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Yunfeng Financial Group Ltd (0376) fair value: what the stock is really worth

As of Nov 13, 2026: fair value (intrinsic value) of Yunfeng Financial Group Ltd stock HK$2.24, price HK$1.88, upside +19.5%, quality 55 out of 100. Rating: undervalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services HK · ISIN HK0000091790

YF Yunfeng Financial Group Ltd logo Thin data Nov 14, 2026

Yunfeng Financial Group Ltd

0376 · HK

Solid company, but only slightly cheap (16% below fair value) and falling price: meets 1 of 3 rules.

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Fair value HK$2.24 · Undervalued 
Solidly profitable · 17.1% net margin (TTM) 
Ranks above peers (10/14) 
Revenue last quarter +22% vs. a year ago. 
Quality 55/100 
Mixed Growth (revenue YoY +56.2 %/yr in HKD) 
Moderate moat 53/100
Falling price (downtrend) 
Thin data 
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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

HK$7.33 HK$0.7400 Fair Value HK$2.24 Mar 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 14, 2026.

How to read this chart

60‑month range HK$0.7400 – HK$7.33 · fair‑value band HK$2.24 – HK$2.34 · the HK$1.88 price screens below the HK$2.24 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 3 fiscal years are left out: there the valuation rested on only a fraction of the usual models. As of Nov 14, 2026.

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Company profile

Yunfeng Financial Group Limited, an investment holding company, provides insurance products in Hong Kong and Macao. The company operates in two segments, Insurance Business; and Other Financial Services and Corporate.

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It provides life and medical insurance, annuities, pensions, and mandatory provident fund schemes. The company also offers fund and asset management services, as well as financing and investing solutions.

In addition, the company engages in the securities brokerage, custodian and other, financial technology, and principal investment businesses.

Further, it provides administrative, trustee, and general services; marketing and promoting products, and public relations services; and computer software and hardware technological development, technical consulting, technology, and database and computer network services.

The company was formerly known as Reorient Group Limited and changed its name to Yunfeng Financial Group Limited in November 2016. Yunfeng Financial Group Limited was incorporated in 1982 and is based in Wan Chai, Hong Kong.

Stock analysis

Yunfeng Financial Group Ltd (0376) currently trades at HK$1.88, while our model-based Fair Value estimate is HK$2.24, implying the stock looks roughly 16% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of HK$2.43 per share, and 3 of the 4 models we run sit above the HK$1.88 price.

Bear case: the Asset-Based group reads lowest at HK$1.71, and 1 of the 4 models stay below the price. Data coverage for this calculation is low.

Scenario range: HK$2.24 (bear) to HK$2.34 (bull), the price of HK$1.88 sits below 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 55/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Yunfeng Financial Group Ltd reported revenue of HK$7.6B in FY2025 versus HK$8.5B in FY2021, a compound −2.8%/yr. Reported net income was HK$653M in FY2025, compounding +6.2%/yr from FY2021.

Key figures

Market cap HK$7.6B (≈ $966M) Small · P/E ratio 9.6 · P/S ratio 0.82 · Net margin 8.6% · Return on equity 7.2% · Return on assets (EBIT) 1.5% (5-year average) · Operating margin 44.5% · Revenue (TTM) HK$4.7B.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 53 out of 100 (medium confidence).

What moves the price

The share trades about 53% below its 52-week high and 25% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −33% fair-value upside, at 20%, 0376 screens cheaper than that median.

Fair Value models

Bear HK$2.24 Fair Value HK$2.24 Bull HK$2.34
Price HK$1.88 · Upside +19.5%
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. 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
Residual Income HK$2.25 HK$2.24 HK$2.34 68
P/E Multiple HK$1.57 HK$2.10 HK$2.62 63
P/B Multiple HK$2.07 HK$2.76 HK$3.45 55
All 4 models by family
Multiples
P/E Multiple HK$1.57 HK$2.10 HK$2.62 63
P/B Multiple HK$2.07 HK$2.76 HK$3.45 55
Asset-Based
NCAV (Graham) HK$1.27 HK$1.71 HK$2.55 53
Economic Profit
Residual Income HK$2.25 HK$2.24 HK$2.34 68

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Quality Score breakdown

Overall quality 55/100

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

Profitability 22
How much profit the company makes from its sales and capital
Quality Growth 58
Are margins and returns getting better?
Cashflow 88
Do the profits arrive as real cash?
Financial strength 17
Debt, balance sheet and risk of trouble
Investment 88
Does it invest with discipline instead of growing at any price?
Low Volatility 43
How calm the share price moves, does not count
Price momentum 27
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 7
Distance to the 52-week high, does not count
New shares 56
Buys back shares or issues new ones?

