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Yangzijiang Financial Holding Ltd.
(SGX:YF8)
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Rating:52Neutral
Price Target:
S$0.19
â–¼(-4.50% Downside)
Action:Reiterated
Date:08/10/26
The score is primarily constrained by weakening financial performance (2025 revenue decline, swing to loss, and negative operating/free cash flow) and a technically weak trend with price below major moving averages. These are partially offset by a strong dividend yield and a conservatively levered balance sheet.
Positive Factors
Conservative leverage
Minimal leverage gives Yangzijiang Financial Holding greater financial flexibility and reduces the burden of interest or refinancing obligations. This can help preserve capital for investment activities and provide a stronger buffer when portfolio returns or operating results weaken.
Negative Factors
Revenue contraction
The sharp 2025 revenue decline signals a substantial reduction in income generated from the company’s investment and financial activities. A smaller revenue base can weaken recurring earnings capacity and make future results more dependent on volatile asset gains or recoveries.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage
Minimal leverage gives Yangzijiang Financial Holding greater financial flexibility and reduces the burden of interest or refinancing obligations. This can help preserve capital for investment activities and provide a stronger buffer when portfolio returns or operating results weaken.
Read all positive factors
Yangzijiang Financial Holding Ltd. (YF8) vs. iShares MSCI Singapore ETF (EWS)
Market Cap
S$675.21M
Dividend Yield17.6%
Average Volume (3M)17.83M
Price to Earnings (P/E)―
Beta (1Y)0.97
Revenue Growth-73.51%
EPS Growth-131.35%
CountrySG
Employees67
SectorFinancial
Sector Strength70
IndustryAsset Management
Share Statistics
EPS (TTM)-0.04
Shares Outstanding3,480,450,400
10 Day Avg. Volume28,415,249
30 Day Avg. Volume17,828,506
Financial Highlights & Ratios
PEG Ratio2.62
Price to Book (P/B)0.81
Price to Sales (P/S)14.52
P/FCF Ratio-11.41
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
S$5.10Price Target Upside2450.00% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.03
Revenue Forecast (FY)S$287.50M
Yangzijiang Financial Holding Ltd. Business Overview & Revenue Model
Company Description
Yangzijiang Financial Holding Ltd. functions as an investment holding firm, undertaking various investment-related activities across both the People's Republic of China and Singapore. The company organizes its operations into three principal divis...
How the Company Makes Money
YF8 makes money primarily through returns generated on its invested capital. Key revenue and income sources typically include (i) interest income from debt instruments and lending-style exposures (if held), (ii) dividends and distributions from eq...
Yangzijiang Financial Holding Ltd. Financial Statement Overview
Summary
Income Statement
38
Negative
Balance Sheet
72
Positive
Cash Flow
44
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 73.05M | 97.43M | 218.89M | 348.43M | 323.58M | 428.67M |
| Gross Profit | 71.27M | 96.18M | 187.36M | 345.85M | 299.49M | 425.49M |
| EBITDA | -211.44M | -186.92M | 383.07M | 282.11M | 270.52M | 362.70M |
| Net Income | -104.55M | -5.22M | 304.63M | 201.80M | 162.00M | 327.24M |
Balance Sheet | ||||||
| Total Assets | 1.97B | 1.89B | 4.42B | 4.18B | 4.21B | 4.40B |
| Cash, Cash Equivalents and Short-Term Investments | 1.17B | 1.07B | 2.33B | 2.66B | 2.94B | 3.46B |
| Total Debt | 0.00 | 0.00 | 23.92M | 732.00K | 14.56M | 0.00 |
| Total Liabilities | 118.35M | 145.89M | 199.71M | 262.46M | 332.13M | 151.11M |
| Stockholders Equity | 1.85B | 1.75B | 4.07B | 3.84B | 3.87B | 4.25B |
Cash Flow | ||||||
| Free Cash Flow | -127.76M | -123.97M | 429.49M | 844.71M | 311.44M | 879.42M |
| Operating Cash Flow | -78.69M | -65.71M | 473.32M | 972.75M | 311.45M | 801.06M |
| Investing Cash Flow | 104.25M | -16.49M | -459.02M | -130.20M | -223.68M | 141.45M |
| Financing Cash Flow | -508.73M | -636.67M | -21.94M | -34.66M | 552.27M | -948.57M |
Yangzijiang Financial Holding Ltd. Technical Analysis
Negative
0.20
Price Trends
0.20
Negative
0.21
Negative
0.25
Negative
Market Momentum
>-0.01
Negative
46.08
Neutral
38.60
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SG:YF8, the sentiment is Negative. The current price of 0.2 is above the 20-day moving average (MA) of 0.19, above the 50-day MA of 0.20, and below the 200-day MA of 0.25, indicating a bearish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 46.08 is Neutral, neither overbought nor oversold. The STOCH value of 38.60 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SG:YF8.
Yangzijiang Financial Holding Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | S$504.53M | 11.15 | 6.62% | 3.46% | -7.76% | 43.29% | |
74 Outperform | S$9.95B | 13.10 | 14.59% | 3.29% | 26.59% | 95.12% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | S$2.94B | 9.57 | 13.21% | 4.11% | 36.18% | 40.76% | |
52 Neutral | S$675.21M | -4.59 | -5.81% | 17.60% | -73.51% | -131.35% | |
49 Neutral | S$1.07B | 10.92 | 3.09% | 3.78% | -27.48% | -21.92% |
* Financial Sector Average
SG:YF8
Yangzijiang Financial Holding Ltd.
0.19
-0.30
-60.33%
SG:U13
United Overseas Insurance Limited
8.25
0.71
9.36%
SG:U10
UOB-Kay Hian Holdings Limited
2.99
0.62
26.21%
SG:G07
Great Eastern Holdings Limited
19.78
5.27
36.32%
SG:S35
Sing Investments & Finance Limited
1.46
-0.09
-5.81%
SG:S41
Hong Leong Finance Limited
2.38
-0.14
-5.52%
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.