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China Tian Yuan Healthcare Group Limited (0557) fair value: what the stock is really worth

As of Oct 28, 2026: fair value (intrinsic value) of China Tian Yuan Healthcare Group Limited stock HK$0.47, price HK$0.50, upside -5.1%, quality 62 out of 100. Rating: fairly valued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value 30%+ above price?No
  2. Quality 50+?Yes
  3. In an uptrend?No
  4. Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free

Financial Services · HK · ISIN KYG8442J1004

CT China Tian Yuan Healthcare Group Limited logo Thin data Oct 23, 2026

China Tian Yuan Healthcare Group Limited

0557 · HK

NeutralThe stock looks roughly fairly valued with average quality.

The stock costs about what our calculation considers fair.

Quality 62/100
Low debt
Generates free cash flow
Fair value HK$0.4700 · Fairly valued (−5.1%)
Weak Growth (revenue 5y −19.4 %/yr in HKD)
Loss-making · -86.9% net margin (TTM)
Trails peers (3/11)
Narrow moat 15/100 · thin data
Thin data
⚠ Thinly traded

What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

HK$6.25 HK$0.4050 Fair Value HK$0.4700 Feb 2016 Oct 2026

White line = price, green steps = our fair value per fiscal year. As of Oct 23, 2026.

How to read this chart

60‑month range HK$0.4050 – HK$6.25 · fair‑value band HK$0.3600 – HK$0.6500 · the HK$0.4950 price screens above the HK$0.4700 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 23, 2026.

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Company profile

China Tian Yuan Healthcare Group Limited, an investment holding company, provides healthcare related services in Hong Kong, the People's Republic of China, and Korea. It operates through Healthcare, Money Lending and Related Business, and Hospitality segments.

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The company offers procurement, marketing, and management services to the healthcare industry; and plastic surgery and medical beauty services, as well as optimal functionality for the properties; custom solutions, such as custom booking engines, website design and development, cutting-edge applications, and independent hotel management services.

It also invests in equity investments; offers loans and related services; refers and introduces of lenders and borrowers; and provides procurement services to the hospitality industry. In addition, the company offers money lending and healthcare related services.

The company was formerly known as City e-Solutions Limited and changed its name to China Tian Yuan Healthcare Group Limited in November 2017. China Tian Yuan Healthcare Group Limited was incorporated in 1990 and is based in Wan Chai, Hong Kong.

China Tian Yuan Healthcare Group Limited is a subsidiary of Tian Yuan Manganese Limited.

Stock analysis

China Tian Yuan Healthcare Group Limited (0557) currently trades at HK$0.4950, while our model-based Fair Value estimate is HK$0.4700, so the stock looks roughly fairly valued today (gap 5.3%).

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Valuation

Bull case: the Asset-Based group reads highest at a median of HK$0.2700 per share, and 0 of the 3 models we run sit above the HK$0.4950 price.

Bear case: the Growth DCF group reads lowest at HK$0.2500, and 3 of the 3 models stay below the price. Data coverage for this calculation is low.

Scenario range: HK$0.3600 (bear) to HK$0.6500 (bull), the price of HK$0.4950 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 62/100 (solid quality), in the Financial Services sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

China Tian Yuan Healthcare Group Limited reported revenue of HK$19.2M in FY2025 versus HK$94.6M in FY2021, a compound −32.9%/yr. Reported net income was −HK$34.0M in FY2025.

Key figures

Market cap HK$197M (≈ $25.2M) Micro · P/S ratio 6.54 · Return on equity −19.1% · Return on assets (EBIT) −5.4% · Operating margin 4.0% · Revenue (TTM) HK$30.8M · Revenue growth (YoY) +138% · Free cash flow HK$9.1M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 15 out of 100 (low confidence).

What moves the price

The share trades about 42% below its 52-week high and 22% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at −5%, 0557 screens richer than that median.

Fair Value models

Bear HK$0.3600 Fair Value HK$0.4700 Bull HK$0.6500
Price HK$0.4950 · Upside -5.1%
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
Growth DCF HK$0.3600 HK$0.4700 HK$0.6500 79
Rev-Margin DCF HK$0.2200 HK$0.2500 HK$0.2900 74
NCAV (Graham) HK$0.1800 HK$0.2700 HK$0.3300 55
All 3 models by family
Asset-Based
NCAV (Graham) HK$0.1800 HK$0.2700 HK$0.3300 55
Growth DCF
Growth DCF HK$0.3600 HK$0.4700 HK$0.6500 79
Rev-Margin DCF HK$0.2200 HK$0.2500 HK$0.2900 74

