Fy Financial Shenzhen Co Ltd (8452) fair value: what the stock is really worth
As of Sep 30, 2026: fair value of Fy Financial Shenzhen Co Ltd HK$0.46, price HK$0.23, upside +100.0%, quality 42 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
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$0.1790 – HK$0.7000 · fair‑value band HK$0.3500 – HK$0.5540 · the HK$0.2280 price screens below the HK$0.4560 fair value. Dashed = 300-day average. As of Sep 27, 2026.
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FY Financial (Shenzhen) Co., Ltd., together with its subsidiaries, provides finance leasing, sale leaseback, factoring, and advisory services in the People's Republic of China. It operates through Financial and Advisory Business, Trading Operation Business, and Energy Storage Business segments.
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FY Financial (Shenzhen) Co., Ltd., together with its subsidiaries, provides finance leasing, sale leaseback, factoring, and advisory services in the People's Republic of China. It operates through Financial and Advisory Business, Trading Operation Business, and Energy Storage Business segments. The Financial and Advisory Business segment offers direct finance leasing, sale-leaseback transactions, factoring, and advisory services. Its Trading Operation Business segment engages in the trading of electronic products. The Energy Storage Business segment trades in energy storage systems; and provides energy storage solutions and services, and general construction services. The company is also involved in the research and development of commercial energy storage systems; customer referral and e-commerce services; supply of medical equipment; investment and asset management activities; tele-communication tower infrastructure business; information transmission, software, and information technology services; and wholesale and retail business. It serves fast moving consumer goods, electronic products, alternative energy, medical, transport, construction, decoration, property development, and machinery parts processing industries; and small-and-medium-sized enterprises. FY Financial (Shenzhen) Co., Ltd. was founded in 2012 and is headquartered in Shenzhen, the People's Republic of China.
Stock analysis
Fy Financial Shenzhen Co Ltd (8452) currently trades at HK$0.2280, while our model-based Fair Value estimate is HK$0.4560, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of HK$0.8600 per share, and 6 of the 6 models we run sit above the HK$0.2280 price.
Bear case: the Earnings-Based group reads lowest at HK$0.3100, and 0 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: HK$0.3500 (bear) to HK$0.5540 (bull), the price of HK$0.2280 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 42/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Spin-off in 2025: revenue and profit before it include the divested business. Growth is measured afresh from 2025.
Fy Financial Shenzhen Co Ltd reported revenue of 76.4M CNY in FY2025 versus 43.1M CNY in FY2021, a compound +15.4%/yr. Reported net income was −42.4M CNY in FY2025.
Key figures
Market cap HK$98.8M (≈ $12.6M) · P/S ratio 1.56 · Net margin −55.5% · Return on equity −11.3% · Return on assets (EBIT) 0.1% · Operating margin −19.5% · Revenue (TTM) 63.4M CNY · Revenue growth (YoY) +90.1%.
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 42% below its 52-week high and 27% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 100%, 8452 screens cheaper than that median.
Fair Value models
Bear HK$0.3500Fair Value HK$0.4560Bull HK$0.5540
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.
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.55/100
Spin-off in 2025: revenue and profit before it include the divested business. Growth is measured afresh from 2025.
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.
−2.7%
Revenue growth 10 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.
+9.9%
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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.
33.6% (2018) → −25.5% (2023)
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
Compare Fy Financial Shenzhen Co 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.Credit Services · 334 stocks
Beats the industry median on 3/7 measures
A mixed picture versus its industry peers.
Valuation
Quality Score43 · Below median
Fair Value upside+100.0% · Top 25%
Profitability
Return on assets−8.9% · Bottom 25%
Net margin (TTM)−68.7% · Bottom 25%
Operating margin (TTM)−19.5% · Bottom 25%
Growth and dividend
Revenue growth90.1% · Top 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Fy Financial Shenzhen Co Ltd Fair Value". https://www.fairvalue-calculator.com/stock/8452
Frequently asked questions
Is Fy Financial Shenzhen Co Ltd (8452) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of HK$0.4560 versus a price of HK$0.2280, about +100% upside (undervalued).
What is the fair value of 8452?
Our model-based fair value for Fy Financial Shenzhen Co Ltd is HK$0.4560 (as of Sep 27, 2026), built from audited fundamentals. The current price: HK$0.2280.
What is the quality score of 8452?
Fy Financial Shenzhen Co Ltd has a Quality Score of 42/100. 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 Fy Financial Shenzhen Co Ltd (8452)?
Our model-based price target is the fair value of HK$0.4560 (as of Sep 27, 2026) from 6 valuation models. Cautious scenario HK$0.3500, optimistic scenario HK$0.5540. It is a calculation from audited fundamentals, not an analyst target.
