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Universal Med Finl & (2666) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Universal Med Finl & HK$28.22, price HK$4.41, upside +540.6%, quality 61 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

Fair value above price? Yes
Good quality? Yes
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Financial Services · HK · ISIN HK0000255361

UM Thin data Sep 29, 2026

Universal Med Finl &

2666 · HK

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

✓Fair value HK$28.22 · Strongly undervalued (+540.6%)

✓Quality 61/100

✓Healthy Growth (revenue 5y +12.0 %/yr)

✓Solidly profitable · 15.2% net margin (TTM)

✓Moderate debt · generates free cash flow

✓7.4% dividend yield · Well covered

✓Ranks above peers (10/14)

!Moderate moat 51/100

!Evidence only low, so the estimate is less certain

!The models disagree: range HK$9.77 to HK$47.40

!Weak on future: 12 out of 100

26 models, one by oneBear HK$9.77 to bull HK$47.40 Growth analysisrevenue history, year by year Quality 61/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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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

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 29, 2026.

How to read this chart

60‑month range HK$2.43 – HK$6.16 · fair‑value band HK$9.77 – HK$47.40 · the HK$4.41 price screens below the HK$28.22 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 29, 2026.

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Company profile

Genertec Universal Medical Group Company Limited, together with its subsidiaries, provides financing, advisory, and medical services in the Mainland China. It operates through two segments, Finance Business and Healthcare Business. The Finance Business segment offers direct finance leasing; sale and leaseback; factoring; operating leases; and advisory services. Its Healthcare Business segment includes medical and healthcare services; hospital operations; import, export, and trading of medical-related goods; equipment life cycle management; medical digitalization services; and intelligent medical health and elder care. The company also provides medical and professional technology, financing, hospital management, medical consulting, sale of medical related goods, medical, software development, and elderly care services. It serves patients, hospitals, medical equipment suppliers, and other public institutions. The company was formerly known as Universal Medical Financial & Technical Advisory Services Company Limited and changed its name to Genertec Universal Medical Group Company Limited in July 2018. The company was founded in 1984 and is headquartered in Beijing, China.

Stock analysis

Universal Med Finl & (2666) currently trades at HK$4.41, while our model-based Fair Value estimate is HK$28.22, implying the stock looks roughly 84.4% undervalued today.

Valuation

Bull case: the Growth Earnings group reads highest at a median of HK$36.43 per share, and 26 of the 26 models we run sit above the HK$4.41 price.

Bear case: the Dividend Discount group reads lowest at HK$4.57, and 0 of the 26 models stay below the price. Evidence for this calculation is low.

Scenario range: HK$9.77 (bear) to HK$47.40 (bull), the price of HK$4.41 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 61/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Universal Med Finl & reported revenue of 14.5B CNY in FY2025 versus 9.6B CNY in FY2021, a compound +11.0%/yr. Reported net income was 2.2B CNY in FY2025, compounding +3.2%/yr from FY2021.

Key figures

Market cap HK$8.9B (≈ $1.1B) · P/E ratio 3.5 · P/S ratio 0.52 · EPS (TTM) HK$1.28 · Dividend yield 7.4% · Net margin 15.2% · Return on equity 9.7% · Return on assets (EBIT) 9.6%.

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 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 541%, 2666 screens cheaper than that median.

Fair Value models

Bear HK$9.77 Fair Value HK$28.22 Bull HK$47.40

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$0.2238 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.

