YANGZIJIANG FINANCIAL HOLDING LTD. (YF8) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of YANGZIJIANG FINANCIAL HOLDING LTD. S$0.39, price S$0.19, upside +105.3%, quality 52 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
53‑month range 0.1900 SGD – 1.22 SGD · fair‑value band 0.2900 SGD – 0.4810 SGD · the 0.1900 SGD price screens below the 0.3900 SGD 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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Yangzijiang Financial Holding Ltd., an investment holding company, engages in the investment-related activities in the People's Republic of China and Singapore.
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Yangzijiang Financial Holding Ltd., an investment holding company, engages in the investment-related activities in the People's Republic of China and Singapore. The company offers investment management services, including debt, direct, venture capital, and fund investments; fund management; and wealth management services, as well as investment advisory and micro-finance services. It also engages in ship financing for ship-building project; ship chartering business; facilitation of sales and leaseback of vessels; investment in vessels; and import and export of vessels and related equipment. The company was incorporated in 2021 and is based in Singapore.
Stock analysis
YANGZIJIANG FINANCIAL HOLDING LTD. (YF8) currently trades at 0.1900 SGD, while our model-based Fair Value estimate is 0.3900 SGD, implying the stock looks roughly 51.3% undervalued today.
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Valuation
How firm this estimate is: it rests on 2 models at a data quality of 95/100, which puts the evidence level at low.
Scenario range: 0.2900 SGD (bear) to 0.4810 SGD (bull), the price of 0.1900 SGD 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 52/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
YANGZIJIANG FINANCIAL HOLDING LTD. reported revenue of 92.0M SGD in FY2025 versus 446M SGD in FY2021, a compound −32.6%/yr. Reported net income was −5.2M SGD in FY2025.
Key figures
Market cap 733M SGD (≈ $573M) · P/S ratio 7.07 · EPS (TTM) −0.0400 SGD · Net margin −5.7% · Return on equity −4.5% · Return on assets (EBIT) 2.1% · Operating margin 89.0% · Revenue (TTM) 104M SGD.
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 84% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at 105%, YF8 screens cheaper than that median.
Fair Value models
Bear 0.2900 SGDFair Value 0.3900 SGDBull 0.4810 SGD
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.0/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−26.4%
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.
−34.0%
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.
−26.5%
Start year 2020 (pandemic)
Revenue growth 6 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.
−23.3%
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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.
83.3% (2020) → −223.9% (2025)
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 YANGZIJIANG FINANCIAL HOLDING 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.Asset Management · 657 stocks
Beats the industry median on 4/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score52 · Below median
Fair Value upside+100.3% · Top 25%
Profitability
Return on assets1.8% · Below median
Net margin (TTM)−5.0% · Bottom 25%
Operating margin (TTM)89.0% · Top 25%
Growth and dividend
Revenue growth−23.4% · Bottom 25%
Dividend yield (TTM)17.6% · Top 25%
Valuation Multiplesvs Asset Management 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.
Is YANGZIJIANG FINANCIAL HOLDING LTD. (YF8) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of 0.3900 SGD versus a price of 0.1900 SGD, about +105% upside (undervalued).
What is the fair value of YF8?
Our model-based fair value for YANGZIJIANG FINANCIAL HOLDING LTD. is 0.3900 SGD (as of Sep 27, 2026), built from audited fundamentals. The current price: 0.1900 SGD.
What is the quality score of YF8?
YANGZIJIANG FINANCIAL HOLDING LTD. has a Quality Score of 52/100. 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 YANGZIJIANG FINANCIAL HOLDING LTD. (YF8)?
Our model-based price target is the fair value of 0.3900 SGD (as of Sep 27, 2026) from 2 valuation models. Cautious scenario 0.2900 SGD, optimistic scenario 0.4810 SGD. It is a calculation from audited fundamentals, not an analyst target.
What is the YANGZIJIANG FINANCIAL HOLDING LTD. stock forecast for 2026?
Our models put fair value at 0.3900 SGD, about +105% upside versus a price of 0.1900 SGD (undervalued). Cautious scenario 0.2900 SGD, optimistic scenario 0.4810 SGD. The calculation is refreshed regularly with new filings.
What is the revenue of YANGZIJIANG FINANCIAL HOLDING LTD. (YF8)?
YANGZIJIANG FINANCIAL HOLDING LTD. reported trailing-twelve-month revenue of about 104M SGD (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of YANGZIJIANG FINANCIAL HOLDING LTD. (YF8)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For YANGZIJIANG FINANCIAL HOLDING LTD. it is 0.3900 SGD per share (as of Sep 27, 2026), against a price of 0.1900 SGD. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is YANGZIJIANG FINANCIAL HOLDING LTD. stock overvalued or undervalued in 2026?
