Zhongguancun Science Tech Leasing C (1601) fair value: what the stock is really worth
As of Sep 30, 2026: fair value of Zhongguancun Science Tech Leasing C HK$1.19, price HK$0.65, upside +84.5%, quality 40 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$0.4169 – HK$0.9800 · fair‑value band HK$0.6775 – HK$2.37 · the HK$0.6450 price screens below the HK$1.19 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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Zhongguancun Science-Tech Leasing Co., Ltd. provides finance leasing services to science and technology innovation enterprises in the People's Republic of China.
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Zhongguancun Science-Tech Leasing Co., Ltd. provides finance leasing services to science and technology innovation enterprises in the People's Republic of China. The company offers leasing-based equity investment financial services; integration of industry and finance solution; sales, service, and intellectual property leasing; and technology small and micro-business leasing. Zhongguancun Science-Tech Leasing Co., Ltd. was founded in 2012 and is headquartered in Beijing, China.
Stock analysis
Zhongguancun Science Tech Leasing C (1601) currently trades at HK$0.6450, while our model-based Fair Value estimate is HK$1.19, implying the stock looks roughly 45.8% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of HK$3.59 per share, and 12 of the 13 models we run sit above the HK$0.6450 price.
Bear case: the Dividend Discount group reads lowest at HK$0.8300, and 1 of the 13 models stay below the price. Evidence for this calculation is low.
Scenario range: HK$0.6775 (bear) to HK$2.37 (bull), the price of HK$0.6450 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 40/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Zhongguancun Science Tech Leasing C reported revenue of 835M CNY in FY2025 versus 657M CNY in FY2021, a compound +6.2%/yr. Reported net income was 265M CNY in FY2025, compounding +7.8%/yr from FY2021.
Key figures
Market cap HK$1.3B (≈ $161M) · P/E ratio 3.7 · P/S ratio 1.18 · EPS (TTM) HK$0.0900 · Dividend yield 9.1% · Net margin 31.7% · Return on equity 9.3% · Return on assets (EBIT) 3.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 28% below its 52-week high and at 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 85%, 1601 screens cheaper than that median.
Fair Value models
Bear HK$0.6775Fair Value HK$1.19Bull HK$2.37
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$0.0233 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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+61.6%
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.
+24.7%
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.
+7.0%
Start year 2020 (pandemic)
Revenue growth 9 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.
+18.7%
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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.
+17.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+7.9%
Dividend (yield on the price)9.1%
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.7.9% vs 11.2%, 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.40% → 63%
Start year 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than 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).
+14.9%
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 +13.0% a year for the price.
Compare Zhongguancun Science Tech Leasing C 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.Credit Services · 333 stocks
Beats the industry median on 10/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score41 · Bottom 25%
Fair Value upside+84.5% · Above median
Profitability
Return on equity (TTM)9.3% · Above median
Return on assets2.2% · Below median
Net margin (TTM)49.5% · Top 25%
Operating margin (TTM)50.0% · Above median
Growth and dividend
Revenue growth6.9% · Below median
Dividend yield (TTM)9.1% · Top 25%
Balance sheet
Debt / equity1.03× · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Zhongguancun Science Tech Leasing C Fair Value". https://www.fairvalue-calculator.com/stock/1601
Frequently asked questions
Is Zhongguancun Science Tech Leasing C (1601) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of HK$1.19 versus a price of HK$0.6450, about +85% upside (undervalued).
What is the fair value of 1601?
Our model-based fair value for Zhongguancun Science Tech Leasing C is HK$1.19 (as of Sep 27, 2026), built from audited fundamentals. The current price: HK$0.6450.
What is the quality score of 1601?
Zhongguancun Science Tech Leasing C has a Quality Score of 40/100. 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 Zhongguancun Science Tech Leasing C (1601)?
Our model-based price target is the fair value of HK$1.19 (as of Sep 27, 2026) from 13 valuation models. Cautious scenario HK$0.6775, optimistic scenario HK$2.37. It is a calculation from audited fundamentals, not an analyst target.
What is the Zhongguancun Science Tech Leasing C stock forecast for 2026?
Our models put fair value at HK$1.19, about +85% upside versus a price of HK$0.6450 (undervalued). Cautious scenario HK$0.6775, optimistic scenario HK$2.37. The calculation is refreshed regularly with new filings.
What is the revenue of Zhongguancun Science Tech Leasing C (1601)?
Zhongguancun Science Tech Leasing C reported trailing-twelve-month revenue of about 561M CNY (latest available figure, as of Sep 27, 2026).
Does Zhongguancun Science Tech Leasing C pay a dividend?
Zhongguancun Science Tech Leasing C currently shows a dividend yield of about 9.15% relative to its recent price (as of Sep 27, 2026).
What growth is priced into Zhongguancun Science Tech Leasing C (1601)?
For today's price to be fair in a discounted-cash-flow model, Zhongguancun Science Tech Leasing C would have to grow free cash flow by +14.9 % per year for five years (discount rate 11.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +7.0 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of 1601 use?
Our models discount Zhongguancun Science Tech Leasing C at 11.8 %: a base by market capitalisation (micro), damped by beta 0.08, 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 Zhongguancun Science Tech Leasing C that is +14.9 % per year a year over ten years, using the same discount rate (11.8 %) and the same formula as our fair value.
