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Finet Group Ltd (8317) fair value: what the stock is really worth

As of Sep 30, 2026: fair value of Finet Group Ltd HK$0.10, price HK$0.08, upside +27.2%, quality 55 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
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Industrials · HK · ISIN BMG3445E1333

FG Thin data Sep 27, 2026

Finet Group Ltd

8317 · HK

UndervaluedThe stock appears undervalued with acceptable quality.

✓Fair value HK$0.1030 · Undervalued (+27.2%)
!Quality 55/100
✓Healthy Growth (revenue 5y +5.4 %/yr)
!Thin margins · 0.6% net margin (TTM)
✓Low debt · generates free cash flow
!Mixed vs. peers (6/11)
!Narrow moat 5/100
!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$0.4105 HK$0.0560 Fair Value HK$0.1030 May 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.

How to read this chart

60‑month range HK$0.0560 – HK$0.4105 · fair‑value band HK$0.1030 – HK$0.1264 · the HK$0.0810 price screens below the HK$0.1030 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.

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Company profile

Finet Group Limited, an investment holding company, develops, produces, and provides financial information services, advertising and investor relationship services, and technology solutions to corporate and retail clients in Hong Kong and the People's Republic of China.

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Finet Group Limited, an investment holding company, develops, produces, and provides financial information services, advertising and investor relationship services, and technology solutions to corporate and retail clients in Hong Kong and the People's Republic of China. It operates through Financial Information, Advertising and Investor Relationship Service Business, Securities Business, Talent Search Services Business, and Property Investment Business segments. The company also offers branding promotion and communication services; brokerage, underwriting, and asset management services; and data hosting, financial public relationship and information management, advertising, financial, and value-added telecommunication services. In addition, it is involved in the production and distribution of programs through the FinTV brand name; and property investment business. Additionally, the company provides professional immigration consultancy, document vetting, and submission advisory services. Finet Group Limited was incorporated in 1998 and is headquartered in Wan Chai, Hong Kong. The company operates as a subsidiary of Maxx Capital International Limited.

Stock analysis

Finet Group Ltd (8317) currently trades at HK$0.0810, while our model-based Fair Value estimate is HK$0.1030, implying the stock looks roughly 21.4% undervalued today.

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Valuation

Bull case: the Growth DCF group reads highest at a median of HK$0.3200 per share, and 3 of the 6 models we run sit above the HK$0.0810 price.

Bear case: the Asset-Based group reads lowest at HK$0.0300, and 3 of the 6 models stay below the price. Evidence for this calculation is low.

Scenario range: HK$0.1030 (bear) to HK$0.1264 (bull), the price of HK$0.0810 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 55/100 (solid quality), in the Industrials sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Finet Group Ltd reported revenue of HK$23.3M in FY2026 versus HK$14.3M in FY2022, a compound +13.1%/yr. Reported net income was HK$100K in FY2026.

Key figures

Market cap HK$81.0M (≈ $10.3M) · P/S ratio 3.77 · Net margin 0.4% · Return on equity −3.0% · Return on assets (EBIT) −11.8% · Operating margin −10.7% · Revenue (TTM) HK$18.3M · Revenue growth (YoY) +88.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

What moves the price

The share trades about 36% below its 52-week high and 45% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Industrials peers we cover trades at 1% fair-value upside, at 27%, 8317 screens cheaper than that median.

Fair Value models

Bear HK$0.1030 Fair Value HK$0.1030 Bull HK$0.1264
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. 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
Growth DCF HK$0.2500 HK$0.3200 HK$0.4400 79
Owner Earnings HK$0.0600 HK$0.0700 HK$0.0900 78
5Y P/E Exit HK$0.1100 HK$0.1100 HK$0.1200 72
All 6 models by family
DCF Models
Owner Earnings HK$0.0600 HK$0.0700 HK$0.0900 78
5Y P/E Exit HK$0.1100 HK$0.1100 HK$0.1200 72
10Y P/E Exit HK$0.1600 HK$0.1700 HK$0.1800 65
Asset-Based
NCAV (Graham) HK$0.0200 HK$0.0300 HK$0.0400 54
Growth DCF
Growth DCF HK$0.2500 HK$0.3200 HK$0.4400 79
Economic Profit
Residual Income HK$0.0300 HK$0.0300 HK$0.0300 71

