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China Properties Investment Holdings Ltd (0736) fair value: what the stock is really worth

As of Sep 30, 2026: fair value of China Properties Investment Holdings Ltd HK$0.64, price HK$0.26, upside +150.2%, quality 42 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? No
  3. Add to watchlist

Financial Services · HK · ISIN BMG2157U1945

CP Thin data Sep 27, 2026

China Properties Investment Holdings Ltd

0736 · HK

Cheap, value-trap riskThe stock looks deeply undervalued, but low quality raises value-trap risk.

✓Fair value HK$0.6380 · Strongly undervalued (+150.2%)
!Quality 42/100
!Weak Growth (revenue 5y +0.7 %/yr)
!Loss-making · -122.8% net margin (FY2025)
!Low debt · negative free cash flow
!Trails peers (2/8)
!Narrow moat 29/100
!Evidence only low, so the estimate is less certain
!Weak on future: 17 out of 100
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What runs behind every stock

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Price vs Fair Value

HK$1.09 HK$0.0780 Fair Value HK$0.6380 Feb 2020 Sep 2026

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$0.0780 – HK$1.09 · fair‑value band HK$0.4710 – HK$0.9490 · the HK$0.2550 price screens below the HK$0.6380 fair value. Dashed = 300-day average. As of Sep 27, 2026.

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Company profile

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.

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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.

Stock analysis

China Properties Investment Holdings Ltd (0736) currently trades at HK$0.2550, while our model-based Fair Value estimate is HK$0.6380, implying the stock looks roughly 60.0% undervalued today.

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Valuation

How firm this estimate is: it rests on 1 models at a data quality of 95/100, which puts the evidence level at low.

Scenario range: HK$0.4710 (bear) to HK$0.9490 (bull), the price of HK$0.2550 sits below 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 42/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue growth is weak: less than 2 % a year.

China Properties Investment Holdings Ltd 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.

Key figures

Market cap HK$75.3M (≈ $9.6M) · EPS (TTM) HK$−0.0800 · Net margin −123% · Return on equity −4.8% · Return on assets (EBIT) −4.6% · Operating margin 23.0% · Revenue (TTM) −HK$41.4M · Revenue growth (YoY) +3.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

What moves the price

The share trades about 73% below its 52-week high and 86% 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 150%, 0736 screens cheaper than that median.

Fair Value models

Bear HK$0.4710 Fair Value HK$0.6380 Bull HK$0.9490
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
NCAV (Graham) HK$0.6900 HK$0.9200 HK$1.38 54
All 1 models by family
Asset-Based
NCAV (Graham) HK$0.6900 HK$0.9200 HK$1.38 54

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Quality Score breakdown

Overall quality 42/100

Of which business quality 42 · Market factors (momentum, volatility) 26

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 20
Price trend over the last 3–12 months (market factor)
52W Momentum 7
Distance to the 52-week high (market factor)
Net Issuance 40
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. 0/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
−19.4%
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.
−14.7%
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.
+0.7%
Start year 2020 (pandemic). Over 10 years: +15.0% a year
Revenue growth 25 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.
+1.2%
Profit margin (trend) ⓘ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.
−133.8% (2020) → −107.1% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

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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 2/7 measures
Overall it trails its industry peers.
Valuation
Quality Score 43 · Below median
Fair Value upside +150.2% · Top 25%
Profitability
Return on assets −3.3% · Bottom 25%
Net margin (TTM) −122.8% · Bottom 25%
Operating margin (TTM) 23.0% · Below median
Growth and dividend
Revenue growth 3.4% · Below median
Balance sheet
Debt / equity 0.21× · Below median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 49
FUTURE (revenue growth)17 · sector 46
PAST (return on equity)0 · sector 32
HEALTH (low debt)90 · sector 59
DIVIDEND (yield)0 · sector 65

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

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

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Visa Inc V $367.38 $221.29 −40%
Mastercard Incorporated MA $567.65 $359.54 −37%
American Express Company AXP $308.89 $208.54 −32%
Capital One Financial Corporation COF $200.20 $125.94 −37%
Bajaj Finance Limited BAJFINANCE ₹996.90 ₹1,100 +10%
PayPal Holdings PYPL $55.04 $104.12 +89%
Shriram Finance Limited SHRIRAMFIN ₹994.10 ₹1,364 +37%
Affirm Holdings AFRM $67.21 $73.93 +10%
Synchrony Financial, SYF $71.52 $141.92 +98%
SoFi Technologies, Inc SOFI $16.58 $5.53 −67%