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Quality Score breakdown

Overall quality 62/100

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

Profitability 2
How much profit the company makes from its sales and capital
Quality Growth 34
Are margins and returns getting better?
Cashflow 100
Do the profits arrive as real cash?
Financial strength 80
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
Momentum 23
Price trend of the last 3 to 12 months, does not count
Near the 52-week high 10
Distance to the 52-week high, does not count
New shares 82
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. 23/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−28.6%
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.
−29.3%
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.
−19.4%
Start year 2020 (pandemic). Over 10 years: −14.5% a year
Revenue growth 25 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.
−8.1%
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.
−77.0% (2020) → −63.0% (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

Growth Forecast

A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+6.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Hong Kong: IMF forecast 2.1% a year to 2030, 1.8% from 2016 to 2025) that is about +4.0% a year for the price.

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Compare China Tian Yuan Healthcare Group Limited 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.Credit Services · 324 stocks

Beats the industry median on 2/9 measures
Overall it trails its industry peers.
Valuation
Quality Score 62 · Above median
Fair Value upside −5.1% · Below median
Profitability
Return on assets −15.1% · Bottom 25%
Net margin (12 months) −86.9% · Bottom 25%
Operating margin (12 months) 4.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 137.6% · Top 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/B 1.23× · Pricier than median
P/S (12 months) 6.41× · Priciest 25%
Price / free cash flow 21.7× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)27 · sector 63
FUTURE (revenue growth)100 · sector 48
PAST (return on equity)0 · sector 32
HEALTH (low debt)100 · sector 55
DIVIDEND (yield)0 · sector 63

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 Credit Services stocks, each showing price versus our Fair Value estimate.

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Synchrony Financial, SYF $74.97 $141.92 +89% vs 0557
PayPal Holdings PYPL $56.09 $104.33 +86% vs 0557
Shriram Finance Limited SHRIRAMFIN ₹823.60 ₹1,364 +66% vs 0557
Bajaj Finance Limited BAJFINANCE ₹912.00 ₹1,100 +21% vs 0557
Affirm Holdings AFRM $72.68 $79.95 +10% vs 0557
American Express Company AXP $312.91 $210.02 −33% vs 0557
Capital One Financial Corporation COF $203.44 $125.66 −38% vs 0557
Mastercard Incorporated MA $623.60 $358.13 −43% vs 0557
Visa Inc V $401.86 $221.09 −45% vs 0557
SoFi Technologies, Inc SOFI $16.40 $5.53 −66% vs 0557

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Cite: Fair Value Calculator (2026). "China Tian Yuan Healthcare Group Limited Fair Value". https://www.fairvalue-calculator.com/stock/0557

