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Yangzijiang Financial Holding (YF8) Fair Value & Analysis

Financial Services · SG · Market cap 733M SGD

YF Yangzijiang Financial Holding YF8 · SG
Price0.2100 SGD
Fair Value0.2800 SGD
Upside+33.3%
Quality43/100
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Evidence: Low Range 0.1800 SGD – 0.3500 SGD

Fair value as of: Jul 4, 2026

From 1 valuation models · updated today

Share price −10.6% over the past month.

Price vs Fair Value (12 months)

1.22 SGD 0.2100 SGD Fair Value 0.2800 SGD Jul 2025 Jul 2026

12‑month range 0.2100 SGD – 1.22 SGD · fair‑value band 0.1800 SGD – 0.3500 SGD · the 0.2100 SGD price screens below the 0.2800 SGD fair value. As of Jul 4, 2026.

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Analysis

Yangzijiang Financial Holding (YF8) currently trades at 0.2100 SGD, while our model-based Fair Value estimate is 0.2800 SGD — implying the stock looks roughly 33.3% undervalued today. We read business quality at 43/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low) — always confirm before acting.

Over the trailing twelve months, Yangzijiang Financial Holding generated revenue of 104M SGD at a net margin of -5.0%. Revenue declined 23.4% year over year. It earns a return on equity of -4.5%. Fundamentals as of Jul 4, 2026

Key figures & financial health

Revenue (TTM) 104M SGD
Revenue growth (YoY) -23.4%
Net margin -5.0%
Return on equity -4.5%
Free cash flow −150M SGD FY2025
Operating margin 89.0%
More key figures
EPS (TTM) -0.0400 SGD
EPS growth (YoY) +30.1%

Figures from reported company fundamentals (EODHD) · as of Jul 4, 2026. TTM = trailing twelve months.

About the company

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.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Yangzijiang Financial Holding 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.

Revenue −32.6%/yr
FY21 446M SGD
FY22 320M SGD
FY23 324M SGD
FY24 125M SGD
FY25 92.0M SGD
Net income
FY21 327M SGD
FY22 162M SGD
FY23 202M SGD
FY24 305M SGD
FY25 −5.2M SGD

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Frequently asked questions

Is Yangzijiang Financial Holding (YF8) undervalued?
As of Jul 4, 2026, our model estimates a fair value of 0.2800 SGD versus a price of 0.2100 SGD — about +33% (undervalued). Model-based estimate, not financial advice.
What is the fair value of YF8?
Our model-based fair value for Yangzijiang Financial Holding is 0.2800 SGD (as of Jul 4, 2026), built from audited fundamentals. The current price is 0.2100 SGD.
What is the quality score of YF8?
Yangzijiang Financial Holding has a Quality Score of 43/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Yangzijiang Financial Holding (YF8)?
Yangzijiang Financial Holding reported trailing-twelve-month revenue of about 104M SGD (latest available figure, as of Jul 4, 2026).
What is the net profit margin of YF8?
The net profit margin of Yangzijiang Financial Holding is about -5.0%, meaning it is currently running at a net loss. 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.