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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. 87/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
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.
+4.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+4.6%
Dividend (yield on the price)0.0%
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.4.6% vs −20.8%, picking up
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.17% → 16%
Pace: the 5-year rate starts in 2020 (pandemic)

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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 - Life · 77 stocks

Beats the industry median on 10/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 55 · Above median
Fair Value upside +19.5% · Above median
Profitability
Return on equity (12 months) 7.2% · Bottom 25%
Return on assets 1.0% · Below median
Net margin (12 months) 28.3% · Top 25%
Operating margin (12 months) 44.5% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) 22.4% · Top 25%
Balance sheet
Debt / equity 0.19× · Below median

Valuation Multiplesvs Insurance - Life median · lower = cheaper

P/E (12 months) 9.6× · Cheaper than median
P/B 0.61× · Cheapest 25%
P/S (12 months) 2.68× · Priciest 25%
Price / free cash flow (fiscal year) 8.6× · Pricier than median
EV/EBITDA 4.2× · Cheaper than median
PEG 0.37× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)59 · sector 14
FUTURE (revenue growth)100 · sector 38
PAST (return on equity)29 · sector 48
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 54

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

Similar stocks

10 more Insurance - Life stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Ping An Insurance (Group) Company 601318 ¥53.80 ¥66.91 +24% vs 0376
China Life Insurance Company 601628 ¥34.95 ¥40.47 +16% vs 0376
Life Insurance Corporation LICI ₹399.30 ₹299.42 −25% vs 0376
MetLife, Inc MET $102.65 $69.12 −33% vs 0376
AIA Group 1299 HK$77.75 HK$51.99 −33% vs 0376
Cathay Financial Holding 2882 114.50 TWD 71.53 TWD −38% vs 0376
Manulife Financial Corporation MFC $44.06 $26.43 −40% vs 0376
Aflac Incorporated AFL $127.61 $75.47 −41% vs 0376
Fubon Financial Holding 2881 159.00 TWD 88.61 TWD −44% vs 0376
Great-West Lifeco Inc GWO C$93.99 C$41.90 −55% vs 0376

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Yunfeng Financial Group Ltd: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Yunfeng Financial Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/0376

Frequently asked questions

Is Yunfeng Financial Group Ltd (0376) overvalued or undervalued?
As of Nov 14, 2026, our model estimates a fair value of HK$2.24 versus a price of HK$1.88, about +20% upside (undervalued).
What is the fair value of 0376?
Our model-based fair value for Yunfeng Financial Group Ltd is HK$2.24 (as of Nov 14, 2026), built from audited fundamentals. The current price: HK$1.88.
What is the quality score of 0376?
Yunfeng Financial Group Ltd has a Quality Score of 55/100. 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 Yunfeng Financial Group Ltd (0376)?
Our model-based price target is the fair value of HK$2.24 (as of Nov 14, 2026) from 4 valuation models. Cautious scenario HK$2.24, optimistic scenario HK$2.34. It is a calculation from audited fundamentals, not an analyst target.
What is the Yunfeng Financial Group Ltd stock forecast for 2026?
Our models put fair value at HK$2.24, about +20% upside versus a price of HK$1.88 (undervalued). Cautious scenario HK$2.24, optimistic scenario HK$2.34. The calculation is refreshed regularly with new filings.
What is the revenue of Yunfeng Financial Group Ltd (0376)?
Yunfeng Financial Group Ltd reported trailing-twelve-month revenue of about HK$4.7B (latest available figure, as of Nov 14, 2026).
What is the intrinsic value of Yunfeng Financial Group Ltd (0376)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Yunfeng Financial Group Ltd it is HK$2.24 per share (as of Nov 14, 2026), against a price of HK$1.88. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Yunfeng Financial Group Ltd stock overvalued or undervalued in 2026?
As of Nov 14, 2026, 0376 trades below its calculated fair value: price HK$1.88, fair value HK$2.24, a gap of about +20% (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 0376?
No. The price is what the market pays today (HK$1.88); the fair value is what the company's own numbers justify (HK$2.24). For Yunfeng Financial Group Ltd the two are HK$0.3650 per share apart. That gap is exactly why we show both numbers side by side.
How much is Yunfeng Financial Group Ltd worth?
The market values Yunfeng Financial Group Ltd at about HK$7.6B (market capitalisation, as of Nov 14, 2026). Per share that is HK$1.88; our models calculate a fair value of HK$2.24 per share.
What do the bullish and bearish scenarios say about 0376?
Our models span a range for Yunfeng Financial Group Ltd: cautious scenario HK$2.24, base HK$2.24, optimistic HK$2.34 per share (as of Nov 14, 2026, price HK$1.88). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 0376?
Yunfeng Financial Group Ltd trades at a price-to-earnings ratio of 9.6 (as of Nov 14, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of HK$2.24 is built from several models across several years. Median P/E at fiscal year-end, 6 fiscal years (2019 to 2025), reported earnings: 13.7. Other multiples: PEG 0.4, P/B 0.6, P/S 2.7, EV/EBITDA 4.2.
What is the PEG ratio of 0376?
The PEG ratio of Yunfeng Financial Group Ltd is 0.37 (P/E divided by earnings growth, as of Nov 14, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Yunfeng Financial Group Ltd (0376)?
Balance-sheet figures for Yunfeng Financial Group Ltd (as of Nov 14, 2026): return on equity 7.2%, debt of 0.19 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is 0376 from its 52-week high?
Yunfeng Financial Group Ltd trades at HK$1.88, about 53% below its 52-week high of HK$3.96 and 25% above the low of HK$1.50 (as of Nov 13, 2026). Distance from the high says nothing about value: that is what the fair value of HK$2.24 is for.
Which stocks are comparable to Yunfeng Financial Group Ltd?
From the same area (Financial Services) we also value Ping An Insurance (Group) Company, China Life Insurance Company, AIA Group, Manulife Financial 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 Yunfeng Financial Group Ltd stock attractive at the current price?
The data as of Nov 14, 2026: price HK$1.88, calculated fair value HK$2.24 (+20%), Quality Score 55/100, from 4 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 0376 calculated?
We run Yunfeng Financial Group Ltd through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of HK$2.24 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 14.1% above its aggregate fair value. Yunfeng Financial Group Ltd currently trades 16% 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 Yunfeng Financial Group Ltd (0376)?
The closing price on Nov 13, 2026 was HK$1.88. Our model-based fair value is HK$2.24, about +20% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Yunfeng Financial Group Ltd right now?
The price is below even our cautious bear case (HK$2.24). The market is more pessimistic than our downside scenario. The models converge in a tight band (HK$2.24 to HK$2.34), unusually little disagreement for a valuation. 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 Yunfeng Financial Group Ltd

How large is the market capitalisation of Yunfeng Financial Group Ltd (0376)?
The market capitalisation of Yunfeng Financial Group Ltd is HK$7.6B (≈ $966M). 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 Yunfeng Financial Group Ltd (0376)?
The price-to-sales ratio of Yunfeng Financial Group Ltd is 0.82 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of Yunfeng Financial Group Ltd (0376)?
The net margin of Yunfeng Financial Group Ltd is 8.6% (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 Yunfeng Financial Group Ltd (0376)?
The return on equity (ROE) of Yunfeng Financial Group Ltd is 7.2% (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 Yunfeng Financial Group Ltd (0376)?
On an EBIT basis the return on assets of Yunfeng Financial Group Ltd is 1.5% (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 Yunfeng Financial Group Ltd (0376)?
The operating margin of Yunfeng Financial Group Ltd is 44.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Yunfeng Financial Group Ltd (0376)?
Revenue at Yunfeng Financial Group Ltd is growing 22.4% versus a year earlier (3y avg +43.0%). 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 Yunfeng Financial Group Ltd (0376)?
Earnings per share at Yunfeng Financial Group Ltd are growing 23.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Yunfeng Financial Group Ltd (0376) generate?
The free cash flow of Yunfeng Financial Group Ltd is HK$1.5B (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 Yunfeng Financial Group Ltd (0376) hold?
Yunfeng Financial Group Ltd holds more cash than debt, HK$3.0B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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