5R

VCREDIT Holdings Limited

5R6 · F · Financial Services / Credit Services

0.114EUR+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close0.114
Open0.114
Day Range0.114 – 0.114
52-Week Range0.041 – 0.3401
Volume0
Market Cap57.21M
P/E (TTM)0.00
Forward P/E1.63
EPS-0.21
Dividend Yield24.16%
Beta0.00
50-Day Avg0.0951
200-Day Avg0.1381

About

VCREDIT Holdings Limited, an investment holding company, provides technology-driven consumer financial services to prime and near-prime borrowers in the People's Republic of China and Hong Kong. The company offers credit card balance transfer and consumption credit products. It also provides money lending, business process outsourcing, loan facilitation, microcredit, technology, guarantee, consulting, asset management, advertising agency, cross-border agency, and other financial services. The company was formerly known as Vision Capital Group Limited and changed its name to VCREDIT Holdings Limited in February 2018. VCREDIT Holdings Limited was founded in 2006 and is headquartered in Hong Kong, Hong Kong.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Sai Wang Liu
  • Employees580
  • HeadquartersTwo Pacific Place, Hong Kong, Hong Kong, Germany
  • Websitehttps://www.vcredit.com

Leadership

  • Mr. Ting Hung MaExecutive Chairman of the Board · b. 1963
  • Mr. Sai Wang LiuCEO & Executive Director · b. 1967
  • Mr. Sai Keung LiuCOO & Executive Director · b. 1973
  • Ms. Lan XueExecutive Director · b. 1965
  • Ms. Hong BaiChief Financial Officer · b. 1975
  • Mr. Hongzhe ShiChief Technology Officer · b. 1979
  • Fei Fern WangDirector of Investor Relations
  • Mr. Rui YuChief Marketing Officer · b. 1977
  • Mr. Jiafang JinChief Strategy Officer · b. 1978
  • Mr. Yisheng GongChief Risk Officer · b. 1975

Financials

Income Statement

Currency: CNY2021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.97B1.24B1.47B1.51B361.85M
Growth (%)--36.91%+18.31%+2.66%-75.99%
Net Income1.18B532.47M453.91M478.17M-559.81M
Net Income Margin59.96%42.91%30.92%31.73%-154.71%
Interest Expense593.92M531.03M331.34M347.93M296.91M
Interest Expense % of Total Revenue30.20%42.79%22.57%23.09%82.06%

Balance Sheet

Currency: CNY2021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets11.28B10.10B11.93B11.71B9.33B
Total Liabilities7.88B6.28B7.77B7.10B5.38B
Total Equity3.39B3.82B4.17B4.61B3.95B
Cash2.45B2.13B1.64B2.15B1.98B
Net Debt4.54B2.38B3.92B3.13B1.05B

Cash Flow

Currency: CNY2021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-1.02B3.04B-1.34B1.46B2.57B
Capital Expenditure25.62M32.90M24.96M41.45M32.93M
Free Cash Flow-1.04B3.01B-1.37B1.42B2.54B
Dividends Paid80.75M105.20M110.89M45.33M111.46M
FCF to OCF102.52%98.92%101.86%97.17%98.72%
Dividend Paid to FCF-7.74%3.50%-8.10%3.19%4.39%

Key Statistics & Ratios

Market Cap57.21M
Enterprise Value-1.04B
Trailing P/E0.00
Forward P/E1.63
Price / Sales0.08
Price / Book0.11
EPS-0.21
Book Value1.06
Revenue (TTM)759.50M
Gross Profit (TTM)-347.39M
Profit Margin-100.39%
Operating Margin12.07%
Return on Equity-17.56%
Return on Assets-7.65%
Shares Outstanding484.81M
Shares Float78.91M
Beta0.00
Dividend Yield24.16%
Dividend Rate0.03
Payout Ratio15.62%

Dividends

20252×
0.01Oct 15, 20250.02Jun 18, 2025
20241×
0.01Jun 19, 2024
20231×
0.02Oct 17, 2023
20222×
0.01Oct 17, 20220.02Jun 21, 2022