Zhong Hua International Holdings Ltd (1064) fair value: what the stock is really worth
As of Nov 13, 2026: fair value (intrinsic value) of Zhong Hua International Holdings Ltd stock HK$0.10, price HK$0.05, upside +81.0%, quality 48 out of 100. Rating: strongly undervalued. Calculated from audited financials with 11 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 14, 2026.
How to read this chart
60‑month range HK$0.0300 – HK$0.1580 · fair‑value band HK$0.0886 – HK$0.1048 · the HK$0.0540 price screens below the HK$0.0977 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 14, 2026.
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Zhong Hua International Holdings Limited, an investment holding company, engages in the property development, investment, and management activities in Mainland China. It also leases and sells properties.
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The company also offers consulting services for power collection, electrical storage, and charging solutions; engages in research and development; and provides electric technology and servicing services.
Zhong Hua International Holdings Limited was incorporated in 1997 and is headquartered in Central, Hong Kong.
Stock analysis
Zhong Hua International Holdings Ltd (1064) currently trades at HK$0.0540, while our model-based Fair Value estimate is HK$0.0977, implying the stock looks roughly 45% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of HK$0.3900 per share, and 11 of the 11 models we run sit above the HK$0.0540 price.
Bear case: the Multiples group reads lowest at HK$0.1000, and 0 of the 11 models stay below the price. Data coverage for this calculation is low.
Scenario range: HK$0.0886 (bear) to HK$0.1048 (bull), the price of HK$0.0540 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 48/100 (below-average quality), in the Real Estate sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Zhong Hua International Holdings Ltd reported revenue of HK$31.7M in FY2025 versus HK$57.7M in FY2021, a compound −13.9%/yr. Reported net income was −HK$15.0M in FY2025.
Key figures
Market cap HK$41.5M (≈ $5.3M) Micro · P/S ratio 1.28 · Net margin −47.3% · Return on equity 2.8% · Return on assets (EBIT) 0.3% (5-year average) · Operating margin 21.5% · Revenue (TTM) HK$32.3M · Revenue growth (YoY) +6.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 29 out of 100 (low confidence).
What moves the price
The share trades about 38% below its 52-week high and 15% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Real Estate peers we cover trades at 41% fair-value upside, at 81%, 1064 screens cheaper than that median.
Fair Value models
BearHK$0.0886Fair Value HK$0.0977BullHK$0.1048
Price HK$0.0540 · Upside +81.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.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.Coverage ⓘCoverage = 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.
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.33/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+11.0%
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.
+1.5%
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.
+5.3%
Start year 2020 (pandemic). Over 10 years: −1.8% a year
Revenue growth 26 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.
−5.8%
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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.
−2.0% (2019) → 3.3% (2024)
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
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
The company could shrink this much every year for the next five years and today's price would still be justified.
Compare Zhong Hua International Holdings Ltd with another stock
Price, fair value, quality and upside side by side.
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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.Real Estate - Development · 491 stocks
Beats the industry median on 6/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score48 · Below median
Fair Value upside+80.9% · Above median
Profitability
Return on equity (12 months)2.8% · Below median
Return on assets−1.1% · Bottom 25%
Net margin (12 months)−27.8% · Bottom 25%
Operating margin (12 months)21.5% · Above median
Growth and dividend
Revenue growth (quarter YoY)6.5% · Above median
Valuation Multiplesvs Real Estate - Development median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Zhong Hua International Holdings Ltd Fair Value". https://www.fairvalue-calculator.com/stock/1064
Frequently asked questions
Is Zhong Hua International Holdings Ltd (1064) overvalued or undervalued?
As of Nov 14, 2026, our model estimates a fair value of HK$0.0977 versus a price of HK$0.0540, about +81% upside (undervalued).
What is the fair value of 1064?
Our model-based fair value for Zhong Hua International Holdings Ltd is HK$0.0977 (as of Nov 14, 2026), built from audited fundamentals. The current price: HK$0.0540.
What is the quality score of 1064?
Zhong Hua International Holdings Ltd has a Quality Score of 48/100. 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 Zhong Hua International Holdings Ltd (1064)?
Our model-based price target is the fair value of HK$0.0977 (as of Nov 14, 2026) from 11 valuation models. Cautious scenario HK$0.0886, optimistic scenario HK$0.1048. It is a calculation from audited fundamentals, not an analyst target.
What is the Zhong Hua International Holdings Ltd stock forecast for 2026?
Our models put fair value at HK$0.0977, about +81% upside versus a price of HK$0.0540 (undervalued). Cautious scenario HK$0.0886, optimistic scenario HK$0.1048. The calculation is refreshed regularly with new filings.
What is the revenue of Zhong Hua International Holdings Ltd (1064)?
Zhong Hua International Holdings Ltd reported trailing-twelve-month revenue of about HK$32.3M (latest available figure, as of Nov 14, 2026).
What growth is priced into Zhong Hua International Holdings Ltd (1064)?
Today's price is already fair in a discounted-cash-flow model if free cash flow at Zhong Hua International Holdings Ltd shrinks by more than 40 % per year for five years (discount rate 9.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew 5.3 % per year. As of Nov 14, 2026.
What discount rate (WACC) does the fair value of 1064 use?
