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Gome Finance Technology Co Ltd (0628) fair value: what the stock is really worth

As of Nov 13, 2026: fair value (intrinsic value) of Gome Finance Technology Co Ltd stock HK$0.21, price HK$0.23, that is 7.1% below the price, quality 37 out of 100. Rating: fairly valued. Calculated from audited financials with 7 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services HK · ISIN BMG4053L1046

GF Gome Finance Technology Co Ltd logo Thin data Nov 13, 2026

Gome Finance Technology Co Ltd

0628 · HK

Rising price, but the stock is already about fairly priced and weak company: meets 1 of 3 rules.

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Rising price (uptrend) 
Solidly profitable · 19.0% net margin (TTM) 
Low debt 
Last quarter vs. a year ago: revenue +16%, profit +73%. 
Fair value HK$0.2100 · Fairly valued 
Expensive Growth (revenue 5y +30.4 %/yr in CNY) 
Mixed vs. peers (5/12) 
Quality 37/100 
Negative free cash flow 
Narrow moat 31/100
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$0.6900 HK$0.0730 Fair Value HK$0.2100 May 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 13, 2026.

How to read this chart

60‑month range HK$0.0730 – HK$0.6900 · fair‑value band HK$0.1300 – HK$0.3300 · the HK$0.2260 price screens above the HK$0.2100 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 13, 2026.

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Company profile

Tong Tong AI Social Group Limited, an investment holding company, engages in the provision of commercial factoring and other financial services in the People's Republic of China.

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It operates through three segments: Digital Internet Platform Business, Digital Content Ecosystem Business, and Financial Technology Services Business.

The Digital Internet Platform Business includes social commerce platforms and business ecosystem collaboration platforms, leveraging technologies such as artificial intelligence, blockchain, metaverse, Web 3.0, and augmented/virtual reality to create a multidimensional, interconnected digital ecosystem centered on the Tongtong APP, which offers users social networking, e-commerce, and cross-merchant asset interoperability services.

The Digital Content Ecosystem Business encompasses game development and distribution, film and television production, and digital marketing, offering mini-casual games, online advertising, virtual items, and a variety of youth-oriented short dramas.

The Financial Technology Services Business provides commercial factoring and other financing services, such as supply chain finance. It also provides online advertising services, top-up services, value-added telecommunication services, online data and transaction processing services.

In addition, the company engages in internet-based AI social platform services, game development, and global publishing, such as Tongtong APP, Lehoo Verse, and CashBox. The company was formerly known as Gome Finance Technology Co., Ltd. and changed its name to Tong Tong AI Social Group Limited in October 2024.

Tong Tong AI Social Group Limited was incorporated in 2002 and is headquartered in Central, Hong Kong.

Stock analysis

Gome Finance Technology Co Ltd (0628) currently trades at HK$0.2260, while our model-based Fair Value estimate is HK$0.2100, so the stock looks roughly fairly valued today (gap 7.6%).

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Valuation

Bull case: the Earnings-Based group reads highest at a median of HK$0.4400 per share, and 5 of the 7 models we run sit above the HK$0.2260 price.

Bear case: the DCF Models group reads lowest at HK$0.2100, and 2 of the 7 models stay below the price. Data coverage for this calculation is low.

Scenario range: HK$0.1300 (bear) to HK$0.3300 (bull), the price of HK$0.2260 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 37/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Gome Finance Technology Co Ltd reported revenue of 429M CNY in FY2025 versus 95.5M CNY in FY2021, a compound +45.6%/yr. Reported net income was 60.1M CNY in FY2025.

Key figures

Market cap HK$1.2B (≈ $155M) Micro · P/E ratio 12.5 · P/S ratio 1.75 · Net margin 14.0% · Return on equity 1.6% · Return on assets (EBIT) 2.0% (5-year average) · Operating margin −0.6% · Revenue (TTM) 446M CNY.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 31 out of 100 (medium confidence).

What moves the price

The share trades about 60% below its 52-week high and 33% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −6% fair-value upside, at −7%, 0628 screens richer than that median.

