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China Art Financial Holdings Ltd (1572) fair value: what the stock is really worth

As of Sep 30, 2026: fair value of China Art Financial Holdings Ltd HK$0.15, price HK$0.08, upside +88.0%, quality 60 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · HK · ISIN KYG2120M1050

CA Thin data Sep 27, 2026

China Art Financial Holdings Ltd

1572 · HK

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value HK$0.1466 · Strongly undervalued (+88.0%)
✓Quality 60/100
!Expensive Growth (revenue 5y +17.2 %/yr)
!Loss-making · -0.4% net margin (TTM)
!Low debt · negative free cash flow
!Mixed vs. peers (5/9)
!Narrow moat 17/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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

Price vs Fair Value

HK$0.4250 HK$0.0570 Fair Value HK$0.1466 May 2021 Sep 2026

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$0.0570 – HK$0.4250 · the HK$0.0780 price screens below the HK$0.1466 fair value. Dashed = 300-day average. As of Sep 27, 2026.

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Company profile

China Art Financial Holdings Limited, an investment holding company, operates as an art finance service provider in the People's Republic of China. The company operates through three segments: Art and Asset Pawn Business, Art and Asset Auction Business, and Art and Asset Sales Business.

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China Art Financial Holdings Limited, an investment holding company, operates as an art finance service provider in the People's Republic of China. The company operates through three segments: Art and Asset Pawn Business, Art and Asset Auction Business, and Art and Asset Sales Business. The company provides pawn loan services secured by artworks and assets as collateral. Its artwork collateral portfolio primarily includes zisha artworks, as well as paintings and calligraphies, and jewel artworks. It also offers online art auction and related services; and agency services. The company was founded in 2004 and is headquartered in Yixing, the People's Republic of China. China Art Financial Holdings Limited operates as a subsidiary of Intelligenesis Investment Co., Ltd.

Stock analysis

China Art Financial Holdings Ltd (1572) currently trades at HK$0.0780, while our model-based Fair Value estimate is HK$0.1466, implying the stock looks roughly 46.8% undervalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of HK$0.5100 per share, and 6 of the 6 models we run sit above the HK$0.0780 price.

Bear case: the Earnings-Based group reads lowest at HK$0.1900, and 0 of the 6 models stay below the price. Evidence for this calculation is low.

Quality & growth

The Quality Score stands at 60/100 (solid quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

China Art Financial Holdings Ltd reported revenue of 125M CNY in FY2025 versus 42.9M CNY in FY2021, a compound +30.8%/yr. Reported net income was −475K CNY in FY2025.

Key figures

Market cap HK$132M (≈ $16.8M) · P/S ratio 1.14 · Net margin −0.4% · Return on equity 0.0% · Return on assets (EBIT) 1.7% · Operating margin 4.9% · Revenue (TTM) 134M CNY · Revenue growth (YoY) +162%.

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 26% below its 52-week high and 13% 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 88%, 1572 screens cheaper than that median.

Fair Value models

Bear HK$0.1466 Fair Value HK$0.1466 Bull HK$0.1466
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.
Highest evidence
EPV HK$0.1900 HK$0.1900 HK$0.1900 74
ROIC Compounder HK$0.1900 HK$0.1900 HK$0.1900 72
EV/EBITDA HK$0.2000 HK$0.2000 HK$0.2100 67
All 6 models by family
Earnings-Based
EPV HK$0.1900 HK$0.1900 HK$0.1900 74
Multiples
EV/EBIT HK$0.2000 HK$0.2000 HK$0.2100 66
EV/EBITDA HK$0.2000 HK$0.2000 HK$0.2100 67
EV/Revenue HK$0.2000 HK$0.2000 HK$0.2100 54
Asset-Based
NCAV (Graham) HK$0.3800 HK$0.5100 HK$0.7700 54
Economic Profit
ROIC Compounder HK$0.1900 HK$0.1900 HK$0.1900 72

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Quality Score breakdown

Overall quality 60/100

Of which business quality 59 · Market factors (momentum, volatility) 18

Profitability 13
Margins and returns on capital today
Quality Growth 64
Are margins and returns improving?
Cashflow 33
Earnings quality: real cash, not paper profit
Fin. Strength 94
Balance sheet, leverage, solvency risk
Investment 97
Disciplined investing over empire-building
Low Volatility 16
Calm price path (market factor)
Momentum 20
Price trend over the last 3–12 months (market factor)
52W Momentum 18
Distance to the 52-week high (market factor)
Net Issuance 79
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 44/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+75.8%
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.
+66.2%
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.
+17.2%
Start year 2020 (pandemic). Over 10 years: +1.5% a year
Revenue growth 12 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.
+10.0%
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.
78.1% (2020) → 1.8% (2025)
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

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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 · 334 stocks

Beats the industry median on 4/7 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 60 · Above median
Fair Value upside +87.9% · Above median
Profitability
Return on assets 0.4% · Bottom 25%
Net margin (TTM) −0.4% · Bottom 25%
Operating margin (TTM) 4.9% · Bottom 25%
Growth and dividend
Revenue growth 161.6% · Top 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/S (TTM) 0.13× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 50
FUTURE (revenue growth)100 · sector 42
PAST (return on equity)0 · sector 32
HEALTH (low debt)100 · sector 59
DIVIDEND (yield)0 · sector 65

