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Zuoli Kechuang Micro-Fin Co (6886) fair value: what the stock is really worth

As of Sep 24, 2026: fair value of Zuoli Kechuang Micro-Fin Co HK$21.47, price HK$16.72, upside +28.4%, quality 43 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
  3. Add to watchlist

Financial Services · HK · Home China · ISIN CNE100001YQ9

ZK Some data Sep 24, 2026

Zuoli Kechuang Micro-Fin Co

6886 · HK

SpeculativeUpside exists, but weak quality makes the signal speculative.

✓Fair value HK$21.47 · Undervalued (+28%)
!Quality 43/100
!Expensive Growth (revenue 5y +11.7 %/yr)
✓Highly profitable · 44.4% net margin (TTM)
!Low debt · negative free cash flow
·3.99% dividend yield
✓Ranks above peers (9/12)
!Moderate moat 61/100
!Evidence only medium, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

HK$21.44 HK$6.53 Fair Value HK$21.47 May 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range HK$6.53 – HK$21.44 · fair‑value band HK$16.10 – HK$26.84 · the HK$16.72 price screens below the HK$21.47 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

Huatai Securities Co., Ltd., together with its subsidiaries, provides securities and financial services for individual, enterprise, and institutional clients in Mainland China and internationally. It operates through Wealth Management, Institutional Services, Investment Management, International Business, and Other segments.

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Huatai Securities Co., Ltd., together with its subsidiaries, provides securities and financial services for individual, enterprise, and institutional clients in Mainland China and internationally. It operates through Wealth Management, Institutional Services, Investment Management, International Business, and Other segments. The company offers wealth management services, including securities, futures, and options brokerage, financial products sales, fund investment advisory, and capital-based intermediary services; asset allocation; and margin financing, securities lending, securities-backed lending, and stock pledged repurchase services, as well as trades in stocks, funds, and bonds on behalf of clients. It also provides investment banking services comprising domestic and overseas equity financing, bond financing, and financial advisory; prime brokerage services, such as asset custody and fund services; research and institutional sales; equity securities and fixed income investments and transactions; and over-the-counter financial products and transactions services. In addition, the company provides asset management services, private equity investment, alternative investments, and commodities trading and arbitrage services; overseas business; fintech and digital services; and platforms for investment management and banking, FICC trading, cross-border and structured finance, equity derivatives, equity research and sales, and online securities lending. Huatai Securities Co., Ltd. was founded in 1990 and is based in Nanjing, the People's Republic of China.

Stock analysis

Zuoli Kechuang Micro-Fin Co (6886) currently trades at HK$16.72, while our model-based Fair Value estimate is HK$21.47, implying the stock looks roughly 22.1% undervalued today.

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Valuation

How firm this estimate is: it rests on 17 models at a data quality of 95/100, which puts the evidence level at medium.

Scenario range: HK$16.10 (bear) to HK$26.84 (bull), the price of HK$16.72 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 43/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Zuoli Kechuang Micro-Fin Co reported revenue of 42.0B CNY in FY2025 versus 46.3B CNY in FY2021, a compound −2.4%/yr. Reported net income was 16.4B CNY in FY2025, compounding +5.3%/yr from FY2021.

Key figures

Market cap HK$158B (≈ $20.2B) · P/E ratio 7.9 · P/S ratio 3.07 · EPS (TTM) HK$1.35 · Dividend yield 4.0% · Net margin 39.0% · Return on equity 8.6% · Return on assets (EBIT) 1.7%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (medium confidence).

What moves the price

The share trades about 22% below its 52-week high and 13% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −17% fair-value upside, at 28%, 6886 screens cheaper than that median.

Fair Value models

Bear HK$16.10 Fair Value HK$21.47 Bull HK$26.84
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. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (HK$0.5008 per share) are deliberately not added. 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. 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.
Highest evidence
P/B Multiple HK$13.93 HK$18.57 HK$23.22 55
NCAV (Graham) HK$10.93 HK$14.64 HK$21.85 54
All 2 models by family
Multiples
P/B Multiple HK$13.93 HK$18.57 HK$23.22 55
Asset-Based
NCAV (Graham) HK$10.93 HK$14.64 HK$21.85 54

