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Company Analysis VCREDIT Holdings Limited
1. Summary
Advantages
- The stock's return over the last year (65.15%) is higher than the sector average (49.77%).
- The company's current efficiency (ROE=10.9%) is higher than the sector average (ROE=-34.3%)
Disadvantages
- Price (3.27 HK$) is higher than fair price (3.21 HK$)
- Dividends (2.53%) are below the sector average (3.99%).
- Current debt level 38.95% has increased over 5 years from 10.15%.
Similar companies
2. Share price and performance
2.1. Share price
2.3. Market efficiency
| VCREDIT Holdings Limited | Financials | Index | |
|---|---|---|---|
| 7 days | -3.5% | 1.3% | 3.8% |
| 90 days | -13.3% | 4.5% | 10.4% |
| 1 year | 65.2% | 49.8% | 51.9% |
2003 vs Sector: VCREDIT Holdings Limited has outperformed the "Financials" sector by 15.38% over the past year.
2003 vs Market: VCREDIT Holdings Limited has outperformed the market by 13.23% over the past year.
Stable price: 2003 is not significantly more volatile than the rest of the market on "Hong Kong Exchanges" over the last 3 months, with typical variations of +/- 5% per week.
Long period: 2003 with weekly volatility of 1.25% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Above fair price: The current price (3.27 HK$) is higher than the fair price (3.21 HK$).
Price is higher than fair: The current price (3.27 HK$) is 1.8% higher than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (1.88) is lower than that of the sector as a whole (64.31).
P/E vs Market: The company's P/E (1.88) is lower than that of the market as a whole (23.3).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (0.1954) is lower than that of the sector as a whole (2.05).
P/BV vs Market: The company's P/BV (0.1954) is lower than that of the market as a whole (2.59).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (0.5972) is lower than that of the sector as a whole (73.28).
P/S vs Market: The company's P/S indicator (0.5972) is lower than that of the market as a whole (19.57).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (0) is lower than that of the sector as a whole (390.06).
EV/Ebitda vs Market: The company's EV/Ebitda (0) is lower than that of the market as a whole (37.51).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Negative and has fallen by -31% over the last 5 years.
Accelerating profitability: The return for the last year (8.72%) exceeds the average return for 5 years (-31%).
Profitability vs Sector: The return for the last year (8.72%) exceeds the return for the sector (4.84%).
5.4. ROE
ROE vs Sector: The company's ROE (10.9%) is higher than that of the sector as a whole (-34.3%).
ROE vs Market: The company's ROE (10.9%) is higher than that of the market as a whole (-4.45%).
5.5. ROA
ROA vs Sector: The company's ROA (4.05%) is higher than that of the sector as a whole (0.6096%).
ROA vs Market: The company's ROA (4.05%) is higher than that of the market as a whole (2.7%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (0%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (14.67%).
7. Dividends
7.1. Dividend yield vs Market
Low yield: The dividend yield of the company 2.53% is below the average for the sector '3.99%.
7.2. Stability and increase in payments
Dividend stability: The company's dividend yield 2.53% has been steadily paid over the past 7 years, DSI=0.9.
Weak dividend growth: The company's dividend yield 2.53% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (9.48%) are at an uncomfortable level.
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