8021 (8021) Fair Value & Analysis

Financial Services · Market cap HK$118M

8 8021 8021 · HK

PriceHK$0.1660

Fair ValueHK$0.3100

Upside+86.7%

Quality64/100

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Evidence: High Range HK$0.2400 – HK$0.3400

Fair value as of: Jul 2, 2026

From 15 valuation models · updated today

Share price −30.0% over the past month.

Price vs Fair Value (12 months)

12‑month range HK$0.0080 – HK$0.3200 · fair‑value band HK$0.2400 – HK$0.3400 · the HK$0.1660 price screens below the HK$0.3100 fair value. As of Jul 2, 2026.

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Analysis

8021 (8021) currently trades at HK$0.1660, while our model-based Fair Value estimate is HK$0.3100 — implying the stock looks roughly 86.7% undervalued today. We read business quality at 64/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

Over the trailing twelve months, 8021 generated revenue of HK$71.9M at a net margin of 53.8%. Revenue declined 15.5% year over year. It earns a return on equity of 8.9%. Net debt stands at HK$137M. Fundamentals as of Jul 2, 2026

Key figures & financial health

Revenue (TTM) HK$71.9M

Revenue growth (YoY) -15.5%

Net margin 53.8%

Return on equity 8.9%

Free cash flow HK$3.3M FY2025

P/E ratio 1.5

More key figures

Operating margin 15.1%

EPS growth (YoY) +149%

Net debt HK$137M FY2025

Figures from reported company fundamentals (EODHD) · as of Jul 2, 2026. TTM = trailing twelve months.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

8021 reported revenue of HK$79.1M in FY2025 versus HK$150M in FY2021, a compound −14.8%/yr. Reported net income was −HK$6.8M in FY2025.

Revenue −14.8%/yr

FY21 HK$150M

FY22 HK$189M

FY23 HK$146M

FY24 HK$82.4M

FY25 HK$79.1M

Net income

FY21 −HK$16.9M

FY22 −HK$10.8M

FY23 −HK$112M

FY24 −HK$11.1M

FY25 −HK$6.8M

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Similar stocks

6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 2, 2026).

Stock	Price	Fair Value	vs Fair Value
Visa Inc V	5,663 MXN	229.36 MXN	-96%
Mastercard Incorporated MA	C$29.95	C$10.05	-66%
M4I M4I	€430.50	€368.29	-14%
American Express Company AXP	C$28.87	C$24.27	-16%
Capital One Financial Corporation COF	$177.63	$125.08	-30%
Bajaj Finance Limited BAJFINANCE	₹889.40	₹559.13	-37%

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Frequently asked questions

Is 8021 (8021) undervalued?

As of Jul 2, 2026, our model estimates a fair value of HK$0.3100 versus a price of HK$0.1660 — about +87% (undervalued). Model-based estimate, not financial advice.

What is the fair value of 8021?

Our model-based fair value for 8021 is HK$0.3100 (as of Jul 2, 2026), built from audited fundamentals. The current price is HK$0.1660.

What is the quality score of 8021?

8021 has a Quality Score of 64/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

What is the revenue of 8021 (8021)?

8021 reported trailing-twelve-month revenue of about HK$71.9M (latest available figure, as of Jul 2, 2026).

What is the net profit margin of 8021?

The net profit margin of 8021 is about 53.8%, meaning it keeps roughly 53.8% of revenue as net income. Based on the latest reported figures.

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.