How much growth has Zhongguancun Science Tech Leasing C (1601) delivered so far?
Over the past 5 years revenue at Zhongguancun Science Tech Leasing C grew +7.0 % a year. The price currently implies +14.9 % 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 Zhongguancun Science Tech Leasing C (1601) growing?
The median revenue growth in the sector is +9.1 % a year. That is the yardstick for the growth priced into Zhongguancun Science Tech Leasing C (+14.9 % 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 Zhongguancun Science Tech Leasing C (1601)?
The free-cash-flow yield on the price is 33.84 %: that much free cash flow Zhongguancun Science Tech Leasing C produces per unit of market value. When it exceeds the discount rate of our models (11.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Zhongguancun Science Tech Leasing C (1601)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Zhongguancun Science Tech Leasing C it is HK$1.19 per share (as of Sep 27, 2026), against a price of HK$0.6450. It is the blended result of 13 valuation models (cash flow, earnings, asset, dividend).
Is Zhongguancun Science Tech Leasing C stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 1601 trades below its calculated fair value: price HK$0.6450, fair value HK$1.19, a gap of about +85% (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 1601?
No. The price is what the market pays today (HK$0.6450); the fair value is what the company's own numbers justify (HK$1.19). For Zhongguancun Science Tech Leasing C the two are HK$0.5450 per share apart. That gap is exactly why we show both numbers side by side.
How much is Zhongguancun Science Tech Leasing C worth?
The market values Zhongguancun Science Tech Leasing C at about HK$1.3B (market capitalisation, as of Sep 27, 2026). Per share that is HK$0.6450; our models calculate a fair value of HK$1.19 per share.
What do the bullish and bearish scenarios say about 1601?
Our models span a range for Zhongguancun Science Tech Leasing C: cautious scenario HK$0.6775, base HK$1.19, optimistic HK$2.37 per share (as of Sep 27, 2026, price HK$0.6450). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1601?
Zhongguancun Science Tech Leasing C trades at a price-to-earnings ratio of 3.7 (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$1.19 is built from several models across several years. Other multiples: P/B 0.3, P/S 1.9, EV/EBITDA 6.1.
How solid is the balance sheet of Zhongguancun Science Tech Leasing C (1601)?
Balance-sheet figures for Zhongguancun Science Tech Leasing C (as of Sep 27, 2026): return on equity 9.3%, debt of 1.03 per unit of equity. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is 1601 from its 52-week high?
Zhongguancun Science Tech Leasing C trades at HK$0.6450, about 28% below its 52-week high of HK$0.8900 and at the low of HK$0.6450 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of HK$1.19 is for.
Which stocks are comparable to Zhongguancun Science Tech Leasing C?
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 Zhongguancun Science Tech Leasing C stock attractive at the current price?
The data as of Sep 27, 2026: price HK$0.6450, calculated fair value HK$1.19 (+85%), Quality Score 40/100, from 13 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 1601 calculated?
We run Zhongguancun Science Tech Leasing C through 13 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$1.19, 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. Zhongguancun Science Tech Leasing C currently trades 46 % 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 Zhongguancun Science Tech Leasing C (1601)?
The closing price on Sep 30, 2026 was HK$0.6450. Our model-based fair value is HK$1.19, about +85% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Zhongguancun Science Tech Leasing C right now?
The large discount to fair value meets weak quality (40/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (HK$0.6775). The market is more pessimistic than our downside scenario. The model range is unusually wide (HK$0.6775 to HK$2.37). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
Key figures of Zhongguancun Science Tech Leasing C
How large is the market capitalisation of Zhongguancun Science Tech Leasing C (1601)?
The market capitalisation of Zhongguancun Science Tech Leasing C is HK$1.3B (≈ $161M). 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 Zhongguancun Science Tech Leasing C (1601)?
The price-to-sales ratio of Zhongguancun Science Tech Leasing C is 1.18 (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 Zhongguancun Science Tech Leasing C (1601)?
Earnings per share at Zhongguancun Science Tech Leasing C are HK$0.0900 (price ÷ EPS = P/E 3.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Zhongguancun Science Tech Leasing C (1601)?
The dividend yield of Zhongguancun Science Tech Leasing C is 9.1% (payout 65.6%). 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 Zhongguancun Science Tech Leasing C (1601)?
The net margin of Zhongguancun Science Tech Leasing C is 31.7% (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 Zhongguancun Science Tech Leasing C (1601)?
The return on equity (ROE) of Zhongguancun Science Tech Leasing C is 9.3% (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 Zhongguancun Science Tech Leasing C (1601)?
On an EBIT basis the return on assets of Zhongguancun Science Tech Leasing C is 3.2% (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 Zhongguancun Science Tech Leasing C (1601)?
The operating margin of Zhongguancun Science Tech Leasing C is 50.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Zhongguancun Science Tech Leasing C (1601)?
Revenue at Zhongguancun Science Tech Leasing C is growing +6.9% versus a year earlier (3y avg +24.7%). 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 Zhongguancun Science Tech Leasing C (1601)?
Earnings per share at Zhongguancun Science Tech Leasing C are growing −10.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Zhongguancun Science Tech Leasing C (1601) carry?
The net debt of Zhongguancun Science Tech Leasing C is 7.6B CNY (fiscal year 2025, ≈ 27.4 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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