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Rendong Holdings Co Ltd (002647) fair value: what the stock is really worth

As of Nov 9, 2026: fair value (intrinsic value) of Rendong Holdings Co Ltd stock ¥2.93, price ¥6.98, that is 58.0% below the price, quality 52 out of 100. Rating: strongly overvalued. Calculated from audited financials with 10 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services CN · ISIN CNE1000019Z7

RH Rendong Holdings Co Ltd logo Some data Nov 6, 2026

Rendong Holdings Co Ltd

002647 · SHE
Solid, but very expensive

Our calculation puts a fair price 58% below what the stock costs today.

Quality 52/100
Thin margins · 7.6% net margin (TTM)
Some data
Fair value ¥2.93 · Strongly overvalued
Weak Growth (revenue 5y −17.2 %/yr in CNY)
Trails peers (2/13)
Narrow moat 42/100 · thin data
⚠ 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

¥13.80 ¥3.09 Fair Value ¥2.93 May 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

60‑month range ¥3.09 – ¥13.80 · fair‑value band ¥2.43 – ¥3.75 · the ¥6.98 price screens above the ¥2.93 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.

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Company profile

Rendong Holdings Co., Ltd. provides financial services in China. The company offers transformed into fintech-related businesses such as third-party payment, financial leasing, factoring, and supply chain management, and other financial technology-related services.

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It focuses on industries such as smart retail, fintech, cross-border e-commerce, e-commerce, travel, and education/examination. The company was formerly known as Meson Fintech Co., Ltd. and changed its name to Rendong Holdings Co., Ltd. in August 2018.

Rendong Holdings Co., Ltd. was founded in 1998 and is headquartered in Guangzhou, China.

Stock analysis

Rendong Holdings Co Ltd (002647) currently trades at ¥6.98, while our model-based Fair Value estimate is ¥2.93, 58% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of ¥6.64 per share, and 0 of the 10 models we run sit above the ¥6.98 price.

Bear case: the Dividend Discount group reads lowest at ¥0.3550, and 10 of the 10 models stay below the price. Data coverage for this calculation is medium.

Scenario range: ¥2.43 (bear) to ¥3.75 (bull), the price of ¥6.98 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 52/100 (solid quality), in the Financial Services sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

Rendong Holdings Co Ltd reported revenue of 823M CNY in FY2025 versus 1.7B CNY in FY2021, a compound −16.9%/yr. Reported net income was 360M CNY in FY2025.

Key figures

Market cap 7.9B CNY (≈ $1.2B) Small · P/E ratio 349.0 · EPS (TTM) ¥0.0200 · Dividend yield 0.6% · Net margin 43.7% · Return on equity 9.9% · Return on assets (EBIT) 0.0% (5-year average) · Operating margin 6.3%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).

What moves the price

The share trades about 49% below its 52-week high and 9% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −39% fair-value upside, at −58%, 002647 screens richer than that median.

Fair Value models

The price assumes far more growth than our models allow for, so the models scatter widely (¥0.3400 to ¥6.64). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear ¥2.43 Fair Value ¥2.93 Bull ¥3.75
Price ¥6.98 · Downside -58.0%
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. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (¥0.0172 per share) are deliberately not added. 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
Growth DCF ¥0.8900 ¥0.9800 ¥1.11 80
Owner Earnings ¥2.86 ¥3.45 ¥4.41 78
Residual Income ¥1.16 ¥1.33 ¥1.89 76
All 10 models by family
DCF Models
Owner Earnings ¥2.86 ¥3.45 ¥4.41 78
5Y P/E Exit ¥2.89 ¥4.52 ¥6.44 70
10Y P/E Exit ¥1.91 ¥2.79 ¥3.64 64
Earnings-Based
Graham-Dodd ¥2.15 ¥2.63 ¥2.95 67
Dividend Discount
Gordon GGM ¥0.3200 ¥0.3400 ¥0.3700 69
DDM Multi-Stage ¥0.3200 ¥0.3700 ¥0.4300 67
Multiples
P/E Multiple ¥4.98 ¥6.64 ¥8.30 63
Growth DCF
Growth DCF ¥0.8900 ¥0.9800 ¥1.11 80
Rev-Margin DCF ¥0.9000 ¥1.08 ¥1.30 74
Economic Profit
Residual Income ¥1.16 ¥1.33 ¥1.89 76

