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Haosen Fintech Group Limited logo

Haosen Fintech Group Limited

3848.HK

HKSEFinancial ServicesFinancial - Credit Services

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Latest quote

HK$2.15

HK$0.00 · 0.00%

Aug 24, 9:33 AM HKT

3848.HK company overview

Historical prices · Market data may be delayed.

Company profile

Company website

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.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
HK
CEO
Wai Lo
Listed since
Jul 21, 2017
Employees
61

Market position

52-week range

Current HK$2.15

Open
HK$2.15
Previous close
HK$2.15
Volume
394K
0.75× average
Average volume
525.97K
Average daily volume
Market cap
1.68B HKD
Beta
-0.2
Market reference 1
50-day average
HK$2.2446
-4.22% below average
200-day average
HK$2.2432
-4.16% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.67B CNY
P/E (TTM)
256×
P/B (TTM)
2.46×
P/S (TTM)
20.82×
EV / EBITDA
85.05×
Earnings yield
0.34%
Free cash flow yield
3.60%
Dividend yield
0.28%

Profitability & efficiency

Gross margin
97.56%
Operating margin
28.37%
Net margin
8.14%
Return on equity
0.92%
Return on assets
0.71%
Return on invested capital
0.57%

Financial health

Debt / equity
0.22×
Current ratio
4.15×
Altman Z-score
6.4
Piotroski F-score
7 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends109%72%34%-4%Gross margin, FY2021: 84.21%Gross margin, FY2022: 97.85%Gross margin, FY2023: 100.00%Gross margin, FY2024: 76.44%Gross margin, FY2025: 96.47%Operating margin, FY2021: 78.70%Operating margin, FY2022: 70.40%Operating margin, FY2023: 65.96%Operating margin, FY2024: 12.01%Operating margin, FY2025: 19.98%Net margin, FY2021: 28.75%Net margin, FY2022: 32.27%Net margin, FY2023: 38.39%Net margin, FY2024: 5.22%Net margin, FY2025: 6.01%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 84.21%. Gross margin FY2022 97.85%. Gross margin FY2023 100.00%. Gross margin FY2024 76.44%. Gross margin FY2025 96.47%. Operating margin FY2021 78.70%. Operating margin FY2022 70.40%. Operating margin FY2023 65.96%. Operating margin FY2024 12.01%. Operating margin FY2025 19.98%. Net margin FY2021 28.75%. Net margin FY2022 32.27%. Net margin FY2023 38.39%. Net margin FY2024 5.22%. Net margin FY2025 6.01%.

Income trends

Revenue

90.25M CNY-16.01%

Operating income

18.03M CNY+39.71%

Net income

5.42M CNY-3.27%
Income trends across reported periods117.66M CNY76.85M CNY36.03M CNY−4.78M CNYRevenue, FY2021: 106.39M CNYRevenue, FY2022: 74.71M CNYRevenue, FY2023: 60.37M CNYRevenue, FY2024: 107.45M CNYRevenue, FY2025: 90.25M CNYOperating income, FY2021: 83.73M CNYOperating income, FY2022: 52.6M CNYOperating income, FY2023: 39.82M CNYOperating income, FY2024: 12.91M CNYOperating income, FY2025: 18.03M CNYNet income, FY2021: 30.58M CNYNet income, FY2022: 24.11M CNYNet income, FY2023: 23.17M CNYNet income, FY2024: 5.61M CNYNet income, FY2025: 5.42M CNYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 106.39M CNY. Revenue FY2022 74.71M CNY. Revenue FY2023 60.37M CNY. Revenue FY2024 107.45M CNY. Revenue FY2025 90.25M CNY. Operating income FY2021 83.73M CNY. Operating income FY2022 52.6M CNY. Operating income FY2023 39.82M CNY. Operating income FY2024 12.91M CNY. Operating income FY2025 18.03M CNY. Net income FY2021 30.58M CNY. Net income FY2022 24.11M CNY. Net income FY2023 23.17M CNY. Net income FY2024 5.61M CNY. Net income FY2025 5.42M CNY.
Metric (CNY)FY2025FY2024FY2023FY2022FY2021
Revenue90.25M CNY107.45M CNY60.37M CNY74.71M CNY106.39M CNY
Cost of goods sold3.19M CNY25.31M CNY−24.84M CNY37.49M CNY33.36M CNY
Gross profit87.07M CNY82.14M CNY60.37M CNY73.11M CNY89.58M CNY
Selling, general, and administrative—69.24M CNY20.55M CNY22.12M CNY22.66M CNY
Operating expenses69.03M CNY69.24M CNY20.55M CNY22.12M CNY21.86M CNY
Interest income89.4M CNY———306K CNY
Interest expense10.18M CNY1.97M CNY1.44M CNY11.03M CNY24.85M CNY
Depreciation and amortization1.59M CNY1.7M CNY2.11M CNY2.48M CNY3M CNY
Operating income18.03M CNY12.91M CNY39.82M CNY52.6M CNY83.73M CNY
Net income5.42M CNY5.61M CNY23.17M CNY24.11M CNY30.58M CNY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
0.01

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates0.070.03-0.01-0.04Q3 '22Q1 '23Q3 '23Q1 '24Q3 '24Q1 '25Q2 '25
Q3 2022, reported Aug 26, 2022: actual 0.024, estimate —, surprise —, Comparison unavailable. Q1 2023, reported Mar 24, 2023: actual 0.011, estimate —, surprise —, Comparison unavailable. Q3 2023, reported Aug 25, 2023: actual 0.028, estimate —, surprise —, Comparison unavailable. Q1 2024, reported Mar 22, 2024: actual 0.004, estimate —, surprise —, Comparison unavailable. Q3 2024, reported Aug 23, 2024: actual 0.011, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 24, 2025: actual -0.003, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 30, 2025: actual 0.014, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates48.17M37.78M27.39M16.99MQ3 '22Q1 '23Q3 '23Q1 '24Q3 '24Q1 '25Q2 '25
Q3 2022, reported Aug 26, 2022: actual 44.04M HKD, estimate —, surprise —, Comparison unavailable. Q1 2023, reported Mar 24, 2023: actual 42.25M HKD, estimate —, surprise —, Comparison unavailable. Q3 2023, reported Aug 25, 2023: actual 46.02M HKD, estimate —, surprise —, Comparison unavailable. Q1 2024, reported Mar 22, 2024: actual 19.72M HKD, estimate —, surprise —, Comparison unavailable. Q3 2024, reported Aug 23, 2024: actual 30.89M HKD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 24, 2025: actual 19.14M HKD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 30, 2025: actual 31.5M HKD, estimate —, surprise —, Comparison unavailable.

Corporate actions

Corporate action history

Stock split

Effective Jul 7, 2026

5:1

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