Frequently asked questions

Is China Tian Yuan Healthcare Group Limited (0557) overvalued or undervalued?
As of Oct 23, 2026, our model estimates a fair value of HK$0.4700 versus a price of HK$0.4950, about −5% upside (fairly valued).
What is the fair value of 0557?
Our model-based fair value for China Tian Yuan Healthcare Group Limited is HK$0.4700 (as of Oct 23, 2026), built from audited fundamentals. The current price: HK$0.4950.
What is the quality score of 0557?
China Tian Yuan Healthcare Group Limited has a Quality Score of 62/100. 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 China Tian Yuan Healthcare Group Limited (0557)?
Our model-based price target is the fair value of HK$0.4700 (as of Oct 23, 2026) from 3 valuation models. Cautious scenario HK$0.3600, optimistic scenario HK$0.6500. It is a calculation from audited fundamentals, not an analyst target.
What is the China Tian Yuan Healthcare Group Limited stock forecast for 2026?
Our models put fair value at HK$0.4700, about −5% upside versus a price of HK$0.4950 (fairly valued). Cautious scenario HK$0.3600, optimistic scenario HK$0.6500. The calculation is refreshed regularly with new filings.
What is the revenue of China Tian Yuan Healthcare Group Limited (0557)?
China Tian Yuan Healthcare Group Limited reported trailing-twelve-month revenue of about HK$30.8M (latest available figure, as of Oct 23, 2026).
What growth is priced into China Tian Yuan Healthcare Group Limited (0557)?
For today's price to be fair in a discounted-cash-flow model, China Tian Yuan Healthcare Group Limited would have to grow free cash flow by +6.2 % per year for five years (discount rate 9.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -19.4 % per year. As of Oct 23, 2026.
What discount rate (WACC) does the fair value of 0557 use?
Our models discount China Tian Yuan Healthcare Group Limited at 9.0 %: a base by market capitalisation (nano), damped by beta 0.45, country premium for Hong Kong. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For China Tian Yuan Healthcare Group Limited that is +6.2 % per year a year over ten years, using the same discount rate (9.0 %) and the same formula as our fair value.
How much growth has China Tian Yuan Healthcare Group Limited (0557) delivered so far?
Over the past 5 years revenue at China Tian Yuan Healthcare Group Limited grew -19.4 % a year. The price currently implies +6.2 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of China Tian Yuan Healthcare Group Limited (0557) growing?
The median revenue growth in the sector is +4.6 % a year. That is the yardstick for the growth priced into China Tian Yuan Healthcare Group Limited (+6.2 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of China Tian Yuan Healthcare Group Limited (0557)?
The free-cash-flow yield on the price is 4.62 %: that much free cash flow China Tian Yuan Healthcare Group Limited produces per unit of market value. When it exceeds the discount rate of our models (9.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of China Tian Yuan Healthcare Group Limited (0557)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For China Tian Yuan Healthcare Group Limited it is HK$0.4700 per share (as of Oct 23, 2026), against a price of HK$0.4950. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is China Tian Yuan Healthcare Group Limited stock overvalued or undervalued in 2026?
As of Oct 23, 2026, 0557 trades above its calculated fair value: price HK$0.4950, fair value HK$0.4700, a gap of about −5% (fairly valued). 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 0557?
No. The price is what the market pays today (HK$0.4950); the fair value is what the company's own numbers justify (HK$0.4700). For China Tian Yuan Healthcare Group Limited the two are HK$0.0250 per share apart. That gap is exactly why we show both numbers side by side.
How much is China Tian Yuan Healthcare Group Limited worth?
The market values China Tian Yuan Healthcare Group Limited at about HK$197M (market capitalisation, as of Oct 23, 2026). Per share that is HK$0.4950; our models calculate a fair value of HK$0.4700 per share.
What do the bullish and bearish scenarios say about 0557?
Our models span a range for China Tian Yuan Healthcare Group Limited: cautious scenario HK$0.3600, base HK$0.4700, optimistic HK$0.6500 per share (as of Oct 23, 2026, price HK$0.4950). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of China Tian Yuan Healthcare Group Limited (0557)?
Balance-sheet figures for China Tian Yuan Healthcare Group Limited (as of Oct 23, 2026): return on equity −19.1%. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is 0557 from its 52-week high?
China Tian Yuan Healthcare Group Limited trades at HK$0.4950, about 42% below its 52-week high of HK$0.8500 and 22% above the low of HK$0.4050 (as of Oct 28, 2026). Distance from the high says nothing about value: that is what the fair value of HK$0.4700 is for.
Which stocks are comparable to China Tian Yuan Healthcare Group Limited?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One 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 China Tian Yuan Healthcare Group Limited stock attractive at the current price?
The data as of Oct 23, 2026: price HK$0.4950, calculated fair value HK$0.4700 (−5%), Quality Score 62/100, from 3 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 0557 calculated?
We run China Tian Yuan Healthcare Group Limited through 3 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$0.4700, 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 13.4 % above its aggregate fair value. China Tian Yuan Healthcare Group Limited 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 China Tian Yuan Healthcare Group Limited (0557)?
The closing price on Oct 28, 2026 was HK$0.4950. Our model-based fair value is HK$0.4700, about −5% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with China Tian Yuan Healthcare Group Limited right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range (HK$0.3600 to HK$0.6500) leaves room in how you read the outcome. 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 China Tian Yuan Healthcare Group Limited

How large is the market capitalisation of China Tian Yuan Healthcare Group Limited (0557)?
The market capitalisation of China Tian Yuan Healthcare Group Limited is HK$197M (≈ $25.2M). 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 China Tian Yuan Healthcare Group Limited (0557)?
The price-to-sales ratio of China Tian Yuan Healthcare Group Limited is 6.54 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the return on equity of China Tian Yuan Healthcare Group Limited (0557)?
The return on equity (ROE) of China Tian Yuan Healthcare Group Limited is −19.1% (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 China Tian Yuan Healthcare Group Limited (0557)?
On an EBIT basis the return on assets of China Tian Yuan Healthcare Group Limited is −5.4% (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 China Tian Yuan Healthcare Group Limited (0557)?
The operating margin of China Tian Yuan Healthcare Group Limited is 4.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at China Tian Yuan Healthcare Group Limited (0557)?
Revenue at China Tian Yuan Healthcare Group Limited is growing +138% versus a year earlier (3y avg −29.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much net debt does China Tian Yuan Healthcare Group Limited (0557) carry?
The net debt of China Tian Yuan Healthcare Group Limited is HK$11.0M (fiscal year 2025, ≈ 1.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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