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 52/100

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

Profitability 52
How much profit the company makes from its sales and capital
Quality Growth 60
Are margins and returns getting better?
Cashflow 44
Do the profits arrive as real cash?
Financial strength 100
Debt, balance sheet and risk of trouble
Investment 59
Does it invest with discipline instead of growing at any price?
Low Volatility 22
How calm the share price moves, does not count
Price momentum 30
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 22
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. 26/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−29.0%
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.
−20.8%
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.
−17.2%
Start year 2020 (pandemic). Over 10 years: −15.5% a year
Revenue growth 17 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.
−7.3%
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.
−0.6% (2019) → −9.0% (2024)

002647 screens overvalued: fair value 58% below the price. Compare with ORIX Corporation →

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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.Financial Conglomerates · 49 stocks

Beats the industry median on 2/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 52 · Below median
Fair Value upside −58.4% · Bottom 25%
Profitability
Return on equity (12 months) 9.9% · Below median
Return on assets 6.5% · Top 25%
Net margin (12 months) 7.6% · Below median
Operating margin (12 months) 6.3% · Below median
Growth and dividend
Revenue growth (quarter YoY) 4.9% · Below median
Dividend yield (12 months) 0.6% · Bottom 25%
Balance sheet
Debt / equity 0.07× · Below median

Valuation Multiplesvs Financial Conglomerates median · lower = cheaper

P/E (12 months) 349.0× · Priciest 25%
P/B 14.19× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
P/S (12 months) 9.40× · Priciest 25%
Price / free cash flow (fiscal year) 139.5× · Priciest 25%
EV/EBITDA 46.4× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 39
FUTURE (revenue growth)25 · sector 71
PAST (return on equity)39 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)13 · sector 64

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

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

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

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Bajaj Finserv Ltd BAJAJFINSV ₹1,865 ₹796.21 −57% vs 002647
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Rendong Holdings Co Ltd: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Rendong Holdings Co Ltd Fair Value". https://www.fairvalue-calculator.com/stock/002647

