China Huirong Financials Hldgs (1290) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of China Huirong Financials Hldgs HK$0.71, price HK$0.59, upside +20.3%, quality 55 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 2, 2026.
How to read this chart
60‑month range HK$0.4900 – HK$1.02 · fair‑value band HK$0.3800 – HK$1.09 · the HK$0.5900 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 Oct 2, 2026.
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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.
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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.
Stock analysis
China Huirong Financials Hldgs (1290) currently trades at HK$0.5900, while our model-based Fair Value estimate is HK$0.7100, implying the stock looks roughly 16.9% undervalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of HK$1.39 per share, and 11 of the 11 models we run sit above the HK$0.5900 price.
Bear case: the Earnings-Based group reads lowest at HK$0.6800, and 0 of the 11 models stay below the price. Evidence for this calculation is low.
Scenario range: HK$0.3800 (bear) to HK$1.09 (bull), the price of HK$0.5900 sits inside 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 55/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
China Huirong Financials Hldgs reported revenue of 719M CNY in FY2025 versus 486M CNY in FY2021, a compound +10.3%/yr. Reported net income was 51.2M CNY in FY2025, compounding −12.4%/yr from FY2021.
Key figures
Market cap HK$643M (≈ $82.0M) · P/E ratio 11.8 · P/S ratio 0.84 · Dividend yield 4.6% · Net margin 7.1% · Return on equity 2.8% · Return on assets (EBIT) 4.5% · Operating margin 21.4%.
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 13% below its 52-week high and 20% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at 20%, 1290 screens cheaper than that median.
Fair Value models
Bear HK$0.3800Fair Value HK$0.7100Bull HK$1.09
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.
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.85/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+10.1%
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.
+5.0%
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.
+23.1%
Start year 2020 (pandemic). Over 10 years: +6.7% a year
Revenue growth 15 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.
+17.5%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+5.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+0.4%
Dividend (yield on the price)4.6%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.0.4% vs −7.2%, picking up
Profit margin 2019 to 2024 ⓘ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.40% → 22%
Start year 2020 (pandemic)
Growth Forecast
Price in line with expectations
The price assumes about as much growth as the company has delivered so far.
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).
+25.3%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in CNY, China: IMF forecast 1.7% a year to 2030, 1.4% from 2016 to 2025) that is about +23.3% a year for the price.
Compare China Huirong Financials Hldgs 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.Financial Conglomerates · 53 stocks
Beats the industry median on 10/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score57 · Above median
Fair Value upside+20.3% · Above median
Profitability
Return on equity (TTM)2.8% · Bottom 25%
Return on assets2.0% · Above median
Net margin (TTM)6.8% · Below median
Operating margin (TTM)21.4% · Above median
Growth and dividend
Revenue growth−17.5% · Bottom 25%
Dividend yield (TTM)4.6% · Above median
Balance sheet
Debt / equity0.10× · Below median
Valuation Multiplesvs Financial Conglomerates median · lower = cheaper
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Is China Huirong Financials Hldgs (1290) overvalued or undervalued?
As of Oct 2, 2026, our model estimates a fair value of HK$0.7100 versus a price of HK$0.5900, about +20% upside (undervalued).
What is the fair value of 1290?
Our model-based fair value for China Huirong Financials Hldgs is HK$0.7100 (as of Oct 2, 2026), built from audited fundamentals. The current price: HK$0.5900.
What is the quality score of 1290?
China Huirong Financials Hldgs has a Quality Score of 55/100. 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 Huirong Financials Hldgs (1290)?
Our model-based price target is the fair value of HK$0.7100 (as of Oct 2, 2026) from 11 valuation models. Cautious scenario HK$0.3800, optimistic scenario HK$1.09. It is a calculation from audited fundamentals, not an analyst target.
What is the China Huirong Financials Hldgs stock forecast for 2026?
Our models put fair value at HK$0.7100, about +20% upside versus a price of HK$0.5900 (undervalued). Cautious scenario HK$0.3800, optimistic scenario HK$1.09. The calculation is refreshed regularly with new filings.
What is the revenue of China Huirong Financials Hldgs (1290)?
China Huirong Financials Hldgs reported trailing-twelve-month revenue of about 631M CNY (latest available figure, as of Oct 2, 2026).
Does China Huirong Financials Hldgs pay a dividend?
China Huirong Financials Hldgs currently shows a dividend yield of about 4.58% relative to its recent price (as of Oct 2, 2026).
What growth is priced into China Huirong Financials Hldgs (1290)?
For today's price to be fair in a discounted-cash-flow model, China Huirong Financials Hldgs would have to grow free cash flow by +25.3 % per year for five years (discount rate 13.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +23.1 % per year. As of Oct 2, 2026.
What discount rate (WACC) does the fair value of 1290 use?
Our models discount China Huirong Financials Hldgs at 13.3 %: a base by market capitalisation (micro), 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 China Huirong Financials Hldgs that is +25.3 % per year a year over ten years, using the same discount rate (13.3 %) and the same formula as our fair value.
How much growth has China Huirong Financials Hldgs (1290) delivered so far?
