Gome Finance Technology Co Ltd (0628) fair value: what the stock is really worth
As of Sep 29, 2026: fair value of Gome Finance Technology Co Ltd HK$0.20, price HK$0.29, upside -32.6%, 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$0.0730 – HK$0.8600 · fair‑value band HK$0.1105 – HK$0.2465 · the HK$0.2900 price screens above the HK$0.1955 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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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. It operates through three segments: Digital Internet Platform Business, Digital Content Ecosystem Business, and Financial Technology Services Business.
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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. 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$0.2900, while our model-based Fair Value estimate is HK$0.1955, 32.6% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of HK$0.4900 per share, and 5 of the 7 models we run sit above the HK$0.2900 price.
Bear case: the Multiples group reads lowest at HK$0.1800, and 2 of the 7 models stay below the price. Evidence for this calculation is low.
Scenario range: HK$0.1105 (bear) to HK$0.2465 (bull), the price of HK$0.2900 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.
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$1.8B (≈ $232M) · P/E ratio 29.0 · P/S ratio 4.06 · EPS (TTM) HK$0.0100 · Net margin 14.0% · Return on equity 0.4% · Return on assets (EBIT) 2.0% · Operating margin 1.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).
What moves the price
The share trades about 49% below its 52-week high and 71% 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 −33%, 0628 screens richer than that median.
Fair Value models
Bear HK$0.1105Fair Value HK$0.1955Bull HK$0.2465
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. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (HK$0.0075 per share) are deliberately not added.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.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%
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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%
Start year 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.
Compare Gome Finance Technology Co Ltd with another stock
Price, fair value, quality and upside side by side.
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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 · 333 stocks
Beats the industry median on 2/11 measures
Overall it trails its industry peers.
Valuation
Quality Score29 · Bottom 25%
Fair Value upside−32.6% · Below median
Profitability
Return on equity (TTM)0.4% · Bottom 25%
Return on assets−0.1% · Bottom 25%
Net margin (TTM)14.9% · Below median
Operating margin (TTM)1.1% · Bottom 25%
Growth and dividend
Revenue growth2.3% · Below median
Balance sheet
Debt / equity0.06× · Lowest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (TTM)29.0× · Priciest 25%
P/B0.68× · Cheaper than median
P/S (TTM)3.76× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 50
FUTURE (revenue growth)12· sector 46
PAST (return on equity)2· sector 32
HEALTH (low debt)97· sector 59
DIVIDEND (yield)0· sector 65
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). "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 Sep 27, 2026, our model estimates a fair value of HK$0.1955 versus a price of HK$0.2900, about −33% upside (overvalued).
What is the fair value of 0628?
Our model-based fair value for Gome Finance Technology Co Ltd is HK$0.1955 (as of Sep 27, 2026), built from audited fundamentals. The current price: HK$0.2900.
What is the quality score of 0628?
Gome Finance Technology Co 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 Gome Finance Technology Co Ltd (0628)?
Our model-based price target is the fair value of HK$0.1955 (as of Sep 27, 2026) from 7 valuation models. Cautious scenario HK$0.1105, optimistic scenario HK$0.2465. 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$0.1955, about −33% upside versus a price of HK$0.2900 (overvalued). Cautious scenario HK$0.1105, optimistic scenario HK$0.2465. 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 414M CNY (latest available figure, as of Sep 27, 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$0.1955 per share (as of Sep 27, 2026), against a price of HK$0.2900. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Gome Finance Technology Co Ltd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 0628 trades above its calculated fair value: price HK$0.2900, fair value HK$0.1955, a gap of about −33% (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 0628?
No. The price is what the market pays today (HK$0.2900); the fair value is what the company's own numbers justify (HK$0.1955). For Gome Finance Technology Co Ltd the two are HK$0.0945 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$1.8B (market capitalisation, as of Sep 27, 2026). Per share that is HK$0.2900; our models calculate a fair value of HK$0.1955 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$0.1105, base HK$0.1955, optimistic HK$0.2465 per share (as of Sep 27, 2026, price HK$0.2900). 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 29.0 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of HK$0.1955 is built from several models across several years. Other multiples: P/B 0.7, P/S 3.8.
How solid is the balance sheet of Gome Finance Technology Co Ltd (0628)?
Balance-sheet figures for Gome Finance Technology Co Ltd (as of Sep 27, 2026): return on equity 0.4%, debt of 0.06 per unit of equity. They feed the Quality Score of 31/100, 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$0.2900, about 49% below its 52-week high of HK$0.5700 and 71% above the low of HK$0.1700 (as of Sep 29, 2026). Distance from the high says nothing about value: that is what the fair value of HK$0.1955 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 Sep 27, 2026: price HK$0.2900, calculated fair value HK$0.1955 (−33%), Quality Score 31/100, 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 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$0.1955, 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 14.9 % 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 Sep 29, 2026 was HK$0.2900. Our model-based fair value is HK$0.1955, about −33% upside (overvalued). 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 above even our optimistic bull case (HK$0.2465). The favourable scenario is already priced in. 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$0.1105 to HK$0.2465) leaves room in how you read the outcome.
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$1.8B (≈ $232M). 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 4.06 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Gome Finance Technology Co Ltd (0628)?
Earnings per share at Gome Finance Technology Co Ltd are HK$0.0100 (price ÷ EPS = P/E 29.0). Earnings per share over the last twelve months: total profit spread across every single share.
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 0.4% (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 1.1% (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 +2.3% 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 +108% 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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