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Glory Sun Financial Group Ltd (1282) Fair Value & Analysis

Industrials · HK · Market cap HK$355M (≈ $45.3M) · ISIN KYG2119B1023

GS Glory Sun Financial Group Ltd 1282 · HK
PriceHK$0.1070
Fair ValueHK$0.2635
Upside+146.3%
Quality44/100
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Strengths

Trades 59% below our fair value of HK$0.2635
Low debt · generates free cash flow

Risks

!Weak Growth (revenue 5y −8.3 %/yr)
!Loss-making · -11.8% net margin
!Mixed vs. peers (5/10)
!Narrow moat 20/100
Weak Growth (revenue 5y −8.3 %/yr)
Loss-making · -11.8% net margin
Low debt · generates free cash flow
Mixed vs. peers (5/10)
Narrow moat 20/100
Evidence: Medium Range HK$0.1553 – HK$0.3653 Share as image

Fair value as of: Aug 13, 2026

From 9 valuation models · updated 14 days ago

Share price +30.5% over the past month.

Below-average quality, trading 59% below our fair value.

What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

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What matters now

  • The large discount to fair value meets weak quality (44/100). That raises the risk this is a value trap rather than a bargain.
  • The price is below even our cautious bear case (HK$0.1553). The market is more pessimistic than our downside scenario.
  • A fairly wide model range (HK$0.1553 to HK$0.3653) leaves room in how you read the outcome.
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Price vs Fair Value (5 years)

HK$6.00 HK$0.0700 Fair Value HK$0.2635 Apr 2021 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$0.0700 – HK$6.00 · fair‑value band HK$0.1553 – HK$0.3653 · the HK$0.1070 price screens below the HK$0.2635 fair value. Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

Glory Sun Financial Group Ltd (1282) currently trades at HK$0.1070, while our model-based Fair Value estimate is HK$0.2635, implying the stock looks roughly 146.3% undervalued today. The Quality Score stands at 44/100 (below-average quality), in the Industrials 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: medium), always confirm before acting.

Over the trailing twelve months, Glory Sun Financial Group Ltd generated revenue of HK$1.0B at a net margin of -11.8%. Revenue declined 26.4% year over year. It earns a return on equity of -2.0%. Net debt stands at HK$827M. Fundamentals as of Aug 13, 2026

Our scenario range runs from HK$0.1553 (bear case) to HK$0.3653 (bull case); at HK$0.1070, 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. The share trades about 45% below its 52-week high and 60% above its 52-week low, currently below its 200-day average. For context, the median of 10 Industrials peers we cover trades at -39% fair-value upside, at 146%, 1282 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
Growth DCF HK$0.4700 HK$0.7600 HK$1.18 80
Rev-Margin DCF HK$0.4300 HK$0.7200 HK$1.11 74
Gordon GGM HK$0.4000 HK$0.7300 HK$1.00 70
All 9 models by family
DCF Models
FCF DCF HK$0.4800 HK$0.8100 HK$1.33 38
5Y Revenue Exit HK$0.4300 HK$0.7300 HK$1.14 39
10Y Revenue Exit HK$0.4300 HK$0.7100 HK$1.14 36
Dividend Discount
Gordon GGM HK$0.4000 HK$0.7300 HK$1.00 70
DDM Multi-Stage HK$0.4000 HK$0.6600 HK$0.7800 61
Multiples
EV/Revenue HK$0.4100 HK$0.5800 HK$0.7400 43
Asset-Based
NCAV (Graham) HK$0.5400 HK$0.7200 HK$1.08 50
Growth DCF
Growth DCF HK$0.4700 HK$0.7600 HK$1.18 80
Rev-Margin DCF HK$0.4300 HK$0.7200 HK$1.11 74

Widest divergence: DCF Models (HK$0.7300) versus Multiples (HK$0.5800). Highest evidence: Growth DCF (80).