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

Frequently asked questions

Is China Properties Investment Holdings Ltd (0736) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of HK$0.6380 versus a price of HK$0.2550, about +150% upside (undervalued).
What is the fair value of 0736?
Our model-based fair value for China Properties Investment Holdings Ltd is HK$0.6380 (as of Sep 27, 2026), built from audited fundamentals. The current price: HK$0.2550.
What is the quality score of 0736?
China Properties Investment Holdings Ltd 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 price target for China Properties Investment Holdings Ltd (0736)?
Our model-based price target is the fair value of HK$0.6380 (as of Sep 27, 2026) from 1 valuation models. Cautious scenario HK$0.4710, optimistic scenario HK$0.9490. It is a calculation from audited fundamentals, not an analyst target.
What is the China Properties Investment Holdings Ltd stock forecast for 2026?
Our models put fair value at HK$0.6380, about +150% upside versus a price of HK$0.2550 (undervalued). Cautious scenario HK$0.4710, optimistic scenario HK$0.9490. The calculation is refreshed regularly with new filings.
What is the intrinsic value of China Properties Investment Holdings Ltd (0736)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For China Properties Investment Holdings Ltd it is HK$0.6380 per share (as of Sep 27, 2026), against a price of HK$0.2550. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is China Properties Investment Holdings Ltd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 0736 trades below its calculated fair value: price HK$0.2550, fair value HK$0.6380, a gap of about +150% (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 0736?
No. The price is what the market pays today (HK$0.2550); the fair value is what the company's own numbers justify (HK$0.6380). For China Properties Investment Holdings Ltd the two are HK$0.3830 per share apart. That gap is exactly why we show both numbers side by side.
How much is China Properties Investment Holdings Ltd worth?
The market values China Properties Investment Holdings Ltd at about HK$75.3M (market capitalisation, as of Sep 27, 2026). Per share that is HK$0.2550; our models calculate a fair value of HK$0.6380 per share.
What do the bullish and bearish scenarios say about 0736?
Our models span a range for China Properties Investment Holdings Ltd: cautious scenario HK$0.4710, base HK$0.6380, optimistic HK$0.9490 per share (as of Sep 27, 2026, price HK$0.2550). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of China Properties Investment Holdings Ltd (0736)?
Balance-sheet figures for China Properties Investment Holdings Ltd (as of Sep 27, 2026): return on equity −4.8%, debt of 0.21 per unit of equity. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is 0736 from its 52-week high?
China Properties Investment Holdings Ltd trades at HK$0.2550, about 73% below its 52-week high of HK$0.9600 and 86% above the low of HK$0.1370 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of HK$0.6380 is for.
Which stocks are comparable to China Properties Investment Holdings 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 China Properties Investment Holdings Ltd stock attractive at the current price?
The data as of Sep 27, 2026: price HK$0.2550, calculated fair value HK$0.6380 (+150%), Quality Score 42/100, from 1 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 0736 calculated?
We run China Properties Investment Holdings Ltd through 1 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$0.6380, 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. China Properties Investment Holdings Ltd currently trades 60 % 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 China Properties Investment Holdings Ltd (0736)?
The closing price on Sep 30, 2026 was HK$0.2550. Our model-based fair value is HK$0.6380, about +150% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with China Properties Investment Holdings Ltd right 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$0.4710). 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$0.4710 to HK$0.9490) leaves room in how you read the outcome.

Key figures of China Properties Investment Holdings Ltd

How large is the market capitalisation of China Properties Investment Holdings Ltd (0736)?
The market capitalisation of China Properties Investment Holdings Ltd is HK$75.3M (≈ $9.6M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What are the earnings per share of China Properties Investment Holdings Ltd (0736)?
Earnings per share at China Properties Investment Holdings Ltd are HK$−0.0800. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of China Properties Investment Holdings Ltd (0736)?
The net margin of China Properties Investment Holdings Ltd is −123% (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 China Properties Investment Holdings Ltd (0736)?
The return on equity (ROE) of China Properties Investment Holdings Ltd is −4.8% (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 China Properties Investment Holdings Ltd (0736)?
On an EBIT basis the return on assets of China Properties Investment Holdings Ltd is −4.6% (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 China Properties Investment Holdings Ltd (0736)?
The operating margin of China Properties Investment Holdings Ltd is 23.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How much revenue does China Properties Investment Holdings Ltd (0736) generate?
China Properties Investment Holdings Ltd generates revenue of −HK$41.4M (last twelve months). Revenue of the last twelve months (TTM), the most recent full year, not the calendar year.
How fast is revenue growing at China Properties Investment Holdings Ltd (0736)?
Revenue at China Properties Investment Holdings Ltd is growing +3.4% versus a year earlier (3y avg −14.7%). 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 China Properties Investment Holdings Ltd (0736)?
Earnings per share at China Properties Investment Holdings Ltd are growing −77.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does China Properties Investment Holdings Ltd (0736) generate?
The free cash flow of China Properties Investment Holdings Ltd is −HK$7.7M (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 China Properties Investment Holdings Ltd (0736) carry?
The net debt of China Properties Investment Holdings Ltd is HK$117M (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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