Summary
77 / 100 · Bulios Score
What speaks for it
- Earnings per share grew by 31% a year over the last 3 years.
- The share price is below the Bulios Fair Price.
- It bought back its own shares for ¥734.0M in the last fiscal year, 324% of its market value.
What to watch
- It missed profit estimates 4 times in the last 8 quarters.
Bulios Scoring describes a company's quality and track record, not its future return. A high score is not a buy signal. Learn more
Score in detailPrice
Is it expensive?
Looks cheapBulios Fair Price is an estimate of a stock's fair value from the Bulios valuation model. It is an input for your own analysis, not investment advice. How does it work?
Today you pay 0.4 CNY for 1 CNY of yearly profit.
Valuation in detailIs it growing?
Yes, fastRevenue (CNY)
Diluted EPS (CNY)
- Analyst estimate
Revenue grew by 47% a year over the last 3 years. Earnings per share grew by 31% a year over the last 3 years.
Growth in detailDoes it make money?
ReasonablyWhere 100 CNY of revenue goes
- Cost of sales 36 CNY
- Sales and administration 51 CNY
- Taxes and other 2.8 CNY
- Net profit 10 CNY
Net profit, industry median (Financial - Credit Services) 16 CNY
Out of every 100 CNY of revenue, 10 CNY is left as net profit.
Profitability in detailIs it financially healthy?
Banks and insurers work with their customers' money, so their debt is judged differently; see the health section for their capital figures.
Financial health in detailDoes it pay a dividend?
High, safe- Yield
- 11.00%
- Paid out of profit
- 4.4%
- Raised in a row
- 1 year
You receive $0.56 per share a year. The company covers the payout with ease.
Dividends in detailWhat do analysts expect?
No coverageNo analyst covers this stock.
Analysts in detailWhat does it earn on?
Fiscal year 2025By product
- Xiaoying Credit Loan 49%
- Loan Facilitation Service 27%
- Financial Service 9.8%
- Service, Other 4.8%
- Other service 4.6%
- Other 4.5%
By region
The company reports no revenue by region.
Xiaoying Credit Loan brings in 49% of revenue. Other service grew fastest, by 81% a year.
Segments in detail