0628 (0628) Fair Value & Analysis

Financial Services · Market cap HK$1.8B

0 0628 0628 · HK

PriceHK$0.3500

Fair ValueHK$0.2900

Upside-17.1%

Quality45/100

Evidence: Medium Range HK$0.1300 – HK$0.2900

Fair value as of: Jul 2, 2026

From 17 valuation models · updated today

Share price −25.5% over the past month.

Price vs Fair Value (12 months)

12‑month range HK$0.1700 – HK$0.5700 · fair‑value band HK$0.1300 – HK$0.2900 · the HK$0.3500 price screens above the HK$0.2900 fair value. As of Jul 2, 2026.

✦ Which stocks are undervalued right now? Check free Discover now →

Analysis

0628 (0628) currently trades at HK$0.3500, while our model-based Fair Value estimate is HK$0.2900 — implying the stock looks roughly 17.1% overvalued today. We read business quality at 45/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).

Over the trailing twelve months, 0628 generated revenue of HK$414M at a net margin of 14.9%. Revenue grew 2.3% year over year. It earns a return on equity of 0.4%. Net debt stands at HK$126M. Fundamentals as of Jul 2, 2026

Key figures & financial health

Revenue (TTM) HK$414M

Revenue growth (YoY) +2.3%

Net margin 14.9%

Return on equity 0.4%

Free cash flow −HK$18.4M FY2025

P/E ratio 35.0

More key figures

Operating margin 1.1%

EPS (TTM) HK$0.0100

EPS growth (YoY) +108%

Net debt HK$126M FY2025

Figures from reported company fundamentals (EODHD) · as of Jul 2, 2026. TTM = trailing twelve months.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

0628 reported revenue of HK$429M in FY2025 versus HK$95.5M in FY2021, a compound +45.6%/yr. Reported net income was HK$60.1M in FY2025.

Revenue +45.6%/yr

FY21 HK$95.5M

FY22 HK$95.3M

FY23 HK$91.0M

FY24 HK$270M

FY25 HK$429M

Net income

FY21 −HK$128M

FY22 −HK$5.6M

FY23 HK$37.0M

FY24 HK$39.6M

FY25 HK$60.1M

Is 0628 fairly valued? → Check now

Similar stocks

6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 2, 2026).

Stock	Price	Fair Value	vs Fair Value
Visa Inc V	5,663 MXN	3,002 MXN	-47%
Mastercard Incorporated MA	C$29.95	C$17.76	-41%
M4I M4I	€430.50	€367.81	-15%
American Express Company AXP	C$28.87	C$17.03	-41%
Capital One Financial Corporation COF	$200.70	$125.08	-38%
Bajaj Finance Limited BAJFINANCE	₹884.10	₹604.72	-32%

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks Technology Financial Services Healthcare Consumer Cyclical Consumer Defensive Communication Services Industrials Energy Basic Materials Real Estate Utilities Deeply Undervalued Stocks Undervalued Blue-Chip Stocks Undervalued Small-Cap Stocks

Frequently asked questions

Is 0628 (0628) undervalued?

As of Jul 2, 2026, our model estimates a fair value of HK$0.2900 versus a price of HK$0.3500 — about −17% (overvalued). Model-based estimate, not financial advice.

What is the fair value of 0628?

Our model-based fair value for 0628 is HK$0.2900 (as of Jul 2, 2026), built from audited fundamentals. The current price is HK$0.3500.

What is the quality score of 0628?

0628 has a Quality Score of 45/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

What is the revenue of 0628 (0628)?

0628 reported trailing-twelve-month revenue of about HK$414M (latest available figure, as of Jul 2, 2026).

What is the net profit margin of 0628?

The net profit margin of 0628 is about 14.9%, meaning it keeps roughly 14.9% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.