Over the past 5 years revenue at China Huirong Financials Hldgs grew +23.1 % a year. The price currently implies +25.3 % per year free-cash-flow growth a 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 China Huirong Financials Hldgs (1290) growing?
The median revenue growth in the sector is +9.3 % a year. That is the yardstick for the growth priced into China Huirong Financials Hldgs (+25.3 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of China Huirong Financials Hldgs (1290)?
The free-cash-flow yield on the price is 9.70 %: that much free cash flow China Huirong Financials Hldgs produces per unit of market value. When it exceeds the discount rate of our models (13.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of China Huirong Financials Hldgs (1290)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For China Huirong Financials Hldgs it is HK$0.7100 per share (as of Oct 2, 2026), against a price of HK$0.5900. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is China Huirong Financials Hldgs stock overvalued or undervalued in 2026?
As of Oct 2, 2026, 1290 trades below its calculated fair value: price HK$0.5900, fair value HK$0.7100, a gap of about +20% (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 1290?
No. The price is what the market pays today (HK$0.5900); the fair value is what the company's own numbers justify (HK$0.7100). For China Huirong Financials Hldgs the two are HK$0.1200 per share apart. That gap is exactly why we show both numbers side by side.
How much is China Huirong Financials Hldgs worth?
The market values China Huirong Financials Hldgs at about HK$643M (market capitalisation, as of Oct 2, 2026). Per share that is HK$0.5900; our models calculate a fair value of HK$0.7100 per share.
What do the bullish and bearish scenarios say about 1290?
Our models span a range for China Huirong Financials Hldgs: cautious scenario HK$0.3800, base HK$0.7100, optimistic HK$1.09 per share (as of Oct 2, 2026, price HK$0.5900). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1290?
China Huirong Financials Hldgs trades at a price-to-earnings ratio of 11.8 (as of Oct 2, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of HK$0.7100 is built from several models across several years. Other multiples: P/B 0.3, P/S 0.9, EV/EBITDA 6.9.
How solid is the balance sheet of China Huirong Financials Hldgs (1290)?
Balance-sheet figures for China Huirong Financials Hldgs (as of Oct 2, 2026): return on equity 2.8%, debt of 0.10 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is 1290 from its 52-week high?
China Huirong Financials Hldgs trades at HK$0.5900, about 13% below its 52-week high of HK$0.6814 and 20% above the low of HK$0.4900 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of HK$0.7100 is for.
Which stocks are comparable to China Huirong Financials Hldgs?
From the same area (Financial Services) we also value ORIX Corporation, Yuanta Financial Holding, Bajaj Finserv Ltd, China Galaxy Securities Co, 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 Huirong Financials Hldgs stock attractive at the current price?
The data as of Oct 2, 2026: price HK$0.5900, calculated fair value HK$0.7100 (+20%), Quality Score 55/100, 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 1290 calculated?
We run China Huirong Financials Hldgs through 11 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$0.7100, 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 14.5 % above its aggregate fair value. China Huirong Financials Hldgs currently trades 17 % 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 Huirong Financials Hldgs (1290)?
The closing price on Oct 2, 2026 was HK$0.5900. Our model-based fair value is HK$0.7100, about +20% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with China Huirong Financials Hldgs right now?
The model range is unusually wide (HK$0.3800 to HK$1.09). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (55/100) at a price below fair value, the discount is the argument here, not the business quality. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of China Huirong Financials Hldgs (1290) come from?
Earnings per share at China Huirong Financials Hldgs grew −8.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +7.3 %, EBIT margin −9.7 %, tax rate −1.1 %, residual (interest, one-offs) −4.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of China Huirong Financials Hldgs
How large is the market capitalisation of China Huirong Financials Hldgs (1290)?
The market capitalisation of China Huirong Financials Hldgs is HK$643M (≈ $82.0M). 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 China Huirong Financials Hldgs (1290)?
The price-to-sales ratio of China Huirong Financials Hldgs is 0.84 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the dividend yield of China Huirong Financials Hldgs (1290)?
The dividend yield of China Huirong Financials Hldgs is 4.6%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of China Huirong Financials Hldgs (1290)?
The net margin of China Huirong Financials Hldgs is 7.1% (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 Huirong Financials Hldgs (1290)?
The return on equity (ROE) of China Huirong Financials Hldgs 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 China Huirong Financials Hldgs (1290)?
On an EBIT basis the return on assets of China Huirong Financials Hldgs is 4.5% (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 Huirong Financials Hldgs (1290)?
The operating margin of China Huirong Financials Hldgs is 21.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at China Huirong Financials Hldgs (1290)?
Revenue at China Huirong Financials Hldgs is growing −17.5% versus a year earlier (3y avg +5.0%). 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 Huirong Financials Hldgs (1290)?
Earnings per share at China Huirong Financials Hldgs are growing −30.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does China Huirong Financials Hldgs (1290) carry?
The net debt of China Huirong Financials Hldgs is 1.0B CNY (fiscal year 2025, ≈ 19.4 yrs of FCF). 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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