2858 (2858) Fair Value & Analysis

Financial Services · Market cap HK$8.6B

2 2858 2858 · HK

PriceHK$1.24

Fair ValueHK$2.48

Upside+100.0%

Quality36/100

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Evidence: High Range HK$1.92 – HK$3.21

Fair value as of: Jul 2, 2026

From 17 valuation models · updated today

Share price −21.0% over the past month.

Price vs Fair Value (12 months)

12‑month range HK$1.18 – HK$3.02 · fair‑value band HK$1.92 – HK$3.21 · the HK$1.24 price screens below the HK$2.48 fair value. As of Jul 2, 2026.

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Analysis

2858 (2858) currently trades at HK$1.24, while our model-based Fair Value estimate is HK$2.48 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 36/100 (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, 2858 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 Jul 2, 2026

Key figures & financial health

Revenue (TTM) HK$9.1B

Revenue growth (YoY) -0.2%

Net margin 13.2%

Return on equity 7.2%

Free cash flow −HK$1.8B FY2025

P/E ratio 6.3

More key figures

Operating margin 5.5%

EPS (TTM) HK$0.0800

Dividend yield 7.2%

EPS growth (YoY) +59.2%

Net debt HK$23.5B FY2025

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

2858 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.

Revenue +30.4%/yr

FY21 HK$3.2B

FY22 HK$4.3B

FY23 HK$5.9B

FY24 HK$9.9B

FY25 HK$9.1B

Net income +153.7%/yr

FY21 HK$29.0M

FY22 HK$371M

FY23 HK$555M

FY24 HK$810M

FY25 HK$1.2B

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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	$177.63	$125.08	-30%
Bajaj Finance Limited BAJFINANCE	₹968.30	₹720.78	-26%

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Frequently asked questions

Is 2858 (2858) undervalued?

As of Jul 2, 2026, our model estimates a fair value of HK$2.48 versus a price of HK$1.24 — about +100% (undervalued). Model-based estimate, not financial advice.

What is the fair value of 2858?

Our model-based fair value for 2858 is HK$2.48 (as of Jul 2, 2026), built from audited fundamentals. The current price is HK$1.24.

What is the quality score of 2858?

2858 has a Quality Score of 36/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

What is the revenue of 2858 (2858)?

2858 reported trailing-twelve-month revenue of about HK$9.1B (latest available figure, as of Jul 2, 2026).

What is the net profit margin of 2858?

The net profit margin of 2858 is about 13.2%, meaning it keeps roughly 13.2% of revenue as net income. Based on the latest reported figures.

Does 2858 pay a dividend?

2858 currently shows a dividend yield of about 7.20% 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.