Highest evidence

Residual Income HK$9.60 HK$10.69 HK$13.47 76

EPV HK$38.19 HK$45.40 HK$51.40 74

FCF DCF HK$8.87 HK$21.59 HK$55.73 71

All 26 models by family

DCF Models

FCF DCF HK$8.87 HK$21.59 HK$55.73 71

Owner Earnings HK$0.6300 HK$17.05 HK$47.52 65

5Y Revenue Exit HK$5.32 HK$21.16 HK$51.99 64

5Y EBITDA Exit HK$46.02 HK$108.69 HK$224.59 69

5Y P/E Exit HK$6.73 HK$28.05 HK$55.31 65

10Y Revenue Exit HK$5.64 HK$24.74 HK$45.85 62

10Y EBITDA Exit HK$32.54 HK$95.77 HK$215.73 62

10Y P/E Exit HK$7.16 HK$27.19 HK$61.05 57

Earnings-Based

Graham-Dodd HK$8.71 HK$60.77 HK$85.28 63

Lynch FV HK$18.41 HK$26.31 HK$34.20 61

PEG = 1.0 HK$18.41 HK$26.31 HK$34.20 57

EPV HK$38.19 HK$45.40 HK$51.40 74

Dividend Discount

Gordon GGM HK$2.77 HK$5.00 HK$6.88 68

DDM Multi-Stage HK$2.77 HK$4.57 HK$5.34 67

Multiples

P/E Multiple HK$21.14 HK$28.19 HK$35.24 63

P/S Multiple HK$16.34 HK$21.78 HK$27.23 58

P/B Multiple HK$16.34 HK$21.78 HK$27.23 55

EV/EBIT HK$78.94 HK$110.14 HK$141.35 66

EV/EBITDA HK$67.06 HK$94.31 HK$121.56 67

EV/Revenue HK$3.03 HK$10.62 HK$18.21 49

Asset-Based

NCAV (Graham) HK$5.59 HK$7.50 HK$11.19 54

Growth DCF

Growth DCF HK$7.62 HK$23.95 HK$52.19 71

Rev-Margin DCF HK$5.32 HK$23.72 HK$51.31 65

Economic Profit

Residual Income HK$9.60 HK$10.69 HK$13.47 76

ROIC Compounder HK$48.73 HK$71.60 HK$101.12 71

Growth Earnings

Growth-Adj P/E HK$25.50 HK$36.43 HK$47.35 67

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Quality Score breakdown

Overall quality 61/100

Of which business quality 58 · Market factors (momentum, volatility) 38

Profitability 32

Margins and returns on capital today

Quality Growth 53

Are margins and returns improving?

Cashflow 85

Earnings quality: real cash, not paper profit

Fin. Strength 33

Balance sheet, leverage, solvency risk

Investment 74

Disciplined investing over empire-building

Low Volatility 91

Calm price path (market factor)

Momentum 23

Price trend over the last 3–12 months (market factor)

52W Momentum 4

Distance to the 52-week high (market factor)

Net Issuance 86

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. 91/100

Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Revenue growth 1 year

+6.4%

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.

+7.9%

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.

+12.0%

Start year 2020 (pandemic). Over 10 years: +20.8% a year

Revenue growth 13 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.

+27.9%

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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.

+10.2%

Earnings growth per share plus dividend.

Earnings per share, growth per year+2.8%

Dividend (yield on the price)7.4%

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.2.8% vs 8.0%, slowing

Profit margin 2019 to 2024 ⓘ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.34% → 23%

Start year 2020 (pandemic)

Growth Forecast

Little optimism in the price

The price assumes less 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).

+8.4%

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 +6.6% a year for the price.

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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 · 329 stocks

Beats the industry median on 10/14 measures

Overall it ranks above its industry peers.

