0235 (0235) Fair Value & Analysis
Financial Services · Market cap HK$428M
Fair value as of: Jul 1, 2026
From 11 valuation models · updated today
Share price −4.5% over the past month.
Price vs Fair Value (12 months)
12‑month range HK$0.0190 – HK$0.0420 · fair‑value band HK$0.0355 – HK$0.0376 · the HK$0.0210 price screens below the HK$0.0376 fair value. As of Jul 1, 2026.
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0235 (0235) currently trades at HK$0.0210, while our model-based Fair Value estimate is HK$0.0376 — implying the stock looks roughly 79.0% undervalued today. We read business quality at 48/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium) — always confirm before acting.
Over the trailing twelve months, 0235 generated revenue of HK$36.1M at a net margin of -36.7%. Revenue declined 64.8% year over year. It earns a return on equity of -0.6%. The balance sheet holds a net cash position of HK$1.9B. Fundamentals as of Jul 1, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 1, 2026. TTM = trailing twelve months.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
0235 reported revenue of HK$59.8M in FY2025 versus −HK$3.3B in FY2021. Reported net income was −HK$13.3M in FY2025.
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Similar stocks
6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 1, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | 5,663 MXN | 3,063 MXN | -46% |
| Mastercard Incorporated MA | C$29.95 | C$17.84 | -40% |
| M4I M4I | €430.50 | €317.57 | -26% |
| American Express Company AXP | C$28.87 | C$17.03 | -41% |
| Capital One Financial Corporation COF | $183.20 | $122.33 | -33% |
| Bajaj Finance Limited BAJFINANCE | ₹968.30 | ₹720.78 | -26% |
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Frequently asked questions
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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.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.