Yixin Group Ltd (2858) fair value: what the stock is really worth
As of Nov 13, 2026: fair value (intrinsic value) of Yixin Group Ltd stock HK$1.58, price HK$0.72, upside +119.4%, quality 46 out of 100. Rating: strongly undervalued. Calculated from audited financials with 9 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 11, 2026.
How to read this chart
60‑month range HK$0.4179 – HK$3.02 · fair‑value band HK$1.33 – HK$2.17 · the HK$0.7200 price screens below the HK$1.58 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 11, 2026.
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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.
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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.
Stock analysis
Yixin Group Ltd (2858) currently trades at HK$0.7200, while our model-based Fair Value estimate is HK$1.58, implying the stock looks roughly 54% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of HK$8.74 per share, and 9 of the 9 models we run sit above the HK$0.7200 price.
Bear case: the DCF Models group reads lowest at HK$1.07, and 0 of the 9 models stay below the price. Data coverage for this calculation is low.
Scenario range: HK$1.33 (bear) to HK$2.17 (bull), the price of HK$0.7200 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 46/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Yixin Group Ltd reported revenue of 9.1B CNY in FY2025 versus 3.2B CNY in FY2021, a compound +30.4%/yr. Reported net income was 1.2B CNY in FY2025, compounding +153.7%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap HK$5.0B (≈ $634M) Small · P/E ratio 3.7 · P/S ratio 0.49 · Dividend yield 14.7% · Net margin 13.2% · Return on equity 8.2% · Return on assets (EBIT) 1.7% (5-year average) · Operating margin 36.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 53 out of 100 (medium confidence).
What moves the price
The share trades about 75% 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 −6% fair-value upside, at 119%, 2858 screens cheaper than that median.
Fair Value models
BearHK$1.33Fair Value HK$1.58BullHK$2.17
Price HK$0.7200 · Upside +119.4%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.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.Coverage ⓘCoverage = 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.
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.57/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−8.0%
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.
+28.1%
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.
+43.6%
Start year 2020 (pandemic). Over 10 years: +42.1% a year
Revenue growth 11 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.
+61.1%
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What shareholders gained per year (last 3 years) (mathematically smoothed) ⓘ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 3 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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+60.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+46.0%
Dividend (yield on the price)14.7%
Profit margin 2020 to 2025 ⓘ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.−100% → 19%
2025 sits 110% above its own trend. The rate follows the median trend of the last 3 years, not that single year.
Price, fair value, quality and upside side by side.
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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 · 326 stocks
Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score46 · Below median
Fair Value upside+119.4% · Top 25%
Profitability
Return on equity (12 months)8.2% · Below median
Return on assets2.2% · Below median
Net margin (12 months)14.1% · Below median
Operating margin (12 months)36.3% · Above median
Growth and dividend
Revenue growth (quarter YoY)9.3% · Below median
Dividend yield (12 months)14.7% · Top 25%
Balance sheet
Debt / equity0.85× · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Yixin Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/2858
Frequently asked questions
Is Yixin Group Ltd (2858) overvalued or undervalued?
As of Nov 11, 2026, our model estimates a fair value of HK$1.58 versus a price of HK$0.7200, about +119% upside (undervalued).
What is the fair value of 2858?
Our model-based fair value for Yixin Group Ltd is HK$1.58 (as of Nov 11, 2026), built from audited fundamentals. The current price: HK$0.7200.
What is the quality score of 2858?
Yixin Group Ltd has a Quality Score of 46/100. 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 Yixin Group Ltd (2858)?
Our model-based price target is the fair value of HK$1.58 (as of Nov 11, 2026) from 9 valuation models. Cautious scenario HK$1.33, optimistic scenario HK$2.17. It is a calculation from audited fundamentals, not an analyst target.
What is the Yixin Group Ltd stock forecast for 2026?
Our models put fair value at HK$1.58, about +119% upside versus a price of HK$0.7200 (undervalued). Cautious scenario HK$1.33, optimistic scenario HK$2.17. The calculation is refreshed regularly with new filings.
What is the revenue of Yixin Group Ltd (2858)?
Yixin Group Ltd reported trailing-twelve-month revenue of about 9.6B CNY (latest available figure, as of Nov 11, 2026).
Does Yixin Group Ltd pay a dividend?
Yixin Group Ltd currently shows a dividend yield of 14.72% relative to its recent price (as of Nov 11, 2026).
How much is the dividend of Yixin Group Ltd (2858) and when is the ex-dividend date?
