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China Properties Investment Holdings (0736) Fair Value & Analysis

Financial Services · HK · Market cap HK$75.3M

CP China Properties Investment Holdings 0736 · HK
PriceHK$0.1490
Fair ValueHK$0.3700
Upside+148.3%
Quality42/100
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Weak Growth
Thin margins · 0.0% net margin
Low debt · negative free cash flow
Trails peers (2/8)
Narrow moat 29/100
Evidence: Low Range HK$0.2730 – HK$0.5510 Share as image

Fair value as of: Aug 13, 2026

From 1 valuation models · updated 2 days ago

Fair value updated Aug 13, 2026, revised from HK$0.3630 to HK$0.3700 (+1.9%) since Aug 5, 2026. Share price −36.6% over the past month.

Below-average quality, screening 148% undervalued on our models.

What matters now

  • The large discount to fair value meets weak quality (42/100). That raises the risk this is a value trap rather than a bargain.
  • The price is below even our cautious bear case (HK$0.2730). The market is more pessimistic than our downside scenario.
  • 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$0.2730 to HK$0.5510) leaves room in how you read the outcome.
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Price vs Fair Value (5 years)

HK$1.23 HK$0.0780 Fair Value HK$0.3700 Dec 2019 Aug 2026

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$0.0780 – HK$1.23 · fair‑value band HK$0.2730 – HK$0.5510 · the HK$0.1490 price screens below the HK$0.3700 fair value. Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

China Properties Investment Holdings (0736) currently trades at HK$0.1490, while our model-based Fair Value estimate is HK$0.3700, implying the stock looks roughly 148.3% undervalued today. The Quality Score stands at 42/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low), always confirm before acting.

Revenue grew 3.4% year over year. It earns a return on equity of -4.8%. Net debt stands at HK$117M. Fundamentals as of Aug 13, 2026

Our scenario range runs from HK$0.2730 (bear case) to HK$0.5510 (bull case); at HK$0.1490, the current price sits below 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. For context, the median of 10 Financial Services peers we cover trades at -45% fair-value upside, at 148%, 0736 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.

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. Evidence
Highest evidence
NCAV (Graham) HK$0.6900 HK$0.9200 HK$1.38 50
All 1 models by family
Asset-Based
NCAV (Graham) HK$0.6900 HK$0.9200 HK$1.38 50

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Key figures & financial health

Revenue (TTM) −HK$41.4M
Revenue growth (YoY) +3.4%
Return on equity -4.8%
Free cash flow −HK$7.7M FY2025
Operating margin 23.0%
EPS (TTM) HK$-0.0800
More key figures
EPS growth (YoY) -77.8%
Net debt HK$117M FY2025

Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 42/100

Of which business quality 42 · Market factors (momentum, volatility) 22

Profitability 3
Margins and returns on capital today
Quality Growth 54
Are margins and returns improving?
Cashflow 25
Earnings quality: real cash, not paper profit
Fin. Strength 63
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 16
Price trend over the last 3–12 months (market factor)
52W Momentum 3
Distance to the 52-week high (market factor)
Net Issuance 40
Buybacks instead of dilution

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

China Properties Investment Holdings Limited, an investment holding company, engages in the money lending and property investment businesses in the People's Republic of China and Hong Kong. It also provides agency and property development services, as well as financial services. The company was formerly known as Northern International Holdings Ltd.

Full company description

China Properties Investment Holdings Limited, an investment holding company, engages in the money lending and property investment businesses in the People's Republic of China and Hong Kong. It also provides agency and property development services, as well as financial services. The company was formerly known as Northern International Holdings Ltd. and changed its name to China Properties Investment Holdings Limited in November 2007. China Properties Investment Holdings Limited was incorporated in 1992 and is headquartered in Wan Chai, Hong Kong.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

China Properties Investment Holdings reported revenue of HK$53.5M in FY2025 versus HK$29.8M in FY2021, a compound +15.8%/yr. Reported net income was −HK$65.7M in FY2025.

Growth Quality 0/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2025)
HK$53.5M
Latest YoY
−19.4%
Avg. growth/yr (3Y) 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.
−14.7%
Avg. growth/yr (5Y) 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.
+0.7%
Avg. growth/yr (25Y) 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.
+1.2%
Revenue +15.8%/yr
FY21 HK$29.8M
FY22 HK$86.4M
FY23 HK$68.3M
FY24 HK$66.4M
FY25 HK$53.5M
Net income
FY21 HK$36.2M
FY22 HK$13.0M
FY23 −HK$57.2M
FY24 −HK$131M
FY25 −HK$65.7M

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Cite: Fair Value Calculator (2026). "China Properties Investment Holdings Fair Value". https://www.fairvalue-calculator.com/stock/0736

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.

Quality Score 43 · Below median
Fair Value upside +148% · Top 25%
Return on assets -3% · Bottom 25%
Net margin (TTM) 0% · Bottom 25%
Operating margin (TTM) 23% · Below median
Revenue growth 3% · Below median
Debt / equity 0.21× · Lower than median

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 100 · sector 35
FUTURE 17 · sector 39
PAST 0 · sector 32
HEALTH 90 · sector 58
DIVIDEND 0 · sector 58

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

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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Frequently asked questions

Is China Properties Investment Holdings (0736) overvalued or undervalued?
As of Aug 13, 2026, our model estimates a fair value of HK$0.3700 versus a price of HK$0.1490, about +148% (undervalued).
What is the fair value of 0736?
Our model-based fair value for China Properties Investment Holdings is HK$0.3700 (as of Aug 13, 2026), built from audited fundamentals. The current price is HK$0.1490.
What is the quality score of 0736?
China Properties Investment Holdings has a Quality Score of 42/100. 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 net profit margin of 0736?
The net profit margin of China Properties Investment Holdings is about 0.0%, meaning it keeps roughly 0.0% 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.

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