Global International Credit Group Limited (1669) Fair Value & Analysis
Financial Services · HK · Market cap HK$516M
Fair value as of: Aug 13, 2026
From 11 valuation models · updated 3 days ago
Share price +18.1% over the past month.
A strong business, screening 13% undervalued on our models.
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- Our model range runs from HK$1.27 (bear) to HK$2.12 (bull), base HK$1.70. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 78/100 (high quality) with high evidence: the data supports the verdict.
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$0.3028 – HK$1.52 · fair‑value band HK$1.27 – HK$2.12 · the HK$1.50 price screens below the HK$1.70 fair value. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Global International Credit Group Limited (1669) currently trades at HK$1.50, while our model-based Fair Value estimate is HK$1.70, implying the stock looks roughly 13.3% undervalued today. The Quality Score stands at 78/100 (high 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: high), always confirm before acting.
Over the trailing twelve months, Global International Credit Group Limited generated revenue of HK$86.0M at a net margin of 60.8%. Revenue grew 1.7% year over year. It earns a return on equity of 5.5%. The balance sheet holds a net cash position of HK$399M. Fundamentals as of Aug 13, 2026
Our scenario range runs from HK$1.27 (bear case) to HK$2.12 (bull case); at HK$1.50, the current price sits within 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 4% below its 52-week high and 120% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -45% fair-value upside, at 13%, 1669 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: Growth DCF (HK$8.67) versus Dividend Discount (HK$1.01). 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 76 · Market factors (momentum, volatility) 91
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
Global International Credit Group Limited, an investment holding company, engages in the money lending business in Hong Kong. It offers short-term and long-term property mortgage loans; first and second mortgage loans; carpark mortgage; home ownership scheme loans; and personal loans.
Full company description
Global International Credit Group Limited, an investment holding company, engages in the money lending business in Hong Kong. It offers short-term and long-term property mortgage loans; first and second mortgage loans; carpark mortgage; home ownership scheme loans; and personal loans. The company was founded in 2008 and is headquartered in Central, Hong Kong. Global International Credit Group Limited operates as a subsidiary of Blossom Spring Global Limited.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Global International Credit Group Limited reported revenue of HK$84.6M in FY2025 versus HK$85.6M in FY2021, a compound −0.3%/yr. Reported net income was HK$52.2M in FY2025, compounding −0.1%/yr from FY2021.
of which total revenue −2.4 pp · buybacks/dilution −0.9 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
Credit Services · 333 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 Credit Services 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 Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.42 | $198.27 | -45% |
| Mastercard Incorporated MA | $561.44 | $221.87 | -60% |
| Bajaj Finance Limited BAJFINANCE | ₹1,094 | ₹397.61 | -64% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,117 | ₹553.83 | -50% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,918 | ₹796.52 | -58% |
| Tata Capital Limited TATACAP | ₹367.05 | ₹149.40 | -59% |
| Power Finance Corporation PFC | ₹376.50 | ₹615.85 | +64% |
| Muthoot Finance Limited MUTHOOTFIN | ₹2,876 | ₹3,429 | +19% |
| Indian Railway Finance Corporation IRFC | ₹88.35 | ₹69.72 | -21% |
| REC Limited RECLTD | ₹346.00 | ₹692.00 | +100% |
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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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