Fair Value models

Bear HK$0.1300 Fair Value HK$0.2100 Bull HK$0.3300
Price HK$0.2260 · Downside -7.1%
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
Owner Earnings HK$0.1000 HK$0.2100 HK$0.3800 72
Residual Income HK$0.3000 HK$0.3100 HK$0.3300 71
Graham-Dodd HK$0.0900 HK$0.6200 HK$0.8700 63
All 7 models by family
DCF Models
Owner Earnings HK$0.1000 HK$0.2100 HK$0.3800 72
Earnings-Based
Graham-Dodd HK$0.0900 HK$0.6200 HK$0.8700 63
Lynch FV HK$0.1800 HK$0.2600 HK$0.3400 61
Multiples
P/E Multiple HK$0.1300 HK$0.1800 HK$0.2200 63
P/B Multiple HK$0.2400 HK$0.3100 HK$0.3900 55
Asset-Based
NCAV (Graham) HK$0.2400 HK$0.3700 HK$0.4600 54
Economic Profit
Residual Income HK$0.3000 HK$0.3100 HK$0.3300 71

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Quality Score breakdown

Overall quality 37/100

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

Profitability 28
How much profit the company makes from its sales and capital
Quality Growth 47
Are margins and returns getting better?
Cashflow 2
Do the profits arrive as real cash?
Financial strength 53
Debt, balance sheet and risk of trouble
Investment 63
Does it invest with discipline instead of growing at any price?
Low Volatility 40
How calm the share price moves, does not count
Price momentum 21
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 23
Distance to the 52-week high, does not count
New shares 41
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. 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+59.2%
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.
+65.2%
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.
+30.4%
Start year 2020 (pandemic). Over 10 years: +34.8% 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.
+6.4%
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.
+16.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+16.9%
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.16.9% vs 8.6%, 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.20% → 5%
Pace: the 5-year rate starts in 2020 (pandemic)
⚠ Revenue per share shrinking 1.2%/yr over ~10Y (margin trend unclear) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.

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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 · 326 stocks

Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 37 · Bottom 25%
Fair Value upside −7.1% · Below median
Profitability
Return on equity (12 months) 1.6% · Bottom 25%
Return on assets 4.1% · Above median
Net margin (12 months) 35.3% · Above median
Operating margin (12 months) −0.6% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 16.1% · Above median
Balance sheet
Debt / equity 0.06× · Lowest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (12 months) 12.5× · Pricier than median
P/B 0.45× · Cheapest 25%
P/S (12 months) 4.31× · Pricier than median
EV/EBITDA 98.3× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)24 · sector 46
FUTURE (revenue growth)81 · sector 57
PAST (return on equity)6 · sector 34
HEALTH (low debt)97 · sector 58
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.

Stock Price Fair Value vs Fair Value Compare
Synchrony Financial, SYF $72.25 $141.92 +96% vs 0628
PayPal Holdings PYPL $59.28 $107.45 +81% vs 0628
Shriram Finance Limited SHRIRAMFIN ₹970.00 ₹1,309 +35% vs 0628
Affirm Holdings AFRM $65.11 $72.55 +11% vs 0628
Bajaj Finance Limited BAJFINANCE ₹1,117 ₹1,055 −6% vs 0628
American Express Company AXP $320.60 $231.72 −28% vs 0628
Visa Inc V $425.76 $242.87 −43% vs 0628
Capital One Financial Corporation COF $195.08 $106.81 −45% vs 0628
Mastercard Incorporated MA $661.19 $360.13 −46% vs 0628
SoFi Technologies, Inc SOFI $15.42 $5.51 −64% vs 0628

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Gome Finance Technology Co Ltd: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Gome Finance Technology Co Ltd Fair Value". https://www.fairvalue-calculator.com/stock/0628

