Baiying Holdings Group Ltd (8525) fair value: what the stock is really worth
As of Sep 30, 2026: fair value of Baiying Holdings Group Ltd HK$0.89, price HK$0.81, upside +9.9%, quality 67 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$0.2900 – HK$1.00 · fair‑value band HK$0.6600 – HK$1.22 · the HK$0.8100 price screens below the HK$0.8900 fair value. Dashed = 300-day average. As of Sep 27, 2026.
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Baiying Holdings Group Limited, an investment holding company, engages in the provision of equipment-based financing solutions to small and medium-sized enterprises, individual entrepreneurs, and large enterprises in the People's Republic of China. It operates through the Financial Services, and Packaging and Paper Products Trading segments.
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Baiying Holdings Group Limited, an investment holding company, engages in the provision of equipment-based financing solutions to small and medium-sized enterprises, individual entrepreneurs, and large enterprises in the People's Republic of China. It operates through the Financial Services, and Packaging and Paper Products Trading segments. The company primarily offers finance leasing services, including direct finance leasing and sale-leaseback services; and commercial factoring services. It also trades in packaging and paper products. The company was formerly known as Byleasing Holdings Limited and changed its name to Baiying Holdings Group Limited in June 2020. Baiying Holdings Group Limited was founded in 2010 and is headquartered in Xiamen, the People's Republic of China.
Stock analysis
Baiying Holdings Group Ltd (8525) currently trades at HK$0.8100, while our model-based Fair Value estimate is HK$0.8900, so the stock looks roughly fairly valued today (gap 9.0%).
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Valuation
Bull case: the DCF Models group reads highest at a median of HK$0.9300 per share, and 5 of the 11 models we run sit above the HK$0.8100 price.
Bear case: the Earnings-Based group reads lowest at HK$0.3300, and 6 of the 11 models stay below the price. Evidence for this calculation is low.
Scenario range: HK$0.6600 (bear) to HK$1.22 (bull), the price of HK$0.8100 sits inside 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 67/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Baiying Holdings Group Ltd reported revenue of 46.5M CNY in FY2025 versus 36.6M CNY in FY2021, a compound +6.2%/yr. Reported net income was 7.0M CNY in FY2025.
Key figures
Market cap HK$219M (≈ $27.9M) · P/E ratio 10.6 · P/S ratio 1.59 · EPS (TTM) HK$0.0600 · Net margin 15.0% · Return on equity 8.0% · Return on assets (EBIT) −1.2% · Operating margin 34.4%.
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 10% below its 52-week high and 43% 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 10%, 8525 screens richer than that median.
Fair Value models
Bear HK$0.6600Fair Value HK$0.8900Bull HK$1.22
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$0.0450 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.
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.83/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+6.4%
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.
+20.6%
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.
+8.8%
Start year 2020 (pandemic)
Revenue growth 9 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.
+6.8%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−11.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year−11.4%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−11.4% vs −7.3%, slowing
Profit margin 2020 to 2025 ⓘ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% → 35%
Start year 2020 (pandemic)
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).
−11.3%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in CNY, China: IMF forecast 1.7% a year to 2030, 1.4% from 2016 to 2025) that is about −12.8% a year for the price.
Compare Baiying Holdings Group Ltd with another stock
Price, fair value, quality and upside side by side.
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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 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score69 · Top 25%
Fair Value upside+9.9% · Below median
Profitability
Return on equity (TTM)8.0% · Below median
Return on assets5.1% · Top 25%
Net margin (TTM)17.0% · Below median
Operating margin (TTM)34.4% · Above median
Growth and dividend
Revenue growth74.8% · Top 25%
Balance sheet
Debt / equity0.21× · Below median
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). "Baiying Holdings Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/8525
Frequently asked questions
Is Baiying Holdings Group Ltd (8525) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of HK$0.8900 versus a price of HK$0.8100, about +10% upside (fairly valued).
What is the fair value of 8525?
Our model-based fair value for Baiying Holdings Group Ltd is HK$0.8900 (as of Sep 27, 2026), built from audited fundamentals. The current price: HK$0.8100.
What is the quality score of 8525?
Baiying Holdings Group Ltd has a Quality Score of 67/100. 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 Baiying Holdings Group Ltd (8525)?
Our model-based price target is the fair value of HK$0.8900 (as of Sep 27, 2026) from 11 valuation models. Cautious scenario HK$0.6600, optimistic scenario HK$1.22. It is a calculation from audited fundamentals, not an analyst target.
What is the Baiying Holdings Group Ltd stock forecast for 2026?
Our models put fair value at HK$0.8900, about +10% upside versus a price of HK$0.8100 (fairly valued). Cautious scenario HK$0.6600, optimistic scenario HK$1.22. The calculation is refreshed regularly with new filings.
What is the revenue of Baiying Holdings Group Ltd (8525)?
Baiying Holdings Group Ltd reported trailing-twelve-month revenue of about 42.0M CNY (latest available figure, as of Sep 27, 2026).
What growth is priced into Baiying Holdings Group Ltd (8525)?
