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Flying Financial Service Holdings Limited (8030) Fair Value & Analysis

Financial Services · HK · Market cap HK$482M (≈ $61.5M) · ISIN KYG3642R1011

What is Flying Financial Service Holdings Limited really worth?

FF Flying Financial Service Holdings Limited 8030 · HK
PriceHK$1.55
Fair ValueHK$1.70
Upside+10.0%
Quality55/100

A solid business, trading 9% below our fair value of HK$1.70.

As of Aug 19, 2026, the fair value of Flying Financial Service Holdings Limited is HK$1.70 per share against a price of HK$1.55, so the fair value sits 10% above the price. A model estimate blended from multiple valuation models, recalculated regularly.

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Strengths

Highly profitable · 39.6% net margin
Low debt · generates free cash flow
Ranks above peers (11/14)
Wide moat 96/100

Risks

!Mixed Growth (revenue 5y +41.2 %/yr)
!Evidence only low, so the estimate is less certain
Evidence: Low Range HK$1.28 – HK$2.13

Fair value as of: Aug 19, 2026

From 11 valuation models · updated 17 days ago

Share price −1.6% over the past month.

What runs behind every stock

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

What matters now

  • 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.

Price vs Fair Value (5 years)

HK$13.03 HK$0.1710 Fair Value HK$1.70 Apr 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 19, 2026.

How to read this chart

60‑month range HK$0.1710 – HK$13.03 · fair‑value band HK$1.28 – HK$2.13 · the HK$1.55 price screens below the HK$1.70 fair value. Dashed = 300-day average. As of Aug 19, 2026.

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Analysis

Flying Financial Service Holdings Limited (8030) currently trades at HK$1.55, while our model-based Fair Value estimate is HK$1.70, implying the stock looks roughly 9.1% undervalued today. The Quality Score stands at 55/100 (solid quality), in the Financial Services sector. Bull case: the Growth DCF group reads highest at a median of HK$8.11 per share, and 6 of the 11 models we run sit above the HK$1.55 price. Bear case: the Asset-Based group reads lowest at HK$0.4600, and 5 of the 11 models stay below the price. Evidence for this calculation is low.

Over the trailing twelve months, Flying Financial Service Holdings Limited generated revenue of HK$120M at a net margin of 39.6%. Revenue grew 6.4% year over year. It earns a return on equity of 23.0%. The balance sheet holds a net cash position of HK$155M. Fundamentals as of Aug 19, 2026

Our scenario range runs from HK$1.28 (bear case) to HK$2.13 (bull case); at HK$1.55, the current price sits within 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. For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 10%, 8030 screens cheaper than that median.

Fair Value models

This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly HK$0.0546 per share, which is 3.2 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced 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. Every input is real reported data, nothing guessed.

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. Evidence
Highest evidence
Growth DCF best evidence HK$4.63 HK$8.11 HK$13.33 76
5Y P/E Exit HK$2.74 HK$4.14 HK$5.77 71
Residual Income HK$0.7400 HK$0.9300 HK$2.05 70
All 11 models by family
DCF Models
5Y P/E Exit HK$2.74 HK$4.14 HK$5.77 71
10Y P/E Exit HK$3.43 HK$5.03 HK$7.38 63
Earnings-Based
Graham-Dodd HK$0.9000 HK$5.63 HK$7.86 63
Lynch FV HK$1.62 HK$2.32 HK$3.01 61
Dividend Discount
Gordon GGM HK$0.6600 HK$1.20 HK$1.65 68
DDM Multi-Stage HK$0.6600 HK$1.09 HK$1.28 67
Multiples
P/E Multiple HK$1.29 HK$1.72 HK$2.15 63
P/B Multiple HK$0.7300 HK$0.9700 HK$1.21 55
Asset-Based
NCAV (Graham) HK$0.3500 HK$0.4600 HK$0.6900 54
Growth DCF
Growth DCF best evidence HK$4.63 HK$8.11 HK$13.33 76
Economic Profit
Residual Income HK$0.7400 HK$0.9300 HK$2.05 70

Widest divergence: Growth DCF (HK$8.11) versus Asset-Based (HK$0.4600). Highest evidence: Growth DCF (76).

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Key figures & financial health

P/E ratio 8.6 as of Jul 2, 2026
P/S ratio 3.61 P/E × margin
EPS (TTM) HK$0.0800 price ÷ EPS = P/E 8.6
Dividend yield 6.2% payout 120%
Net margin 41.8% FY2025
Return on equity 23.0% TTM
More key figures
Profitability
Return on assets (EBIT) 26.6% avg 5y
Operating margin 54.1% TTM
Growth
Revenue (TTM) HK$120M TTM
Revenue growth (YoY) +6.4% 3y avg +13.0%
EPS growth (YoY) −31.4%
Balance sheet & cash flow
Free cash flow HK$126M FY2025
Net cash HK$155M FY2025

Figures from reported company fundamentals · as of Aug 19, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 55/100

Of which business quality 57 · Market factors (momentum, volatility) 30

Profitability 62
Margins and returns on capital today
Quality Growth 0
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 99
Balance sheet, leverage, solvency risk
Investment 33
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 33
Price trend over the last 3–12 months (market factor)
52W Momentum 3
Distance to the 52-week high (market factor)
Net Issuance 0
Buybacks instead of dilution

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.

All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.

About the company

Fengyinhe Holdings Limited, an investment holding company, provides various financial services to real estate market in Mainland China. It operates through two segments, Operation of Financial Services Platform; and Provision of Entrusted Loan, Pawn Loan, Other Loan Services, and Financial Consultation Services.

