China Huirong Financials Hldgs (1290) Fair Value & Analysis
Financial Services · HK · Market cap HK$578M
Fair value as of: Aug 13, 2026
From 11 valuation models · updated 3 days ago
Fair value updated Aug 13, 2026, revised from HK$0.9300 to HK$0.7100 (−23.7%) since Aug 5, 2026. Share price −13.3% over the past month.
A solid business, screening 37% undervalued on our models.
What matters now
- Solid quality (54/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
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$0.4900 – HK$1.02 · fair‑value band HK$0.5300 – HK$0.9300 · the HK$0.5200 price screens below the HK$0.7100 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
China Huirong Financials Hldgs (1290) currently trades at HK$0.5200, while our model-based Fair Value estimate is HK$0.7100, implying the stock looks roughly 36.5% undervalued today. The Quality Score stands at 54/100 (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: medium), always confirm before acting.
Over the trailing twelve months, China Huirong Financials Hldgs generated revenue of HK$692M at a net margin of 7.6%. Revenue grew 15.1% year over year. It earns a return on equity of 3.2%. Net debt stands at HK$1.0B. Fundamentals as of Aug 13, 2026
Our scenario range runs from HK$0.5300 (bear case) to HK$0.9300 (bull case); at HK$0.5200, 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 25% below its 52-week high and 14% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -27% fair-value upside, at 37%, 1290 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.
All 11 models by family
Widest divergence: Asset-Based (HK$1.19) versus Earnings-Based (HK$0.5900). Highest evidence: Growth DCF (80).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 53 · Market factors (momentum, volatility) 43
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 Huirong Financial Holdings Limited, an investment holding company, provides secured and unsecured loans in the People's Republic of China. The company operates in two segments, Inclusive Finance Business and Ecology Finance Business.
Full company description
China Huirong Financial Holdings Limited, an investment holding company, provides secured and unsecured loans in the People's Republic of China. The company operates in two segments, Inclusive Finance Business and Ecology Finance Business. The company offers real estate-backed loans, such as personal or corporate financing services; fast-movable property-backed financing services to individuals for purchasing artwork, gold, jewelry, vehicles, watches, and luxury goods; turnover loan fund; art investment; overseas finance; equity and special asset investment; and insurance brokerage. It also provides supply chain, loan facilitation technology, factoring, insurance agency, financial leasing, and special asset investment. In addition, the company offers pawnshop, technology microfinance, commercial factoring, scientific and technical services, and supply chain management services, as well as purchases and disposes non-performing assets. China Huirong Financial Holdings Limited was founded in 1999 and is headquartered in Suzhou, the People's Republic of China.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
China Huirong Financials Hldgs reported revenue of HK$719M in FY2025 versus HK$486M in FY2021, a compound +10.3%/yr. Reported net income was HK$51.2M in FY2025, compounding −12.4%/yr from FY2021.
of which total revenue +8.0 pp · buybacks/dilution −0.7 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
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Peer Group
Financial Conglomerates · 55 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.
Valuation Multiples vs Financial Conglomerates median · lower = cheaper
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.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Financial Conglomerates stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| ORIX Corporation IX | $40.58 | $35.47 | -13% |
| Bajaj Finserv Ltd BAJAJFINSV | ₹2,009 | ₹796.96 | -60% |
| China Galaxy Securities Co 601881 | ¥12.36 | ¥11.34 | -8% |
| Guosen Securities Co 002736 | ¥10.12 | ¥10.84 | +7% |
| CNPC Capital Company 000617 | ¥6.96 | ¥6.99 | +0% |
| Aditya Birla Capital Limited ABCAPITAL | ₹410.95 | ₹119.98 | -71% |
| Freedom Holding FRHC | $151.33 | $31.31 | -79% |
| Voya Financial, Inc VOYA | $99.49 | $62.37 | -37% |
| Guangzhou Yuexiu Capital Holdings 000987 | ¥7.72 | ¥5.63 | -27% |
| Bicecorp S.A BICE | 402.36 CLP | 261.70 CLP | -35% |
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Frequently asked questions
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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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