Context: sector, industry, market

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 Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Visa Inc V $367.38 $221.29 −40%
Mastercard Incorporated MA $567.65 $359.54 −37%
American Express Company AXP $308.89 $208.54 −32%
Capital One Financial Corporation COF $200.20 $125.94 −37%
Bajaj Finance Limited BAJFINANCE ₹996.90 ₹1,100 +10%
PayPal Holdings PYPL $55.04 $104.12 +89%
Shriram Finance Limited SHRIRAMFIN ₹994.10 ₹1,364 +37%
Affirm Holdings AFRM $67.21 $73.93 +10%
Synchrony Financial, SYF $71.52 $141.92 +98%
SoFi Technologies, Inc SOFI $16.58 $5.53 −67%

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China Art Financial Holdings Ltd · Fair Value
HK$0.1466 +47%Fair Value
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Cite: Fair Value Calculator (2026). "China Art Financial Holdings Ltd Fair Value". https://www.fairvalue-calculator.com/stock/1572

Frequently asked questions

Is China Art Financial Holdings Ltd (1572) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of HK$0.1466 versus a price of HK$0.0780, about +88% upside (undervalued).
What is the fair value of 1572?
Our model-based fair value for China Art Financial Holdings Ltd is HK$0.1466 (as of Sep 27, 2026), built from audited fundamentals. The current price: HK$0.0780.
What is the quality score of 1572?
China Art Financial Holdings Ltd has a Quality Score of 60/100. 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 Art Financial Holdings Ltd (1572)?
Our model-based price target is the fair value of HK$0.1466 (as of Sep 27, 2026) from 6 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the China Art Financial Holdings Ltd stock forecast for 2026?
Our models put fair value at HK$0.1466, about +88% upside versus a price of HK$0.0780 (undervalued). The calculation is refreshed regularly with new filings.
What is the revenue of China Art Financial Holdings Ltd (1572)?
China Art Financial Holdings Ltd reported trailing-twelve-month revenue of about 134M CNY (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of China Art Financial Holdings Ltd (1572)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For China Art Financial Holdings Ltd it is HK$0.1466 per share (as of Sep 27, 2026), against a price of HK$0.0780. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is China Art Financial Holdings Ltd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 1572 trades below its calculated fair value: price HK$0.0780, fair value HK$0.1466, a gap of about +88% (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 1572?
No. The price is what the market pays today (HK$0.0780); the fair value is what the company's own numbers justify (HK$0.1466). For China Art Financial Holdings Ltd the two are HK$0.0686 per share apart. That gap is exactly why we show both numbers side by side.
How much is China Art Financial Holdings Ltd worth?
The market values China Art Financial Holdings Ltd at about HK$132M (market capitalisation, as of Sep 27, 2026). Per share that is HK$0.0780; our models calculate a fair value of HK$0.1466 per share.
How solid is the balance sheet of China Art Financial Holdings Ltd (1572)?
Balance-sheet figures for China Art Financial Holdings Ltd (as of Sep 27, 2026): return on equity 0.0%. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is 1572 from its 52-week high?
China Art Financial Holdings Ltd trades at HK$0.0780, about 26% below its 52-week high of HK$0.1060 and 13% above the low of HK$0.0690 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of HK$0.1466 is for.
Which stocks are comparable to China Art Financial Holdings Ltd?
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 China Art Financial Holdings Ltd stock attractive at the current price?
The data as of Sep 27, 2026: price HK$0.0780, calculated fair value HK$0.1466 (+88%), Quality Score 60/100, from 6 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 1572 calculated?
We run China Art Financial Holdings Ltd through 6 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$0.1466, 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. China Art Financial Holdings Ltd currently trades 47 % 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 Art Financial Holdings Ltd (1572)?
The closing price on Sep 30, 2026 was HK$0.0780. Our model-based fair value is HK$0.1466, about +88% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with China Art Financial Holdings Ltd right now?
The price is below even our cautious bear case (HK$0.1466). 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 (60/100) 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 China Art Financial Holdings Ltd (1572) come from?
Earnings per share at China Art Financial Holdings Ltd grew −28.0 % a year from 2014 to 2025. Broken into its drivers: revenue per share −15.3 %, EBIT margin −13.6 %, tax rate −0.8 %, residual (interest, one-offs) −0.9 %. 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 Art Financial Holdings Ltd

How large is the market capitalisation of China Art Financial Holdings Ltd (1572)?
The market capitalisation of China Art Financial Holdings Ltd is HK$132M (≈ $16.8M). 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 Art Financial Holdings Ltd (1572)?
The price-to-sales ratio of China Art Financial Holdings Ltd is 1.14 (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 China Art Financial Holdings Ltd (1572)?
The net margin of China Art Financial Holdings Ltd is −0.4% (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 China Art Financial Holdings Ltd (1572)?
The return on equity (ROE) of China Art Financial Holdings Ltd is 0.0% (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 Art Financial Holdings Ltd (1572)?
On an EBIT basis the return on assets of China Art Financial Holdings Ltd is 1.7% (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 Art Financial Holdings Ltd (1572)?
The operating margin of China Art Financial Holdings Ltd is 4.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at China Art Financial Holdings Ltd (1572)?
Revenue at China Art Financial Holdings Ltd is growing +162% versus a year earlier (3y avg +66.2%). 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 Art Financial Holdings Ltd (1572)?
Earnings per share at China Art Financial Holdings Ltd are growing −95.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does China Art Financial Holdings Ltd (1572) generate?
The free cash flow of China Art Financial Holdings Ltd is −340M CNY (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does China Art Financial Holdings Ltd (1572) hold?
China Art Financial Holdings Ltd holds more cash than debt, 234M CNY net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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