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China Finance Investment Holdings Ltd (0875) fair value: what the stock is really worth

As of Nov 2, 2026: fair value (intrinsic value) of China Finance Investment Holdings Ltd stock HK$0.03, price HK$0.38, that is 91.1% below the price, quality 20 out of 100. Rating: strongly overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

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Consumer Defensive HK · ISIN BMG2162U1229

CF China Finance Investment Holdings Ltd logo Thin data Nov 3, 2026

China Finance Investment Holdings Ltd

0875 · HK
Very expensive, weak quality

Our calculation puts a fair price 91% below what the stock costs today.

Low debt
Mixed Growth (revenue 5y +60.8 %/yr in HKD)
Revenue last quarter 55% below a year ago.
Fair value HK$0.0340 · Strongly overvalued (−91.1%)
Quality 20/100
Loss-making · -13.0% net margin (TTM)
Negative free cash flow
Trails peers (2/10)
Narrow moat 7/100 · thin data
Thin data
⟳ Cyclical⚠ Dilution
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

HK$10.16 HK$0.2160 Fair Value HK$0.0340 Jun 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.

How to read this chart

60‑month range HK$0.2160 – HK$10.16 · fair‑value band HK$0.0255 – HK$0.0425 · the HK$0.3800 price screens above the HK$0.0340 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 2026.

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Company profile

Congyu Intelligent Agricultural Holdings Limited, an investment holding company, engages in growing, processing, and trading of agricultural produce, trading of seafood, and meat produce in the People's Republic of China. The company grows, processes, and sells vegetables.

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It provides management services; and engages in the wholesale and retail trade, and online sale business. The company was formerly known as China Finance Investment Holdings Limited and changed its name to Congyu Intelligent Agricultural Holdings Limited in July 2024.

Congyu Intelligent Agricultural Holdings Limited was founded in 1992 and is headquartered in Kwun Tong, Hong Kong. Congyu Intelligent Agricultural Holdings Limited operates as a subsidiary of Sino Richest Investment Holdings Limited.

Stock analysis

China Finance Investment Holdings Ltd (0875) currently trades at HK$0.3800, while our model-based Fair Value estimate is HK$0.0340, 91.1% below the price, so the stock looks overvalued today.

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Valuation

How firm this estimate is: it rests on 1 models at a data quality of 95/100, which puts the data coverage at low.

Scenario range: HK$0.0255 (bear) to HK$0.0425 (bull), the price of HK$0.3800 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 20/100 (below-average quality), in the Consumer Defensive sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

China Finance Investment Holdings Ltd reported revenue of HK$3.5B in FY2025 versus HK$523M in FY2021, a compound +61.3%/yr. Reported net income was −HK$408M in FY2025.

Key figures

Market cap HK$336M (≈ $42.8M) Micro · P/S ratio 0.10 · Net margin −11.5% · Return on equity −157% · Return on assets (EBIT) −5.2% · Operating margin −0.6% · Revenue (TTM) HK$3.2B · Revenue growth (YoY) −55.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 7 out of 100 (low confidence).

What moves the price

The share trades about 82% below its 52-week high and 54% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Consumer Defensive peers we cover trades at 0% fair-value upside, at −91%, 0875 screens richer than that median.

Fair Value models

Bear HK$0.0255 Fair Value HK$0.0340 Bull HK$0.0425
Price HK$0.3800 · Downside -91.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
NCAV (Graham) HK$0.0300 HK$0.0400 HK$0.0500 55
All 1 models by family
Asset-Based
NCAV (Graham) HK$0.0300 HK$0.0400 HK$0.0500 55

The fair value above starts from this blend and is adjusted for dilution from new shares.

