China Rongzhong Finl Hldg Co (3963) fair value: what the stock is really worth
As of Sep 30, 2026: fair value of China Rongzhong Finl Hldg Co HK$0.09, price HK$0.11, upside -13.4%, quality 27 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range HK$0.0610 – HK$1.02 · fair‑value band HK$0.0510 – HK$0.1275 · the HK$0.1080 price screens above the HK$0.0935 fair value. Dashed = 300-day average. As of Sep 27, 2026.
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China Rongzhong Financial Holdings Company Limited, an investment holding company, provides financial leasing services in China, Hong Kong, and Singapore. The company focuses on financing the needs of SMEs in Hubei province. It also provides financial leasing services in the categories of sales and leaseback and direct financial leasing.
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China Rongzhong Financial Holdings Company Limited, an investment holding company, provides financial leasing services in China, Hong Kong, and Singapore. The company focuses on financing the needs of SMEs in Hubei province. It also provides financial leasing services in the categories of sales and leaseback and direct financial leasing. In addition, the company offers value- added services, such as due diligence, credit investigation, and debt collection services. Further, it provides money lending, credit management, and operating lease services for motor vehicles. It serves laser processing, plastics, industrial processing, textile and garments, hotel and leisure, and other industries. The company was founded in 2008 and is based in Hong Kong, Hong Kong. China Rongzhong Financial Holdings Company Limited is a subsidiary of Goldbond Group Holdings Limited.
Stock analysis
China Rongzhong Finl Hldg Co (3963) currently trades at HK$0.1080, while our model-based Fair Value estimate is HK$0.0935, 13.4% below the price, so the stock looks overvalued today.
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Valuation
How firm this estimate is: it rests on 2 models at a data quality of 88/100, which puts the evidence level at low.
Scenario range: HK$0.0510 (bear) to HK$0.1275 (bull), the price of HK$0.1080 sits inside 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 27/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
China Rongzhong Finl Hldg Co reported revenue of HK$85.2M in FY2026 versus HK$35.1M in FY2022, a compound +24.8%/yr. Reported net income was −HK$10.0M in FY2026.
Key figures
Market cap HK$88.6M (≈ $11.3M) · P/S ratio 1.09 · EPS (TTM) HK$−0.0200 · Net margin −11.8% · Return on equity −39.2% · Return on assets (EBIT) −25.1% · Operating margin −13.7% · Revenue (TTM) HK$81.2M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).
What moves the price
The share trades about 57% below its 52-week high and 3% above 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 −13%, 3963 screens richer than that median.
Fair Value models
Bear HK$0.0510Fair Value HK$0.0935Bull HK$0.1275
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.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.
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.0/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
+22.7%
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.
+0.1%
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.
−1.6%
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Profit margin (trend) ⓘ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.
−26.5% (2022) → −3.9% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2026 is a loss year, no rate is defined from a loss
Compare China Rongzhong Finl Hldg Co with another stock
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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 · 333 stocks
Beats the industry median on 2/10 measures
Overall it trails its industry peers.
Valuation
Quality Score35 · Bottom 25%
Fair Value upside−13.4% · Below median
Profitability
Return on assets−7.4% · Bottom 25%
Net margin (TTM)−12.4% · Bottom 25%
Operating margin (TTM)−13.7% · Bottom 25%
Growth and dividend
Revenue growth−8.7% · Bottom 25%
Balance sheet
Debt / equity1.05× · 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). "China Rongzhong Finl Hldg Co Fair Value". https://www.fairvalue-calculator.com/stock/3963
Frequently asked questions
Is China Rongzhong Finl Hldg Co (3963) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of HK$0.0935 versus a price of HK$0.1080, about −13% upside (overvalued).
What is the fair value of 3963?
Our model-based fair value for China Rongzhong Finl Hldg Co is HK$0.0935 (as of Sep 27, 2026), built from audited fundamentals. The current price: HK$0.1080.
What is the quality score of 3963?
China Rongzhong Finl Hldg Co has a Quality Score of 27/100. 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 China Rongzhong Finl Hldg Co (3963)?
Our model-based price target is the fair value of HK$0.0935 (as of Sep 27, 2026) from 2 valuation models. Cautious scenario HK$0.0510, optimistic scenario HK$0.1275. It is a calculation from audited fundamentals, not an analyst target.
What is the China Rongzhong Finl Hldg Co stock forecast for 2026?