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Quality Score breakdown

Overall quality 55/100

Of which business quality 65 · Market factors (momentum, volatility) 32

Profitability 21
Margins and returns on capital today
Quality Growth 60
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 95
Balance sheet, leverage, solvency risk
Investment 67
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 29
Price trend over the last 3–12 months (market factor)
52W Momentum 18
Distance to the 52-week high (market factor)
Net Issuance 41
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. 70/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+123.7%
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.
+21.9%
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.
+5.4%
Start year 2021 (pandemic). Over 10 years: +7.6% a year
Revenue growth 23 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.
+1.4%
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.
−86.4% (2020) → −86.0% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no profitable base year
not computed

Growth Forecast

Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−27.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Hong Kong: IMF forecast 2.1% a year to 2030, 1.8% from 2016 to 2025) that is about −29.0% a year for the price.

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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.Specialty Business Services · 238 stocks

Beats the industry median on 6/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 59 · Above median
Fair Value upside +27.2% · Above median
Profitability
Return on assets −2.6% · Bottom 25%
Net margin (TTM) 0.6% · Below median
Operating margin (TTM) −10.7% · Bottom 25%
Growth and dividend
Revenue growth 88.5% · Top 25%
Balance sheet
Debt / equity 0.23× · Above median

Valuation Multiplesvs Specialty Business Services median · lower = cheaper

P/B 0.23× · Cheapest 25%
P/S (TTM) 0.56× · Cheaper than median
P/FCF 0.5× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)70 · sector 43
FUTURE (revenue growth)100 · sector 30
PAST (return on equity)0 · sector 36
HEALTH (low debt)88 · sector 92
DIVIDEND (yield)0 · sector 54

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 Specialty Business Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Cintas Corporation CTAS $197.74 $188.06 −5%
Thomson Reuters Corporation TRI $98.99 $70.79 −28%
Copart, Inc CPRT $27.14 $31.02 +14%
Global Payments Inc GPN $83.33 $88.43 +6%
Wolters Kluwer N.V WKL €68.66 €98.05 +43%
Brambles Limited BXB A$18.55 A$18.66 +1%
RB Global, Inc RBA C$116.74 C$128.41 +10%
Aramark ARMK $54.92 $23.06 −58%
UL Solutions Inc ULS $66.05 $33.46 −49%
Rentokil Initial plc RTO $20.64 $19.63 −5%

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HK$0.1030 +21%Fair Value
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Cite: Fair Value Calculator (2026). "Finet Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/8317

