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Sinofortune Financial Holdings Ltd (8123) fair value: what the stock is really worth

As of Nov 10, 2026: fair value (intrinsic value) of Sinofortune Financial Holdings Ltd stock HK$0.24, price HK$0.42, that is 42.2% below the price, quality 43 out of 100. Rating: strongly overvalued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

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Consumer Cyclical HK · ISIN KYG8406P1000

SF Sinofortune Financial Holdings Ltd logo Thin data Nov 10, 2026

Sinofortune Financial Holdings Ltd

8123 · HK
Weakest Setup

Our calculation puts a fair price 42% below what the stock costs today.

Quality 43/100
Negative equity (buybacks among others)
Fair value HK$0.2427 · Strongly overvalued
Weak Growth (revenue 5y −15.9 %/yr in HKD)
Loss-making · -39.0% net margin (TTM)
Negative free cash flow
Trails peers (1/7)
Narrow moat 4/100 · thin data
Thin data
Estimate
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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

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Price vs Fair Value

HK$1.38 HK$0.0810 Fair Value HK$0.2427 Jun 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.

How to read this chart

60‑month range HK$0.0810 – HK$1.38 · fair‑value band HK$0.1820 – HK$0.3034 · the HK$0.4200 price screens above the HK$0.2427 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 10, 2026.

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Company profile

Sinofortune Financial Holdings Limited, an investment holding company, engages in the trading of motor vehicles and provision of agency services in the People's Republic of China and Hong Kong.

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The company operates through Trading of Motor Vehicles, and Provision of Agency Services and Accessories Sourcing segments. It also provides property holding, precious metals brokerage and spot trading, and education information and consultancy services. It also provides digital marketing services.

The company was formerly known as First China Financial Network Holdings Limited and changed its name to Sinofortune Financial Holdings Limited in June 2017. Sinofortune Financial Holdings Limited was founded in 1999 and is headquartered in Central, Hong Kong.

Stock analysis

Sinofortune Financial Holdings Ltd (8123) currently trades at HK$0.4200, while our estimate is HK$0.2427, 42% below the price, so the stock looks overvalued today.

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Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: HK$0.1820 (bear) to HK$0.3034 (bull), the price of HK$0.4200 sits above 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 Consumer Cyclical sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

Sinofortune Financial Holdings Ltd reported revenue of HK$29.2M in FY2025 versus HK$24.2M in FY2021, a compound +4.8%/yr. Reported net income was −HK$14.7M in FY2025.

Key figures

Market cap HK$143M (≈ $18.2M) Micro · P/S ratio 1.85 · Net margin −50.3% · Return on equity −311% · Return on assets (EBIT) −15.9% (5-year average) · Operating margin −20.6% · Revenue (TTM) HK$70.6M · Revenue growth (YoY) +923%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 4 out of 100 (low confidence).

What moves the price

The share trades about 30% below its 52-week high and 419% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Consumer Cyclical peers we cover trades at −13% fair-value upside, at −42%, 8123 screens richer than that median.

Fair Value

Bear HK$0.1820 Fair Value HK$0.2427 Bull HK$0.3034
Price HK$0.4200 · Downside -42.2%
Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 43/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 2
How much profit the company makes from its sales and capital
Quality Growth 49
Are margins and returns getting better?
Cashflow 25
Do the profits arrive as real cash?
Financial strength 40
Debt, balance sheet and risk of trouble
Investment 100
Does it invest with discipline instead of growing at any price?
Low Volatility 50
How calm the share price moves, does not count
Price momentum 67
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 33
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

Open the full quality analysis →

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. 0/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−9.3%
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.
−45.6%
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.
−15.9%
Start year 2020 (pandemic). Over 10 years: −5.3% a year
Revenue growth 24 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.
+18.3%
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.
−27.6% (2020) → −156.4% (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
not computed

8123 screens overvalued: fair value 42% below the price. Compare with Carvana Co →

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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.Auto & Truck Dealerships · 87 stocks

Beats the industry median on 1/7 measures
Overall it trails its industry peers.
Valuation
Quality Score 43 · Below median
Fair Value upside −42.2% · Bottom 25%
Profitability
Return on equity (12 months) Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Return on assets −13.1% · Bottom 25%
Net margin (12 months) −39.0% · Bottom 25%
Operating margin (12 months) −20.6% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 923.4% · Top 25%
Balance sheet
Debt / equity Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.

Valuation Multiplesvs Auto & Truck Dealerships median · lower = cheaper

P/B Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
P/S (12 months) 2.02× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 42
FUTURE (revenue growth)100 · sector 32
PAST (return on equity)0 · sector 29
HEALTH (low debt)0 · sector 83
DIVIDEND (yield)0 · sector 72

VALUE 0: the price sits above our fair-value range.