Open the full fair value analysis →

Quality Score breakdown

Overall quality 20/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 21
How much profit the company makes from its sales and capital
Quality Growth 54
Are margins and returns getting better?
Cashflow 4
Do the profits arrive as real cash?
Financial strength 1
Debt, balance sheet and risk of trouble
Investment 67
Does it invest with discipline instead of growing at any price?
Low Volatility 50
How calm the share price moves, does not count
Price momentum 18
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 4
Distance to the 52-week high, does not count
New shares 0
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 36/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+182.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+52.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+60.8%
Start year 2020 (pandemic). Over 10 years: +42.7% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.6%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−19.9% (2020) → −8.6% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

0875 screens overvalued: fair value 91% below the price. Compare with Archer-Daniels-Midland Company →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Farm Products · 289 stocks

Beats the industry median on 1/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 20 · Bottom 25%
Fair Value upside −91.1% · Bottom 25%
Profitability
Return on assets −19.0% · Bottom 25%
Net margin (12 months) −13.0% · Bottom 25%
Operating margin (12 months) −0.6% · Below median
Growth and dividend
Revenue growth (quarter YoY) −55.1% · Bottom 25%

Valuation Multiplesvs Farm Products median · lower = cheaper

P/B 9.54× · Priciest 25%
P/S (12 months) 0.10× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 31
FUTURE (revenue growth)0 · sector 17
PAST (return on equity)0 · sector 17
HEALTH (low debt)100 · sector 94
DIVIDEND (yield)0 · sector 42

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Farm Products stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Tyson Foods, Inc TSN $57.08 $73.24 +28% vs 0875
Muyuan Foods Group 002714 ¥41.43 ¥53.02 +28% vs 0875
Mowi ASA MOWI kr 218.40 kr 266.51 +22% vs 0875
United Plantations Berhad 2089 29.30 MYR 32.14 MYR +10% vs 0875
L.D.C. S.A LOUP €108.20 €108.06 +0% vs 0875
Archer-Daniels-Midland Company ADM $75.77 $60.78 −20% vs 0875
Wens Foodstuff Group 300498 ¥15.95 ¥12.08 −24% vs 0875
Bunge Global SA BG $94.22 $56.81 −40% vs 0875
Fujian Wanchen Food Group 300972 ¥149.47 ¥88.62 −41% vs 0875
SalMar ASA SALM kr 579.00 kr 260.08 −55% vs 0875

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China Finance Investment Holdings Ltd: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "China Finance Investment Holdings Ltd Fair Value". https://www.fairvalue-calculator.com/stock/0875

