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KOALA Financial Group Ltd (8226) fair value: what the stock is really worth

As of Sep 30, 2026: fair value of KOALA Financial Group Ltd HK$0.19, price HK$0.10, upside +83.5%, quality 56 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · HK · ISIN KYG5306J1195

KF Thin data Sep 29, 2026

KOALA Financial Group Ltd

8226 · HK

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value HK$0.1853 · Strongly undervalued (+83.5%)
!Quality 56/100
!Weak Growth (revenue 5y −3.7 %/yr)
!Loss-making · -51.3% net margin (TTM)
✓Low debt · generates free cash flow
!Mixed vs. peers (5/10)
!Narrow moat 12/100
!Evidence only low, so the estimate is less certain
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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 →

Price vs Fair Value

HK$0.4100 HK$0.0750 Fair Value HK$0.1853 May 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 29, 2026.

How to read this chart

60‑month range HK$0.0750 – HK$0.4100 · fair‑value band HK$0.1387 – HK$0.2290 · the HK$0.1010 price screens below the HK$0.1853 fair value. Dashed = 300-day average. As of Sep 29, 2026.

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Company profile

KOALA Financial Group Limited, an investment holding company, engages in securities brokerage, share placements, underwriting services, and money lending activities in Hong Kong.

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KOALA Financial Group Limited, an investment holding company, engages in securities brokerage, share placements, underwriting services, and money lending activities in Hong Kong. The company operates through Securities investments, Provision of financial services, Leasing of investment properties, Money lending business, and Provision of assets management services segments. It is also involved in the provision of brokerage, margin and short-term IPO financing, and placing services, as well as personal and corporate loans, and properties investment activities. The company was formerly known as Sunrise (China) Technology Group Limited and changed its name to KOALA Financial Group Limited in June 2017. KOALA Financial Group Limited was incorporated in 2002 and is based in Wan Chai, Hong Kong.

Stock analysis

KOALA Financial Group Ltd (8226) currently trades at HK$0.1010, while our model-based Fair Value estimate is HK$0.1853, implying the stock looks roughly 45.5% undervalued today.

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Valuation

How firm this estimate is: it rests on 7 models at a data quality of 95/100, which puts the evidence level at low.

Scenario range: HK$0.1387 (bear) to HK$0.2290 (bull), the price of HK$0.1010 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 56/100 (solid 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.

KOALA Financial Group Ltd reported revenue of HK$19.4M in FY2025 versus HK$25.9M in FY2021, a compound −7.0%/yr. Reported net income was −HK$9.6M in FY2025.

Key figures

Market cap HK$42.2M (≈ $5.4M) · P/S ratio 2.14 · EPS (TTM) HK$0.0200 · Net margin −49.5% · Return on equity −2.6% · Return on assets (EBIT) 4.4% · Operating margin −35.4% · Revenue (TTM) HK$18.7M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).

What moves the price

The share trades about 20% below its 52-week high and 35% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −18% fair-value upside, at 83%, 8226 screens cheaper than that median.

Fair Value models

Bear HK$0.1387 Fair Value HK$0.1853 Bull HK$0.2290
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. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (HK$0.0150 per share) are deliberately not added. 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.
Highest evidence
P/B Multiple HK$0.5500 HK$0.7400 HK$0.9200 55
NCAV (Graham) HK$0.4300 HK$0.5800 HK$0.8700 54
All 2 models by family
Multiples
P/B Multiple HK$0.5500 HK$0.7400 HK$0.9200 55
Asset-Based
NCAV (Graham) HK$0.4300 HK$0.5800 HK$0.8700 54

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Quality Score breakdown

Overall quality 56/100

Of which business quality 65 · Market factors (momentum, volatility) 41

Profitability 5
Margins and returns on capital today
Quality Growth 46
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 100
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 41
Price trend over the last 3–12 months (market factor)
52W Momentum 32
Distance to the 52-week high (market factor)
Net Issuance 40
Share count: buybacks or dilution?

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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. 15/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−19.3%
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.
−6.2%
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.
−3.7%
Start year 2020 (pandemic). Over 10 years: −13.9% 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.
−4.6%
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.
23.6% (2020) → −46.7% (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

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Compare KOALA Financial Group Ltd with another stock

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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.Capital Markets · 464 stocks

Beats the industry median on 4/8 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 61 · Above median
Fair Value upside +83.5% · Top 25%
Profitability
Return on assets −2.4% · Bottom 25%
Net margin (TTM) −51.3% · Bottom 25%
Operating margin (TTM) −35.4% · Bottom 25%
Growth and dividend
Revenue growth −44.5% · Bottom 25%

Valuation Multiplesvs Capital Markets median · lower = cheaper

P/S (TTM) 0.29× · Cheapest 25%
P/FCF 0.2× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 35
FUTURE (revenue growth)0 · sector 96
PAST (return on equity)0 · sector 31
HEALTH (low debt)100 · sector 95
DIVIDEND (yield)0 · sector 43

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 Capital Markets stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Morgan Stanley, a financial holding company, MS $196.31 $314.07 +60%
The Goldman Sachs Group GS $935.45 $766.86 −18%
The Charles Schwab Corporation SCHW $99.03 $118.07 +19%
Interactive Brokers Group IBKR $89.24 $23.12 −74%
Robinhood Markets, Inc HOOD $116.22 $47.77 −59%
Macquarie Group MQG A$239.53 A$80.51 −66%
CITIC Securities Company 600030 ¥26.29 ¥18.35 −30%
Guotai Haitong Securities Co 601211 ¥17.21 ¥19.35 +12%
East Money Information Co 300059 ¥18.28 ¥4.94 −73%
Nomura Holdings NMR $9.91 $10.19 +3%

