Tong Tong AI Social Group (0628) Fair Value & Analysis
Financial Services · HK · Market cap HK$1.8B
Fair value as of: Aug 13, 2026
From 9 valuation models · updated 2 days ago
Share price +26.0% over the past month.
Below-average quality, and screening another 29% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (HK$0.2210). 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.
- A fairly wide model range (HK$0.1105 to HK$0.2210) leaves room in how you read the outcome.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range HK$0.0730 – HK$1.25 · fair‑value band HK$0.1105 – HK$0.2210 · the HK$0.3100 price screens above the HK$0.2210 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Tong Tong AI Social Group (0628) currently trades at HK$0.3100, while our model-based Fair Value estimate is HK$0.2210, implying the stock looks roughly 28.7% overvalued today. The Quality Score stands at 31/100 (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, Tong Tong AI Social Group 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 Aug 13, 2026
Our scenario range runs from HK$0.1105 (bear case) to HK$0.2210 (bull case); at HK$0.3100, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 48% below its 52-week high and 93% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -45% fair-value upside, at -29%, 0628 screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 9 models by family
Widest divergence: DCF Models (HK$0.4900) versus Dividend Discount (HK$0.0400). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 30 · Market factors (momentum, volatility) 42
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Tong Tong AI Social Group 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.
0628 screens 29% overvalued. Compare with Visa Inc →
Peer Group
Credit Services · 333 stocks
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.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.42 | $198.27 | -45% |
| Mastercard Incorporated MA | $561.44 | $221.87 | -60% |
| Bajaj Finance Limited BAJFINANCE | ₹1,094 | ₹397.61 | -64% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,117 | ₹553.83 | -50% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,918 | ₹796.52 | -58% |
| Tata Capital Limited TATACAP | ₹367.05 | ₹149.40 | -59% |
| Power Finance Corporation PFC | ₹376.50 | ₹615.85 | +64% |
| Muthoot Finance Limited MUTHOOTFIN | ₹2,876 | ₹3,429 | +19% |
| Indian Railway Finance Corporation IRFC | ₹88.35 | ₹69.72 | -21% |
| REC Limited RECLTD | ₹346.00 | ₹692.00 | +100% |
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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.
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