CASH Financial Services Group Ltd (0510) fair value: what the stock is really worth
As of Sep 30, 2026: fair value of CASH Financial Services Group Ltd HK$0.27, price HK$0.42, upside -34.9%, quality 31 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 27, 2026.
How to read this chart
60‑month range HK$0.1460 – HK$1.32 · fair‑value band HK$0.2000 – HK$0.4100 · the HK$0.4150 price screens above the HK$0.2700 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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CASH Financial Services Group Limited, an investment holding company, engages in online and traditional brokerage of securities, futures, and options in Hong Kong. The company also offers general and life insurance, mutual funds, and mandatory provident fund products.
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CASH Financial Services Group Limited, an investment holding company, engages in online and traditional brokerage of securities, futures, and options in Hong Kong. The company also offers general and life insurance, mutual funds, and mandatory provident fund products. In addition, it trades in equity securities and derivatives; and provides margin financing, money lending, and investment management services. Further, the company offers payment gateway services. The company was founded in 1972 and is headquartered in Kowloon Bay, Hong Kong. CASH Financial Services Group Limited operates as a subsidiary of Celestial Investment Group Ltd.
Stock analysis
CASH Financial Services Group Ltd (0510) currently trades at HK$0.4150, while our model-based Fair Value estimate is HK$0.2700, 34.9% below the price, so the stock looks overvalued today.
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Valuation
How firm this estimate is: it rests on 1 models at a data quality of 93/100, which puts the evidence level at low.
Scenario range: HK$0.2000 (bear) to HK$0.4100 (bull), the price of HK$0.4150 sits above 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 31/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
CASH Financial Services Group Ltd reported revenue of HK$84.8M in FY2025 versus HK$84.3M in FY2021, a compound +0.2%/yr. Reported net income was −HK$38.5M in FY2025.
Key figures
Market cap HK$263M (≈ $33.5M) · P/S ratio 4.21 · EPS (TTM) HK$−0.0300 · Net margin −45.4% · Return on equity −20.7% · Return on assets (EBIT) −4.5% · Operating margin −67.9% · Revenue (TTM) HK$62.4M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 69% below its 52-week high and 14% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −18% fair-value upside, at −35%, 0510 screens richer than that median.
Fair Value models
Bear HK$0.2000Fair Value HK$0.2700Bull HK$0.4100
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.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.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.6/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+108.0%
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.
+10.7%
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.
−4.9%
Start year 2020 (pandemic). Over 10 years: −13.6% a year
Revenue growth 26 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.
+5.5%
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Profit margin (trend) ⓘ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.
−32.1% (2020) → −39.7% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Compare CASH Financial Services Group Ltd with another stock
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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.Capital Markets · 464 stocks
Beats the industry median on 3/9 measures
Overall it trails its industry peers.
Valuation
Quality Score33 · Bottom 25%
Fair Value upside−34.9% · Below median
Profitability
Return on assets−5.8% · Bottom 25%
Net margin (TTM)−61.7% · Bottom 25%
Operating margin (TTM)−67.9% · Bottom 25%
Growth and dividend
Revenue growth92.5% · Top 25%
Balance sheet
Debt / equity0.13× · Above median
Valuation Multiplesvs Capital Markets median · lower = cheaper
P/B0.19× · Cheapest 25%
P/S (TTM)0.54× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 34
FUTURE (revenue growth)100· sector 96
PAST (return on equity)0· sector 30
HEALTH (low debt)94· sector 94
DIVIDEND (yield)0· sector 43
VALUE 0: the price sits above our fair-value range.
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.
Cite: Fair Value Calculator (2026). "CASH Financial Services Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/0510
Frequently asked questions
Is CASH Financial Services Group Ltd (0510) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of HK$0.2700 versus a price of HK$0.4150, about −35% upside (overvalued).
What is the fair value of 0510?
Our model-based fair value for CASH Financial Services Group Ltd is HK$0.2700 (as of Sep 27, 2026), built from audited fundamentals. The current price: HK$0.4150.
What is the quality score of 0510?
CASH Financial Services Group Ltd has a Quality Score of 31/100. 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 CASH Financial Services Group Ltd (0510)?
Our model-based price target is the fair value of HK$0.2700 (as of Sep 27, 2026) from 1 valuation models. Cautious scenario HK$0.2000, optimistic scenario HK$0.4100. It is a calculation from audited fundamentals, not an analyst target.
