Sunny Loan Top Co (600830) Fair Value & Analysis
Industrials · CN · Market cap 3.6B CNY
Fair value as of: Aug 8, 2026
From 16 valuation models · updated 2 days ago
Share price −1.2% over the past month.
A solid business, but screening 80% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (¥3.23). The favourable scenario is already priced in.
- Solid but not exceptional quality (51/100) and above fair value, neither a clear bargain nor a standout compounder.
- A fairly wide model range (¥1.62 to ¥3.23) leaves room in how you read the outcome.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 8, 2026.
How to read this chart
60‑month range ¥4.48 – ¥12.91 · fair‑value band ¥1.62 – ¥3.23 · the ¥7.96 price screens above the ¥1.62 fair value. Dashed = 300-day average. As of Aug 8, 2026.
Analysis
Sunny Loan Top Co (600830) currently trades at ¥7.96, while our model-based Fair Value estimate is ¥1.62, implying the stock looks roughly 79.7% overvalued today. The Quality Score stands at 51/100 (solid quality), in the Industrials 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: medium).
Over the trailing twelve months, Sunny Loan Top Co generated revenue of 472M CNY at a net margin of 17.4%. Revenue grew 0.7% year over year. It earns a return on equity of 4.1%. Net debt stands at 2.2B CNY. Fundamentals as of Aug 8, 2026
Our scenario range runs from ¥1.62 (bear case) to ¥3.23 (bull case); at ¥7.96, 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 34% below its 52-week high and 3% above its 52-week low, currently below its 200-day average. For context, the median of 10 Industrials peers we cover trades at -35% fair-value upside, at -80%, 600830 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.
All 16 models by family
Widest divergence: Multiples (¥3.56) versus Earnings-Based (¥1.28). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 8, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 45 · Market factors (momentum, volatility) 29
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
Sunny Loan Top Co.,Ltd. engages in the pawn, guarantee, financial leasing, and wealth management businesses in China. The company offers real estate, motor vehicle, civilian goods, and stock pawns, as well as joint guarantee, guarantee, inventory pledge, and real estate loans; and other pawn and loan products.
Full company description
Sunny Loan Top Co.,Ltd. engages in the pawn, guarantee, financial leasing, and wealth management businesses in China. The company offers real estate, motor vehicle, civilian goods, and stock pawns, as well as joint guarantee, guarantee, inventory pledge, and real estate loans; and other pawn and loan products. It also engages in bidding treasure, engineering treasure, cluster treasure, and other financing guarantee business; and carries out financial leasing, operating leasing, entrusted leasing, joint financial leasing, leasing asset management, financial leasing consulting, and other businesses. In addition, the company leases ships, medical equipment, public utilities, and other properties. Further, it provides real estate project loans, mortgage loans, equity pledge loans of listed companies, private placement, financial leasing, and other capital supporting services for financing demanders; and various investment projects with high yields and in line with risk appetite for bank funds, idle funds of enterprises, and other social funds. Sunny Loan Top Co.,Ltd. was founded in 1992 and is based in Ningbo, China.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Sunny Loan Top Co reported revenue of ¥471M in FY2025 versus ¥261M in FY2021, a compound +15.9%/yr. Reported net income was ¥80.3M in FY2025, compounding +48.3%/yr from FY2021.
600830 screens 80% overvalued. Compare with Cintas Corporation →
Peer Group
Specialty Business Services · 255 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 Specialty Business 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.
Similar stocks
10 more Specialty Business Services stocks, each showing price versus our Fair Value estimate (as of Aug 8, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Cintas Corporation CTAS | $206.25 | $95.30 | -54% |
| RELX PLC RELX | $33.70 | $32.49 | -4% |
| Thomson Reuters Corporation TRI | C$133.87 | C$70.40 | -47% |
| Copart, Inc CPRT | $27.61 | $28.59 | +4% |
| Global Payments Inc GPN | $80.49 | $69.67 | -13% |
| RB Global, Inc RBA | C$156.43 | C$49.14 | -69% |
| Brambles Limited BXB | A$18.79 | A$12.28 | -35% |
| UL Solutions Inc ULS | $87.76 | $33.62 | -62% |
| Wolters Kluwer N.V WKL | €62.56 | €103.99 | +66% |
| Aramark ARMK | $56.74 | $13.73 | -76% |
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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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