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 Auto & Truck Dealerships stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Lithia Motors, Inc LAD $305.82 $517.15 +69% vs 8123
AutoNation, Inc AN $184.14 $218.68 +19% vs 8123
Hotai Motor Co 2207 508.00 TWD 576.75 TWD +14% vs 8123
Penske Automotive Group PAG $213.44 $220.10 +3% vs 8123
OPENLANE, Inc OPLN $35.23 $30.74 −13% vs 8123
Rush Enterprises, Inc RUSHB $59.04 $49.69 −16% vs 8123
CarMax, Inc KMX $54.19 $32.38 −40% vs 8123
D'Ieteren Group DIE €177.00 €105.40 −40% vs 8123
Carvana Co CVNA $73.02 $25.27 −65% vs 8123
AUTO1 Group AG1 €16.35 €4.48 −73% vs 8123

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Sinofortune Financial Holdings Ltd: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Sinofortune Financial Holdings Ltd Fair Value". https://www.fairvalue-calculator.com/stock/8123

Frequently asked questions

Is Sinofortune Financial Holdings Ltd (8123) overvalued or undervalued?
As of Nov 10, 2026, our estimate of fair value is HK$0.2427 versus a price of HK$0.4200, about 42% lower (overvalued).
What is the fair value of 8123?
Our estimate for Sinofortune Financial Holdings Ltd is HK$0.2427 (as of Nov 10, 2026), built from audited fundamentals. The current price: HK$0.4200.
What is the quality score of 8123?
Sinofortune Financial Holdings Ltd 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 Sinofortune Financial Holdings Ltd (8123)?
Our calculated price target is the estimate of HK$0.2427 (as of Nov 10, 2026). Cautious scenario HK$0.1820, optimistic scenario HK$0.3034. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.
What is the Sinofortune Financial Holdings Ltd stock forecast for 2026?
Our estimate puts fair value at HK$0.2427, about 42% lower versus a price of HK$0.4200 (overvalued). Cautious scenario HK$0.1820, optimistic scenario HK$0.3034. The calculation is refreshed regularly with new filings.
What is the revenue of Sinofortune Financial Holdings Ltd (8123)?
Sinofortune Financial Holdings Ltd reported trailing-twelve-month revenue of about HK$70.6M (latest available figure, as of Nov 10, 2026).
What is the intrinsic value of Sinofortune Financial Holdings Ltd (8123)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Sinofortune Financial Holdings Ltd it is HK$0.2427 per share (as of Nov 10, 2026), against a price of HK$0.4200.
Is Sinofortune Financial Holdings Ltd stock overvalued or undervalued in 2026?
As of Nov 10, 2026, 8123 trades above its calculated fair value: price HK$0.4200, fair value HK$0.2427, a gap of about −42% (overvalued). 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 8123?
No. The price is what the market pays today (HK$0.4200); the fair value is what the company's own numbers justify (HK$0.2427). For Sinofortune Financial Holdings Ltd the two are HK$0.1773 per share apart. That gap is exactly why we show both numbers side by side.
How much is Sinofortune Financial Holdings Ltd worth?
The market values Sinofortune Financial Holdings Ltd at about HK$143M (market capitalisation, as of Nov 10, 2026). Per share that is HK$0.4200; our models calculate a fair value of HK$0.2427 per share.
What do the bullish and bearish scenarios say about 8123?
Our models span a range for Sinofortune Financial Holdings Ltd: cautious scenario HK$0.1820, base HK$0.2427, optimistic HK$0.3034 per share (as of Nov 10, 2026, price HK$0.4200). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Sinofortune Financial Holdings Ltd (8123)?
Balance-sheet figures for Sinofortune Financial Holdings Ltd (as of Nov 10, 2026): negative equity, so no return on equity and no debt-to-equity ratio. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is 8123 from its 52-week high?
Sinofortune Financial Holdings Ltd trades at HK$0.4200, about 30% below its 52-week high of HK$0.6000 and 419% above the low of HK$0.0810 (as of Nov 10, 2026). Distance from the high says nothing about value: that is what the fair value of HK$0.2427 is for.
Which stocks are comparable to Sinofortune Financial Holdings Ltd?
From the same area (Consumer Cyclical) we also value Carvana Co, Penske Automotive Group, D'Ieteren Group, Hotai Motor Co, 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 Sinofortune Financial Holdings Ltd stock attractive at the current price?
The data as of Nov 10, 2026: price HK$0.4200, calculated fair value HK$0.2427 (−42%), Quality Score 43/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% above its aggregate fair value. Sinofortune Financial Holdings Ltd itself currently trades above fair value. 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 Sinofortune Financial Holdings Ltd (8123)?
The closing price on Nov 10, 2026 was HK$0.4200. Our estimate is HK$0.2427, about 42% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Sinofortune Financial Holdings Ltd right now?
The price sits above even our optimistic bull case (HK$0.3034). The favourable scenario is already priced in. Weak quality (43/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.

Key figures of Sinofortune Financial Holdings Ltd

How large is the market capitalisation of Sinofortune Financial Holdings Ltd (8123)?
The market capitalisation of Sinofortune Financial Holdings Ltd is HK$143M (≈ $18.2M). 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 Sinofortune Financial Holdings Ltd (8123)?
The price-to-sales ratio of Sinofortune Financial Holdings Ltd is 1.85 (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 Sinofortune Financial Holdings Ltd (8123)?
The net margin of Sinofortune Financial Holdings Ltd is −50.3% (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 Sinofortune Financial Holdings Ltd (8123)?
The return on equity (ROE) of Sinofortune Financial Holdings Ltd is −311% (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 Sinofortune Financial Holdings Ltd (8123)?
On an EBIT basis the return on assets of Sinofortune Financial Holdings Ltd is −15.9% (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 Sinofortune Financial Holdings Ltd (8123)?
The operating margin of Sinofortune Financial Holdings Ltd is −20.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Sinofortune Financial Holdings Ltd (8123)?
Revenue at Sinofortune Financial Holdings Ltd is growing +923% versus a year earlier (3y avg −45.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Sinofortune Financial Holdings Ltd (8123) generate?
The free cash flow of Sinofortune Financial Holdings Ltd is −HK$4.3M (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 Sinofortune Financial Holdings Ltd (8123) hold?
Sinofortune Financial Holdings Ltd holds more cash than debt, HK$16.5M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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