Guangdong Join-Share (1543) fair value: what the stock is really worth
As of Sep 30, 2026: fair value of Guangdong Join-Share HK$0.38, price HK$0.19, upside +100.0%, quality 62 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 Sep 27, 2026.
How to read this chart
60‑month range HK$0.1520 – HK$1.59 · fair‑value band HK$0.3470 – HK$0.4150 · the HK$0.1890 price screens below the HK$0.3780 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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Guangdong Join-Share Financing Guarantee Investment Co., Ltd., together with its subsidiaries, provides credit-based financing solutions to small and medium-sized enterprises (SMEs) for their financing and business needs in the People's Republic of China. The company operates in two segments: Guarantee Business and SMEs Lending.
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Guangdong Join-Share Financing Guarantee Investment Co., Ltd., together with its subsidiaries, provides credit-based financing solutions to small and medium-sized enterprises (SMEs) for their financing and business needs in the People's Republic of China. The company operates in two segments: Guarantee Business and SMEs Lending. The Guarantees Business segment offers financing guarantees, such as indirect and direct financing guarantees; non-financing guarantees, including litigation preservation guarantees, engineering guarantee letters, and other performance guarantee letters; performance guarantees; and litigation guarantees. This segment also provides debt financing, internal control, and risk management-related consulting services to the guarantee customers; and guarantees on behalf of SMEs and individual business proprietors. The SMEs Lending segment offers loan and related financing consulting services to small and medium-sized and micro-enterprises; micro-enterprises or the owners of SME enterprises; and micro-lending, entrusted loans to SMEs, individual business proprietors, and individuals. The company also provides investment and consulting services; microcredit, supply chain, factoring, and related consulting services; and digital technology services. Guangdong Join-Share Financing Guarantee Investment Co., Ltd. was formerly known as Guangdong Join-Share Guarantee Investment Co., Ltd. and changed its name to Guangdong Join-Share Financing Guarantee Investment Co., Ltd. in April 2011. The company was incorporated in 2003 and is headquartered in Foshan, China.
Stock analysis
Guangdong Join-Share (1543) currently trades at HK$0.1890, while our model-based Fair Value estimate is HK$0.3780, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of HK$1.01 per share, and 9 of the 12 models we run sit above the HK$0.1890 price.
Bear case: the Earnings-Based group reads lowest at HK$0.0600, and 3 of the 12 models stay below the price. Evidence for this calculation is low.
Scenario range: HK$0.3470 (bear) to HK$0.4150 (bull), the price of HK$0.1890 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 62/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
Guangdong Join-Share reported revenue of 297M CNY in FY2025 versus 369M CNY in FY2021, a compound −5.3%/yr. Reported net income was 10.1M CNY in FY2025, compounding −40.7%/yr from FY2021.
Key figures
Market cap HK$295M (≈ $37.6M) · P/E ratio 19.3 · P/S ratio 0.66 · EPS (TTM) HK$0.0100 · Dividend yield 13.0% · Net margin 3.4% · Return on equity 1.2% · Return on assets (EBIT) 2.8%.
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 49% below its 52-week high and 24% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 100%, 1543 screens cheaper than that median.
Fair Value models
Bear HK$0.3470Fair Value HK$0.3780Bull HK$0.4150
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. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (HK$0.0075 per share) are deliberately not added.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.40/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−23.2%
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.
−4.0%
Start year 2020 (pandemic). Over 10 years: −0.5% a year
Revenue growth 13 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.
+2.0%
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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. Basis: EBIT basis.
−2.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year−15.6%
Dividend (yield on the price)13.0%
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.−37.6% vs −26.4%, slowing
Profit margin 2020 to 2025 ⓘ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.47% → 25%
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 6.0%/yr over ~10Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
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 %
Yearly growth needed for the next five years to justify today's price.
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.Credit Services · 333 stocks
Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score64 · Top 25%
Fair Value upside+100.0% · Top 25%
Profitability
Return on equity (TTM)1.2% · Bottom 25%
Return on assets1.4% · Below median
Net margin (TTM)3.4% · Bottom 25%
Operating margin (TTM)21.2% · Below median
Growth and dividend
Revenue growth−24.1% · Bottom 25%
Dividend yield (TTM)13.0% · Top 25%
Balance sheet
Debt / equity0.25× · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Guangdong Join-Share Fair Value". https://www.fairvalue-calculator.com/stock/1543
Frequently asked questions
Is Guangdong Join-Share (1543) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of HK$0.3780 versus a price of HK$0.1890, about +100% upside (undervalued).
What is the fair value of 1543?
Our model-based fair value for Guangdong Join-Share is HK$0.3780 (as of Sep 27, 2026), built from audited fundamentals. The current price: HK$0.1890.
What is the quality score of 1543?
Guangdong Join-Share has a Quality Score of 62/100. 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 Guangdong Join-Share (1543)?
Our model-based price target is the fair value of HK$0.3780 (as of Sep 27, 2026) from 12 valuation models. Cautious scenario HK$0.3470, optimistic scenario HK$0.4150. It is a calculation from audited fundamentals, not an analyst target.
What is the Guangdong Join-Share stock forecast for 2026?
Our models put fair value at HK$0.3780, about +100% upside versus a price of HK$0.1890 (undervalued). Cautious scenario HK$0.3470, optimistic scenario HK$0.4150. The calculation is refreshed regularly with new filings.
What is the revenue of Guangdong Join-Share (1543)?
