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XHKG
2003
Market cap252mUSD
May 09, Last price  
4.01HKD
1D
-0.25%
1Q
61.04%
IPO
-80.95%
Name

VCREDIT Holdings Ltd

Chart & Performance

D1W1MN
P/E
3.81
P/S
0.67
EPS
0.98
Div Yield, %
2.49%
Shrs. gr., 5y
-0.52%
Rev. gr., 5y
20.02%
Revenues
2.73b
-3.80%
596,673,000712,598,000841,941,000-383,050,0001,097,777,000-764,767,0001,965,920,0001,240,889,0002,842,106,0002,734,161,000
Net income
478m
+5.34%
-303,143,000-565,050,000-1,003,133,000-1,026,953,00064,790,000-869,564,0001,179,275,000532,466,000453,906,000478,165,000
CFO
0k
P
-1,060,816,000-2,479,620,000-4,163,479,0003,128,239,000367,619,0005,269,241,000-1,017,949,0003,042,945,000-1,344,871,0000
Dividend
Jun 18, 20250.2 HKD/sh
Earnings
Jun 13, 2025

Profile

VCREDIT Holdings Limited, an investment holding company, provides consumer finance services to prime and near-prime borrowers in China. The company offers credit cards balance transfer and consumption credit products. It also provides loan facilitation, guarantee, micro credit, and financial leasing services, as well as technology services. The company was formerly known as Vision Capital Group Limited and changed its name to VCREDIT Holdings Limited. VCREDIT Holdings Limited was founded in 2006 and is headquartered in Admiralty, Hong Kong.
URL
https://www.vcredit.com/
IPO date
Jun 21, 2018
Employees
809
Domiciled in
HK
Incorporated in
KY

Valuation

Title
CNY in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2024‑122023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
2,734,161
-3.80%
2,842,106
129.04%
1,240,889
-36.88%
Cost of revenue
684,512
390,204
417,701
Unusual Expense (Income)
NOPBT
2,049,649
2,451,902
823,188
NOPBT Margin
74.96%
86.27%
66.34%
Operating Taxes
151,213
143,083
162,649
Tax Rate
7.38%
5.84%
19.76%
NOPAT
1,898,436
2,308,819
660,539
Net income
478,165
5.34%
453,906
-14.75%
532,466
-54.85%
Dividends
(110,888)
(105,203)
Dividend yield
9.93%
7.35%
Proceeds from repurchase of equity
(2,792)
BB yield
0.20%
Debt
Debt current
Long-term debt
2,272,480
4,535,351
Deferred revenue
Other long-term liabilities
4,826,944
(4,535,351)
Net debt
579,062
(1,803,765)
2,144,099
Cash flow
Cash from operating activities
(1,344,871)
3,042,945
CAPEX
(20,747)
(32,896)
Cash from investing activities
70,356
(176,109)
Cash from financing activities
580,516
(3,177,292)
FCF
3,976,108
1,163,063
379,017
Balance
Cash
1,693,418
1,641,686
2,126,837
Long term investments
162,079
264,415
Excess cash
1,556,710
1,661,660
2,329,208
Stockholders' equity
(587,885)
(1,818,962)
(1,513,272)
Invested Capital
12,294,236
13,753,425
11,416,960
ROIC
14.58%
18.35%
5.35%
ROCE
17.51%
20.54%
8.31%
EV
Common stock shares outstanding
489,844
489,960
490,176
Price
1.96
-14.04%
2.28
-21.92%
2.92
-31.29%
Market cap
960,094
-14.06%
1,117,109
-21.95%
1,431,314
-31.57%
EV
1,540,567
(685,961)
3,578,456
EBITDA
2,049,649
2,508,152
876,964
EV/EBITDA
0.75
4.08
Interest
331,343
531,030
Interest/NOPBT
13.51%
64.51%