Our models put fair value at HK$0.0935, about −13% upside versus a price of HK$0.1080 (overvalued). Cautious scenario HK$0.0510, optimistic scenario HK$0.1275. The calculation is refreshed regularly with new filings.
What is the revenue of China Rongzhong Finl Hldg Co (3963)?
China Rongzhong Finl Hldg Co reported trailing-twelve-month revenue of about HK$81.2M (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of China Rongzhong Finl Hldg Co (3963)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For China Rongzhong Finl Hldg Co it is HK$0.0935 per share (as of Sep 27, 2026), against a price of HK$0.1080. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is China Rongzhong Finl Hldg Co stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 3963 trades above its calculated fair value: price HK$0.1080, fair value HK$0.0935, a gap of about −13% (overvalued). 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 3963?
No. The price is what the market pays today (HK$0.1080); the fair value is what the company's own numbers justify (HK$0.0935). For China Rongzhong Finl Hldg Co the two are HK$0.0145 per share apart. That gap is exactly why we show both numbers side by side.
How much is China Rongzhong Finl Hldg Co worth?
The market values China Rongzhong Finl Hldg Co at about HK$88.6M (market capitalisation, as of Sep 27, 2026). Per share that is HK$0.1080; our models calculate a fair value of HK$0.0935 per share.
What do the bullish and bearish scenarios say about 3963?
Our models span a range for China Rongzhong Finl Hldg Co: cautious scenario HK$0.0510, base HK$0.0935, optimistic HK$0.1275 per share (as of Sep 27, 2026, price HK$0.1080). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of China Rongzhong Finl Hldg Co (3963)?
Balance-sheet figures for China Rongzhong Finl Hldg Co (as of Sep 27, 2026): return on equity −39.2%, debt of 1.05 per unit of equity. They feed the Quality Score of 27/100, which measures business quality independently of the share price.
How far is 3963 from its 52-week high?
China Rongzhong Finl Hldg Co trades at HK$0.1080, about 57% below its 52-week high of HK$0.2490 and 3% above the low of HK$0.1050 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of HK$0.0935 is for.
Which stocks are comparable to China Rongzhong Finl Hldg Co?
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 China Rongzhong Finl Hldg Co stock attractive at the current price?
The data as of Sep 27, 2026: price HK$0.1080, calculated fair value HK$0.0935 (−13%), Quality Score 27/100, from 2 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 3963 calculated?
We run China Rongzhong Finl Hldg Co through 2 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$0.0935, 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 14.7 % above its aggregate fair value. China Rongzhong Finl Hldg Co itself currently trades above fair value. 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 China Rongzhong Finl Hldg Co (3963)?
The closing price on Sep 30, 2026 was HK$0.1080. Our model-based fair value is HK$0.0935, about −13% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with China Rongzhong Finl Hldg Co right now?
A fairly wide model range (HK$0.0510 to HK$0.1275) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 China Rongzhong Finl Hldg Co
How large is the market capitalisation of China Rongzhong Finl Hldg Co (3963)?
The market capitalisation of China Rongzhong Finl Hldg Co is HK$88.6M (≈ $11.3M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of China Rongzhong Finl Hldg Co (3963)?
The price-to-sales ratio of China Rongzhong Finl Hldg Co is 1.09 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of China Rongzhong Finl Hldg Co (3963)?
Earnings per share at China Rongzhong Finl Hldg Co are HK$−0.0200. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of China Rongzhong Finl Hldg Co (3963)?
The net margin of China Rongzhong Finl Hldg Co is −11.8% (fiscal year 2026). 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 China Rongzhong Finl Hldg Co (3963)?
The return on equity (ROE) of China Rongzhong Finl Hldg Co is −39.2% (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 China Rongzhong Finl Hldg Co (3963)?
On an EBIT basis the return on assets of China Rongzhong Finl Hldg Co is −25.1% (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 China Rongzhong Finl Hldg Co (3963)?
The operating margin of China Rongzhong Finl Hldg Co is −13.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at China Rongzhong Finl Hldg Co (3963)?
Revenue at China Rongzhong Finl Hldg Co is growing −8.7% versus a year earlier (3y avg +0.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does China Rongzhong Finl Hldg Co (3963) generate?
The free cash flow of China Rongzhong Finl Hldg Co is −HK$12.7M (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 China Rongzhong Finl Hldg Co (3963) carry?
The net debt of China Rongzhong Finl Hldg Co is HK$46.5M (fiscal year 2026). 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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