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KOALA Financial Group Ltd · Fair Value
HK$0.1853 +45%Fair Value
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Cite: Fair Value Calculator (2026). "KOALA Financial Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/8226

Frequently asked questions

Is KOALA Financial Group Ltd (8226) overvalued or undervalued?
As of Sep 29, 2026, our model estimates a fair value of HK$0.1853 versus a price of HK$0.1010, about +83% upside (undervalued).
What is the fair value of 8226?
Our model-based fair value for KOALA Financial Group Ltd is HK$0.1853 (as of Sep 29, 2026), built from audited fundamentals. The current price: HK$0.1010.
What is the quality score of 8226?
KOALA Financial Group Ltd has a Quality Score of 56/100. 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 KOALA Financial Group Ltd (8226)?
Our model-based price target is the fair value of HK$0.1853 (as of Sep 29, 2026) from 2 valuation models. Cautious scenario HK$0.1387, optimistic scenario HK$0.2290. It is a calculation from audited fundamentals, not an analyst target.
What is the KOALA Financial Group Ltd stock forecast for 2026?
Our models put fair value at HK$0.1853, about +83% upside versus a price of HK$0.1010 (undervalued). Cautious scenario HK$0.1387, optimistic scenario HK$0.2290. The calculation is refreshed regularly with new filings.
What is the revenue of KOALA Financial Group Ltd (8226)?
KOALA Financial Group Ltd reported trailing-twelve-month revenue of about HK$18.7M (latest available figure, as of Sep 29, 2026).
What is the intrinsic value of KOALA Financial Group Ltd (8226)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For KOALA Financial Group Ltd it is HK$0.1853 per share (as of Sep 29, 2026), against a price of HK$0.1010. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is KOALA Financial Group Ltd stock overvalued or undervalued in 2026?
As of Sep 29, 2026, 8226 trades below its calculated fair value: price HK$0.1010, fair value HK$0.1853, a gap of about +83% (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 8226?
No. The price is what the market pays today (HK$0.1010); the fair value is what the company's own numbers justify (HK$0.1853). For KOALA Financial Group Ltd the two are HK$0.0843 per share apart. That gap is exactly why we show both numbers side by side.
How much is KOALA Financial Group Ltd worth?
The market values KOALA Financial Group Ltd at about HK$42.2M (market capitalisation, as of Sep 29, 2026). Per share that is HK$0.1010; our models calculate a fair value of HK$0.1853 per share.
What do the bullish and bearish scenarios say about 8226?
Our models span a range for KOALA Financial Group Ltd: cautious scenario HK$0.1387, base HK$0.1853, optimistic HK$0.2290 per share (as of Sep 29, 2026, price HK$0.1010). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of KOALA Financial Group Ltd (8226)?
Balance-sheet figures for KOALA Financial Group Ltd (as of Sep 29, 2026): return on equity −2.6%. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is 8226 from its 52-week high?
KOALA Financial Group Ltd trades at HK$0.1010, about 20% below its 52-week high of HK$0.1270 and 35% above the low of HK$0.0750 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of HK$0.1853 is for.
Which stocks are comparable to KOALA Financial Group Ltd?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, 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 KOALA Financial Group Ltd stock attractive at the current price?
The data as of Sep 29, 2026: price HK$0.1010, calculated fair value HK$0.1853 (+83%), Quality Score 56/100, from 2 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 8226 calculated?
We run KOALA Financial Group Ltd through 2 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$0.1853, 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. KOALA Financial Group Ltd currently trades 45 % 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 KOALA Financial Group Ltd (8226)?
The closing price on Sep 30, 2026 was HK$0.1010. Our model-based fair value is HK$0.1853, about +83% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with KOALA Financial Group Ltd right now?
The price is below even our cautious bear case (HK$0.1387). 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. Solid quality (56/100) at a price below fair value, the discount is the argument here, not the business quality. 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 KOALA Financial Group Ltd

How large is the market capitalisation of KOALA Financial Group Ltd (8226)?
The market capitalisation of KOALA Financial Group Ltd is HK$42.2M (≈ $5.4M). 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 KOALA Financial Group Ltd (8226)?
The price-to-sales ratio of KOALA Financial Group Ltd is 2.14 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of KOALA Financial Group Ltd (8226)?
Earnings per share at KOALA Financial Group Ltd are HK$0.0200. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of KOALA Financial Group Ltd (8226)?
The net margin of KOALA Financial Group Ltd is −49.5% (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 KOALA Financial Group Ltd (8226)?
The return on equity (ROE) of KOALA Financial Group Ltd is −2.6% (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 KOALA Financial Group Ltd (8226)?
On an EBIT basis the return on assets of KOALA Financial Group Ltd is 4.4% (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 KOALA Financial Group Ltd (8226)?
The operating margin of KOALA Financial Group Ltd is −35.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at KOALA Financial Group Ltd (8226)?
Revenue at KOALA Financial Group Ltd is growing −44.5% versus a year earlier (3y avg −6.2%). 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 KOALA Financial Group Ltd (8226)?
Earnings per share at KOALA Financial Group Ltd are growing −93.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does KOALA Financial Group Ltd (8226) generate?
The free cash flow of KOALA Financial Group Ltd is HK$29.1M (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 KOALA Financial Group Ltd (8226) hold?
KOALA Financial Group Ltd holds more cash than debt, HK$121M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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