Valuation

Quality Score 61 · Above median

Fair Value upside +200.0% · Top 25%

Profitability

Return on equity (TTM) 9.7% · Above median

Return on assets 2.7% · Above median

Net margin (TTM) 15.2% · Below median

Operating margin (TTM) 17.2% · Below median

Growth and dividend

Revenue growth 2.3% · Below median

Dividend yield (TTM) 7.4% · Top 25%

Balance sheet

Debt / equity 1.45× · Above median

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (TTM) 3.5× · Cheapest 25%

P/B 0.39× · Cheapest 25%

P/S (TTM) 0.52× · Cheapest 25%

P/FCF 2.5× · Cheaper than median

EV/EBITDA 8.5× · Cheaper than median

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)100 · sector 53

FUTURE (revenue growth)12 · sector 48

PAST (return on equity)39 · sector 32

HEALTH (low debt)28 · sector 59

DIVIDEND (yield)100 · 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

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Shriram Finance Limited SHRIRAMFIN	₹994.10	₹1,364	+37%
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Universal Med Finl & · Fair Value
HK$28.22 +84%Fair Value
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Cite: Fair Value Calculator (2026). "Universal Med Finl & Fair Value". https://www.fairvalue-calculator.com/stock/2666

Frequently asked questions

Is Universal Med Finl & (2666) overvalued or undervalued?

As of Sep 29, 2026, our model estimates a fair value of HK$28.22 versus a price of HK$4.41, about +541% upside (undervalued).

What is the fair value of 2666?

Our model-based fair value for Universal Med Finl & is HK$28.22 (as of Sep 29, 2026), built from audited fundamentals. The current price: HK$4.41.

What is the quality score of 2666?

Universal Med Finl & has a Quality Score of 61/100. 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 Universal Med Finl & (2666)?

Our model-based price target is the fair value of HK$28.22 (as of Sep 29, 2026) from 26 valuation models. Cautious scenario HK$9.77, optimistic scenario HK$47.40. It is a calculation from audited fundamentals, not an analyst target.

What is the Universal Med Finl & stock forecast for 2026?

Our models put fair value at HK$28.22, about +541% upside versus a price of HK$4.41 (undervalued). Cautious scenario HK$9.77, optimistic scenario HK$47.40. The calculation is refreshed regularly with new filings.

What is the revenue of Universal Med Finl & (2666)?

Universal Med Finl & reported trailing-twelve-month revenue of about 14.5B CNY (latest available figure, as of Sep 29, 2026).

Does Universal Med Finl & pay a dividend?

Universal Med Finl & currently shows a dividend yield of about 7.36% relative to its recent price (as of Sep 29, 2026).

What growth is priced into Universal Med Finl & (2666)?

For today's price to be fair in a discounted-cash-flow model, Universal Med Finl & would have to grow free cash flow by +8.4 % per year for five years (discount rate 10.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +12.0 % per year. As of Sep 29, 2026.

What discount rate (WACC) does the fair value of 2666 use?

Our models discount Universal Med Finl & at 10.5 %: a base by market capitalisation (small), damped by beta 0.55, 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 Universal Med Finl & that is +8.4 % per year a year over ten years, using the same discount rate (10.5 %) and the same formula as our fair value.

How much growth has Universal Med Finl & (2666) delivered so far?

Over the past 5 years revenue at Universal Med Finl & grew +12.0 % a year. The price currently implies +8.4 % 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 Universal Med Finl & (2666) growing?

The median revenue growth in the sector is +5.1 % a year. That is the yardstick for the growth priced into Universal Med Finl & (+8.4 % 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 Universal Med Finl & (2666)?

The free-cash-flow yield on the price is 40.68 %: that much free cash flow Universal Med Finl & produces per unit of market value. When it exceeds the discount rate of our models (10.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.

What is the intrinsic value of Universal Med Finl & (2666)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Universal Med Finl & it is HK$28.22 per share (as of Sep 29, 2026), against a price of HK$4.41. It is the blended result of 26 valuation models (cash flow, earnings, asset, dividend).

Is Universal Med Finl & stock overvalued or undervalued in 2026?

As of Sep 29, 2026, 2666 trades below its calculated fair value: price HK$4.41, fair value HK$28.22, a gap of about +541% (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 2666?

No. The price is what the market pays today (HK$4.41); the fair value is what the company's own numbers justify (HK$28.22). For Universal Med Finl & the two are HK$23.82 per share apart. That gap is exactly why we show both numbers side by side.

How much is Universal Med Finl & worth?

