-611.69M
Investing Cash Flow	-459.02M	-65.83M	-223.68M	141.45M	-129.00M
Financing Cash Flow	-21.94M	-34.66M	552.27M	-948.57M	605.83M

Yangzijiang Financial Holding Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1.22
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SG:YF8, the sentiment is Positive. The current price of 1.22 is above the 20-day moving average (MA) of 1.11, above the 50-day MA of 1.03, and above the 200-day MA of 0.71, indicating a bullish trend. The MACD of 0.05 indicates Negative momentum. The RSI at 77.41 is Negative, neither overbought nor oversold. The STOCH value of 84.72 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SG:YF8.

Yangzijiang Financial Holding Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
S41	72 Outperform	1.19B	14.04	0.00%	4.83%	-10.51%	-15.79%
U10	68 Neutral	2.48B	11.34	10.59%	4.72%	7.87%	-4.03%
YF8	63 Neutral	S$4.25B	12.54	8.61%	2.83%	-9.47%	131.72%
HKB	54 Neutral	1.44B	22.83	3.21%	―	0.00%	0.00%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Yangzijiang Financial Holding Ltd. Corporate Events

Yangzijiang Financial Announces Maritime Spin-Off and New Subsidiary

Yangzijiang Financial Holding Ltd. has announced the incorporation of a new subsidiary, Yangzijiang Maritime Development Pte. Ltd., as part of a strategic move to spin off its maritime investments segment. This newly formed entity is wholly owned by the company and will serve as a holding company, with its establishment funded by internal resources. The spin-off aims to list the new company on the Main Board of the SGX-ST, which is expected to enhance the company’s focus on maritime investments without impacting its current financial metrics.