What is the Fy Financial Shenzhen Co Ltd stock forecast for 2026?
Our models put fair value at HK$0.4560, about +100% upside versus a price of HK$0.2280 (undervalued). Cautious scenario HK$0.3500, optimistic scenario HK$0.5540. The calculation is refreshed regularly with new filings.
What is the revenue of Fy Financial Shenzhen Co Ltd (8452)?
Fy Financial Shenzhen Co Ltd reported trailing-twelve-month revenue of about 63.4M CNY (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of Fy Financial Shenzhen Co Ltd (8452)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Fy Financial Shenzhen Co Ltd it is HK$0.4560 per share (as of Sep 27, 2026), against a price of HK$0.2280. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Fy Financial Shenzhen Co Ltd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 8452 trades below its calculated fair value: price HK$0.2280, fair value HK$0.4560, a gap of about +100% (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 8452?
No. The price is what the market pays today (HK$0.2280); the fair value is what the company's own numbers justify (HK$0.4560). For Fy Financial Shenzhen Co Ltd the two are HK$0.2280 per share apart. That gap is exactly why we show both numbers side by side.
How much is Fy Financial Shenzhen Co Ltd worth?
The market values Fy Financial Shenzhen Co Ltd at about HK$98.8M (market capitalisation, as of Sep 27, 2026). Per share that is HK$0.2280; our models calculate a fair value of HK$0.4560 per share.
What do the bullish and bearish scenarios say about 8452?
Our models span a range for Fy Financial Shenzhen Co Ltd: cautious scenario HK$0.3500, base HK$0.4560, optimistic HK$0.5540 per share (as of Sep 27, 2026, price HK$0.2280). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Fy Financial Shenzhen Co Ltd (8452)?
Balance-sheet figures for Fy Financial Shenzhen Co Ltd (as of Sep 27, 2026): return on equity −11.3%. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is 8452 from its 52-week high?
Fy Financial Shenzhen Co Ltd trades at HK$0.2280, about 42% below its 52-week high of HK$0.3950 and 27% above the low of HK$0.1790 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of HK$0.4560 is for.
Which stocks are comparable to Fy Financial Shenzhen Co Ltd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 Fy Financial Shenzhen Co Ltd stock attractive at the current price?
The data as of Sep 27, 2026: price HK$0.2280, calculated fair value HK$0.4560 (+100%), Quality Score 42/100, 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 8452 calculated?
We run Fy Financial Shenzhen Co 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$0.4560, 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. Fy Financial Shenzhen Co Ltd currently trades 50 % 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 Fy Financial Shenzhen Co Ltd (8452)?
The closing price on Sep 30, 2026 was HK$0.2280. Our model-based fair value is HK$0.4560, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Fy Financial Shenzhen Co Ltd right now?
The large discount to fair value meets weak quality (42/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (HK$0.3500). 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. 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 Fy Financial Shenzhen Co Ltd
How large is the market capitalisation of Fy Financial Shenzhen Co Ltd (8452)?
The market capitalisation of Fy Financial Shenzhen Co Ltd is HK$98.8M (≈ $12.6M). 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 Fy Financial Shenzhen Co Ltd (8452)?
The price-to-sales ratio of Fy Financial Shenzhen Co Ltd is 1.56 (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 Fy Financial Shenzhen Co Ltd (8452)?
The net margin of Fy Financial Shenzhen Co Ltd is −55.5% (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 Fy Financial Shenzhen Co Ltd (8452)?
The return on equity (ROE) of Fy Financial Shenzhen Co Ltd is −11.3% (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 Fy Financial Shenzhen Co Ltd (8452)?
On an EBIT basis the return on assets of Fy Financial Shenzhen Co Ltd is 0.1% (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 Fy Financial Shenzhen Co Ltd (8452)?
The operating margin of Fy Financial Shenzhen Co Ltd is −19.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Fy Financial Shenzhen Co Ltd (8452)?
Revenue at Fy Financial Shenzhen Co Ltd is growing +90.1% versus a year earlier (3y avg +37.3%). 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 Fy Financial Shenzhen Co Ltd (8452)?
Earnings per share at Fy Financial Shenzhen Co Ltd are growing −48.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Fy Financial Shenzhen Co Ltd (8452) generate?
The free cash flow of Fy Financial Shenzhen Co Ltd is −77.9K CNY (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 Fy Financial Shenzhen Co Ltd (8452) hold?
Fy Financial Shenzhen Co Ltd holds more cash than debt, 22.0M CNY net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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