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Quanzhou Huixin Micro-credit CoHKSE:01577 49 Cyclically Adjusted PS Ratio is 3.87 as of Sep. 14, 2026, which is 169% above its 10-year median of 1.44. GuruFocus rates HKSE:01577 with a GF Score™ of 49/100 and a GF Value™ of HK$0.91 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 420 Credit Services companies, Quanzhou Huixin Micro-credit Co ranks worse than 57.38% on this metric.
The historical rank and industry rank for Quanzhou Huixin Micro-credit Co's Cyclically Adjusted PS Ratio or its related term are showing as below:
HKSE:01577'
s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 1 Med: 1.44 Max: 4.37
Current: 3.82
During the past 13 years, Quanzhou Huixin Micro-credit Co's highest Cyclically Adjusted PS Ratio was 4.37. The lowest was 1.00. And the median was 1.44.
HKSE:01577's Cyclically Adjusted PS Ratio is ranked worse than 57.38% of 420
companies
in the Credit Services industry
Industry Median: 2.965
vs HKSE:01577: 3.82
The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.
Quanzhou Huixin Micro-credit Co's adjusted revenue per share data of for the fiscal year that ended in Dec25 was HK$0.298. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is HK$0.27 for the trailing ten years ended in Dec25.
Shiller PE for Stocks: The True Measure of Stock Valuation
Quanzhou Huixin Micro-credit Co (HKSE:01577) Cyclically Adjusted PS Ratio Explanation
Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.
Quanzhou Huixin Micro-credit Co Cyclically Adjusted PS Ratio Related Terms
Quanzhou Huixin Micro-credit Co Cyclically Adjusted PS Ratio Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Quanzhou Huixin Micro-credit Co Cyclically Adjusted PS Ratio Chart
HKSE:01577 vs V, MA, AXP: Cyclically Adjusted PS Ratio Comparison
For the Credit Services subindustry, Quanzhou Huixin Micro-credit Co's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Quanzhou Huixin Micro-credit Co Cyclically Adjusted PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Quanzhou Huixin Micro-credit Co's Cyclically Adjusted PS Ratio distribution charts can be found below:
* The bar in red indicates where Quanzhou Huixin Micro-credit Co's Cyclically Adjusted PS Ratio falls into.
Quanzhou Huixin Micro-credit Co Cyclically Adjusted PS Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
What does a Cyclically Adjusted PS Ratio of 3.87 mean?
Quanzhou Huixin Micro-credit Co (HKSE:01577) has a Cyclically Adjusted PS Ratio of 3.87 as of Sep. 14, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Quanzhou Huixin Micro-credit Co and its competitors. This is 169% above median its historical median of 1.44. Over the past decade, Quanzhou Huixin Micro-credit Co's Cyclically Adjusted PS Ratio has ranged from 1.00 to 4.37. According to the industry distribution chart, Quanzhou Huixin Micro-credit Co ranks #241 out of 420 companies in the Credit Services industry, placing it in the top 57.4%.
Is Quanzhou Huixin Micro-credit Co's Cyclically Adjusted PS Ratio too high?
Quanzhou Huixin Micro-credit Co's current Cyclically Adjusted PS Ratio of 3.87 is 169% above median its 10-year median of 1.44. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 4.37. The Credit Services industry median Cyclically Adjusted PS Ratio is 2.97. Quanzhou Huixin Micro-credit Co's value of 3.87 is 30.5% above this industry median. Based on the distribution chart, Quanzhou Huixin Micro-credit Co ranks #241 out of 420 companies in the Credit Services industry, which is below the industry midpoint. Overall, Quanzhou Huixin Micro-credit Co has a GF Score™ of 49/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Quanzhou Huixin Micro-credit Co's Cyclically Adjusted PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Quanzhou Huixin Micro-credit Co ranks #241 out of 420 companies for Cyclically Adjusted PS Ratio. This places Quanzhou Huixin Micro-credit Co in the lower half of its industry. The industry median Cyclically Adjusted PS Ratio is 2.97. Quanzhou Huixin Micro-credit Co's value of 3.87 is 30.5% above this benchmark. Historically, Quanzhou Huixin Micro-credit Co's own Cyclically Adjusted PS Ratio has ranged from 1.00 to 4.37 over the past decade. While the company's 10-year median is 1.44 vs. the industry median of 2.97, Quanzhou Huixin Micro-credit Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for a Credit Services company?
The median Cyclically Adjusted PS Ratio among Credit Services companies is 2.97, based on 420 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Quanzhou Huixin Micro-credit Co's current Cyclically Adjusted PS Ratio of 3.87 is 30.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Quanzhou Huixin Micro-credit Co and its competitors. For the Credit Services industry, the median Cyclically Adjusted PS Ratio is 2.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Quanzhou Huixin Micro-credit Co's current Cyclically Adjusted PS Ratio is 3.87, which is 169% above median its own 10-year median of 1.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Quanzhou Huixin Micro-credit Co stock overvalued right now?
Based on GuruFocus' analysis, Quanzhou Huixin Micro-credit Co (HKSE:01577) is currently considered Modestly Overvalued. The stock's GF Value™ is HK$0.91, compared to a current price of HK$1.05 — trading 14.8% above its estimated fair value. The current Cyclically Adjusted PS Ratio is 3.87, which is 169% above median its 10-year median of 1.44 and 30.5% above the Credit Services industry median of 2.97. Quanzhou Huixin Micro-credit Co's overall GF Score™ is 49/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Quanzhou Huixin Micro-credit Co (HKSE:01577), the current Cyclically Adjusted PS Ratio is 3.87 as of Sep. 14, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Quanzhou Huixin Micro-credit Co (HKSE:01577) Overvalued in 2026?
Based on GuruFocus' analysis, Quanzhou Huixin Micro-credit Co stock appears to be overvalued.
The current stock price of HK$1.05 is trading 14.8% above its estimated GF Value™ of HK$0.91.
GuruFocus considers Quanzhou Huixin Micro-credit Co to be Modestly Overvalued.
Key valuation signals for HKSE:01577:
Cyclically Adjusted PS Ratio: 3.87 (169% above median its 10-year median of 1.44)
GF Value™: HK$0.91 vs. price of HK$1.05 (14.8% above fair value)
Industry Position: 30.5% above the Credit Services median (#241 of 420)
No single metric tells the full story. See the HKSE:01577 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Quanzhou Huixin Micro-credit Co Ltd provides local entrepreneurs, SMEs and microenterprises with practical and flexible short-term financing solutions to support their continued development and address their ongoing liquidity needs. All of the group's revenue was generated from the micro-credit business in Quanzhou, Fujian Province in the PRC.
49GF Score
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