Frequently asked questions

Is Rendong Holdings Co Ltd (002647) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of ¥2.93 versus a price of ¥6.98, about 58% lower (overvalued).
What is the fair value of 002647?
Our model-based fair value for Rendong Holdings Co Ltd is ¥2.93 (as of Nov 6, 2026), built from audited fundamentals. The current price: ¥6.98.
What is the quality score of 002647?
Rendong Holdings Co Ltd has a Quality Score of 52/100. 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 Rendong Holdings Co Ltd (002647)?
Our model-based price target is the fair value of ¥2.93 (as of Nov 6, 2026) from 10 valuation models. Cautious scenario ¥2.43, optimistic scenario ¥3.75. It is a calculation from audited fundamentals, not an analyst target.
What is the Rendong Holdings Co Ltd stock forecast for 2026?
Our models put fair value at ¥2.93, about 58% lower versus a price of ¥6.98 (overvalued). Cautious scenario ¥2.43, optimistic scenario ¥3.75. The calculation is refreshed regularly with new filings.
What is the revenue of Rendong Holdings Co Ltd (002647)?
Rendong Holdings Co Ltd reported trailing-twelve-month revenue of about 848M CNY (latest available figure, as of Nov 6, 2026).
Does Rendong Holdings Co Ltd pay a dividend?
Rendong Holdings Co Ltd currently shows a dividend yield of 0.64% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Rendong Holdings Co Ltd (002647)?
Rendong Holdings Co Ltd has a dividend yield of 0.6%.
What is the intrinsic value of Rendong Holdings Co Ltd (002647)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Rendong Holdings Co Ltd it is ¥2.93 per share (as of Nov 6, 2026), against a price of ¥6.98. It is the blended result of 10 valuation models in 6 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Growth DCF, Economic Profit).
Is Rendong Holdings Co Ltd stock overvalued or undervalued in 2026?
As of Nov 6, 2026, 002647 trades above its calculated fair value: price ¥6.98, fair value ¥2.93, a gap of about −58% (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 002647?
No. The price is what the market pays today (¥6.98); the fair value is what the company's own numbers justify (¥2.93). For Rendong Holdings Co Ltd the two are ¥4.05 per share apart. That gap is exactly why we show both numbers side by side.
How much is Rendong Holdings Co Ltd worth?
The market values Rendong Holdings Co Ltd at about 7.9B CNY (market capitalisation, as of Nov 6, 2026). Per share that is ¥6.98; our models calculate a fair value of ¥2.93 per share.
What do the bullish and bearish scenarios say about 002647?
Our models span a range for Rendong Holdings Co Ltd: cautious scenario ¥2.43, base ¥2.93, optimistic ¥3.75 per share (as of Nov 6, 2026, price ¥6.98). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 002647?
Rendong Holdings Co Ltd trades at a price-to-earnings ratio of 349.0 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ¥2.93 is built from several models across several years. Other multiples: P/B 14.2, P/S 9.4, EV/EBITDA 46.4.
How solid is the balance sheet of Rendong Holdings Co Ltd (002647)?
Balance-sheet figures for Rendong Holdings Co Ltd (as of Nov 6, 2026): return on equity 9.9%, debt of 0.07 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is 002647 from its 52-week high?
Rendong Holdings Co Ltd trades at ¥6.98, about 49% below its 52-week high of ¥13.80 and 9% above the low of ¥6.40 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of ¥2.93 is for.
Which stocks are comparable to Rendong Holdings Co Ltd?
From the same area (Financial Services) we also value ORIX Corporation, Bajaj Finserv Ltd, Yuanta Financial Holding, China Galaxy Securities Co, 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 Rendong Holdings Co Ltd stock attractive at the current price?
The data as of Nov 6, 2026: price ¥6.98, calculated fair value ¥2.93 (−58%), Quality Score 52/100, from 10 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 002647 calculated?
We run Rendong Holdings Co Ltd through 10 models from 6 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of ¥2.93 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 13.3% above its aggregate fair value. Rendong Holdings Co 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 Rendong Holdings Co Ltd (002647)?
The closing price on Nov 9, 2026 was ¥6.98. Our model-based fair value is ¥2.93, about 58% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Rendong Holdings Co Ltd right now?
The price sits above even our optimistic bull case (¥3.75). The favourable scenario is already priced in. Solid but not exceptional quality (52/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Rendong Holdings Co Ltd

How large is the market capitalisation of Rendong Holdings Co Ltd (002647)?
The market capitalisation of Rendong Holdings Co Ltd is 7.9B CNY (≈ $1.2B). 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 are the earnings per share of Rendong Holdings Co Ltd (002647)?
Earnings per share at Rendong Holdings Co Ltd are ¥0.0200 (price ÷ EPS = P/E 349.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Rendong Holdings Co Ltd (002647)?
The dividend yield of Rendong Holdings Co Ltd is 0.6%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Rendong Holdings Co Ltd (002647)?
The net margin of Rendong Holdings Co Ltd is 43.7% (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 Rendong Holdings Co Ltd (002647)?
The return on equity (ROE) of Rendong Holdings Co Ltd is 9.9% (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 Rendong Holdings Co Ltd (002647)?
On an EBIT basis the return on assets of Rendong Holdings Co Ltd is 0.0% (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 Rendong Holdings Co Ltd (002647)?
The operating margin of Rendong Holdings Co Ltd is 6.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Rendong Holdings Co Ltd (002647)?
Revenue at Rendong Holdings Co Ltd is growing +4.9% versus a year earlier (3y avg −20.8%). 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 Rendong Holdings Co Ltd (002647)?
Earnings per share at Rendong Holdings Co Ltd are growing −90.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Rendong Holdings Co Ltd (002647) generate?
The free cash flow of Rendong Holdings Co Ltd is 57.1M CNY (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Rendong Holdings Co Ltd (002647) hold?
Rendong Holdings Co Ltd holds more cash than debt, 4.4B CNY net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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