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VCREDIT Holdings Limited (2003.HK)
Admiralty, HK
VCREDIT Holdings Limited functions as an investment holding company, specializing in providing consumer financial services to prime and near-prime borrowers throughout China. Its product portfolio encompasses credit card balance transfers and various consumption credit options. The company also delivers a range of other services, including loan facilitation, guarantee provisions, micro-lending, financial leasing, and technology solutions. Founded in 2006, the firm was originally named Vision Capital Group Limited before changing to VCREDIT Holdings Limited. Its headquarters are situated in Admiralty, Hong Kong.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.93% | -10.83% | -13.71% | -43.09% | -60.07% | -57.20% | -73.71% | -64.33% | -78.64% | -94.77% | -94.77% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Financial - Credit Services: +13.2%-29.9% Q4'25: -86.5% (vs Q4'23)
-
EPS growth Financial - Credit Services: +24.0%-217.4% Q4'25: -612.9% (vs Q4'23)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+11.9% Q4'25: +2,566.7% (vs Q4'23)
-
EBIT margin Financial - Credit Services: +28.7%-19.4% Q4'25: -450.6% (vs Q4'23)
-
ROIC Financial - Credit Services: +5.0%-7.6% Q4'25: -52.9% (vs Q4'23)
-
Share dilution Financial - Credit Services: +0.0%-0.4% ★ Q4'25: -0.2% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×-9.76× Q4'25: -0.99× (vs Q4'23)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
|---|---|---|---|---|---|---|---|---|
| Revenue |
-383.05M
est: 3.12B (-112.3%)
|
1.10B
est: 3.62B (-69.6%)
|
-96.09M
est: 2.90B (-103.3%)
|
2.98B
est: 3.61B (-17.4%)
|
1.77B
est: 3.20B (-44.6%)
|
2.84B
est: 3.31B (-14.1%)
|
2.73B
est: 3.66B (-25.3%)
|
1.92B
est: 3.55B (-46.0%)
|
| EBITDA |
—
est: 591.77M (-100.0%)
|
—
est: -895.07M (+100.0%)
|
—
est: 188.49M (-100.0%)
|
1.56B
est: 216.08M (+624.1%)
|
748.90M
est: 289.52M (+158.7%)
|
—
est: 363.76M (-100.0%)
|
—
est: 573.78M (-100.0%)
|
-313.60M
est: 556.61M (-156.3%)
|
| EBIT |
-31.43M
est: 957.86M (-103.3%)
|
-65.21M
est: 98.89M (-165.9%)
|
-64.93M
est: 121.49M (-153.4%)
|
1.51B
est: 139.27M (+987.3%)
|
695.12M
est: 186.61M (+272.5%)
|
-56.25M
est: 234.46M (-124.0%)
|
-61.73M
est: 486.09M (-112.7%)
|
-371.56M
est: 471.54M (-178.8%)
|
| Net Income |
-1.03B
est: 340.33M (-401.8%)
|
64.79M
est: -999.24M (+106.5%)
|
-869.56M
est: 50.99M (-1,805.4%)
|
1.18B
est: 58.45M (+1,917.5%)
|
532.47M
est: 78.32M (+579.9%)
|
453.91M
est: 98.40M (+361.3%)
|
478.17M
est: 616.32M (-22.4%)
|
-559.81M
est: 506.60M (-210.5%)
|
| SGA |
709.49M
est: -1.58B (+145.0%)
|
537.65M
est: 1.41B (-61.8%)
|
303.47M
est: 1.23B (-75.3%)
|
325.48M
est: 1.41B (-76.9%)
|
319.99M
est: 1.88B (-83.0%)
|
390.20M
est: 2.37B (-83.5%)
|
559.00M
est: 2.99B (-81.3%)
|
605.12M
est: 672.36M (-10.0%)
|
| EPS |
-2.93
est: 0.69 (-521.7%)
|
0.13
est: 0.96 (-86.4%)
|
-1.77
est: -1.64 (-8.0%)
|
2.42
est: 2.48 (-2.3%)
|
1.09
est: 1.24 (-12.4%)
|
0.93
est: 1.14 (-18.4%)
|
0.98
est: 1.26 (-22.4%)
|
-1.15
est: 1.04 (-210.8%)
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-28 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-27 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-22 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-21 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-20 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-19 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-18 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-15 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-14 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-13 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-12 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-11 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-05-08 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 5/5 |
| 2026-05-07 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 5/5 |
| 2026-05-06 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 5/5 |
| 2026-05-05 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 5/5 |
| 2026-05-04 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 5/5 |
| 2026-04-30 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-29 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-28 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-27 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-24 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-23 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-22 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-21 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-20 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-17 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
| 2026-04-16 | C | 2/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Sai Wang Liu | Chief Executive Officer & Executive Director | 23M | male |
| Ting Hung Ma | Executive Chairman of the Board | 21M | male |
| Sai Keung Liu | Chief Operating Officer & Executive Director | 13M | male |
| Lan Xue | Executive Director | 4M | female |
| Rui Yu | Chief Marketing Officer | — | male |
| Fei Fern Wang | Director of Investor Relations | — | — |
| Yisheng Gong | Chief Risk Officer | — | male |
| Hong Bai | Chief Financial Officer | — | female |
| Hongzhe Shi | Chief Technology Officer | — | male |
| Jiafang Jin | Chief Strategy Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for 2003.HK
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
