2003 (2003) Fair Value & Analysis

Financial Services · Market cap HK$442M

2 2003 2003 · HK

PriceHK$0.9100

Fair ValueHK$0.6361

Upside-30.1%

Quality47/100

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Evidence: Medium Range HK$0.3530 – HK$1.08

Fair value as of: Jul 2, 2026

From 8 valuation models · updated today

Share price −15.7% over the past month.

Price vs Fair Value (12 months)

12‑month range HK$0.8800 – HK$3.76 · fair‑value band HK$0.3530 – HK$1.08 · the HK$0.9100 price screens above the HK$0.6361 fair value. As of Jul 2, 2026.

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Analysis

2003 (2003) currently trades at HK$0.9100, while our model-based Fair Value estimate is HK$0.6361 — implying the stock looks roughly 30.1% overvalued today. We read business quality at 47/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).

Over the trailing twelve months, 2003 generated revenue of HK$1.9B at a net margin of -29.2%. Revenue declined 89.6% year over year. It earns a return on equity of -13.1%. Net debt stands at HK$965M. Fundamentals as of Jul 2, 2026

Key figures & financial health

Revenue (TTM) HK$1.9B

Revenue growth (YoY) -89.6%

Net margin -29.2%

Return on equity -13.1%

Free cash flow HK$2.5B FY2025

Operating margin -439%

More key figures

EPS (TTM) HK$0.4400

Dividend yield 5.0%

EPS growth (YoY) +78.5%

Net debt HK$965M FY2025

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

2003 reported revenue of HK$1.9B in FY2025 versus HK$3.0B in FY2021, a compound −10.4%/yr. Reported net income was −HK$560M in FY2025.

Revenue −10.4%/yr

FY21 HK$3.0B

FY22 HK$1.8B

FY23 HK$2.8B

FY24 HK$2.7B

FY25 HK$1.9B

Net income

FY21 HK$1.2B

FY22 HK$532M

FY23 HK$454M

FY24 HK$478M

FY25 −HK$560M

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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	3,063 MXN	-46%
Mastercard Incorporated MA	C$29.95	C$10.05	-66%
M4I M4I	€430.50	€317.57	-26%
American Express Company AXP	C$28.87	C$23.85	-17%
Capital One Financial Corporation COF	$183.20	$122.33	-33%
Bajaj Finance Limited BAJFINANCE	₹968.30	₹720.78	-26%

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Frequently asked questions

Is 2003 (2003) undervalued?

As of Jul 2, 2026, our model estimates a fair value of HK$0.6361 versus a price of HK$0.9100 — about −30% (overvalued). Model-based estimate, not financial advice.

What is the fair value of 2003?

Our model-based fair value for 2003 is HK$0.6361 (as of Jul 2, 2026), built from audited fundamentals. The current price is HK$0.9100.

What is the quality score of 2003?

2003 has a Quality Score of 47/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

What is the revenue of 2003 (2003)?

2003 reported trailing-twelve-month revenue of about HK$1.9B (latest available figure, as of Jul 2, 2026).

What is the net profit margin of 2003?

The net profit margin of 2003 is about -29.2%, meaning it is currently running at a net loss. Based on the latest reported figures.

Does 2003 pay a dividend?

2003 currently shows a dividend yield of about 5.00% 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.