0373 (0373) Fair Value & Analysis

Financial Services · Market cap HK$7.5B

0 0373 0373 · HK

PriceHK$2.13

Fair ValueHK$4.26

Upside+100.0%

Quality61/100

Evidence: Medium Range HK$2.65 – HK$4.42

Fair value as of: Jul 1, 2026

From 26 valuation models · updated today

Share price −7.4% over the past month.

Price vs Fair Value (12 months)

12‑month range HK$1.53 – HK$3.51 · fair‑value band HK$2.65 – HK$4.42 · the HK$2.13 price screens below the HK$4.26 fair value. As of Jul 1, 2026.

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Analysis

0373 (0373) currently trades at HK$2.13, while our model-based Fair Value estimate is HK$4.26 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 61/100 (solid 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, 0373 generated revenue of HK$15.6B at a net margin of 14.2%. Revenue grew 24.1% year over year. It earns a return on equity of 4.9%. Net debt stands at HK$6.5B. Fundamentals as of Jul 1, 2026

Key figures & financial health

Revenue (TTM) HK$15.6B

Revenue growth (YoY) +24.1%

Net margin 14.2%

Return on equity 4.9%

Free cash flow HK$2.0B FY2025

P/E ratio 3.4

More key figures

Operating margin 31.0%

EPS (TTM) HK$0.4800

Dividend yield 4.5%

EPS growth (YoY) +142%

Net debt HK$6.5B FY2025

Figures from reported company fundamentals (EODHD) · as of Jul 1, 2026. TTM = trailing twelve months.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

0373 reported revenue of HK$15.6B in FY2025 versus HK$6.0B in FY2021, a compound +26.9%/yr. Reported net income was HK$2.2B in FY2025, compounding −24.1%/yr from FY2021.

Revenue +26.9%/yr

FY21 HK$6.0B

FY22 HK$8.3B

FY23 HK$7.3B

FY24 HK$6.5B

FY25 HK$15.6B

Net income −24.1%/yr

FY21 HK$6.7B

FY22 −HK$1.2B

FY23 −HK$125M

FY24 −HK$777M

FY25 HK$2.2B

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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	229.36 MXN	-96%
Mastercard Incorporated MA	C$29.95	C$10.05	-66%
M4I M4I	€430.50	€368.29	-14%
American Express Company AXP	C$28.87	C$23.85	-17%
Capital One Financial Corporation COF	$177.63	$125.08	-30%
Bajaj Finance Limited BAJFINANCE	₹889.40	₹559.13	-37%

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Frequently asked questions

Is 0373 (0373) undervalued?

As of Jul 1, 2026, our model estimates a fair value of HK$4.26 versus a price of HK$2.13 — about +100% (undervalued). Model-based estimate, not financial advice.

What is the fair value of 0373?

Our model-based fair value for 0373 is HK$4.26 (as of Jul 1, 2026), built from audited fundamentals. The current price is HK$2.13.

What is the quality score of 0373?

0373 has a Quality Score of 61/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

What is the revenue of 0373 (0373)?

0373 reported trailing-twelve-month revenue of about HK$15.6B (latest available figure, as of Jul 1, 2026).

What is the net profit margin of 0373?

The net profit margin of 0373 is about 14.2%, meaning it keeps roughly 14.2% of revenue as net income. Based on the latest reported figures.

Does 0373 pay a dividend?

0373 currently shows a dividend yield of about 4.52% relative to its recent price (as of Jul 1, 2026).

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.