1905 (1905) Fair Value & Analysis

Financial Services · Market cap HK$5.9B

1 1905 1905 · HK

PriceHK$0.7200

Fair ValueHK$1.44

Upside+100.0%

Quality60/100

Watch 1905 for free — get notified when fair value or trend changes. Watch for free

Evidence: High Range HK$1.22 – HK$2.02

Fair value as of: Jul 2, 2026

From 26 valuation models · updated today

Share price −5.3% over the past month.

Price vs Fair Value (12 months)

12‑month range HK$0.7150 – HK$0.8373 · fair‑value band HK$1.22 – HK$2.02 · the HK$0.7200 price screens below the HK$1.44 fair value. As of Jul 2, 2026.

✦ Which stocks are undervalued right now? Check free Discover now →

Analysis

1905 (1905) currently trades at HK$0.7200, while our model-based Fair Value estimate is HK$1.44 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 60/100 (solid 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, 1905 generated revenue of HK$4.1B at a net margin of 32.2%. Revenue declined 16.9% year over year. It earns a return on equity of 6.6%. Net debt stands at HK$74.5B. Fundamentals as of Jul 2, 2026

Key figures & financial health

Revenue (TTM) HK$4.1B

Revenue growth (YoY) -16.9%

Net margin 32.2%

Return on equity 6.6%

Free cash flow HK$3.6B FY2025

P/E ratio 4.0

More key figures

Operating margin 38.6%

EPS (TTM) HK$0.0900

Dividend yield 11.8%

EPS growth (YoY) -20.0%

Net debt HK$74.5B FY2025

Figures from reported company fundamentals (EODHD) · as of Jul 2, 2026. TTM = trailing twelve months.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

1905 reported revenue of HK$6.9B in FY2025 versus HK$3.3B in FY2021, a compound +20.0%/yr. Reported net income was HK$1.4B in FY2025, compounding −0.4%/yr from FY2021.

Revenue +20.0%/yr

FY21 HK$3.3B

FY22 HK$4.0B

FY23 HK$4.4B

FY24 HK$5.8B

FY25 HK$6.9B

Net income −0.4%/yr

FY21 HK$1.4B

FY22 HK$1.5B

FY23 HK$1.6B

FY24 HK$1.5B

FY25 HK$1.4B

Is 1905 fairly valued? → Check now

Similar stocks

6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 2, 2026).

Stock	Price	Fair Value	vs Fair Value
Visa Inc V	5,663 MXN	3,002 MXN	-47%
Mastercard Incorporated MA	C$29.95	C$17.76	-41%
M4I M4I	€430.50	€367.81	-15%
American Express Company AXP	C$28.87	C$24.27	-16%
Capital One Financial Corporation COF	$200.70	$125.08	-38%
Bajaj Finance Limited BAJFINANCE	₹884.10	₹604.72	-32%

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks Technology Financial Services Healthcare Consumer Cyclical Consumer Defensive Communication Services Industrials Energy Basic Materials Real Estate Utilities Deeply Undervalued Stocks Undervalued Blue-Chip Stocks Undervalued Small-Cap Stocks

Frequently asked questions

Is 1905 (1905) undervalued?

As of Jul 2, 2026, our model estimates a fair value of HK$1.44 versus a price of HK$0.7200 — about +100% (undervalued). Model-based estimate, not financial advice.

What is the fair value of 1905?

Our model-based fair value for 1905 is HK$1.44 (as of Jul 2, 2026), built from audited fundamentals. The current price is HK$0.7200.

What is the quality score of 1905?

1905 has a Quality Score of 60/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

What is the revenue of 1905 (1905)?

1905 reported trailing-twelve-month revenue of about HK$4.1B (latest available figure, as of Jul 2, 2026).

What is the net profit margin of 1905?

The net profit margin of 1905 is about 32.2%, meaning it keeps roughly 32.2% of revenue as net income. Based on the latest reported figures.

Does 1905 pay a dividend?

1905 currently shows a dividend yield of about 11.81% relative to its recent price (as of Jul 2, 2026).

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.