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CASH Financial Services Group Ltd (0510) fair value: what the stock is really worth

As of Nov 13, 2026: fair value (intrinsic value) of CASH Financial Services Group Ltd stock HK$0.45, price HK$0.55, that is 17.5% below the price, quality 35 out of 100. Rating: overvalued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

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Financial Services HK · ISIN BMG1932V2128

CF CASH Financial Services Group Ltd logo Thin data Nov 10, 2026

CASH Financial Services Group Ltd

0510 · HK

Expensive (fair value 18% below the price), weak company and falling price: meets none of the 3 rules.

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Low debt 
Revenue last quarter +39% vs. a year ago. 
Fair value HK$0.4540 · Overvalued 
Quality 35/100 
Falling price (downtrend) 
Weak Growth (revenue 5y −4.9 %/yr in HKD) 
Loss-making · -58.2% net margin (TTM) 
Negative free cash flow 
Trails peers (2/10) 
Narrow moat 8/100 · thin data
Thin data 
Estimate
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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$1.32 HK$0.1460 Fair Value HK$0.4540 Nov 2020 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.

How to read this chart

60‑month range HK$0.1460 – HK$1.32 · fair‑value band HK$0.3405 – HK$0.5675 · the HK$0.5500 price screens above the HK$0.4540 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 10, 2026.

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Company profile

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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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$0.5500, while our estimate is HK$0.4540, 18% below the price, so the stock looks overvalued today.

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Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: HK$0.3405 (bear) to HK$0.5675 (bull), the price of HK$0.5500 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 35/100 (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$232M (≈ $29.5M) Micro · P/S ratio 2.57 · Net margin −45.4% · Return on equity −24.1% · Return on assets (EBIT) −4.5% (5-year average) · Operating margin −67.0% · Revenue (TTM) HK$70.5M · Revenue growth (YoY) +39.3%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 8 out of 100 (low confidence).

What moves the price

The share trades about 26% below its 52-week high and 51% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −8% fair-value upside, at −18%, 0510 screens richer than that median.

Fair Value

Bear HK$0.3405 Fair Value HK$0.4540 Bull HK$0.5675
Price HK$0.5500 · Downside -17.5%
Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 35/100

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

Profitability 3
How much profit the company makes from its sales and capital
Quality Growth 45
Are margins and returns getting better?
Cashflow 1
Do the profits arrive as real cash?
Financial strength 49
Debt, balance sheet and risk of trouble
Investment 100
Does it invest with discipline instead of growing at any price?
Low Volatility 50
How calm the share price moves, does not count
Price momentum 38
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 39
Distance to the 52-week high, does not count
New shares 49
Buys back shares or issues new ones?

Open the full quality analysis →

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. 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%
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
not computed

0510 screens overvalued: fair value 18% below the price. Compare with Morgan Stanley →

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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 · 454 stocks

Beats the industry median on 2/9 measures
Overall it trails its industry peers.
Valuation
Quality Score 35 · Bottom 25%
Fair Value upside −17.5% · Below median
Profitability
Return on assets −5.3% · Bottom 25%
Net margin (12 months) −58.2% · Bottom 25%
Operating margin (12 months) −67.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 39.3% · Above median
Balance sheet
Debt / equity 0.13× · Above median

Valuation Multiplesvs Capital Markets median · lower = cheaper

P/B 1.29× · Pricier than median
P/S (12 months) 3.29× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)10 · sector 34
FUTURE (revenue growth)100 · sector 56
PAST (return on equity)0 · sector 32
HEALTH (low debt)94 · sector 94
DIVIDEND (yield)0 · sector 46

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 Capital Markets stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Morgan Stanley MS $190.65 $261.66 +37% vs 0510
The Charles Schwab Corporation SCHW $92.98 $117.60 +26% vs 0510
Guotai Haitong Securities Co 601211 ¥16.08 ¥18.02 +12% vs 0510
Nomura Holdings NMR $9.70 $10.09 +4% vs 0510
The Goldman Sachs Group GS $916.56 $843.12 −8% vs 0510
CITIC Securities Company 600030 ¥25.00 ¥20.42 −18% vs 0510
Robinhood Markets, Inc HOOD $77.86 $47.60 −39% vs 0510
Macquarie Group MQG A$244.17 A$144.90 −41% vs 0510
East Money Information Co 300059 ¥18.29 ¥6.72 −63% vs 0510
Interactive Brokers Group IBKR $81.79 $16.66 −80% vs 0510

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CASH Financial Services Group Ltd: fair value per Fair Value Calculator

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 Nov 10, 2026, our estimate of fair value is HK$0.4540 versus a price of HK$0.5500, about 18% lower (overvalued).
What is the fair value of 0510?
Our estimate for CASH Financial Services Group Ltd is HK$0.4540 (as of Nov 10, 2026), built from audited fundamentals. The current price: HK$0.5500.
What is the quality score of 0510?
CASH Financial Services Group Ltd has a Quality Score of 35/100. 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 calculated price target is the estimate of HK$0.4540 (as of Nov 10, 2026). Cautious scenario HK$0.3405, optimistic scenario HK$0.5675. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.
What is the CASH Financial Services Group Ltd stock forecast for 2026?
Our estimate puts fair value at HK$0.4540, about 18% lower versus a price of HK$0.5500 (overvalued). Cautious scenario HK$0.3405, optimistic scenario HK$0.5675. 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$70.5M (latest available figure, as of Nov 10, 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$0.4540 per share (as of Nov 10, 2026), against a price of HK$0.5500.
Is CASH Financial Services Group Ltd stock overvalued or undervalued in 2026?
As of Nov 10, 2026, 0510 trades above its calculated fair value: price HK$0.5500, fair value HK$0.4540, a gap of about −18% (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$0.5500); the fair value is what the company's own numbers justify (HK$0.4540). For CASH Financial Services Group Ltd the two are HK$0.0960 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$232M (market capitalisation, as of Nov 10, 2026). Per share that is HK$0.5500; our models calculate a fair value of HK$0.4540 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$0.3405, base HK$0.4540, optimistic HK$0.5675 per share (as of Nov 10, 2026, price HK$0.5500). 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 Nov 10, 2026): return on equity −24.1%, debt of 0.13 per unit of equity. They feed the Quality Score of 35/100, 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$0.5500, about 26% below its 52-week high of HK$0.7400 and 51% above the low of HK$0.3650 (as of Nov 13, 2026). Distance from the high says nothing about value: that is what the fair value of HK$0.4540 is for.
Which stocks are comparable to CASH Financial Services Group Ltd?
From the same area (Financial Services) we also value Morgan Stanley, 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 Nov 10, 2026: price HK$0.5500, calculated fair value HK$0.4540 (−18%), Quality Score 35/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1% 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 Nov 13, 2026 was HK$0.5500. Our estimate is HK$0.4540, about 18% lower (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 (35/100) and above fair value at the same time, the margin of safety is missing on both counts. 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 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$232M (≈ $29.5M). 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 2.57 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
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 −24.1% (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 −67.0% (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 39.3% 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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