What is the CASH Financial Services Group Ltd stock forecast for 2026?
Our models put fair value at HK$0.2700, about −35% upside versus a price of HK$0.4150 (overvalued). Cautious scenario HK$0.2000, optimistic scenario HK$0.4100. The calculation is refreshed regularly with new filings.
What is the revenue of CASH Financial Services Group Ltd (0510)?
CASH Financial Services Group Ltd reported trailing-twelve-month revenue of about HK$62.4M (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of CASH Financial Services Group Ltd (0510)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For CASH Financial Services Group Ltd it is HK$0.2700 per share (as of Sep 27, 2026), against a price of HK$0.4150. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is CASH Financial Services Group Ltd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 0510 trades above its calculated fair value: price HK$0.4150, fair value HK$0.2700, a gap of about −35% (overvalued). 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 0510?
No. The price is what the market pays today (HK$0.4150); the fair value is what the company's own numbers justify (HK$0.2700). For CASH Financial Services Group Ltd the two are HK$0.1450 per share apart. That gap is exactly why we show both numbers side by side.
How much is CASH Financial Services Group Ltd worth?
The market values CASH Financial Services Group Ltd at about HK$263M (market capitalisation, as of Sep 27, 2026). Per share that is HK$0.4150; our models calculate a fair value of HK$0.2700 per share.
What do the bullish and bearish scenarios say about 0510?
Our models span a range for CASH Financial Services Group Ltd: cautious scenario HK$0.2000, base HK$0.2700, optimistic HK$0.4100 per share (as of Sep 27, 2026, price HK$0.4150). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of CASH Financial Services Group Ltd (0510)?
Balance-sheet figures for CASH Financial Services Group Ltd (as of Sep 27, 2026): return on equity −20.7%, debt of 0.13 per unit of equity. They feed the Quality Score of 31/100, which measures business quality independently of the share price.
How far is 0510 from its 52-week high?
CASH Financial Services Group Ltd trades at HK$0.4150, about 69% below its 52-week high of HK$1.32 and 14% above the low of HK$0.3650 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of HK$0.2700 is for.
Which stocks are comparable to CASH Financial Services Group Ltd?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, 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 CASH Financial Services Group Ltd stock attractive at the current price?
The data as of Sep 27, 2026: price HK$0.4150, calculated fair value HK$0.2700 (−35%), Quality Score 31/100, from 1 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 0510 calculated?
We run CASH Financial Services Group Ltd through 1 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$0.2700, 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 14.7 % above its aggregate fair value. CASH Financial Services Group Ltd itself currently trades above fair value. 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 CASH Financial Services Group Ltd (0510)?
The closing price on Sep 30, 2026 was HK$0.4150. Our model-based fair value is HK$0.2700, about −35% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with CASH Financial Services Group Ltd right now?
Weak quality (31/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range (HK$0.2000 to HK$0.4100) leaves room in how you read the outcome. 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 CASH Financial Services Group Ltd
How large is the market capitalisation of CASH Financial Services Group Ltd (0510)?
The market capitalisation of CASH Financial Services Group Ltd is HK$263M (≈ $33.5M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of CASH Financial Services Group Ltd (0510)?
The price-to-sales ratio of CASH Financial Services Group Ltd is 4.21 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of CASH Financial Services Group Ltd (0510)?
Earnings per share at CASH Financial Services Group Ltd are HK$−0.0300. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of CASH Financial Services Group Ltd (0510)?
The net margin of CASH Financial Services Group Ltd is −45.4% (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 CASH Financial Services Group Ltd (0510)?
The return on equity (ROE) of CASH Financial Services Group Ltd is −20.7% (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 CASH Financial Services Group Ltd (0510)?
On an EBIT basis the return on assets of CASH Financial Services Group Ltd is −4.5% (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 CASH Financial Services Group Ltd (0510)?
The operating margin of CASH Financial Services Group Ltd is −67.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at CASH Financial Services Group Ltd (0510)?
Revenue at CASH Financial Services Group Ltd is growing +92.5% versus a year earlier (3y avg +10.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does CASH Financial Services Group Ltd (0510) generate?
The free cash flow of CASH Financial Services Group Ltd is −HK$4.0M (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 CASH Financial Services Group Ltd (0510) hold?
CASH Financial Services Group Ltd holds more cash than debt, HK$19.5M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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