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Quality Score breakdown

Overall quality 43/100

Of which business quality 49 · Market factors (momentum, volatility) 47

Profitability 34
Margins and returns on capital today
Quality Growth 45
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 100
Balance sheet, leverage, solvency risk
Investment 71
Disciplined investing over empire-building
Low Volatility 76
Calm price path (market factor)
Momentum 41
Price trend over the last 3–12 months (market factor)
52W Momentum 24
Distance to the 52-week high (market factor)
Net Issuance 57
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 58/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
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.
+2.6%
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.
+11.7%
Revenue growth 18 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.
+17.8%
What shareholders gained per year (last 5 years) ⓘ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 5 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.
+11.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+7.7%
Dividend (yield on the price)4.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.8% vs 7%, steady
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.38% → 44%
Start year 2020 (pandemic)

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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.Capital Markets · 460 stocks

Beats the industry median on 9/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 53 · Below median
Fair Value upside +28% · Above median
Profitability
Return on equity (TTM) 9% · Above median
Return on assets 2% · Above median
Net margin (TTM) 44% · Top 25%
Operating margin (TTM) 58% · Top 25%
Growth and dividend
Revenue growth 45% · Above median
Dividend yield (TTM) 4.0% · Above median
Balance sheet
Debt / equity 0.48× · Above median

Valuation Multiplesvs Capital Markets median · lower = cheaper

P/E (TTM) 7.9× · Cheapest 25%
P/B 0.65× · Cheaper than median
P/S (TTM) 3.43× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)71 · sector 27
FUTURE (revenue growth)100 · sector 85
PAST (return on equity)34 · sector 30
HEALTH (low debt)76 · sector 95
DIVIDEND (yield)80 · sector 41

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Capital Markets stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Morgan Stanley, a financial holding company, MS $196.32 $314.07 +60%
The Goldman Sachs Group GS $923.29 $766.86 −17%
The Charles Schwab Corporation SCHW $99.50 $117.26 +18%
Interactive Brokers Group IBKR $91.88 $23.37 −75%
Robinhood Markets, Inc HOOD $122.70 $47.73 −61%
Macquarie Group MQG A$242.55 A$80.51 −67%
CITIC Securities Company 600030 ¥26.79 ¥18.35 −32%
Guotai Haitong Securities Co 601211 ¥17.67 ¥19.29 +9%
East Money Information Co 300059 ¥18.77 ¥4.94 −74%
CSC Financial Co 601066 ¥23.67 ¥39.83 +68%

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Zuoli Kechuang Micro-Fin Co · Fair Value
HK$21.47 +22%Fair Value
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Cite: Fair Value Calculator (2026). "Zuoli Kechuang Micro-Fin Co Fair Value". https://www.fairvalue-calculator.com/stock/6886

