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Capital Industrial Financial Services Group Ltd (0730) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Capital Industrial Financial Services Group Ltd HK$8.36, price HK$5.98, upside +39.8%, quality 59 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Financial Services · HK · ISIN BMG8114P1032

CI Thin data Oct 4, 2026

Capital Industrial Financial Services Group Ltd

0730 · HK

UndervaluedThe stock appears undervalued with acceptable quality.

Fair value HK$8.36 · Undervalued (+39.8%)
Solidly profitable · 10.8% net margin (TTM)
Low debt
Quality 59/100
Mixed Growth (revenue YoY −6.5 %/yr in HKD)
2.5% dividend yield · Watch coverage
Mixed vs. peers (7/13)
Moderate moat 49/100
Negative free cash flow
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$13.37 HK$0.1170 Fair Value HK$8.36 Mar 2020 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 4, 2026.

How to read this chart

60‑month range HK$0.1170 – HK$13.37 · fair‑value band HK$5.57 – HK$10.45 · the HK$5.98 price screens below the HK$8.36 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 4, 2026.

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Company profile

Capital Industrial Financial Services Group Limited, an investment holding company, provides financial services in Mainland China and Hong Kong. The company operates through three segments: Sale and Leaseback Arrangements Services, Property Leasing Services, and Supply Chain Management and Financial Technology Business.

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Capital Industrial Financial Services Group Limited, an investment holding company, provides financial services in Mainland China and Hong Kong. The company operates through three segments: Sale and Leaseback Arrangements Services, Property Leasing Services, and Supply Chain Management and Financial Technology Business. The Sale and Leaseback Arrangements Services segment engages in the collateral financing business. The Property Leasing Services segment engages in rental of properties. The Supply Chain Management ang Financial Technology Business segment offers supply chain management and technology services, as well as trading of goods. It also offers property investment, administrative and management, and corporate financial advisory services. The company was formerly known as Shougang Concord Grand (Group) Limited and changed its name to Capital Industrial Financial Services Group Limited in April 2022. Capital Industrial Financial Services Group Limited was incorporated in 1991 and is based in Wan Chai, Hong Kong.

Stock analysis

Capital Industrial Financial Services Group Ltd (0730) currently trades at HK$5.98, while our model-based Fair Value estimate is HK$8.36, implying the stock looks roughly 28.5% undervalued today.

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Valuation

Bull case: the Earnings-Based group reads highest at a median of HK$12.95 per share, and 6 of the 9 models we run sit above the HK$5.98 price.

Bear case: the Dividend Discount group reads lowest at HK$1.66, and 3 of the 9 models stay below the price. Evidence for this calculation is low.

Scenario range: HK$5.57 (bear) to HK$10.45 (bull), the price of HK$5.98 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 59/100 (solid quality), in the Financial Services sector.

Mixed Growth: Spin-off in 2024: revenue and profit before it include the divested business. Growth is measured afresh from 2024.

Capital Industrial Financial Services Group Ltd reported revenue of HK$179M in FY2025 versus HK$1.9B in FY2021, a compound −44.6%/yr. Reported net income was HK$29.3M in FY2025, compounding +1.8%/yr from FY2021.

Key figures

Market cap HK$473M (≈ $60.3M) · P/E ratio 19.3 · P/S ratio 3.15 · Dividend yield 2.5% · Net margin 16.3% · Return on equity 1.7% · Return on assets (EBIT) 2.8% · Operating margin 33.0%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).

What moves the price

The share trades about 12% below its 52-week high and 7% 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 40%, 0730 screens cheaper than that median.

Fair Value models

Bear HK$5.57 Fair Value HK$8.36 Bull HK$10.45
Price HK$5.98 · Upside +39.8%
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. 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.
Highest evidence
Residual Income HK$11.58 HK$10.61 HK$10.17 72
Owner Earnings HK$8.10 HK$12.39 HK$19.88 71
Gordon GGM HK$1.04 HK$1.75 HK$2.27 64
All 9 models by family
DCF Models
Owner Earnings HK$8.10 HK$12.39 HK$19.88 71
Earnings-Based
Graham-Dodd HK$2.52 HK$17.55 HK$24.63 59
Lynch FV HK$9.07 HK$12.95 HK$16.84 57
Dividend Discount
Gordon GGM HK$1.04 HK$1.75 HK$2.27 64
DDM Multi-Stage HK$1.04 HK$1.66 HK$1.88 64
Multiples
P/E Multiple HK$3.61 HK$4.81 HK$6.01 63
P/B Multiple HK$4.72 HK$6.29 HK$7.86 55
Asset-Based
NCAV (Graham) HK$9.14 HK$12.25 HK$18.28 54
Economic Profit
Residual Income HK$11.58 HK$10.61 HK$10.17 72