Frequently asked questions

Is Gome Finance Technology Co Ltd (0628) overvalued or undervalued?
As of Nov 13, 2026, our model estimates a fair value of HK$0.2100 versus a price of HK$0.2260, about 7% lower (fairly valued).
What is the fair value of 0628?
Our model-based fair value for Gome Finance Technology Co Ltd is HK$0.2100 (as of Nov 13, 2026), built from audited fundamentals. The current price: HK$0.2260.
What is the quality score of 0628?
Gome Finance Technology Co Ltd has a Quality Score of 37/100. 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 Gome Finance Technology Co Ltd (0628)?
Our model-based price target is the fair value of HK$0.2100 (as of Nov 13, 2026) from 7 valuation models. Cautious scenario HK$0.1300, optimistic scenario HK$0.3300. It is a calculation from audited fundamentals, not an analyst target.
What is the Gome Finance Technology Co Ltd stock forecast for 2026?
Our models put fair value at HK$0.2100, about 7% lower versus a price of HK$0.2260 (fairly valued). Cautious scenario HK$0.1300, optimistic scenario HK$0.3300. The calculation is refreshed regularly with new filings.
What is the revenue of Gome Finance Technology Co Ltd (0628)?
Gome Finance Technology Co Ltd reported trailing-twelve-month revenue of about 446M CNY (latest available figure, as of Nov 13, 2026).
What is the intrinsic value of Gome Finance Technology Co Ltd (0628)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Gome Finance Technology Co Ltd it is HK$0.2100 per share (as of Nov 13, 2026), against a price of HK$0.2260. It is the blended result of 7 valuation models in 5 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Economic Profit).
Is Gome Finance Technology Co Ltd stock overvalued or undervalued in 2026?
As of Nov 13, 2026, 0628 trades above its calculated fair value: price HK$0.2260, fair value HK$0.2100, a gap of about −7% (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 0628?
No. The price is what the market pays today (HK$0.2260); the fair value is what the company's own numbers justify (HK$0.2100). For Gome Finance Technology Co Ltd the two are HK$0.0160 per share apart. That gap is exactly why we show both numbers side by side.
How much is Gome Finance Technology Co Ltd worth?
The market values Gome Finance Technology Co Ltd at about HK$1.2B (market capitalisation, as of Nov 13, 2026). Per share that is HK$0.2260; our models calculate a fair value of HK$0.2100 per share.
What do the bullish and bearish scenarios say about 0628?
Our models span a range for Gome Finance Technology Co Ltd: cautious scenario HK$0.1300, base HK$0.2100, optimistic HK$0.3300 per share (as of Nov 13, 2026, price HK$0.2260). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 0628?
Gome Finance Technology Co Ltd trades at a price-to-earnings ratio of 12.5 (as of Nov 13, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of HK$0.2100 is built from several models across several years. Other multiples: P/B 0.5, P/S 4.3, EV/EBITDA 98.3.
How solid is the balance sheet of Gome Finance Technology Co Ltd (0628)?
Balance-sheet figures for Gome Finance Technology Co Ltd (as of Nov 13, 2026): return on equity 1.6%, debt of 0.06 per unit of equity. They feed the Quality Score of 37/100, which measures business quality independently of the share price.
How far is 0628 from its 52-week high?
Gome Finance Technology Co Ltd trades at HK$0.2260, about 60% below its 52-week high of HK$0.5700 and 33% above the low of HK$0.1700 (as of Nov 13, 2026). Distance from the high says nothing about value: that is what the fair value of HK$0.2100 is for.
Which stocks are comparable to Gome Finance Technology Co Ltd?
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 Gome Finance Technology Co Ltd stock attractive at the current price?
The data as of Nov 13, 2026: price HK$0.2260, calculated fair value HK$0.2100 (−7%), Quality Score 37/100, from 7 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 0628 calculated?
We run Gome Finance Technology Co Ltd through 7 models from 5 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of HK$0.2100 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 13.9% above its aggregate fair value. Gome Finance Technology Co 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 Gome Finance Technology Co Ltd (0628)?
The closing price on Nov 13, 2026 was HK$0.2260. Our model-based fair value is HK$0.2100, about 7% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Gome Finance Technology Co Ltd 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$0.1300 to HK$0.3300) 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 Gome Finance Technology Co Ltd

How large is the market capitalisation of Gome Finance Technology Co Ltd (0628)?
The market capitalisation of Gome Finance Technology Co Ltd is HK$1.2B (≈ $155M). 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 Gome Finance Technology Co Ltd (0628)?
The price-to-sales ratio of Gome Finance Technology Co Ltd is 1.75 (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 Gome Finance Technology Co Ltd (0628)?
The net margin of Gome Finance Technology Co Ltd is 14.0% (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 Gome Finance Technology Co Ltd (0628)?
The return on equity (ROE) of Gome Finance Technology Co Ltd is 1.6% (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 Gome Finance Technology Co Ltd (0628)?
On an EBIT basis the return on assets of Gome Finance Technology Co Ltd is 2.0% (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 Gome Finance Technology Co Ltd (0628)?
The operating margin of Gome Finance Technology Co Ltd is −0.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Gome Finance Technology Co Ltd (0628)?
Revenue at Gome Finance Technology Co Ltd is growing +16.1% versus a year earlier (3y avg +65.2%). 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 Gome Finance Technology Co Ltd (0628)?
Earnings per share at Gome Finance Technology Co Ltd are growing +72.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Gome Finance Technology Co Ltd (0628) generate?
The free cash flow of Gome Finance Technology Co Ltd is −18.4M CNY (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Gome Finance Technology Co Ltd (0628) carry?
The net debt of Gome Finance Technology Co Ltd is 126M CNY (fiscal year 2025). 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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