8239 (8239) Fair Value & Analysis

Financial Services · Market cap HK$1.8B

8 8239 8239 · HK

PriceHK$20.00

Fair ValueHK$9.10

Upside-54.5%

Quality64/100

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Evidence: Medium Range HK$5.30 – HK$15.19

Fair value as of: Jul 3, 2026

From 12 valuation models · updated today

Share price +39.4% over the past month.

Price vs Fair Value (12 months)

12‑month range HK$0.7900 – HK$20.00 · fair‑value band HK$5.30 – HK$15.19 · the HK$20.00 price screens above the HK$9.10 fair value. As of Jul 3, 2026.

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Analysis

8239 (8239) currently trades at HK$20.00, while our model-based Fair Value estimate is HK$9.10 — implying the stock looks roughly 54.5% overvalued today. We read business quality at 64/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).

Over the trailing twelve months, 8239 generated revenue of HK$40.6M at a net margin of -78.7%. Revenue grew 102.4% year over year. It earns a return on equity of -54.6%. The balance sheet holds a net cash position of HK$23.2M. Fundamentals as of Jul 3, 2026

Key figures & financial health

Revenue (TTM) HK$40.6M

Revenue growth (YoY) +102%

Net margin -78.7%

Return on equity -54.6%

Free cash flow HK$27.3M FY2025

Operating margin -34.6%

More key figures

EPS (TTM) HK$-0.0900

Net cash HK$23.2M FY2025

Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

8239 reported revenue of HK$41.8M in FY2025 versus HK$2.2M in FY2021, a compound +109.7%/yr. Reported net income was −HK$31.9M in FY2025.

Revenue +109.7%/yr

FY21 HK$2.2M

FY22 HK$1.5M

FY23 HK$36.2M

FY24 HK$18.9M

FY25 HK$41.8M

Net income

FY21 −HK$19.0M

FY22 −HK$7.6M

FY23 −HK$8.8M

FY24 −HK$16.9M

FY25 −HK$31.9M

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Similar stocks

6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 3, 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$23.85	-17%
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 8239 (8239) undervalued?

As of Jul 3, 2026, our model estimates a fair value of HK$9.10 versus a price of HK$20.00 — about −55% (overvalued). Model-based estimate, not financial advice.

What is the fair value of 8239?

Our model-based fair value for 8239 is HK$9.10 (as of Jul 3, 2026), built from audited fundamentals. The current price is HK$20.00.

What is the quality score of 8239?

8239 has a Quality Score of 64/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

What is the revenue of 8239 (8239)?

8239 reported trailing-twelve-month revenue of about HK$40.6M (latest available figure, as of Jul 3, 2026).

What is the net profit margin of 8239?

The net profit margin of 8239 is about -78.7%, meaning it is currently running at a net loss. 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.