Yixin Group Ltd pays a dividend of HK$0.106 per share a year, a dividend yield of 14.7%. The last ex-dividend date was May 18, 2026. The payout ratio is 51.0% of earnings. Our assessment: Watch coverage. The dividend isn’t fully covered by free cash flow or earnings, part of it is funded from reserves or debt. Fine for now, but worth watching: if it stays uncovered, the dividend could be cut.
What is the intrinsic value of Yixin Group Ltd (2858)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Yixin Group Ltd it is HK$1.58 per share (as of Nov 11, 2026), against a price of HK$0.7200. It is the blended result of 9 valuation models in 6 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Yixin Group Ltd stock overvalued or undervalued in 2026?
As of Nov 11, 2026, 2858 trades below its calculated fair value: price HK$0.7200, fair value HK$1.58, a gap of about +119% (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 2858?
No. The price is what the market pays today (HK$0.7200); the fair value is what the company's own numbers justify (HK$1.58). For Yixin Group Ltd the two are HK$0.8600 per share apart. That gap is exactly why we show both numbers side by side.
How much is Yixin Group Ltd worth?
The market values Yixin Group Ltd at about HK$5.0B (market capitalisation, as of Nov 11, 2026). Per share that is HK$0.7200; our models calculate a fair value of HK$1.58 per share.
What do the bullish and bearish scenarios say about 2858?
Our models span a range for Yixin Group Ltd: cautious scenario HK$1.33, base HK$1.58, optimistic HK$2.17 per share (as of Nov 11, 2026, price HK$0.7200). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 2858?
Yixin Group Ltd trades at a price-to-earnings ratio of 3.7 (as of Nov 11, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of HK$1.58 is built from several models across several years. Median P/E at fiscal year-end, 6 fiscal years (2019 to 2025), reported earnings: 14.4. Other multiples: P/B 0.3, P/S 0.4, EV/EBITDA 12.3.
How solid is the balance sheet of Yixin Group Ltd (2858)?
Balance-sheet figures for Yixin Group Ltd (as of Nov 11, 2026): return on equity 8.2%, debt of 0.85 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is 2858 from its 52-week high?
Yixin Group Ltd trades at HK$0.7200, about 75% below its 52-week high of HK$2.85 and at the low of HK$0.7200 (as of Nov 13, 2026). Distance from the high says nothing about value: that is what the fair value of HK$1.58 is for.
Which stocks are comparable to Yixin Group Ltd?
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 Yixin Group Ltd stock attractive at the current price?
The data as of Nov 11, 2026: price HK$0.7200, calculated fair value HK$1.58 (+119%), Quality Score 46/100, from 9 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 2858 calculated?
We run Yixin Group Ltd through 9 models from 6 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of HK$1.58 builds on their evidence-weighted average, 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 14.1% above its aggregate fair value. Yixin Group Ltd currently trades 54% 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 Yixin Group Ltd (2858)?
The closing price on Nov 13, 2026 was HK$0.7200. Our model-based fair value is HK$1.58, about +119% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Yixin Group Ltd right now?
The large discount to fair value meets weak quality (46/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (HK$1.33). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Yixin Group Ltd
How large is the market capitalisation of Yixin Group Ltd (2858)?
The market capitalisation of Yixin Group Ltd is HK$5.0B (≈ $634M). 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 Yixin Group Ltd (2858)?
The price-to-sales ratio of Yixin Group Ltd is 0.49 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the dividend yield of Yixin Group Ltd (2858)?
The dividend yield of Yixin Group Ltd is 14.7%. 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 Yixin Group Ltd (2858)?
The net margin of Yixin Group Ltd is 13.2% (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 Yixin Group Ltd (2858)?
The return on equity (ROE) of Yixin Group Ltd is 8.2% (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 Yixin Group Ltd (2858)?
On an EBIT basis the return on assets of Yixin Group Ltd is 1.7% (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 Yixin Group Ltd (2858)?
The operating margin of Yixin Group Ltd is 36.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Yixin Group Ltd (2858)?
Revenue at Yixin Group Ltd is growing 9.3% versus a year earlier (3y avg +28.1%). 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 Yixin Group Ltd (2858)?
Earnings per share at Yixin Group Ltd are growing 27.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Yixin Group Ltd (2858) generate?
The free cash flow of Yixin Group Ltd is −1.8B CNY (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Yixin Group Ltd (2858) carry?
The net debt of Yixin Group Ltd is 23.5B CNY (fiscal year 2025). 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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Thin data
Nov 11, 2026