Min Xin Holdings Ltd (0222) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Min Xin Holdings Ltd HK$2.99, price HK$2.66, upside +12.4%, quality 68 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range HK$1.42 – HK$4.63 · fair‑value band HK$2.25 – HK$3.74 · the HK$2.66 price screens below the HK$2.99 fair value. Dashed = 300-day average. As of Sep 24, 2026.
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Min Xin Holdings Limited, an investment holding company, provides financial, insurance, property investment, and strategic investment services in Hong Kong, Mainland China, and Macau.
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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.
Stock analysis
Min Xin Holdings Ltd (0222) currently trades at HK$2.66, while our model-based Fair Value estimate is HK$2.99, implying the stock looks roughly 11.0% undervalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of HK$9.33 per share, and 3 of the 6 models we run sit above the HK$2.66 price.
Bear case: the Dividend Discount group reads lowest at HK$1.00, and 3 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: HK$2.25 (bear) to HK$3.74 (bull), the price of HK$2.66 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 68/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Min Xin Holdings Ltd 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.
Key figures
Market cap HK$2.1B (≈ $267M) · P/E ratio 17.5 · P/S ratio 8.07 · EPS (TTM) HK$0.1100 · Dividend yield 3.0% · Net margin 46.1% · Return on equity 1.5% · Return on assets (EBIT) 0.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 25% below its 52-week high and 26% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −12% fair-value upside, at 12%, 0222 screens cheaper than that median.
Fair Value models
Bear HK$2.25Fair Value HK$2.99Bull HK$3.74
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (HK$0.0219 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.Evidence ⓘEvidence = 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.
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.76/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+9.7%
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.
−0.5%
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.
+9.5%
Start year 2020 (pandemic). Over 10 years: +1.1% 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.
+3.0%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−21.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year−24.8%
Dividend (yield on the price)3.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−25% vs −15%, slowing
Profit margin 2020 to 2025 ⓘ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.24% → 50%
Start year 2020 (pandemic)
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).
+34.2%
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 +31.4% a year for the price.
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.Insurance - Property & Casualty · 119 stocks
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Min Xin Holdings Ltd (0222) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of HK$2.99 versus a price of HK$2.66, about +12% upside (undervalued).
What is the fair value of 0222?
Our model-based fair value for Min Xin Holdings Ltd is HK$2.99 (as of Sep 24, 2026), built from audited fundamentals. The current price: HK$2.66.
What is the quality score of 0222?
Min Xin Holdings Ltd has a Quality Score of 68/100. 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 Min Xin Holdings Ltd (0222)?
Our model-based price target is the fair value of HK$2.99 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario HK$2.25, optimistic scenario HK$3.74. It is a calculation from audited fundamentals, not an analyst target.
What is the Min Xin Holdings Ltd stock forecast for 2026?
Our models put fair value at HK$2.99, about +12% upside versus a price of HK$2.66 (undervalued). Cautious scenario HK$2.25, optimistic scenario HK$3.74. The calculation is refreshed regularly with new filings.
What is the revenue of Min Xin Holdings Ltd (0222)?
Min Xin Holdings Ltd reported trailing-twelve-month revenue of about HK$275M (latest available figure, as of Sep 24, 2026).
Does Min Xin Holdings Ltd pay a dividend?
Min Xin Holdings Ltd currently shows a dividend yield of about 3.01% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Min Xin Holdings Ltd (0222)?
For today's price to be fair in a discounted-cash-flow model, Min Xin Holdings Ltd would have to grow free cash flow by +34.2 % per year for five years (discount rate 13.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +9.5 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 0222 use?
Our models discount Min Xin Holdings Ltd at 13.3 %: a base by market capitalisation (micro), 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 Min Xin Holdings Ltd that is +34.2 % per year a year over ten years, using the same discount rate (13.3 %) and the same formula as our fair value.
How much growth has Min Xin Holdings Ltd (0222) delivered so far?
Over the past 5 years revenue at Min Xin Holdings Ltd grew +9.5 % a year. The price currently implies +34.2 % per year free-cash-flow growth a 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 Min Xin Holdings Ltd (0222) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Min Xin Holdings Ltd (+34.2 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Min Xin Holdings Ltd (0222)?