For today's price to be fair in a discounted-cash-flow model, Baiying Holdings Group Ltd would have to grow free cash flow by -11.3 % per year for five years (discount rate 9.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +8.8 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of 8525 use?
Our models discount Baiying Holdings Group Ltd at 9.1 %: a base by market capitalisation (nano), damped by beta 0.53, 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 Baiying Holdings Group Ltd that is -11.3 % per year a year over ten years, using the same discount rate (9.1 %) and the same formula as our fair value.
How much growth has Baiying Holdings Group Ltd (8525) delivered so far?
Over the past 5 years revenue at Baiying Holdings Group Ltd grew +8.8 % a year. The price currently implies -11.3 % 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 Baiying Holdings Group Ltd (8525) growing?
The median revenue growth in the sector is +9.1 % a year. That is the yardstick for the growth priced into Baiying Holdings Group Ltd (-11.3 % 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 Baiying Holdings Group Ltd (8525)?
The free-cash-flow yield on the price is 15.99 %: that much free cash flow Baiying Holdings Group Ltd produces per unit of market value. When it exceeds the discount rate of our models (9.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Baiying Holdings Group Ltd (8525)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Baiying Holdings Group Ltd it is HK$0.8900 per share (as of Sep 27, 2026), against a price of HK$0.8100. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Baiying Holdings Group Ltd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 8525 trades below its calculated fair value: price HK$0.8100, fair value HK$0.8900, a gap of about +10% (fairly valued). 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 8525?
No. The price is what the market pays today (HK$0.8100); the fair value is what the company's own numbers justify (HK$0.8900). For Baiying Holdings Group Ltd the two are HK$0.0800 per share apart. That gap is exactly why we show both numbers side by side.
How much is Baiying Holdings Group Ltd worth?
The market values Baiying Holdings Group Ltd at about HK$219M (market capitalisation, as of Sep 27, 2026). Per share that is HK$0.8100; our models calculate a fair value of HK$0.8900 per share.
What do the bullish and bearish scenarios say about 8525?
Our models span a range for Baiying Holdings Group Ltd: cautious scenario HK$0.6600, base HK$0.8900, optimistic HK$1.22 per share (as of Sep 27, 2026, price HK$0.8100). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 8525?
Baiying Holdings Group Ltd trades at a price-to-earnings ratio of 10.6 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of HK$0.8900 is built from several models across several years. Other multiples: P/B 0.7, P/S 4.4, EV/EBITDA 12.5.
How solid is the balance sheet of Baiying Holdings Group Ltd (8525)?
Balance-sheet figures for Baiying Holdings Group Ltd (as of Sep 27, 2026): return on equity 8.0%, debt of 0.21 per unit of equity. They feed the Quality Score of 67/100, which measures business quality independently of the share price.
How far is 8525 from its 52-week high?
Baiying Holdings Group Ltd trades at HK$0.8100, about 10% below its 52-week high of HK$0.9000 and 43% above the low of HK$0.5650 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of HK$0.8900 is for.
Which stocks are comparable to Baiying Holdings Group 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 Baiying Holdings Group Ltd stock attractive at the current price?
The data as of Sep 27, 2026: price HK$0.8100, calculated fair value HK$0.8900 (+10%), Quality Score 67/100, from 11 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 8525 calculated?
We run Baiying Holdings Group Ltd through 11 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$0.8900, 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. Baiying Holdings Group Ltd currently trades 9 % 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 Baiying Holdings Group Ltd (8525)?
The closing price on Sep 30, 2026 was HK$0.8100. Our model-based fair value is HK$0.8900, about +10% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Baiying Holdings Group Ltd right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range (HK$0.6600 to HK$1.22) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 Baiying Holdings Group Ltd
How large is the market capitalisation of Baiying Holdings Group Ltd (8525)?
The market capitalisation of Baiying Holdings Group Ltd is HK$219M (≈ $27.9M). 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 Baiying Holdings Group Ltd (8525)?
The price-to-sales ratio of Baiying Holdings Group Ltd is 1.59 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Baiying Holdings Group Ltd (8525)?
Earnings per share at Baiying Holdings Group Ltd are HK$0.0600 (price ÷ EPS = P/E 10.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Baiying Holdings Group Ltd (8525)?
The net margin of Baiying Holdings Group Ltd is 15.0% (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 Baiying Holdings Group Ltd (8525)?
The return on equity (ROE) of Baiying Holdings Group Ltd is 8.0% (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 Baiying Holdings Group Ltd (8525)?
On an EBIT basis the return on assets of Baiying Holdings Group Ltd is −1.2% (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 Baiying Holdings Group Ltd (8525)?
The operating margin of Baiying Holdings Group Ltd is 34.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Baiying Holdings Group Ltd (8525)?
Revenue at Baiying Holdings Group Ltd is growing +74.8% versus a year earlier (3y avg +20.6%). 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 Baiying Holdings Group Ltd (8525)?
Earnings per share at Baiying Holdings Group Ltd are growing −55.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Baiying Holdings Group Ltd (8525) carry?
The net debt of Baiying Holdings Group Ltd is 59.0M CNY (fiscal year 2025, ≈ 2.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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