Hao Wen Holdings Ltd (8019) fair value: what the stock is really worth
As of Sep 30, 2026: fair value of Hao Wen Holdings Ltd HK$0.12, price HK$0.07, upside +67.6%, quality 40 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$0.0640 – HK$0.8900 · fair‑value band HK$0.0872 – HK$0.1428 · the HK$0.0710 price screens below the HK$0.1190 fair value. Dashed = 300-day average. As of Sep 27, 2026.
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Hao Wen Holdings Limited, an investment holding company, engages in money lending business in the People's Republic of China and Hong Kong. It operates through two segments, Money Lending and Electronic Parts.
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Hao Wen Holdings Limited, an investment holding company, engages in money lending business in the People's Republic of China and Hong Kong. It operates through two segments, Money Lending and Electronic Parts. It offers personal loans, mortgage loans, and corporate loans; sources, processes, and sells computer-related and smartphone-related electronic parts and components, such as CPU, LED screen panel, hard-disk, and smartphone chipsets and lens. Hao Wen Holdings Limited was incorporated in 2000 and is headquartered in Sheung Wan, Hong Kong.
Stock analysis
Hao Wen Holdings Ltd (8019) currently trades at HK$0.0710, while our model-based Fair Value estimate is HK$0.1190, implying the stock looks roughly 40.3% undervalued today.
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Valuation
How firm this estimate is: it rests on 1 models at a data quality of 95/100, which puts the evidence level at low.
Scenario range: HK$0.0872 (bear) to HK$0.1428 (bull), the price of HK$0.0710 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 40/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
Hao Wen Holdings Ltd reported revenue of 34.5M CNY in FY2025 versus 65.7M CNY in FY2021, a compound −14.9%/yr. Reported net income was −903K CNY in FY2025.
Key figures
Market cap HK$45.2M (≈ $5.8M) · P/S ratio 5.61 · Net margin −2.6% · Return on equity −0.3% · Return on assets (EBIT) −4.0% · Operating margin 112% · Revenue growth (YoY) −1.6% · EPS growth (YoY) +321%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 77% below its 52-week high and 11% 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 68%, 8019 screens cheaper than that median.
Fair Value models
Bear HK$0.0872Fair Value HK$0.1190Bull HK$0.1428
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 is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−10.7%
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.
−18.0%
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.
−8.2%
Start year 2020 (pandemic). Over 10 years: −0.8% a year
Revenue growth 25 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.
−5.6%
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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.
−39.3% (2020) → −36.3% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
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 · 333 stocks
Beats the industry median on 4/8 measures
A mixed picture versus its industry peers.
Valuation
Quality Score42 · Bottom 25%
Fair Value upside+67.6% · Above median
Profitability
Return on assets−0.3% · Bottom 25%
Net margin (TTM)−11.5% · Bottom 25%
Operating margin (TTM)112.0% · Top 25%
Growth and dividend
Revenue growth−1.6% · Below median
Balance sheet
Debt / equity0.09× · Lowest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
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Is Hao Wen Holdings Ltd (8019) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of HK$0.1190 versus a price of HK$0.0710, about +68% upside (undervalued).
What is the fair value of 8019?
Our model-based fair value for Hao Wen Holdings Ltd is HK$0.1190 (as of Sep 27, 2026), built from audited fundamentals. The current price: HK$0.0710.
What is the quality score of 8019?
Hao Wen Holdings Ltd has a Quality Score of 40/100. 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 Hao Wen Holdings Ltd (8019)?
Our model-based price target is the fair value of HK$0.1190 (as of Sep 27, 2026) from 1 valuation models. Cautious scenario HK$0.0872, optimistic scenario HK$0.1428. It is a calculation from audited fundamentals, not an analyst target.
What is the Hao Wen Holdings Ltd stock forecast for 2026?
Our models put fair value at HK$0.1190, about +68% upside versus a price of HK$0.0710 (undervalued). Cautious scenario HK$0.0872, optimistic scenario HK$0.1428. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Hao Wen Holdings Ltd (8019)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Hao Wen Holdings Ltd it is HK$0.1190 per share (as of Sep 27, 2026), against a price of HK$0.0710. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Hao Wen Holdings Ltd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 8019 trades below its calculated fair value: price HK$0.0710, fair value HK$0.1190, a gap of about +68% (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 8019?
No. The price is what the market pays today (HK$0.0710); the fair value is what the company's own numbers justify (HK$0.1190). For Hao Wen Holdings Ltd the two are HK$0.0480 per share apart. That gap is exactly why we show both numbers side by side.
How much is Hao Wen Holdings Ltd worth?
The market values Hao Wen Holdings Ltd at about HK$45.2M (market capitalisation, as of Sep 27, 2026). Per share that is HK$0.0710; our models calculate a fair value of HK$0.1190 per share.
What do the bullish and bearish scenarios say about 8019?
Our models span a range for Hao Wen Holdings Ltd: cautious scenario HK$0.0872, base HK$0.1190, optimistic HK$0.1428 per share (as of Sep 27, 2026, price HK$0.0710). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Hao Wen Holdings Ltd (8019)?
Balance-sheet figures for Hao Wen Holdings Ltd (as of Sep 27, 2026): return on equity −0.3%, debt of 0.09 per unit of equity. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is 8019 from its 52-week high?
Hao Wen Holdings Ltd trades at HK$0.0710, about 77% below its 52-week high of HK$0.3100 and 11% above the low of HK$0.0640 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of HK$0.1190 is for.
Which stocks are comparable to Hao Wen Holdings 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 Hao Wen Holdings Ltd stock attractive at the current price?
The data as of Sep 27, 2026: price HK$0.0710, calculated fair value HK$0.1190 (+68%), Quality Score 40/100, from 1 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 8019 calculated?
We run Hao Wen Holdings Ltd through 1 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$0.1190, 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. Hao Wen Holdings Ltd currently trades 40 % 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 Hao Wen Holdings Ltd (8019)?
The closing price on Sep 30, 2026 was HK$0.0710. Our model-based fair value is HK$0.1190, about +68% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Hao Wen Holdings Ltd right now?
The large discount to fair value meets weak quality (40/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (HK$0.0872). 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 Hao Wen Holdings Ltd
How large is the market capitalisation of Hao Wen Holdings Ltd (8019)?
The market capitalisation of Hao Wen Holdings Ltd is HK$45.2M (≈ $5.8M). 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 Hao Wen Holdings Ltd (8019)?
The price-to-sales ratio of Hao Wen Holdings Ltd is 5.61 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of Hao Wen Holdings Ltd (8019)?
The net margin of Hao Wen Holdings Ltd is −2.6% (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 Hao Wen Holdings Ltd (8019)?
The return on equity (ROE) of Hao Wen Holdings Ltd is −0.3% (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 Hao Wen Holdings Ltd (8019)?
On an EBIT basis the return on assets of Hao Wen Holdings Ltd is −4.0% (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 Hao Wen Holdings Ltd (8019)?
The operating margin of Hao Wen Holdings Ltd is 112% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Hao Wen Holdings Ltd (8019)?
Revenue at Hao Wen Holdings Ltd is growing −1.6% versus a year earlier (3y avg −18.0%). 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 Hao Wen Holdings Ltd (8019)?
Earnings per share at Hao Wen Holdings Ltd are growing +321% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Hao Wen Holdings Ltd (8019) generate?
The free cash flow of Hao Wen Holdings Ltd is −3.7M 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 Hao Wen Holdings Ltd (8019) carry?
The net debt of Hao Wen Holdings Ltd is 59.6M 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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