Our models discount Zhong Hua International Holdings Ltd at 9.0 %: a base by market capitalisation (nano), damped by beta 0.07, country premium for Hong Kong. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Zhong Hua International Holdings Ltd that is less than minus 40 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (9.0 %) and the same formula as our fair value.
How much growth has Zhong Hua International Holdings Ltd (1064) delivered so far?
Over the past 5 years revenue at Zhong Hua International Holdings Ltd grew 5.3 % a year. The price currently implies free-cash-flow growth of less than minus 40 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Zhong Hua International Holdings Ltd (1064) growing?
The median revenue growth in the sector is +2.9 % a year. That is the yardstick for the growth priced into Zhong Hua International Holdings Ltd (less than minus 40 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Zhong Hua International Holdings Ltd (1064)?
The free-cash-flow yield on the price is 47.07 %: that much free cash flow Zhong Hua International Holdings Ltd produces per unit of market value. When it exceeds the discount rate of our models (9.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Zhong Hua International Holdings Ltd (1064)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Zhong Hua International Holdings Ltd it is HK$0.0977 per share (as of Nov 14, 2026), against a price of HK$0.0540. It is the blended result of 11 valuation models in 4 families (DCF Models, Multiples, Asset-Based, Growth DCF).
Is Zhong Hua International Holdings Ltd stock overvalued or undervalued in 2026?
As of Nov 14, 2026, 1064 trades below its calculated fair value: price HK$0.0540, fair value HK$0.0977, a gap of about +81% (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 1064?
No. The price is what the market pays today (HK$0.0540); the fair value is what the company's own numbers justify (HK$0.0977). For Zhong Hua International Holdings Ltd the two are HK$0.0437 per share apart. That gap is exactly why we show both numbers side by side.
How much is Zhong Hua International Holdings Ltd worth?
The market values Zhong Hua International Holdings Ltd at about HK$41.5M (market capitalisation, as of Nov 14, 2026). Per share that is HK$0.0540; our models calculate a fair value of HK$0.0977 per share.
What do the bullish and bearish scenarios say about 1064?
Our models span a range for Zhong Hua International Holdings Ltd: cautious scenario HK$0.0886, base HK$0.0977, optimistic HK$0.1048 per share (as of Nov 14, 2026, price HK$0.0540). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Zhong Hua International Holdings Ltd (1064)?
Balance-sheet figures for Zhong Hua International Holdings Ltd (as of Nov 14, 2026): return on equity 2.8%. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is 1064 from its 52-week high?
Zhong Hua International Holdings Ltd trades at HK$0.0540, about 38% below its 52-week high of HK$0.0870 and 15% above the low of HK$0.0470 (as of Nov 13, 2026). Distance from the high says nothing about value: that is what the fair value of HK$0.0977 is for.
Which stocks are comparable to Zhong Hua International Holdings Ltd?
From the same area (Real Estate) we also value Sun Hung Kai Properties Limited, China Resources Land Limited, CK Asset Holdings, DLF Limited, 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 Zhong Hua International Holdings Ltd stock attractive at the current price?
The data as of Nov 14, 2026: price HK$0.0540, calculated fair value HK$0.0977 (+81%), Quality Score 48/100, from 11 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 1064 calculated?
We run Zhong Hua International Holdings Ltd through 11 models from 4 families: DCF Models, Multiples, Asset-Based, Growth DCF. Every model gets the same audited fundamentals; the fair value of HK$0.0977 builds on their evidence-weighted average, 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 14.1% above its aggregate fair value. Zhong Hua International Holdings Ltd currently trades 45% 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 Zhong Hua International Holdings Ltd (1064)?
The closing price on Nov 13, 2026 was HK$0.0540. Our model-based fair value is HK$0.0977, about +81% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Zhong Hua International Holdings Ltd right now?
The large discount to fair value meets weak quality (48/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (HK$0.0886). 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. As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Key figures of Zhong Hua International Holdings Ltd
How large is the market capitalisation of Zhong Hua International Holdings Ltd (1064)?
The market capitalisation of Zhong Hua International Holdings Ltd is HK$41.5M (≈ $5.3M). 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 Zhong Hua International Holdings Ltd (1064)?
The price-to-sales ratio of Zhong Hua International Holdings Ltd is 1.28 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of Zhong Hua International Holdings Ltd (1064)?
The net margin of Zhong Hua International Holdings Ltd is −47.3% (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 Zhong Hua International Holdings Ltd (1064)?
The return on equity (ROE) of Zhong Hua International Holdings Ltd is 2.8% (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 Zhong Hua International Holdings Ltd (1064)?
On an EBIT basis the return on assets of Zhong Hua International Holdings Ltd is 0.3% (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 Zhong Hua International Holdings Ltd (1064)?
The operating margin of Zhong Hua International Holdings Ltd is 21.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Zhong Hua International Holdings Ltd (1064)?
Revenue at Zhong Hua International Holdings Ltd is growing 6.5% versus a year earlier (3y avg +1.5%). 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 Zhong Hua International Holdings Ltd (1064)?
Earnings per share at Zhong Hua International Holdings Ltd are growing 59.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Zhong Hua International Holdings Ltd (1064) hold?
Zhong Hua International Holdings Ltd holds more cash than debt, HK$59.4M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Nov 14, 2026