Frequently asked questions

Is Finet Group Ltd (8317) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of HK$0.1030 versus a price of HK$0.0810, about +27% upside (undervalued).
What is the fair value of 8317?
Our model-based fair value for Finet Group Ltd is HK$0.1030 (as of Sep 27, 2026), built from audited fundamentals. The current price: HK$0.0810.
What is the quality score of 8317?
Finet Group Ltd 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 Finet Group Ltd (8317)?
Our model-based price target is the fair value of HK$0.1030 (as of Sep 27, 2026) from 6 valuation models. Cautious scenario HK$0.1030, optimistic scenario HK$0.1264. It is a calculation from audited fundamentals, not an analyst target.
What is the Finet Group Ltd stock forecast for 2026?
Our models put fair value at HK$0.1030, about +27% upside versus a price of HK$0.0810 (undervalued). Cautious scenario HK$0.1030, optimistic scenario HK$0.1264. The calculation is refreshed regularly with new filings.
What is the revenue of Finet Group Ltd (8317)?
Finet Group Ltd reported trailing-twelve-month revenue of about HK$18.3M (latest available figure, as of Sep 27, 2026).
What growth is priced into Finet Group Ltd (8317)?
For today's price to be fair in a discounted-cash-flow model, Finet Group Ltd would have to grow free cash flow by -27.5 % per year for five years (discount rate 9.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +5.4 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of 8317 use?
Our models discount Finet Group Ltd at 9.0 %: a base by market capitalisation (nano), damped by beta 0.38, country premium for Hong Kong. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Finet Group Ltd that is -27.5 % per year a year over ten years, using the same discount rate (9.0 %) and the same formula as our fair value.
How much growth has Finet Group Ltd (8317) delivered so far?
Over the past 5 years revenue at Finet Group Ltd grew +5.4 % a year. The price currently implies -27.5 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Finet Group Ltd (8317) growing?
The median revenue growth in the sector is +9.1 % a year. That is the yardstick for the growth priced into Finet Group Ltd (-27.5 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Finet Group Ltd (8317)?
The free-cash-flow yield on the price is 28.05 %: that much free cash flow Finet Group Ltd produces per unit of market value. When it exceeds the discount rate of our models (9.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Finet Group Ltd (8317)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Finet Group Ltd it is HK$0.1030 per share (as of Sep 27, 2026), against a price of HK$0.0810. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Finet Group Ltd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 8317 trades below its calculated fair value: price HK$0.0810, fair value HK$0.1030, a gap of about +27% (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 8317?
No. The price is what the market pays today (HK$0.0810); the fair value is what the company's own numbers justify (HK$0.1030). For Finet Group Ltd the two are HK$0.0220 per share apart. That gap is exactly why we show both numbers side by side.
How much is Finet Group Ltd worth?
The market values Finet Group Ltd at about HK$81.0M (market capitalisation, as of Sep 27, 2026). Per share that is HK$0.0810; our models calculate a fair value of HK$0.1030 per share.
What do the bullish and bearish scenarios say about 8317?
Our models span a range for Finet Group Ltd: cautious scenario HK$0.1030, base HK$0.1030, optimistic HK$0.1264 per share (as of Sep 27, 2026, price HK$0.0810). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Finet Group Ltd (8317)?
Balance-sheet figures for Finet Group Ltd (as of Sep 27, 2026): return on equity −3.0%, debt of 0.23 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is 8317 from its 52-week high?
Finet Group Ltd trades at HK$0.0810, about 36% below its 52-week high of HK$0.1270 and 45% above the low of HK$0.0560 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of HK$0.1030 is for.
Which stocks are comparable to Finet Group Ltd?
From the same area (Industrials) we also value Cintas Corporation, Thomson Reuters Corporation, Copart, Inc, Global Payments Inc, 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 Finet Group Ltd stock attractive at the current price?
The data as of Sep 27, 2026: price HK$0.0810, calculated fair value HK$0.1030 (+27%), Quality Score 55/100, from 6 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 8317 calculated?
We run Finet Group Ltd through 6 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$0.1030, 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. Finet Group Ltd currently trades 21 % 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 Finet Group Ltd (8317)?
The closing price on Sep 30, 2026 was HK$0.0810. Our model-based fair value is HK$0.1030, about +27% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Finet Group Ltd right now?
The price is below even our cautious bear case (HK$0.1030). The market is more pessimistic than our downside scenario. Solid quality (55/100) at a price below fair value, the discount is the argument here, not the business quality. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.

Key figures of Finet Group Ltd

How large is the market capitalisation of Finet Group Ltd (8317)?
The market capitalisation of Finet Group Ltd is HK$81.0M (≈ $10.3M). 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 Finet Group Ltd (8317)?
The price-to-sales ratio of Finet Group Ltd is 3.77 (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 Finet Group Ltd (8317)?
The net margin of Finet Group Ltd is 0.4% (fiscal year 2026). 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 Finet Group Ltd (8317)?
The return on equity (ROE) of Finet Group Ltd is −3.0% (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 Finet Group Ltd (8317)?
On an EBIT basis the return on assets of Finet Group Ltd is −11.8% (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 Finet Group Ltd (8317)?
The operating margin of Finet Group Ltd is −10.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Finet Group Ltd (8317)?
Revenue at Finet Group Ltd is growing +88.5% versus a year earlier (3y avg +21.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much net cash does Finet Group Ltd (8317) hold?
Finet Group Ltd holds more cash than debt, HK$18.0M net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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