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Key figures & financial health

P/S ratio 0.35 TTM
EPS (TTM) HK$-0.0200
Net margin -11.8% FY2025
Return on equity -2.0% TTM
Return on assets (EBIT) -1.5% avg 5y
Operating margin 13.6% TTM
More key figures
Growth
Revenue (TTM) HK$1.0B TTM
Revenue growth (YoY) -26.4% 3y avg +7.9%
EPS growth (YoY) +54.7%
Balance sheet & cash flow
Free cash flow HK$213M FY2025
Net debt HK$827M FY2025 · ≈ 3.9 yrs of FCF

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

Quality Score breakdown

Overall quality 44/100

Of which business quality 46 · Market factors (momentum, volatility) 34

Profitability 6
Margins and returns on capital today
Quality Growth 61
Are margins and returns improving?
Cashflow 87
Earnings quality: real cash, not paper profit
Fin. Strength 49
Balance sheet, leverage, solvency risk
Investment 81
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 16
Distance to the 52-week high (market factor)
Net Issuance 0
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.

All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.

About the company

Renze Harvest International Limited, an investment holding company, engages in manufacturing technology, industrial parks, financial services, and industrial investment activities in China. It operates through Automation, Financial Services, Property Investment and Development, and Securities Investment segment.

Full company description

Renze Harvest International Limited, an investment holding company, engages in manufacturing technology, industrial parks, financial services, and industrial investment activities in China. It operates through Automation, Financial Services, Property Investment and Development, and Securities Investment segment. The company is involved in automated production related equipment trading business; sale of intelligent manufacturing equipment, including SMT and semiconductor production equipment; and provision of ancillary services, such as equipment leasing. It also provides various financial services comprising securities and futures trading, securities finance, asset management, and credit finance services; and engages in investment activities through direct investments in listed and unlisted securities. In addition, the company engages in property development projects, including commercial complexes, upscale residences, hotels, commercial apartments, and office buildings; properties investment activities; hotel operations; and provision of construction works. Further, it provides money lending, securities brokerage, back office support, investment management, and finance leasing services; and trades machines and spare parts. The company was formerly known as Glory Sun Financial Group Limited and changed its name to Renze Harvest International Limited in July 2023. Renze Harvest International Limited was incorporated in 2009 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

Glory Sun Financial Group Ltd reported revenue of HK$1.0B in FY2025 versus HK$2.6B in FY2021, a compound −21.0%/yr. Reported net income was −HK$120M in FY2025.

Growth Quality 23/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2025)
HK$1.0B
Latest YoY
−10.9%
Avg. revenue 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.
+7.9%
Avg. revenue 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.
−8.3%
Avg. revenue growth/yr (18Y) 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.
+2.3%
Value creation/yr 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
Revenue −21.0%/yr
FY21 HK$2.6B
FY22 HK$811M
FY23 HK$740M
FY24 HK$1.1B
FY25 HK$1.0B
Net income
FY21 −HK$189M
FY22 −HK$552M
FY23 HK$102M
FY24 −HK$227M
FY25 −HK$120M

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Cite: Fair Value Calculator (2026). "Glory Sun Financial Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/1282

Peer Group

Industrial Distribution · 111 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 44 · Bottom 25%
Fair Value upside +146% · Top 25%
Return on assets 0% · Bottom 25%
Net margin (TTM) -12% · Bottom 25%
Operating margin (TTM) 14% · Top 25%
Revenue growth -26% · Bottom 25%
Debt / equity 0.14× · Lower than median

Valuation Multiples vs Industrial Distribution median · lower = cheaper

P/S (TTM) 0.04× · Cheaper than 75% of peers
P/FCF 0.2× · Cheaper than 75% of peers

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.

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE100 · sector 26
FUTURE0 · sector 19
PAST0 · sector 35
HEALTH93 · sector 92
DIVIDEND0 · sector 33

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 Industrial Distribution stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).

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Frequently asked questions

Is Glory Sun Financial Group Ltd (1282) overvalued or undervalued?
As of Aug 13, 2026, our model estimates a fair value of HK$0.2635 versus a price of HK$0.1070, about +146% (undervalued).
What is the fair value of 1282?
Our model-based fair value for Glory Sun Financial Group Ltd is HK$0.2635 (as of Aug 13, 2026), built from audited fundamentals. The current price: HK$0.1070.
What is the quality score of 1282?
Glory Sun Financial Group Ltd has a Quality Score of 44/100. 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 revenue of Glory Sun Financial Group Ltd (1282)?
Glory Sun Financial Group Ltd reported trailing-twelve-month revenue of about HK$1.0B (latest available figure, as of Aug 13, 2026).
What is the net profit margin of 1282?
The net profit margin of Glory Sun Financial Group Ltd is about -11.8%, meaning it is currently running at a net loss. 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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