Min Xin Holdings (0222) Fair Value & Analysis
Financial Services · HK · Market cap HK$2.1B
Fair value as of: Aug 2, 2026
From 6 valuation models · updated 8 days ago
Share price −6.4% over the past month.
A solid business, but screening 15% overvalued on our models.
What matters now
- Solid but not exceptional quality (68/100) 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 2, 2026.
How to read this chart
60‑month range HK$1.42 – HK$4.63 · fair‑value band HK$1.95 – HK$3.25 · the HK$3.05 price screens above the HK$2.60 fair value. Dashed = 300-day average. As of Aug 2, 2026.
Analysis
Min Xin Holdings (0222) currently trades at HK$3.05, while our model-based Fair Value estimate is HK$2.60, implying the stock looks roughly 14.8% overvalued today. The Quality Score stands at 68/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Min Xin Holdings generated revenue of HK$275M at a net margin of 43.5%. Revenue grew 7.8% year over year. It earns a return on equity of 1.5%. Net debt stands at HK$143M. Fundamentals as of Aug 2, 2026
Our scenario range runs from HK$1.95 (bear case) to HK$3.25 (bull case); at HK$3.05, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 17% below its 52-week high and 56% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 8% fair-value upside, at -15%, 0222 screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Asset-Based (HK$9.33) versus Dividend Discount (HK$1.36). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 2, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 64 · Market factors (momentum, volatility) 60
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Min Xin Holdings Limited, an investment holding company, provides financial, insurance, property investment, and strategic investment services in Hong Kong, Mainland China, and Macau.
Full company description
Min Xin Holdings Limited, an investment holding company, provides financial, insurance, property investment, and strategic investment services in Hong Kong, Mainland China, and Macau. It is involved in the banking business; provision of micro credit, as well as entrusted loans; general insurance business; leasing of office space; subordinated capital securities and bonds; and investment activities. The company was incorporated in 1980 and is based in Central, Hong Kong. Min Xin Holdings Limited operates as a subsidiary of Vigour Fine Company Limited.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Min Xin Holdings reported revenue of HK$259M in FY2025 versus HK$233M in FY2021, a compound +2.7%/yr. Reported net income was HK$120M in FY2025, compounding −29.9%/yr from FY2021.
0222 screens 15% overvalued. Compare with The Progressive Corporation →
Peer Group
Insurance - Property & Casualty · 120 stocks
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.
Valuation Multiples vs Insurance - Property & Casualty median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate (as of Aug 2, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| The Progressive Corporation PGR | $234.48 | $252.50 | +8% |
| Chubb Limited CB | $337.44 | $345.56 | +2% |
| The Travelers Companies, Inc TRV | $368.98 | $384.42 | +4% |
| The Allstate Corporation ALL | $251.61 | $503.22 | +100% |
| The People's Insurance Company 601319 | ¥7.06 | ¥13.71 | +94% |
| Intact Financial Corporation IFC | C$294.02 | C$247.44 | -16% |
| Fairfax Financial Holdings FFH | C$2,327 | C$3,252 | +40% |
| QBE Insurance Group QBE | A$25.47 | A$19.42 | -24% |
| Samsung Fire & Marine Insurance Co 000810 | 648,000 KRW | 658,771 KRW | +2% |
| Powszechny Zaklad Ubezpieczen SA PZU | 69.80 PLN | 100.85 PLN | +44% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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