As of Sep 27, 2026, YF8 trades below its calculated fair value: price 0.1900 SGD, fair value 0.3900 SGD, a gap of about +105% (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 YF8?
No. The price is what the market pays today (0.1900 SGD); the fair value is what the company's own numbers justify (0.3900 SGD). For YANGZIJIANG FINANCIAL HOLDING LTD. the two are 0.2000 SGD per share apart. That gap is exactly why we show both numbers side by side.
How much is YANGZIJIANG FINANCIAL HOLDING LTD. worth?
The market values YANGZIJIANG FINANCIAL HOLDING LTD. at about 733M SGD (market capitalisation, as of Sep 27, 2026). Per share that is 0.1900 SGD; our models calculate a fair value of 0.3900 SGD per share.
What do the bullish and bearish scenarios say about YF8?
Our models span a range for YANGZIJIANG FINANCIAL HOLDING LTD.: cautious scenario 0.2900 SGD, base 0.3900 SGD, optimistic 0.4810 SGD per share (as of Sep 27, 2026, price 0.1900 SGD). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of YANGZIJIANG FINANCIAL HOLDING LTD. (YF8)?
Balance-sheet figures for YANGZIJIANG FINANCIAL HOLDING LTD. (as of Sep 27, 2026): return on equity −4.5%. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is YF8 from its 52-week high?
YANGZIJIANG FINANCIAL HOLDING LTD. trades at 0.1900 SGD, about 84% below its 52-week high of 1.21 SGD and at the low of 0.1900 SGD (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of 0.3900 SGD is for.
Which stocks are comparable to YANGZIJIANG FINANCIAL HOLDING LTD.?
From the same area (Financial Services) we also value Blackstone Inc, KKR & Co, Brookfield Corporation, Apollo Global Management, 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 YANGZIJIANG FINANCIAL HOLDING LTD. stock attractive at the current price?
The data as of Sep 27, 2026: price 0.1900 SGD, calculated fair value 0.3900 SGD (+105%), Quality Score 52/100, from 2 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 YF8 calculated?
We run YANGZIJIANG FINANCIAL HOLDING LTD. through 2 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 0.3900 SGD, 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 14.5 % above its aggregate fair value. YANGZIJIANG FINANCIAL HOLDING LTD. currently trades 51 % 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 YANGZIJIANG FINANCIAL HOLDING LTD. (YF8)?
The closing price on Oct 2, 2026 was 0.1900 SGD. Our model-based fair value is 0.3900 SGD, about +105% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with YANGZIJIANG FINANCIAL HOLDING LTD. right now?
The price is below even our cautious bear case (0.2900 SGD). 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. Solid quality (52/100) at a price below fair value, the discount is the argument here, not the business quality. 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 YANGZIJIANG FINANCIAL HOLDING LTD.
How large is the market capitalisation of YANGZIJIANG FINANCIAL HOLDING LTD. (YF8)?
The market capitalisation of YANGZIJIANG FINANCIAL HOLDING LTD. is 733M SGD (≈ $573M). 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 YANGZIJIANG FINANCIAL HOLDING LTD. (YF8)?
The price-to-sales ratio of YANGZIJIANG FINANCIAL HOLDING LTD. is 7.07 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of YANGZIJIANG FINANCIAL HOLDING LTD. (YF8)?
Earnings per share at YANGZIJIANG FINANCIAL HOLDING LTD. are −0.0400 SGD. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of YANGZIJIANG FINANCIAL HOLDING LTD. (YF8)?
The net margin of YANGZIJIANG FINANCIAL HOLDING LTD. is −5.7% (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 YANGZIJIANG FINANCIAL HOLDING LTD. (YF8)?
The return on equity (ROE) of YANGZIJIANG FINANCIAL HOLDING LTD. is −4.5% (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 YANGZIJIANG FINANCIAL HOLDING LTD. (YF8)?
On an EBIT basis the return on assets of YANGZIJIANG FINANCIAL HOLDING LTD. is 2.1% (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 YANGZIJIANG FINANCIAL HOLDING LTD. (YF8)?
The operating margin of YANGZIJIANG FINANCIAL HOLDING LTD. is 89.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at YANGZIJIANG FINANCIAL HOLDING LTD. (YF8)?
Revenue at YANGZIJIANG FINANCIAL HOLDING LTD. is growing −23.4% versus a year earlier (3y avg −34.0%). 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 YANGZIJIANG FINANCIAL HOLDING LTD. (YF8)?
Earnings per share at YANGZIJIANG FINANCIAL HOLDING LTD. are growing +30.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does YANGZIJIANG FINANCIAL HOLDING LTD. (YF8) generate?
The free cash flow of YANGZIJIANG FINANCIAL HOLDING LTD. is −150M SGD (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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