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Haosen Fintech Group Limited

Haosen Fintech Group Limited

HHKEX:3848
2.11
HKD
0.00
(0.00%)
1.75BMarket Cap
Haosen Fintech Group Limited
HKEX:3848
(Hong Kong Exchange)

Recent

price

2.11

P/E

ratio

- -

div

yld

- -

ROIC.AI

2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
CNY
0.05
0.07
0.1
0.16
0.12
0.26
0.23
0.16
0.14
0.14
0.14
0.12
- -
Revenue per Share
0.03
0.03
0.04
0.04
0.03
0.05
-0.14
0.04
0.03
0.03
0.01
0.01
- -
Basic EPS, GAAP
-0.16
-0.53
0.12
-0.78
0.32
0.06
0.67
0.61
0.04
-0.08
0.02
0.07
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
0.02
0.01
0.02
- -
- -
- -
- -
- -
Dividend per Share
0.33
0.37
0.42
0.68
0.7
0.79
0.65
0.69
0.71
0.73
0.74
0.75
0.75
Book Value per Share
0.33
0.37
0.42
0.68
0.7
0.78
0.64
0.69
0.71
0.73
0.74
0.75
0.75
Tangible Book Value per Share
720
720
720
621
720
759
778
781
783
783
782
782
782
Basic Weighted Avg Shares
36
53
71
97
83
197
176
123
111
113
107
92
- -
Sales/Revenue/Turnover
80.48
85.3
59.22
75.39
77.89
66.4
-52.61
55.08
39
21.22
3.99
9.08
- -
Operating Margin (%)
1
1
1
- -
1
5
4
3
2
2
2
2
- -
Depreciation Expense
22
25
30
26
24
36
-112
31
24
23
6
6
- -
Net Income, GAAP
25.89
27.87
29.98
33.59
31.45
37.12
- -
30.39
31.02
14.65
139.94
75.96
- -
Effective Tax Rate (%)
62.15
46.28
41.47
27.32
28.47
18.45
-63.4
24.87
21.8
20.44
5.23
6.03
- -
Profit Margin (%)
180
95
228
371
703
865
545
237
186
128
285
361
361
Working Capital
25
259
261
551
481
423
160
79
- -
2
3
2
2
LT Debt
240
264
299
487
676
794
674
541
554
574
581
587
587
Total Equity
- -
7.28
4.63
5.28
3.37
5.17
- -
4.66
4.12
3.33
-0.38
0.33
- -
Return on Invested Capital (%)
- -
7.02
6.12
5.46
3.6
4.56
- -
2.84
4.48
3.44
0.64
0.83
- -
Return on Capital (%)
- -
9.82
10.5
6.72
4.78
6.48
-19.94
5.86
4.4
4.11
0.97
0.95
- -
Return on Common Equity (%)

Capital Structure

CNY

•

in mil. unless spec.
Dec'24
Jun'25
Dec'25
ST Debt
172
171
128
LT Borrowings
- -
- -
- -
LT Finance Leases
3
2
2
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
782
782
782
Market Capitalization
926
1,607
1,577

Working Capital

CNY

•

in mil. unless spec.
Dec'24
Jun'25
Dec'25
Total Current Assets
504
481
533
Cash, Cash Equivalents & STI
32
12
31
Accounts Receivable, Net
- -
2
3
Inventories
- -
- -
- -
Total Current Liabilities
219
211
172
Payables & Accruals
- -
- -
- -
ST Debt
172
171
128
Deferred Revenue
- -
- -
- -

Growth Rates

CNY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.57%
-2.31%
0.89%
Free Cash Flow
-32.53%
-73.42%
191.63%
Net Income, GAAP
-58.5%
-45.79%
-0.7%
Sales/Revenue/Turnover
12.41%
-11.41%
-13.99%
Total Cash Common Dividend
- -
16.9%
3.85%

Semi-annual Revenue

CNY

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
113
2024
- -
- -
107
2025
- -
- -
92

Semi-annual Earnings Per Share

CNY

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
0.03
2024
- -
- -
0.01
2025
- -
- -
0.01

Semi-annual Dividends Per Share

CNY

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
- -
2024
- -
- -
- -
2025
- -
- -
- -
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Business
Haosen Fintech Group Limited Haosen Fintech Group Limited (3848.HK), an investment holding company incorporated in the Cayman Islands in 2015 and headquartered at Room 3402, 34/F, China Resources Building, 26 Harbour Road, Wanchai, Hong Kong, provides financial services principally in the People's Republic of China and Hong Kong. The company operates through three segments offering finance lease and factoring related services, including direct finance leasing, sale and leaseback, factoring, and related advisory services primarily to customers in manufacturing, telecommunication, information technology, healthcare, and hospitality industries; micro credit and loan facilitation related services, encompassing small loans, unsecured micro-credit loans to individuals and corporates, subordinated property mortgage loans, guaranteed loans, post-loan facilitation, and interest income from loans with terms ranging from 2 months to 8 years at effective rates of 8.0% to 24.0% per annum, mainly through its wholly-owned subsidiary Shenzhen Haosen Credit Joint Stock Limited targeting manufacturing, wholesale, retail, construction, and transportation sectors; and securities dealing and broking and other financial services, such as securities brokerage, share placing, margin financing, asset management, investment advisory, and money lending in Hong Kong via Grand Partners Securities Limited. Its customer base includes small and medium-sized enterprises, individuals, and niche markets like airline companies, healthcare providers, and energy-saving equipment firms, with loan receivables secured by real estate, equipment, vehicles, and pledges. Formerly known as Wealthy Way Group Limited, the company changed its name to Haosen Fintech Group Limited in August 2023; repurchased and cancelled 126,000 ordinary shares under a buyback plan announced in October 2024 at prices ranging from HK$2.76 to HK$2.99; extended maturity dates on certain loans and leases, including a HK$9 million unsecured loan to March 2025; shifted strategic focus to small loan business, particularly second mortgages in Shenzhen amid real estate market adjustments; and reported revenue of RMB107.3 million for the year ended December 31, 2024, with small loans contributing 98.8%.