Sinolink Worldwide Holdings Ltd (1168) fair value: what the stock is really worth
As of Nov 13, 2026: fair value (intrinsic value) of Sinolink Worldwide Holdings Ltd stock HK$3.99, price HK$4.80, that is 16.9% below the price, quality 48 out of 100. Rating: overvalued. Calculated from audited financials with 11 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 14, 2026.
How to read this chart
60‑month range HK$1.30 – HK$11.92 · fair‑value band HK$2.65 – HK$5.41 · the HK$4.80 price screens above the HK$3.99 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 14, 2026.
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Z Fin Limited, an investment holding company, engages in financial technology investment and management in the People's Republic of China. It operates through Financing Services, Property Investment, Property Management, Property Development, Others segments.
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The company offers financial leasing solutions and multiple consultancy services; property management services; securities trading, investment advisory, and asset management services; and business factoring and other loan financing services.
It is also involved in property leasing; property development and sale of properties; operation of hotel and primary school. The company was formerly known as Sinolink Worldwide Holdings Limited and changed its name to Z Fin Limited in August 2025.
Z Fin Limited was incorporated in 1998 and is headquartered in Central, Hong Kong.
Stock analysis
Sinolink Worldwide Holdings Ltd (1168) currently trades at HK$4.80, while our model-based Fair Value estimate is HK$3.99, 17% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of HK$15.74 per share, and 3 of the 11 models we run sit above the HK$4.80 price.
Bear case: the Multiples group reads lowest at HK$3.21, and 8 of the 11 models stay below the price. Data coverage for this calculation is low.
Scenario range: HK$2.65 (bear) to HK$5.41 (bull), the price of HK$4.80 sits inside 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 48/100 (below-average quality), in the Real Estate sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Sinolink Worldwide Holdings Ltd reported revenue of HK$575M in FY2025 versus HK$432M in FY2021, a compound +7.4%/yr. Reported net income was −HK$1.1B in FY2025.
Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (low confidence).
What moves the price
The share trades about 16% below its 52-week high and 85% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Real Estate peers we cover trades at −51% fair-value upside, at −17%, 1168 screens cheaper than that median.
Fair Value models
BearHK$2.65Fair Value HK$3.99BullHK$5.41
Price HK$4.80 · Downside -16.9%
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
FCF DCFHK$3.82HK$5.44HK$7.5281
Growth DCFHK$3.83HK$5.22HK$6.9079
5Y EBITDA ExitHK$3.12HK$4.69HK$6.4775
All 11 models by family
DCF Models
FCF DCFHK$3.82HK$5.44HK$7.5281
5Y Revenue ExitHK$2.47HK$3.47HK$4.6873
5Y EBITDA ExitHK$3.12HK$4.69HK$6.4775
10Y Revenue ExitHK$2.98HK$3.96HK$5.1868
10Y EBITDA ExitHK$3.38HK$4.70HK$6.3769
Multiples
EV/EBITHK$2.20HK$3.21HK$4.2365
EV/EBITDAHK$2.23HK$3.25HK$4.2867
EV/RevenueHK$0.8300HK$1.55HK$2.2752
Asset-Based
NCAV (Graham)HK$11.74HK$15.74HK$23.4954
Growth DCF
Growth DCFHK$3.83HK$5.22HK$6.9079
Rev-Margin DCFHK$2.47HK$3.53HK$4.7873
The fair value above starts from this blend and is adjusted for dilution from new shares.
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.53/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+66.0%
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.
+21.5%
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.
+8.1%
Start year 2020 (pandemic). Over 10 years: +5.5% 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.
−3.9%
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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.
21.4% (2019) → 23.2% (2024)
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
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+12.3%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Hong Kong: IMF forecast 2.1% a year to 2030, 1.8% from 2016 to 2025) that is about +9.9% a year for the price.
Compare Sinolink Worldwide Holdings Ltd with another stock
Price, fair value, quality and upside side by side.
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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.Real Estate - Diversified · 115 stocks
Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score48 · Below median
Fair Value upside−16.9% · Below median
Profitability
Return on assets−6.8% · Bottom 25%
Net margin (12 months)−122.3% · Bottom 25%
Operating margin (12 months)26.8% · Above median
Growth and dividend
Revenue growth (quarter YoY)61.1% · Top 25%
Balance sheet
Debt / equity0.18× · Lowest 25%
Valuation Multiplesvs Real Estate - Diversified median · lower = cheaper
P/B0.20× · Cheapest 25%
P/S (12 months)3.25× · Pricier than median
Price / free cash flow (fiscal year)15.6× · Pricier than median
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Is Sinolink Worldwide Holdings Ltd (1168) overvalued or undervalued?
As of Nov 14, 2026, our model estimates a fair value of HK$3.99 versus a price of HK$4.80, about 17% lower (overvalued).
What is the fair value of 1168?
Our model-based fair value for Sinolink Worldwide Holdings Ltd is HK$3.99 (as of Nov 14, 2026), built from audited fundamentals. The current price: HK$4.80.
What is the quality score of 1168?
Sinolink Worldwide Holdings Ltd has a Quality Score of 48/100. 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 Sinolink Worldwide Holdings Ltd (1168)?
Our model-based price target is the fair value of HK$3.99 (as of Nov 14, 2026) from 11 valuation models. Cautious scenario HK$2.65, optimistic scenario HK$5.41. It is a calculation from audited fundamentals, not an analyst target.
What is the Sinolink Worldwide Holdings Ltd stock forecast for 2026?
Our models put fair value at HK$3.99, about 17% lower versus a price of HK$4.80 (overvalued). Cautious scenario HK$2.65, optimistic scenario HK$5.41. The calculation is refreshed regularly with new filings.
What is the revenue of Sinolink Worldwide Holdings Ltd (1168)?
Sinolink Worldwide Holdings Ltd reported trailing-twelve-month revenue of about HK$645M (latest available figure, as of Nov 14, 2026).
What growth is priced into Sinolink Worldwide Holdings Ltd (1168)?
For today's price to be fair in a discounted-cash-flow model, Sinolink Worldwide Holdings Ltd would have to grow free cash flow by 12.3 % per year for five years (discount rate 12.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew 8.1 % per year. As of Nov 14, 2026.
What discount rate (WACC) does the fair value of 1168 use?
Our models discount Sinolink Worldwide Holdings Ltd at 12.0 %: a base by market capitalisation (micro), damped by beta 0.62, country premium for Hong Kong. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Sinolink Worldwide Holdings Ltd that is +12.3 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (12.0 %) and the same formula as our fair value.
How much growth has Sinolink Worldwide Holdings Ltd (1168) delivered so far?
Over the past 5 years revenue at Sinolink Worldwide Holdings Ltd grew 8.1 % a year. The price currently implies free-cash-flow growth of +12.3 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Sinolink Worldwide Holdings Ltd (1168) growing?
The median revenue growth in the sector is +2.9 % a year. That is the yardstick for the growth priced into Sinolink Worldwide Holdings Ltd (+12.3 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Sinolink Worldwide Holdings Ltd (1168)?
The free-cash-flow yield on the price is 6.40 %: that much free cash flow Sinolink Worldwide Holdings Ltd produces per unit of market value. When it exceeds the discount rate of our models (12.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Sinolink Worldwide Holdings Ltd (1168)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Sinolink Worldwide Holdings Ltd it is HK$3.99 per share (as of Nov 14, 2026), against a price of HK$4.80. It is the blended result of 11 valuation models in 4 families (DCF Models, Multiples, Asset-Based, Growth DCF).
Is Sinolink Worldwide Holdings Ltd stock overvalued or undervalued in 2026?
As of Nov 14, 2026, 1168 trades above its calculated fair value: price HK$4.80, fair value HK$3.99, a gap of about −17% (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 1168?