Guangdong Join-Share reported trailing-twelve-month revenue of about 310M CNY (latest available figure, as of Sep 27, 2026).
Does Guangdong Join-Share pay a dividend?
Guangdong Join-Share currently shows a dividend yield of about 12.96% relative to its recent price (as of Sep 27, 2026).
What growth is priced into Guangdong Join-Share (1543)?
For today's price to be fair in a discounted-cash-flow model, Guangdong Join-Share would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 10.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -4.0 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of 1543 use?
Our models discount Guangdong Join-Share at 10.3 %: a base by market capitalisation (nano), 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 Guangdong Join-Share that is less than minus 40 % per year a year over ten years, using the same discount rate (10.3 %) and the same formula as our fair value.
How much growth has Guangdong Join-Share (1543) delivered so far?
Over the past 5 years revenue at Guangdong Join-Share grew -4.0 % a year. The price currently implies less than minus 40 % 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 Guangdong Join-Share (1543) growing?
The median revenue growth in the sector is +9.1 % a year. That is the yardstick for the growth priced into Guangdong Join-Share (less than minus 40 % 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 Guangdong Join-Share (1543)?
The free-cash-flow yield on the price is 33.54 %: that much free cash flow Guangdong Join-Share produces per unit of market value. When it exceeds the discount rate of our models (10.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Guangdong Join-Share (1543)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Guangdong Join-Share it is HK$0.3780 per share (as of Sep 27, 2026), against a price of HK$0.1890. It is the blended result of 12 valuation models (cash flow, earnings, asset, dividend).
Is Guangdong Join-Share stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 1543 trades below its calculated fair value: price HK$0.1890, fair value HK$0.3780, a gap of about +100% (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 1543?
No. The price is what the market pays today (HK$0.1890); the fair value is what the company's own numbers justify (HK$0.3780). For Guangdong Join-Share the two are HK$0.1890 per share apart. That gap is exactly why we show both numbers side by side.
How much is Guangdong Join-Share worth?
The market values Guangdong Join-Share at about HK$295M (market capitalisation, as of Sep 27, 2026). Per share that is HK$0.1890; our models calculate a fair value of HK$0.3780 per share.
What do the bullish and bearish scenarios say about 1543?
Our models span a range for Guangdong Join-Share: cautious scenario HK$0.3470, base HK$0.3780, optimistic HK$0.4150 per share (as of Sep 27, 2026, price HK$0.1890). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1543?
Guangdong Join-Share trades at a price-to-earnings ratio of 19.3 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of HK$0.3780 is built from several models across several years. Other multiples: P/B 0.1, P/S 0.8.
How solid is the balance sheet of Guangdong Join-Share (1543)?
Balance-sheet figures for Guangdong Join-Share (as of Sep 27, 2026): return on equity 1.2%, debt of 0.25 per unit of equity. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is 1543 from its 52-week high?
Guangdong Join-Share trades at HK$0.1890, about 49% below its 52-week high of HK$0.3700 and 24% above the low of HK$0.1520 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of HK$0.3780 is for.
Which stocks are comparable to Guangdong Join-Share?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 Guangdong Join-Share stock attractive at the current price?
The data as of Sep 27, 2026: price HK$0.1890, calculated fair value HK$0.3780 (+100%), Quality Score 62/100, from 12 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 1543 calculated?
We run Guangdong Join-Share through 12 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$0.3780, 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 14.7 % above its aggregate fair value. Guangdong Join-Share currently trades 50 % 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 Guangdong Join-Share (1543)?
The closing price on Sep 30, 2026 was HK$0.1890. Our model-based fair value is HK$0.3780, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Guangdong Join-Share right now?
The price is below even our cautious bear case (HK$0.3470). 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. Solid quality (62/100) 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.
Where does the earnings growth of Guangdong Join-Share (1543) come from?
Earnings per share at Guangdong Join-Share grew −19.7 % a year from 2014 to 2025. Broken into its drivers: revenue per share −5.0 %, EBIT margin −9.8 %, tax rate −2.3 %, residual (interest, one-offs) −4.0 %. 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 Guangdong Join-Share
How large is the market capitalisation of Guangdong Join-Share (1543)?
The market capitalisation of Guangdong Join-Share is HK$295M (≈ $37.6M). 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 Guangdong Join-Share (1543)?
The price-to-sales ratio of Guangdong Join-Share is 0.66 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Guangdong Join-Share (1543)?
Earnings per share at Guangdong Join-Share are HK$0.0100 (price ÷ EPS = P/E 19.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Guangdong Join-Share (1543)?
The dividend yield of Guangdong Join-Share is 13.0%. 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 Guangdong Join-Share (1543)?
The net margin of Guangdong Join-Share is 3.4% (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 Guangdong Join-Share (1543)?
The return on equity (ROE) of Guangdong Join-Share is 1.2% (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 Guangdong Join-Share (1543)?
On an EBIT basis the return on assets of Guangdong Join-Share is 2.8% (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 Guangdong Join-Share (1543)?
The operating margin of Guangdong Join-Share is 21.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Guangdong Join-Share (1543)?
Revenue at Guangdong Join-Share is growing −24.1% 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 Guangdong Join-Share (1543)?
Earnings per share at Guangdong Join-Share are growing −4.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Guangdong Join-Share (1543) carry?
The net debt of Guangdong Join-Share is 187M CNY (fiscal year 2025, ≈ 2.2 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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