Frequently asked questions

Is China Finance Investment Holdings Ltd (0875) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of HK$0.0340 versus a price of HK$0.3800, about 91% lower (overvalued).
What is the fair value of 0875?
Our model-based fair value for China Finance Investment Holdings Ltd is HK$0.0340 (as of Nov 3, 2026), built from audited fundamentals. The current price: HK$0.3800.
What is the quality score of 0875?
China Finance Investment Holdings Ltd has a Quality Score of 20/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for China Finance Investment Holdings Ltd (0875)?
Our model-based price target is the fair value of HK$0.0340 (as of Nov 3, 2026) from 1 valuation models. Cautious scenario HK$0.0255, optimistic scenario HK$0.0425. It is a calculation from audited fundamentals, not an analyst target.
What is the China Finance Investment Holdings Ltd stock forecast for 2026?
Our models put fair value at HK$0.0340, about 91% lower versus a price of HK$0.3800 (overvalued). Cautious scenario HK$0.0255, optimistic scenario HK$0.0425. The calculation is refreshed regularly with new filings.
What is the revenue of China Finance Investment Holdings Ltd (0875)?
China Finance Investment Holdings Ltd reported trailing-twelve-month revenue of about HK$3.2B (latest available figure, as of Nov 3, 2026).
What is the intrinsic value of China Finance Investment Holdings Ltd (0875)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For China Finance Investment Holdings Ltd it is HK$0.0340 per share (as of Nov 3, 2026), against a price of HK$0.3800. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is China Finance Investment Holdings Ltd stock overvalued or undervalued in 2026?
As of Nov 3, 2026, 0875 trades above its calculated fair value: price HK$0.3800, fair value HK$0.0340, a gap of about −91% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 0875?
No. The price is what the market pays today (HK$0.3800); the fair value is what the company's own numbers justify (HK$0.0340). For China Finance Investment Holdings Ltd the two are HK$0.3460 per share apart. That gap is exactly why we show both numbers side by side.
How much is China Finance Investment Holdings Ltd worth?
The market values China Finance Investment Holdings Ltd at about HK$336M (market capitalisation, as of Nov 3, 2026). Per share that is HK$0.3800; our models calculate a fair value of HK$0.0340 per share.
What do the bullish and bearish scenarios say about 0875?
Our models span a range for China Finance Investment Holdings Ltd: cautious scenario HK$0.0255, base HK$0.0340, optimistic HK$0.0425 per share (as of Nov 3, 2026, price HK$0.3800). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of China Finance Investment Holdings Ltd (0875)?
Balance-sheet figures for China Finance Investment Holdings Ltd (as of Nov 3, 2026): return on equity −156.7%. They feed the Quality Score of 20/100, which measures business quality independently of the share price.
How far is 0875 from its 52-week high?
China Finance Investment Holdings Ltd trades at HK$0.3800, about 82% below its 52-week high of HK$2.10 and 54% above the low of HK$0.2460 (as of Nov 2, 2026). Distance from the high says nothing about value: that is what the fair value of HK$0.0340 is for.
Which stocks are comparable to China Finance Investment Holdings Ltd?
From the same area (Consumer Defensive) we also value Archer-Daniels-Midland Company, Muyuan Foods Group, Tyson Foods, Inc, Bunge Global SA, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is China Finance Investment Holdings Ltd stock attractive at the current price?
The data as of Nov 3, 2026: price HK$0.3800, calculated fair value HK$0.0340 (−91%), Quality Score 20/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 0875 calculated?
We run China Finance Investment Holdings Ltd through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of HK$0.0340, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.2 % above its aggregate fair value. China Finance Investment Holdings Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of China Finance Investment Holdings Ltd (0875)?
The closing price on Nov 2, 2026 was HK$0.3800. Our model-based fair value is HK$0.0340, about 91% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with China Finance Investment Holdings Ltd right now?
The price sits above even our optimistic bull case (HK$0.0425). The favourable scenario is already priced in. Weak quality (20/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.

Key figures of China Finance Investment Holdings Ltd

How large is the market capitalisation of China Finance Investment Holdings Ltd (0875)?
The market capitalisation of China Finance Investment Holdings Ltd is HK$336M (≈ $42.8M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of China Finance Investment Holdings Ltd (0875)?
The price-to-sales ratio of China Finance Investment Holdings Ltd is 0.10 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of China Finance Investment Holdings Ltd (0875)?
The net margin of China Finance Investment Holdings Ltd is −11.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of China Finance Investment Holdings Ltd (0875)?
The return on equity (ROE) of China Finance Investment Holdings Ltd is −157% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of China Finance Investment Holdings Ltd (0875)?
On an EBIT basis the return on assets of China Finance Investment Holdings Ltd is −5.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of China Finance Investment Holdings Ltd (0875)?
The operating margin of China Finance Investment Holdings Ltd is −0.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at China Finance Investment Holdings Ltd (0875)?
Revenue at China Finance Investment Holdings Ltd is growing −55.1% versus a year earlier (3y avg +52.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at China Finance Investment Holdings Ltd (0875)?
Earnings per share at China Finance Investment Holdings Ltd are growing −87.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does China Finance Investment Holdings Ltd (0875) generate?
The free cash flow of China Finance Investment Holdings Ltd is −HK$113M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does China Finance Investment Holdings Ltd (0875) carry?
The net debt of China Finance Investment Holdings Ltd is HK$480M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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