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Quality Score breakdown

Overall quality 59/100

Of which business quality 54 · Market factors (momentum, volatility) 38

Profitability 25
Margins and returns on capital today
Quality Growth 36
Are margins and returns improving?
Cashflow 9
Earnings quality: real cash, not paper profit
Fin. Strength 88
Balance sheet, leverage, solvency risk
Investment 97
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 34
Price trend over the last 3–12 months (market factor)
52W Momentum 32
Distance to the 52-week high (market factor)
Net Issuance 100
Share count: buybacks or dilution?

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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. 55/100
Spin-off in 2024: revenue and profit before it include the divested business. Growth is measured afresh from 2024.
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.
+40.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+37.6%
Dividend (yield on the price)2.5%
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.37.6% vs −1.5%, picking up
Profit margin 2018 to 2024 ⓘ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.−114% → 26%
Start year 2020 (pandemic)

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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 · 330 stocks

Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 59 · Above median
Fair Value upside +39.8% · Above median
Profitability
Return on equity (TTM) 1.7% · Below median
Return on assets 1.6% · Below median
Net margin (TTM) 10.8% · Below median
Operating margin (TTM) 33.0% · Below median
Growth and dividend
Revenue growth 99.6% · Top 25%
Dividend yield (TTM) 2.5% · Below median
Balance sheet
Debt / equity 0.01× · Lowest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (TTM) 19.3× · Pricier than median
P/B 0.33× · Cheapest 25%
P/S (TTM) 2.08× · Cheaper than median
EV/EBITDA 2.9× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)86 · sector 53
FUTURE (revenue growth)100 · sector 52
PAST (return on equity)7 · sector 32
HEALTH (low debt)99 · sector 56
DIVIDEND (yield)50 · sector 64

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

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American Express Company AXP $304.10 $208.54 −31%
Capital One Financial Corporation COF $193.07 $125.94 −35%
Bajaj Finance Limited BAJFINANCE ₹948.30 ₹1,100 +16%
PayPal Holdings PYPL $53.06 $104.12 +96%
Shriram Finance Limited SHRIRAMFIN ₹994.10 ₹1,364 +37%
Affirm Holdings AFRM $70.77 $77.85 +10%
Synchrony Financial, SYF $71.77 $141.92 +98%
SoFi Technologies, Inc SOFI $15.72 $5.53 −65%

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Capital Industrial Financial Services Group Ltd · Fair Value
HK$8.36 +28%Fair Value
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Cite: Fair Value Calculator (2026). "Capital Industrial Financial Services Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/0730