Frequently asked questions

Is Zuoli Kechuang Micro-Fin Co (6886) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of HK$21.47 versus a price of HK$16.72, about +28% upside (undervalued).
What is the fair value of 6886?
Our model-based fair value for Zuoli Kechuang Micro-Fin Co is HK$21.47 (as of Sep 24, 2026), built from audited fundamentals. The current price: HK$16.72.
What is the quality score of 6886?
Zuoli Kechuang Micro-Fin Co has a Quality Score of 43/100. 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 Zuoli Kechuang Micro-Fin Co (6886)?
Our model-based price target is the fair value of HK$21.47 (as of Sep 24, 2026) from 2 valuation models. Cautious scenario HK$16.10, optimistic scenario HK$26.84. It is a calculation from audited fundamentals, not an analyst target.
What is the Zuoli Kechuang Micro-Fin Co stock forecast for 2026?
Our models put fair value at HK$21.47, about +28% upside versus a price of HK$16.72 (undervalued). Cautious scenario HK$16.10, optimistic scenario HK$26.84. The calculation is refreshed regularly with new filings.
What is the revenue of Zuoli Kechuang Micro-Fin Co (6886)?
Zuoli Kechuang Micro-Fin Co reported trailing-twelve-month revenue of about 39.5B CNY (latest available figure, as of Sep 24, 2026).
Does Zuoli Kechuang Micro-Fin Co pay a dividend?
Zuoli Kechuang Micro-Fin Co currently shows a dividend yield of about 3.99% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Zuoli Kechuang Micro-Fin Co (6886)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Zuoli Kechuang Micro-Fin Co it is HK$21.47 per share (as of Sep 24, 2026), against a price of HK$16.72. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is Zuoli Kechuang Micro-Fin Co stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 6886 trades below its calculated fair value: price HK$16.72, fair value HK$21.47, a gap of about +28% (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 6886?
No. The price is what the market pays today (HK$16.72); the fair value is what the company's own numbers justify (HK$21.47). For Zuoli Kechuang Micro-Fin Co the two are HK$4.75 per share apart. That gap is exactly why we show both numbers side by side.
How much is Zuoli Kechuang Micro-Fin Co worth?
The market values Zuoli Kechuang Micro-Fin Co at about HK$158B (market capitalisation, as of Sep 24, 2026). Per share that is HK$16.72; our models calculate a fair value of HK$21.47 per share.
What do the bullish and bearish scenarios say about 6886?
Our models span a range for Zuoli Kechuang Micro-Fin Co: cautious scenario HK$16.10, base HK$21.47, optimistic HK$26.84 per share (as of Sep 24, 2026, price HK$16.72). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 6886?
Zuoli Kechuang Micro-Fin Co trades at a price-to-earnings ratio of 7.9 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of HK$21.47 is built from several models across several years. Other multiples: P/B 0.7, P/S 3.4.
How solid is the balance sheet of Zuoli Kechuang Micro-Fin Co (6886)?
Balance-sheet figures for Zuoli Kechuang Micro-Fin Co (as of Sep 24, 2026): return on equity 8.6%, debt of 0.48 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is 6886 from its 52-week high?
Zuoli Kechuang Micro-Fin Co trades at HK$16.72, about 22% below its 52-week high of HK$21.44 and 13% above the low of HK$14.81 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of HK$21.47 is for.
Which stocks are comparable to Zuoli Kechuang Micro-Fin Co?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, 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 Zuoli Kechuang Micro-Fin Co stock attractive at the current price?
The data as of Sep 24, 2026: price HK$16.72, calculated fair value HK$21.47 (+28%), Quality Score 43/100, 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 6886 calculated?
We run Zuoli Kechuang Micro-Fin 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$21.47, 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 13.0 % above its aggregate fair value. Zuoli Kechuang Micro-Fin Co currently trades 28 % 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 Zuoli Kechuang Micro-Fin Co (6886)?
The closing price on Sep 24, 2026 was HK$16.72. Our model-based fair value is HK$21.47, about +28% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Zuoli Kechuang Micro-Fin Co right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the lower half of our model range, the side with the larger margin of safety. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
Where does the earnings growth of Zuoli Kechuang Micro-Fin Co (6886) come from?
Earnings per share at Zuoli Kechuang Micro-Fin Co grew +4.2 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.8 %, EBIT margin −4.7 %, tax rate +2.4 %, residual (interest, one-offs) +0.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Zuoli Kechuang Micro-Fin Co

How large is the market capitalisation of Zuoli Kechuang Micro-Fin Co (6886)?
The market capitalisation of Zuoli Kechuang Micro-Fin Co is HK$158B (≈ $20.2B). 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 Zuoli Kechuang Micro-Fin Co (6886)?
The price-to-sales ratio of Zuoli Kechuang Micro-Fin Co is 3.07 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Zuoli Kechuang Micro-Fin Co (6886)?
Earnings per share at Zuoli Kechuang Micro-Fin Co are HK$1.35 (price ÷ EPS = P/E 7.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Zuoli Kechuang Micro-Fin Co (6886)?
The dividend yield of Zuoli Kechuang Micro-Fin Co is 4.0% (payout 49.5%). 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 Zuoli Kechuang Micro-Fin Co (6886)?
The net margin of Zuoli Kechuang Micro-Fin Co is 39.0% (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 Zuoli Kechuang Micro-Fin Co (6886)?
The return on equity (ROE) of Zuoli Kechuang Micro-Fin Co is 8.6% (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 Zuoli Kechuang Micro-Fin Co (6886)?
On an EBIT basis the return on assets of Zuoli Kechuang Micro-Fin Co 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 Zuoli Kechuang Micro-Fin Co (6886)?
The operating margin of Zuoli Kechuang Micro-Fin Co is 58.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Zuoli Kechuang Micro-Fin Co (6886)?
Revenue at Zuoli Kechuang Micro-Fin Co is growing +45.0% versus a year earlier (3y avg +0.0%). 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 Zuoli Kechuang Micro-Fin Co (6886)?
Earnings per share at Zuoli Kechuang Micro-Fin Co are growing +34.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Zuoli Kechuang Micro-Fin Co (6886) generate?
The free cash flow of Zuoli Kechuang Micro-Fin Co is −13.8B 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 cash does Zuoli Kechuang Micro-Fin Co (6886) hold?
Zuoli Kechuang Micro-Fin Co holds more cash than debt, 210B CNY net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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