Yusys Technologies Co (300674) Fair Value & Analysis

Technology · CN · Market cap 11.4B CNY

A solid business, but screening 28% overvalued on our models.

What matters now

• The price sits above even our optimistic bull case (¥13.63). The favourable scenario is already priced in.
• Solid but not exceptional quality (62/100) and above fair value, neither a clear bargain nor a standout compounder.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 9, 2026.

How to read this chart

60‑month range ¥9.49 – ¥30.26 · fair‑value band ¥8.49 – ¥13.63 · the ¥16.25 price screens above the ¥11.66 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 9, 2026.

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Analysis

Yusys Technologies Co (300674) currently trades at ¥16.25, while our model-based Fair Value estimate is ¥11.66, implying the stock looks roughly 28.3% overvalued today. The Quality Score stands at 62/100 (solid quality), in the Technology 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: high).

Over the trailing twelve months, Yusys Technologies Co generated revenue of 3.6B CNY at a net margin of 11.7%. Revenue declined 4.3% year over year. It earns a return on equity of 9.3%. The balance sheet holds a net cash position of 2.7B CNY. Fundamentals as of Jul 9, 2026

Our scenario range runs from ¥8.49 (bear case) to ¥13.63 (bull case); at ¥16.25, the current price sits above 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 48% below its 52-week high and 5% above its 52-week low, currently below its 200-day average. For context, the median of 10 Technology peers we cover trades at -25% fair-value upside, at -28%, 300674 screens richer 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.

Widest divergence: DCF Models (¥11.42) versus Asset-Based (¥4.34). Highest evidence: Growth DCF (80).

Key figures & financial health

Quality Score breakdown

About the company

Yusys Technologies Co., Ltd. provides financial technology solutions in China and internationally. The company offers credit processing; post-loan management and credit risk management; intelligent omnichannel banking; core banking; data intelligence, data mart, data operation, data middle platform, data assets; unified payment platform; operation …

Full company description

Yusys Technologies Co., Ltd. provides financial technology solutions in China and internationally. The company offers credit processing; post-loan management and credit risk management; intelligent omnichannel banking; core banking; data intelligence, data mart, data operation, data middle platform, data assets; unified payment platform; operation management and data application; regulatory compliance; and comprehensive risk management, capital management, and asset and liability management. It also provides consumer finance services; treasury management, including internal liquidity, investment and financing, risk management, and industry upstream and downstream; auto finance; securities and trust; finance leasing; integrated management solution; and universal solutions, such as technology platform, technical tools, intelligent operation and maintenance tools, automated test, and enterprise resource management. In addition, the company offers operational services comprising computing resources, cloud compliance, internet resources, storage, database service, cloud security, and cloud operation management; and online loan smart bank branch, risk control, and scenario-based financial operations. Further, it provides IT services, including IT planning, business and management, and commercial software implementation consulting services; user experience and design; application development; testing; operation and maintenance; and IT systems value added system services which includes financial data center consulting planning, construction implementation, and security maintenance. The company was founded in 1999 is headquartered in Beijing, China.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Yusys Technologies Co reported revenue of ¥3.6B in FY2025 versus ¥3.7B in FY2021, a compound −0.7%/yr. Reported net income was ¥432M in FY2025, compounding +2.2%/yr from FY2021.

300674 screens 28% overvalued. Compare with International Business Machines Corporation →

Peer Group

Information Technology Services · 480 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 Information Technology 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.

VALUE 0: the price sits above our fair-value range.

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.

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Frequently asked questions

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.