Frequently asked questions

Is Capital Industrial Financial Services Group Ltd (0730) overvalued or undervalued?
As of Oct 4, 2026, our model estimates a fair value of HK$8.36 versus a price of HK$5.98, about +40% upside (undervalued).
What is the fair value of 0730?
Our model-based fair value for Capital Industrial Financial Services Group Ltd is HK$8.36 (as of Oct 4, 2026), built from audited fundamentals. The current price: HK$5.98.
What is the quality score of 0730?
Capital Industrial Financial Services Group Ltd has a Quality Score of 59/100. 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 Capital Industrial Financial Services Group Ltd (0730)?
Our model-based price target is the fair value of HK$8.36 (as of Oct 4, 2026) from 9 valuation models. Cautious scenario HK$5.57, optimistic scenario HK$10.45. It is a calculation from audited fundamentals, not an analyst target.
What is the Capital Industrial Financial Services Group Ltd stock forecast for 2026?
Our models put fair value at HK$8.36, about +40% upside versus a price of HK$5.98 (undervalued). Cautious scenario HK$5.57, optimistic scenario HK$10.45. The calculation is refreshed regularly with new filings.
What is the revenue of Capital Industrial Financial Services Group Ltd (0730)?
Capital Industrial Financial Services Group Ltd reported trailing-twelve-month revenue of about HK$227M (latest available figure, as of Oct 4, 2026).
Does Capital Industrial Financial Services Group Ltd pay a dividend?
Capital Industrial Financial Services Group Ltd currently shows a dividend yield of about 2.51% relative to its recent price (as of Oct 4, 2026).
What is the intrinsic value of Capital Industrial Financial Services Group Ltd (0730)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Capital Industrial Financial Services Group Ltd it is HK$8.36 per share (as of Oct 4, 2026), against a price of HK$5.98. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Capital Industrial Financial Services Group Ltd stock overvalued or undervalued in 2026?
As of Oct 4, 2026, 0730 trades below its calculated fair value: price HK$5.98, fair value HK$8.36, a gap of about +40% (undervalued). 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 0730?
No. The price is what the market pays today (HK$5.98); the fair value is what the company's own numbers justify (HK$8.36). For Capital Industrial Financial Services Group Ltd the two are HK$2.38 per share apart. That gap is exactly why we show both numbers side by side.
How much is Capital Industrial Financial Services Group Ltd worth?
The market values Capital Industrial Financial Services Group Ltd at about HK$473M (market capitalisation, as of Oct 4, 2026). Per share that is HK$5.98; our models calculate a fair value of HK$8.36 per share.
What do the bullish and bearish scenarios say about 0730?
Our models span a range for Capital Industrial Financial Services Group Ltd: cautious scenario HK$5.57, base HK$8.36, optimistic HK$10.45 per share (as of Oct 4, 2026, price HK$5.98). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 0730?
Capital Industrial Financial Services Group Ltd trades at a price-to-earnings ratio of 19.3 (as of Oct 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of HK$8.36 is built from several models across several years. Other multiples: P/B 0.3, P/S 2.1, EV/EBITDA 2.9.
How solid is the balance sheet of Capital Industrial Financial Services Group Ltd (0730)?
Balance-sheet figures for Capital Industrial Financial Services Group Ltd (as of Oct 4, 2026): return on equity 1.7%, debt of 0.01 per unit of equity. They feed the Quality Score of 59/100, which measures business quality independently of the share price.
How far is 0730 from its 52-week high?
Capital Industrial Financial Services Group Ltd trades at HK$5.98, about 12% below its 52-week high of HK$6.77 and 7% above the low of HK$5.60 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of HK$8.36 is for.
Which stocks are comparable to Capital Industrial Financial Services Group 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 Capital Industrial Financial Services Group Ltd stock attractive at the current price?
The data as of Oct 4, 2026: price HK$5.98, calculated fair value HK$8.36 (+40%), Quality Score 59/100, from 9 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 0730 calculated?
We run Capital Industrial Financial Services Group Ltd through 9 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$8.36, 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 15.0 % above its aggregate fair value. Capital Industrial Financial Services Group Ltd currently trades 28 % below its own fair value, and the market average says nothing about that. 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 Capital Industrial Financial Services Group Ltd (0730)?
The closing price on Oct 2, 2026 was HK$5.98. Our model-based fair value is HK$8.36, about +40% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Capital Industrial Financial Services Group Ltd right now?
The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (59/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (HK$5.57 to HK$10.45) 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.

Key figures of Capital Industrial Financial Services Group Ltd

How large is the market capitalisation of Capital Industrial Financial Services Group Ltd (0730)?
The market capitalisation of Capital Industrial Financial Services Group Ltd is HK$473M (≈ $60.3M). 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 Capital Industrial Financial Services Group Ltd (0730)?
The price-to-sales ratio of Capital Industrial Financial Services Group Ltd is 3.15 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the dividend yield of Capital Industrial Financial Services Group Ltd (0730)?
The dividend yield of Capital Industrial Financial Services Group Ltd is 2.5%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Capital Industrial Financial Services Group Ltd (0730)?
The net margin of Capital Industrial Financial Services Group Ltd is 16.3% (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 Capital Industrial Financial Services Group Ltd (0730)?
The return on equity (ROE) of Capital Industrial Financial Services Group Ltd is 1.7% (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 Capital Industrial Financial Services Group Ltd (0730)?
On an EBIT basis the return on assets of Capital Industrial Financial Services Group Ltd is 2.8% (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 Capital Industrial Financial Services Group Ltd (0730)?
The operating margin of Capital Industrial Financial Services Group Ltd is 33.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Capital Industrial Financial Services Group Ltd (0730)?
Revenue at Capital Industrial Financial Services Group Ltd is growing +99.6% versus a year earlier (3y avg −22.2%). 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 Capital Industrial Financial Services Group Ltd (0730)?
Earnings per share at Capital Industrial Financial Services Group Ltd are growing −24.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Capital Industrial Financial Services Group Ltd (0730) generate?
The free cash flow of Capital Industrial Financial Services Group Ltd is −HK$6.4M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Capital Industrial Financial Services Group Ltd (0730) hold?
Capital Industrial Financial Services Group Ltd holds more cash than debt, HK$283M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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