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Haosen Fintech Group Limited (3848.HK)

HKD11.21 +0.00 (+0.00%)
HK HKSE Financial Services Financial - Credit Services
Address China Resources Building
Wan Chai, HK
CEO Wai Lo
IPO 2017-07-21
ISIN KYG719721063

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Description

Wealthy Way Group Limited operates as an investment holding company, primarily focused on delivering a range of financial services across mainland China and Hong Kong. The firm provides financial leasing, factoring, and advisory solutions to both individuals and corporate clients. Its comprehensive service portfolio extends to offering small loans, facilitating loan processes, and providing asset and investment management (including related advisory services). Additionally, the company engages in securities dealing and broking, alongside various other financial offerings. Further expanding its scope, Wealthy Way provides sale-and-leaseback arrangements, microfinance, and supplementary loan facilitation services, in addition to marketing and direct money lending activities. The company caters to a diverse clientele, which includes aviation companies, healthcare providers, and suppliers of energy-saving equipment. Established in 2012, the group maintains its headquarters in Wanchai, Hong Kong, and functions as a subsidiary of Wealthy Rise Investment Limited.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
HKD11.21 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
23.3K
Beta
-0.20
Float Shares
53.57M
Free Float %
34.2%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% +0.09% +0.18% +0.00% +0.00% -3.11% +85.45% +58.25% +63.08% +63.08%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
11.21
DCF (Unlevered) 7.41 -33.9%
DCF (Levered) 4.53 -59.6%

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.

Quality scores
Altman Z-Score
6.12
Safe zone
Piotroski F-Score
7 / 9
Strong
MOAT Score
3 / 10
No MOAT
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
2 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • Revenue growth Financial - Credit Services: +13.2%
    -16.0% Q4'25: +127.0% (vs Q4'23)
  • EPS growth Financial - Credit Services: +24.0%
    -9.5% Q4'25: -254.9% (vs Q4'23)
  • FCF margin FCF growth · Financial - Credit Services: +70.9%
    -11.9% Q4'25: +173.2% (vs Q4'23)
  • EBIT margin Financial - Credit Services: +28.7%
    +20.0% Q4'25: +5.4% (vs Q4'23)
  • ROIC Financial - Credit Services: +5.0%
    +1.6% Q4'25: +1.3% (vs Q4'23)
  • Share dilution Financial - Credit Services: +0.0%
    +6.9% Q4'25: -8.3% (vs Q4'23)
  • Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×
    6.65× Q4'25: 10.76× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* 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.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (-0.20) × ERP
WACC = 93% × Ke + 7% × Kd (7.8%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 7.41 Current price: 11.21
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 C+ 2/5 3/5 2/5 3/5 3/5 1/5 1/5
2026-05-28 C+ 2/5 3/5 2/5 3/5 3/5 1/5 1/5
2026-05-27 C+ 2/5 3/5 2/5 3/5 3/5 1/5 1/5
2026-05-26 C+ 2/5 3/5 2/5 3/5 3/5 1/5 1/5
2026-05-22 C+ 2/5 3/5 2/5 3/5 3/5 1/5 1/5
2026-05-21 C+ 2/5 3/5 2/5 3/5 3/5 1/5 1/5
2026-05-20 C+ 2/5 3/5 2/5 3/5 3/5 1/5 1/5
2026-05-19 C+ 2/5 3/5 2/5 3/5 3/5 1/5 1/5
2026-05-18 C+ 2/5 3/5 2/5 3/5 3/5 1/5 1/5
2026-05-15 C+ 2/5 3/5 2/5 3/5 3/5 1/5 1/5
2026-05-14 C+ 2/5 3/5 2/5 3/5 3/5 1/5 1/5
2026-05-13 C+ 2/5 3/5 2/5 3/5 3/5 1/5 1/5
2026-05-12 C+ 2/5 3/5 2/5 3/5 3/5 1/5 1/5
2026-05-11 C+ 2/5 3/5 2/5 3/5 3/5 1/5 1/5
2026-05-08 C+ 2/5 3/5 2/5 3/5 3/5 1/5 1/5
2026-05-07 C+ 2/5 3/5 2/5 3/5 3/5 1/5 1/5
2026-05-06 C+ 2/5 3/5 2/5 3/5 3/5 1/5 1/5
2026-05-05 C+ 2/5 3/5 2/5 3/5 3/5 1/5 1/5
2026-05-04 C+ 2/5 3/5 2/5 3/5 3/5 1/5 1/5
2026-04-30 C+ 2/5 3/5 2/5 3/5 2/5 1/5 1/5
2026-04-29 C+ 2/5 3/5 2/5 3/5 2/5 1/5 1/5
2026-04-28 C+ 2/5 3/5 2/5 3/5 2/5 1/5 1/5
2026-04-27 C+ 2/5 3/5 2/5 3/5 2/5 1/5 1/5
2026-04-24 C+ 2/5 3/5 2/5 4/5 2/5 1/5 1/5
2026-04-23 C+ 2/5 3/5 2/5 4/5 2/5 1/5 1/5
2026-04-22 C+ 2/5 3/5 2/5 4/5 2/5 1/5 1/5
2026-04-21 C+ 2/5 3/5 2/5 4/5 2/5 1/5 1/5
2026-04-20 C+ 2/5 3/5 2/5 4/5 2/5 1/5 1/5
2026-04-17 B- 2/5 3/5 2/5 4/5 2/5 1/5 2/5
2026-04-16 B- 2/5 3/5 2/5 4/5 2/5 1/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-32.52M
OE per share TTM
-0.21
Owner's Yield
-1.85%
Maintenance CapEx ratio
9.57%
Maint CapEx / Avg PPE
6.4%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
254.8K
Shares Outstanding
156.42M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Wai Lo Founder, Executive Chairman & Chief Executive Officer 658.1K male
Weiquan Xie Company Secretary 639.7K male
Yumei Shi Head of Accounting & Finance Department - CWW Leasing & CWW Services female
Zhuochou Xie Head of Risk Management Department for CWW Leasing male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits