Quanzhou Huixin Micro-credit Co Ltd

Chart & Performance

D1W1MN

P/E

7.09

P/S

4.06

EPS

0.10

Div Yield, %

6.94%

Shrs. gr., 5y

—

Rev. gr., 5y

-5.29%

Revenues

113m

-11.88%

Net income

65m

+6.78%

CFO

68m

-68.58%

Dividend

Jun 13, 20240.054967 HKD/sh

Earnings

Jun 06, 2025

Profile

Quanzhou Huixin Micro-credit Co., Ltd., a microfinance company, provides various short-term financing solutions in the People's Republic of China. It offers revolving credit facilities, joint-guaranteed loans, targeted payment loans, bridge loans, and collateralized quick-access loans. The company serves entrepreneurial individuals, small and medium-sized enterprises, and microenterprises. It also provides investment advisory and consulting, information technology advisory, financial leasing, and estate brokerage services; and wholesales building materials. The company was incorporated in 2010 and is headquartered in Quanzhou, the People's Republic of China.

URL

http://www.qzhuixin.net/

IPO date

Sep 30, 2016

Employees

Domiciled in

Incorporated in

Valuation

Order:

Title CNY in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title CNY in thousands, except ratios and share amounts	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12	2014‑12
Income
Revenues	113,181 -11.88%	128,433 -2.31%	131,465 -21.12%
Cost of revenue		24,517	25,464
Unusual Expense (Income)
NOPBT	113,181	103,916	106,001
NOPBT Margin	100.00%	80.91%	80.63%
Operating Taxes	23,379	23,199	20,246
Tax Rate	20.66%	22.32%	19.10%
NOPAT	89,802	80,717	85,755
Net income	64,815 6.78%	60,700 -2.03%	61,957 50.76%
Dividends	(34,000)	(34,000)	(34,000)
Dividend yield
Proceeds from repurchase of equity
BB yield
Debt
Debt current
Long-term debt		40,110	107,704
Deferred revenue
Other long-term liabilities		(40,110)	(107,704)
Net debt	(361,158)	(424,214)	(219,534)
Cash flow
Cash from operating activities	67,608	215,189	43,475
CAPEX	(258)	(1,622)	(4,554)
Cash from investing activities	(9,355)	(1,583)	(3,169)
Cash from financing activities	(77,845)	(111,489)	(31,047)
FCF	76,236	82,996	81,711
Balance
Cash	111,485	146,269	43,498
Long term investments	249,673	318,056	283,741
Excess cash	355,499	457,903	320,666
Stockholders' equity	1,287,951	1,076,353	1,049,389
Invested Capital	947,379	853,877	1,030,356
ROIC	9.97%	8.57%	8.88%
ROCE	8.69%	7.92%	7.85%
EV
Common stock shares outstanding	680,000	680,000	680,000
Price
Market cap
EV
EBITDA	116,548	107,367	108,659
EV/EBITDA
Interest	800	2,904	2,094
Interest/NOPBT	0.71%	2.79%	1.98%