No. The price is what the market pays today (HK$4.80); the fair value is what the company's own numbers justify (HK$3.99). For Sinolink Worldwide Holdings Ltd the two are HK$0.8135 per share apart. That gap is exactly why we show both numbers side by side.
How much is Sinolink Worldwide Holdings Ltd worth?
The market values Sinolink Worldwide Holdings Ltd at about HK$2.1B (market capitalisation, as of Nov 14, 2026). Per share that is HK$4.80; our models calculate a fair value of HK$3.99 per share.
What do the bullish and bearish scenarios say about 1168?
Our models span a range for Sinolink Worldwide Holdings Ltd: cautious scenario HK$2.65, base HK$3.99, optimistic HK$5.41 per share (as of Nov 14, 2026, price HK$4.80). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of 1168?
The PEG ratio of Sinolink Worldwide Holdings Ltd is 0.66 (P/E divided by earnings growth, as of Nov 14, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Sinolink Worldwide Holdings Ltd (1168)?
Balance-sheet figures for Sinolink Worldwide Holdings Ltd (as of Nov 14, 2026): return on equity −7.1%, debt of 0.18 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is 1168 from its 52-week high?
Sinolink Worldwide Holdings Ltd trades at HK$4.80, about 16% below its 52-week high of HK$5.73 and 85% above the low of HK$2.60 (as of Nov 13, 2026). Distance from the high says nothing about value: that is what the fair value of HK$3.99 is for.
Which stocks are comparable to Sinolink Worldwide Holdings Ltd?
From the same area (Real Estate) we also value Swiss Prime Site AG, The Phoenix Mills Limited, Prestige Estates Projects Limited, Umm Al Qura for Development and Construction Company, 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 Sinolink Worldwide Holdings Ltd stock attractive at the current price?
The data as of Nov 14, 2026: price HK$4.80, calculated fair value HK$3.99 (−17%), Quality Score 48/100, from 11 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 1168 calculated?
We run Sinolink Worldwide Holdings Ltd through 11 models from 4 families: DCF Models, Multiples, Asset-Based, Growth DCF. Every model gets the same audited fundamentals; the fair value of HK$3.99 builds on their evidence-weighted average, 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 14.1% above its aggregate fair value. Sinolink Worldwide 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 Sinolink Worldwide Holdings Ltd (1168)?
The closing price on Nov 13, 2026 was HK$4.80. Our model-based fair value is HK$3.99, about 17% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Sinolink Worldwide Holdings Ltd right now?
Weak quality (48/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range (HK$2.65 to HK$5.41) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Key figures of Sinolink Worldwide Holdings Ltd
How large is the market capitalisation of Sinolink Worldwide Holdings Ltd (1168)?
The market capitalisation of Sinolink Worldwide Holdings Ltd is HK$2.1B (≈ $267M). 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 Sinolink Worldwide Holdings Ltd (1168)?
The price-to-sales ratio of Sinolink Worldwide Holdings Ltd is 3.31 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the return on equity of Sinolink Worldwide Holdings Ltd (1168)?
The return on equity (ROE) of Sinolink Worldwide Holdings Ltd is −7.1% (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 Sinolink Worldwide Holdings Ltd (1168)?
On an EBIT basis the return on assets of Sinolink Worldwide Holdings Ltd is 1.0% (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 Sinolink Worldwide Holdings Ltd (1168)?
The operating margin of Sinolink Worldwide Holdings Ltd is 26.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Sinolink Worldwide Holdings Ltd (1168)?
Revenue at Sinolink Worldwide Holdings Ltd is growing 61.1% versus a year earlier (3y avg +21.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much net debt does Sinolink Worldwide Holdings Ltd (1168) carry?
The net debt of Sinolink Worldwide Holdings Ltd is HK$368M (fiscal year 2025, ≈ 2.7 yrs of FCF). 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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Thin data
Nov 14, 2026