0900 (0900) Fair Value & Analysis

Financial Services · Market cap HK$3.6B

0 0900 0900 · HK

PriceHK$8.48

Fair ValueHK$11.15

Upside+31.5%

Quality66/100

Evidence: High Range HK$9.73 – HK$18.17

Fair value as of: Jul 2, 2026

From 24 valuation models · updated today

Share price −1.4% over the past month.

Price vs Fair Value (12 months)

12‑month range HK$6.45 – HK$8.77 · fair‑value band HK$9.73 – HK$18.17 · the HK$8.48 price screens below the HK$11.15 fair value. As of Jul 2, 2026.

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Analysis

0900 (0900) currently trades at HK$8.48, while our model-based Fair Value estimate is HK$11.15 — implying the stock looks roughly 31.5% undervalued today. We read business quality at 66/100 (solid 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: high) — always confirm before acting.

Over the trailing twelve months, 0900 generated revenue of HK$1.4B at a net margin of 36.1%. Revenue grew 13.3% year over year. It earns a return on equity of 11.0%. Net debt stands at HK$3.2B. Fundamentals as of Jul 2, 2026

Key figures & financial health

Revenue (TTM) HK$1.4B

Revenue growth (YoY) +13.3%

Net margin 36.1%

Return on equity 11.0%

Free cash flow HK$65.7M FY2026

P/E ratio 7.6

More key figures

Operating margin 45.6%

EPS (TTM) HK$1.18

Dividend yield 6.9%

EPS growth (YoY) +24.4%

Net debt HK$3.2B FY2026

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

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

0900 reported revenue of HK$1.8B in FY2026 versus HK$1.1B in FY2022, a compound +14.5%/yr. Reported net income was HK$468M in FY2026, compounding +8.1%/yr from FY2022.

Revenue +14.5%/yr

FY22 HK$1.1B

FY23 HK$1.2B

FY24 HK$1.6B

FY25 HK$1.2B

FY26 HK$1.8B

Net income +8.1%/yr

FY22 HK$343M

FY23 HK$374M

FY24 HK$392M

FY25 HK$400M

FY26 HK$468M

Is 0900 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	229.36 MXN	-96%
Mastercard Incorporated MA	C$29.95	C$10.05	-66%
M4I M4I	€430.50	€368.29	-14%
American Express Company AXP	C$28.87	C$23.85	-17%
Capital One Financial Corporation COF	$177.63	$125.08	-30%
Bajaj Finance Limited BAJFINANCE	₹889.40	₹559.13	-37%

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Frequently asked questions

Is 0900 (0900) undervalued?

As of Jul 2, 2026, our model estimates a fair value of HK$11.15 versus a price of HK$8.48 — about +31% (undervalued). Model-based estimate, not financial advice.

What is the fair value of 0900?

Our model-based fair value for 0900 is HK$11.15 (as of Jul 2, 2026), built from audited fundamentals. The current price is HK$8.48.

What is the quality score of 0900?

0900 has a Quality Score of 66/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

What is the revenue of 0900 (0900)?

0900 reported trailing-twelve-month revenue of about HK$1.4B (latest available figure, as of Jul 2, 2026).

What is the net profit margin of 0900?

The net profit margin of 0900 is about 36.1%, meaning it keeps roughly 36.1% of revenue as net income. Based on the latest reported figures.

Does 0900 pay a dividend?

0900 currently shows a dividend yield of about 6.85% relative to its recent price (as of Jul 2, 2026).

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.