8525 (8525) Fair Value & Analysis

Financial Services · Market cap HK$230M

8 8525 8525 · HK

PriceHK$0.8500

Fair ValueHK$0.7100

Upside-16.5%

Quality64/100

Watch 8525 for free — get notified when fair value or trend changes. Watch for free

Evidence: High Range HK$0.5800 – HK$0.7100

Fair value as of: Jul 3, 2026

From 24 valuation models · updated today

Price vs Fair Value (12 months)

12‑month range HK$0.8500 – HK$0.8500 · fair‑value band HK$0.5800 – HK$0.7100 · the HK$0.8500 price screens above the HK$0.7100 fair value. As of Jul 3, 2026.

✦ Which stocks are undervalued right now? Check free Discover now →

Analysis

8525 (8525) currently trades at HK$0.8500, while our model-based Fair Value estimate is HK$0.7100 — implying the stock looks roughly 16.5% 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: high).

Over the trailing twelve months, 8525 generated revenue of HK$42.0M at a net margin of 17.0%. Revenue grew 74.8% year over year. It earns a return on equity of 8.0%. Net debt stands at HK$59.0M. Fundamentals as of Jul 3, 2026

Key figures & financial health

Revenue (TTM) HK$42.0M

Revenue growth (YoY) +74.8%

Net margin 17.0%

Return on equity 8.0%

Free cash flow HK$29.9M FY2025

P/E ratio 10.6

More key figures

Operating margin 34.4%

EPS (TTM) HK$0.0600

EPS growth (YoY) -55.4%

Net debt HK$59.0M FY2025

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

8525 reported revenue of HK$46.5M in FY2025 versus HK$36.6M in FY2021, a compound +6.2%/yr. Reported net income was HK$7.0M in FY2025.

Revenue +6.2%/yr

FY21 HK$36.6M

FY22 HK$26.5M

FY23 HK$35.9M

FY24 HK$43.7M

FY25 HK$46.5M

Net income

FY21 −HK$7.1M

FY22 −HK$26.3M

FY23 −HK$16.2M

FY24 −HK$17.4M

FY25 HK$7.0M

Is 8525 fairly valued? → Check now

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%

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks Technology Financial Services Healthcare Consumer Cyclical Consumer Defensive Communication Services Industrials Energy Basic Materials Real Estate Utilities Deeply Undervalued Stocks Undervalued Blue-Chip Stocks Undervalued Small-Cap Stocks

Frequently asked questions

Is 8525 (8525) undervalued?

As of Jul 3, 2026, our model estimates a fair value of HK$0.7100 versus a price of HK$0.8500 — about −16% (overvalued). Model-based estimate, not financial advice.

What is the fair value of 8525?

Our model-based fair value for 8525 is HK$0.7100 (as of Jul 3, 2026), built from audited fundamentals. The current price is HK$0.8500.

What is the quality score of 8525?

8525 has a Quality Score of 64/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

What is the revenue of 8525 (8525)?

8525 reported trailing-twelve-month revenue of about HK$42.0M (latest available figure, as of Jul 3, 2026).

What is the net profit margin of 8525?

The net profit margin of 8525 is about 17.0%, meaning it keeps roughly 17.0% of revenue as net income. 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.