The free-cash-flow yield on the price is 3.57 %: that much free cash flow Min Xin Holdings Ltd produces per unit of market value. When it exceeds the discount rate of our models (13.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Min Xin Holdings Ltd (0222)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Min Xin Holdings Ltd it is HK$2.99 per share (as of Sep 24, 2026), against a price of HK$2.66. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Min Xin Holdings Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 0222 trades below its calculated fair value: price HK$2.66, fair value HK$2.99, a gap of about +12% (undervalued). 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 0222?
No. The price is what the market pays today (HK$2.66); the fair value is what the company's own numbers justify (HK$2.99). For Min Xin Holdings Ltd the two are HK$0.3300 per share apart. That gap is exactly why we show both numbers side by side.
How much is Min Xin Holdings Ltd worth?
The market values Min Xin Holdings Ltd at about HK$2.1B (market capitalisation, as of Sep 24, 2026). Per share that is HK$2.66; our models calculate a fair value of HK$2.99 per share.
What do the bullish and bearish scenarios say about 0222?
Our models span a range for Min Xin Holdings Ltd: cautious scenario HK$2.25, base HK$2.99, optimistic HK$3.74 per share (as of Sep 24, 2026, price HK$2.66). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 0222?
Min Xin Holdings Ltd trades at a price-to-earnings ratio of 17.5 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of HK$2.99 is built from several models across several years. Other multiples: P/B 0.3, P/S 7.6, EV/EBITDA 32.8.
How solid is the balance sheet of Min Xin Holdings Ltd (0222)?
Balance-sheet figures for Min Xin Holdings Ltd (as of Sep 24, 2026): return on equity 1.5%, debt of 0.10 per unit of equity. They feed the Quality Score of 68/100, which measures business quality independently of the share price.
How far is 0222 from its 52-week high?
Min Xin Holdings Ltd trades at HK$2.66, about 25% below its 52-week high of HK$3.55 and 26% above the low of HK$2.11 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of HK$2.99 is for.
Which stocks are comparable to Min Xin Holdings Ltd?
From the same area (Financial Services) we also value The Progressive Corporation, Chubb Limited, The Travelers Companies, Inc, The Allstate Corporation, 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 Min Xin Holdings Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price HK$2.66, calculated fair value HK$2.99 (+12%), Quality Score 68/100, from 6 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 0222 calculated?
We run Min Xin Holdings Ltd through 6 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$2.99, 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. Min Xin Holdings Ltd currently trades 12 % below its own fair value, and the market average says nothing about that. 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 Min Xin Holdings Ltd (0222)?
The closing price on Sep 23, 2026 was HK$2.66. Our model-based fair value is HK$2.99, about +12% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Min Xin Holdings Ltd right now?
Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 Min Xin Holdings Ltd
How large is the market capitalisation of Min Xin Holdings Ltd (0222)?
The market capitalisation of Min Xin 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 Min Xin Holdings Ltd (0222)?
The price-to-sales ratio of Min Xin Holdings Ltd is 8.07 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Min Xin Holdings Ltd (0222)?
Earnings per share at Min Xin Holdings Ltd are HK$0.1100 (price ÷ EPS = P/E 17.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Min Xin Holdings Ltd (0222)?
The dividend yield of Min Xin Holdings Ltd is 3.0% (payout 72.7%). 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 Min Xin Holdings Ltd (0222)?
The net margin of Min Xin Holdings Ltd is 46.1% (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 Min Xin Holdings Ltd (0222)?
The return on equity (ROE) of Min Xin Holdings Ltd is 1.5% (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 Min Xin Holdings Ltd (0222)?
On an EBIT basis the return on assets of Min Xin Holdings Ltd is 0.5% (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 Min Xin Holdings Ltd (0222)?
The operating margin of Min Xin Holdings Ltd is 32.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Min Xin Holdings Ltd (0222)?
Revenue at Min Xin Holdings Ltd is growing +7.8% versus a year earlier (3y avg −0.5%). 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 Min Xin Holdings Ltd (0222)?
Earnings per share at Min Xin Holdings Ltd are growing +0.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Min Xin Holdings Ltd (0222) carry?
The net debt of Min Xin Holdings Ltd is HK$143M (fiscal year 2025, ≈ 2.5 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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