Full company description

Fengyinhe Holdings Limited, an investment holding company, provides various financial services to real estate market in Mainland China. It operates through two segments, Operation of Financial Services Platform; and Provision of Entrusted Loan, Pawn Loan, Other Loan Services, and Financial Consultation Services. The company provides financial services platforms; short-term and long-term loans; and financial consultation services to borrowers and financial institutions. It also engages in the investment of property development projects; and offers finance lease services. Fengyinhe Holdings Limited was founded in 2001 and is headquartered in Shenzhen, China.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Flying Financial Service Holdings Limited reported revenue of 111M CNY in FY2025 versus 20.1M CNY in FY2021, a compound +53.3%/yr. Reported net income was 46.3M CNY in FY2025.

Growth Quality 86/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
HK$111M
Latest YoY
−11.9%
Avg. revenue growth/yr (3Y) 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.
+13.0%
Avg. revenue growth/yr (5Y) 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.
+41.2%
Avg. revenue growth/yr (15Y) 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.
+5.9%
Value creation/yr (3Y) Earnings growth per share (CAGR 3 years) plus dividend yield: value created per share and year.
−4.5% · in HKD
Earnings growth per share plus dividend yield: the value created per share and year.
Earnings growth per share−10.7%
Dividend yield6.2%
Operating margin (EBIT) 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.−631.8% (2020) → 59.6% (2025) · rising
Worst earnings drop503% (2020) (loss year, drop beyond 100%) · in HKD
⚠ Revenue per share shrinking 21.7%/yr over ~10Y (margins intact) Structural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Revenue +53.3%/yr
FY21 20.1M CNY
FY22 76.7M CNY
FY23 84.5M CNY
FY24 126M CNY
FY25 111M CNY
Net income
FY21 −266M CNY
FY22 2.6M CNY
FY23 16.9M CNY
FY24 54.9M CNY
FY25 46.3M CNY
Character of growth · EPS growth decomposed (2015-2025) −27.5 % p.a.
Revenue per share −27.6 %

of which total revenue −7.0 % · buybacks/dilution −22.1 %

EBIT margin +4.6 %
Tax rate −2.2 %
Residual (interest, one-offs) −2.0 %

Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).

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Cite: Fair Value Calculator (2026). "Flying Financial Service Holdings Limited Fair Value". https://www.fairvalue-calculator.com/stock/8030.HK

Peer Group

Asset Management · 695 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.

Quality Score 55 · Below median
Fair Value upside +10% · Above median
Return on equity (TTM) 23% · Top 25%
Return on assets 17% · Top 25%
Net margin (TTM) 40% · Above median
Operating margin (TTM) 54% · Above median
Revenue growth 6% · Above median
Dividend yield (TTM) 6.2% · Above median
Debt / equity 0.08× · Lower than median

Valuation Multiples vs Asset Management median · lower = cheaper

P/E (TTM) 8.6× · Cheaper than median
P/B 2.00× · Pricier than 75% of peers
P/S (TTM) 4.02× · Pricier than median
P/FCF 0.5× · Cheaper than 75% of peers
EV/EBITDA 4.7× · Cheaper than median

Strength profile in five axes (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.

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE47 · sector 40
FUTURE32 · sector 15
PAST92 · sector 24
HEALTH96 · sector 95
DIVIDEND100 · sector 81

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 Asset Management stocks, each showing price versus our Fair Value estimate (as of Aug 19, 2026).

Stock Price Fair Value vs Fair Value
Blackstone Inc BX $142.39 $52.88 −63%
Investor AB INVEB kr 408.05 kr 827.56 +103%
Brookfield Corporation BN C$55.74 C$10.67 −81%
KKR & Co KKR $108.68 $19.97 −82%
Apollo Global Management, Inc APO $135.04 $101.04 −25%
State Street Corporation STT $193.33 $138.33 −28%
Ameriprise Financial, Inc AMP $559.32 $515.24 −8%
Ares Management Corporation ARES $143.10 $30.88 −78%
Northern Trust Corporation NTRS $186.79 $122.02 −35%
Raymond James Financial, Inc RJF $181.10 $142.42 −21%

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Frequently asked questions

Is Flying Financial Service Holdings Limited (8030) overvalued or undervalued?
As of Aug 19, 2026, our model estimates a fair value of HK$1.70 versus a price of HK$1.55, about +10% upside (undervalued).
What is the fair value of 8030?
Our model-based fair value for Flying Financial Service Holdings Limited is HK$1.70 (as of Aug 19, 2026), built from audited fundamentals. The current price: HK$1.55.
What is the quality score of 8030?
Flying Financial Service Holdings Limited has a Quality Score of 55/100. 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 Flying Financial Service Holdings Limited (8030)?
Our model-based price target is the fair value of HK$1.70 (as of Aug 19, 2026) from 11 valuation models. Cautious scenario HK$1.28, optimistic scenario HK$2.13. It is a calculation from audited fundamentals, not an analyst target.
What is the Flying Financial Service Holdings Limited stock forecast for 2026?
Our models put fair value at HK$1.70, about +10% upside versus a price of HK$1.55 (undervalued). Cautious scenario HK$1.28, optimistic scenario HK$2.13. The calculation is refreshed regularly with new filings.
What is the revenue of Flying Financial Service Holdings Limited (8030)?
Flying Financial Service Holdings Limited reported trailing-twelve-month revenue of about HK$120M (latest available figure, as of Aug 19, 2026).
What is the net profit margin of 8030?
The net profit margin of Flying Financial Service Holdings Limited is about 39.6%, meaning it keeps roughly 39.6% of revenue as net income. Based on the latest reported figures.
Does Flying Financial Service Holdings Limited pay a dividend?
Flying Financial Service Holdings Limited currently shows a dividend yield of about 6.19% relative to its recent price (as of Aug 19, 2026).
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