The market values Universal Med Finl & at about HK$8.9B (market capitalisation, as of Sep 29, 2026). Per share that is HK$4.41; our models calculate a fair value of HK$28.22 per share.

What do the bullish and bearish scenarios say about 2666?

Our models span a range for Universal Med Finl &: cautious scenario HK$9.77, base HK$28.22, optimistic HK$47.40 per share (as of Sep 29, 2026, price HK$4.41). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of 2666?

Universal Med Finl & trades at a price-to-earnings ratio of 3.5 (as of Sep 29, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of HK$28.22 is built from several models across several years. Other multiples: P/B 0.4, P/S 0.5, EV/EBITDA 8.5.

How solid is the balance sheet of Universal Med Finl & (2666)?

Balance-sheet figures for Universal Med Finl & (as of Sep 29, 2026): return on equity 9.7%, debt of 1.45 per unit of equity. They feed the Quality Score of 61/100, which measures business quality independently of the share price.

How far is 2666 from its 52-week high?

Universal Med Finl & trades at HK$4.41, about 28% below its 52-week high of HK$6.16 and at the low of HK$4.39 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of HK$28.22 is for.

Which stocks are comparable to Universal Med Finl &?

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 Universal Med Finl & stock attractive at the current price?

The data as of Sep 29, 2026: price HK$4.41, calculated fair value HK$28.22 (+541%), Quality Score 61/100, from 26 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 2666 calculated?

We run Universal Med Finl & through 26 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$28.22, 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 14.5 % above its aggregate fair value. Universal Med Finl & currently trades 84 % 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 Universal Med Finl & (2666)?

The closing price on Oct 2, 2026 was HK$4.41. Our model-based fair value is HK$28.22, about +541% upside (undervalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with Universal Med Finl & right now?

The price is below even our cautious bear case (HK$9.77). The market is more pessimistic than our downside scenario. The model range is unusually wide (HK$9.77 to HK$47.40). 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. Solid quality (61/100) at a price below fair value, the discount is the argument here, not the business quality.

Where does the earnings growth of Universal Med Finl & (2666) come from?

Earnings per share at Universal Med Finl & grew +9.0 % a year from 2014 to 2025. Broken into its drivers: revenue per share +17.7 %, EBIT margin +1.1 %, tax rate +0.4 %, residual (interest, one-offs) −8.8 %. 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 Universal Med Finl &

How large is the market capitalisation of Universal Med Finl & (2666)?

The market capitalisation of Universal Med Finl & is HK$8.9B (≈ $1.1B). 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 Universal Med Finl & (2666)?

The price-to-sales ratio of Universal Med Finl & is 0.52 (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 Universal Med Finl & (2666)?

Earnings per share at Universal Med Finl & are HK$1.28 (price ÷ EPS = P/E 3.5). Earnings per share over the last twelve months: total profit spread across every single share.

What is the dividend yield of Universal Med Finl & (2666)?

The dividend yield of Universal Med Finl & is 7.4% (payout 25.4%). 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 Universal Med Finl & (2666)?

The net margin of Universal Med Finl & is 15.2% (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 Universal Med Finl & (2666)?

The return on equity (ROE) of Universal Med Finl & is 9.7% (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 Universal Med Finl & (2666)?

On an EBIT basis the return on assets of Universal Med Finl & is 9.6% (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 Universal Med Finl & (2666)?

The operating margin of Universal Med Finl & is 17.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at Universal Med Finl & (2666)?

Revenue at Universal Med Finl & is growing +2.3% versus a year earlier (3y avg +7.9%). 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 Universal Med Finl & (2666)?

Earnings per share at Universal Med Finl & are growing +2.3% versus a year earlier. How much earnings per share grew versus a year earlier.

How much net debt does Universal Med Finl & (2666) carry?

The net debt of Universal Med Finl & is 47.4B CNY (fiscal year 2025, ≈ 15.4 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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