Easy Repay Finance & Investment Ltd (8079) Fair Value & Analysis

Consumer Defensive · HK · Market cap HK$29.7M (≈ $3.8M) · ISIN BMG2916U1210

What is Easy Repay Finance & Investment Ltd really worth?

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 →

What matters now

• The price sits above even our optimistic bull case (HK$0.3300). The favourable scenario is already priced in.
• The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
• Solid but not exceptional quality (50/100) and above fair value, neither a clear bargain nor a standout compounder.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.

How to read this chart

60‑month range HK$0.3150 – HK$2.93 · fair‑value band HK$0.2200 – HK$0.3300 · the HK$0.5650 price screens above the HK$0.2700 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

Easy Repay Finance & Investment Ltd (8079) currently trades at HK$0.5650, while our model-based Fair Value estimate is HK$0.2700, implying the stock looks roughly 109.2% overvalued today. The Quality Score stands at 50/100 (solid quality), in the Consumer Defensive sector. How firm this estimate is: it rests on 2 models at a data quality of 93/100, which puts the evidence level at low.

Over the trailing twelve months, Easy Repay Finance & Investment Ltd generated revenue of HK$45.5M at a net margin of −7.6%. Revenue declined 2.0% year over year. It earns a return on equity of −13.0%. The balance sheet holds a net cash position of HK$2.6M. Fundamentals as of Aug 13, 2026

Our scenario range runs from HK$0.2200 (bear case) to HK$0.3300 (bull case); at HK$0.5650, 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 42% below its 52-week high and 59% above its 52-week low, currently above its 200-day average. For context, the median of 10 Consumer Defensive peers we cover trades at −27% fair-value upside, at −52%, 8079 screens richer than that median.

Fair Value models

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.

Widest divergence: Asset-Based (HK$0.4800) versus Multiples (HK$0.4000). Highest evidence: EV/EBITDA (67).

Key figures & financial health

Quality Score breakdown

About the company

Wisdomcome Group Holdings Limited engages in the retail and wholesale of grocery products in Hong Kong. It retails and wholesales food, health and lifestyle products, and money-lending services.

Full company description

Wisdomcome Group Holdings Limited engages in the retail and wholesale of grocery products in Hong Kong. It retails and wholesales food, health and lifestyle products, and money-lending services. The company's product portfolio includes snacks, gourmet foods, hormone-free frozen foods, seasonal fruits, ready-to-eat products, pet's products, health supplements, and skincare products. The company was formerly known as Easy Repay Finance & Investment Limited and changed its name to Wisdomcome Group Holdings Limited in June 2023. Wisdomcome Group Holdings Limited was incorporated in 2001 and is headquartered in Kowloon Bay, Hong Kong.

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

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

Easy Repay Finance & Investment Ltd reported revenue of HK$45.5M in FY2026 versus HK$98.3M in FY2022, a compound −17.5%/yr. Reported net income was −HK$3.5M in FY2026.

8079 screens 109% overvalued. Compare with Loblaw Companies Limited →

Peer Group

Grocery Stores · 78 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 Grocery Stores median · lower = cheaper

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.

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.

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