Hanhua Financial Holding Co., Ltd.
Hanhua Financial Holding Co., Ltd. Fundamental Analysis
Hanhua Financial Holding Co., Ltd. (3903.HK) shows weak financial fundamentals with a PE ratio of 21.26, profit margin of 7.64%, and ROE of 0.43%. The company generates $0.4B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 41.6/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze 3903.HK's fundamental strength across five key dimensions:
Efficiency Score
Weak3903.HK struggles to generate sufficient returns from assets.
Valuation Score
Excellent3903.HK trades at attractive valuation levels.
Growth Score
Moderate3903.HK shows steady but slowing expansion.
Financial Health Score
Excellent3903.HK maintains a strong and stable balance sheet.
Profitability Score
Moderate3903.HK maintains healthy but balanced margins.
Key Financial Metrics
Is 3903.HK Expensive or Cheap?
P/E Ratio
3903.HK trades at 21.26 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, 3903.HK's PEG of 0.24 indicates potential undervaluation.
Price to Book
The market values Hanhua Financial Holding Co., Ltd. at 0.09 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.00 times EBITDA. This is generally considered low.
How Well Does 3903.HK Make Money?
Net Profit Margin
For every $100 in sales, Hanhua Financial Holding Co., Ltd. keeps $7.64 as profit after all expenses.
Operating Margin
Core operations generate 41.51 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $0.43 in profit for every $100 of shareholder equity.
ROA
Hanhua Financial Holding Co., Ltd. generates $0.24 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Hanhua Financial Holding Co., Ltd. generates strong operating cash flow of $477.16M, reflecting robust business health.
Free Cash Flow
Hanhua Financial Holding Co., Ltd. generates strong free cash flow of $466.56M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $0.10 in free cash annually.
FCF Yield
3903.HK converts 68.90% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
21.26
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.24
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.09
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.62
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.31
vs 25 benchmark
Current Ratio
Current assets to current liabilities
9.45
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.004
vs 25 benchmark
ROA
Return on assets percentage
0.002
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How 3903.HK Stacks Against Its Sector Peers
| Metric | 3903.HK Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 21.26 | 18.56 | Worse (Expensive) |
| ROE | 0.43% | 828.00% | Weak |
| Net Margin | 7.64% | -175.00% (disorted) | Weak |
| Debt/Equity | 0.31 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 9.45 | 663.54 | Strong Liquidity |
| ROA | 0.24% | -21308.00% (disorted) | Weak |
3903.HK outperforms its industry in 2 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Hanhua Financial Holding Co., Ltd.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical