Yixin Group Ltd (2858) Fair Value & Analysis
Financial Services · HK · Market cap HK$8.6B
Fair value as of: Aug 13, 2026
From 9 valuation models · updated 3 days ago
Fair value updated Aug 13, 2026, revised from HK$2.50 to HK$2.51 (+0.4%) since Aug 5, 2026. Share price −11.5% over the past month.
Below-average quality, screening 98% undervalued on our models.
What matters 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$2.00). The market is more pessimistic than our downside scenario.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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$0.4179 – HK$3.02 · fair‑value band HK$2.00 – HK$3.33 · the HK$1.27 price screens below the HK$2.51 fair value. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Yixin Group Ltd (2858) currently trades at HK$1.27, while our model-based Fair Value estimate is HK$2.51, implying the stock looks roughly 98.4% undervalued today. The Quality Score stands at 40/100 (below-average 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, Yixin Group Ltd generated revenue of HK$9.1B at a net margin of 13.2%. Revenue declined 0.2% year over year. It earns a return on equity of 7.2%. Net debt stands at HK$23.5B. Fundamentals as of Aug 13, 2026
Our scenario range runs from HK$2.00 (bear case) to HK$3.33 (bull case); at HK$1.27, the current price sits below 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 59% below its 52-week high and 11% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -45% fair-value upside, at 98%, 2858 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 9 models by family
Widest divergence: Earnings-Based (HK$6.17) versus Asset-Based (HK$1.67). Highest evidence: Residual Income (76).
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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 39 · Market factors (momentum, volatility) 18
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
Yixin Group Limited, together with its subsidiaries, operates as an online automobile finance transaction platform in China. The company operates in two segments, Transaction Platform Business and Self-Operated Financing Business.
Full company description
Yixin Group Limited, together with its subsidiaries, operates as an online automobile finance transaction platform in China. The company operates in two segments, Transaction Platform Business and Self-Operated Financing Business. The Transaction Platform Business segment offers loan facilitation services, fintech/SaaS services, and other platform services, including guarantee services and value-added services. This segment also facilitates auto loans to consumers offered by its auto finance partners. The Self-Operated Financing Business provides consumers with auto finance solutions through financing leases. In addition, it is involved in technology development; information technology activities; commercial factoring; recycling and utilization of renewable resource; insurance activities; real estate property lease; vehicle retail; vehicle service; and advertising and subscription services. The company was formerly known as Yixin Capital Limited. Yixin Group Limited was founded in 2013 and is headquartered in Shanghai, China.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Yixin Group Ltd reported revenue of HK$9.1B in FY2025 versus HK$3.2B in FY2021, a compound +30.4%/yr. Reported net income was HK$1.2B in FY2025, compounding +153.7%/yr from FY2021.
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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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