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Haosen Fintech GroupHKSE:03848 +2.91%53 EV-to-FCF is 28.42 as of Sep. 05, 2026, which is 271% above its 10-year median of 7.66. GuruFocus rates HKSE:03848 with a GF Score™ of 53/100 and a GF Value™ of HK$0.88 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 269 Credit Services companies, Haosen Fintech Group ranks worse than 65.43% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Haosen Fintech Group's Enterprise Value is HK$1,783.28 Mil.
Haosen Fintech Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was HK$62.74 Mil. Therefore, Haosen Fintech Group's EV-to-FCF for today is 28.42.
The historical rank and industry rank for Haosen Fintech Group's EV-to-FCF or its related term are showing as below:
HKSE:03848'
s EV-to-FCF Range Over the Past 10 Years
Min: -16.56 Med: 7.66 Max: 106.17
Current: 28.42
During the past 12 years, the highest EV-to-FCF of Haosen Fintech Group was 106.17. The lowest was -16.56. And the median was 7.66.
HKSE:03848's EV-to-FCF is ranked worse than 65.43% of 269
companies
in the Credit Services industry
Industry Median: 13.69
vs HKSE:03848: 28.42
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Haosen Fintech Group (HKSE:03848) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Haosen Fintech Group's PE Ratio (TTM) for today is calculated as:
Haosen Fintech Group's share price for today is HK$2.12.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Haosen Fintech Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was HK$0.012.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Haosen Fintech Group EV-to-FCF Related Terms
Haosen Fintech Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Haosen Fintech Group's EV-to-FCF can be seen below:
* 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.
For the Credit Services subindustry, Haosen Fintech Group's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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.
Haosen Fintech Group EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Haosen Fintech Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Haosen Fintech Group's EV-to-FCF falls into.
Haosen Fintech Group's current Enterprise Value is HK$1,783.28 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Haosen Fintech Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was HK$62.74 Mil.
* 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.
Haosen Fintech Group (HKSE:03848) has a EV-to-FCF of 28.42 as of Sep. 05, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Haosen Fintech Group and its competitors. This is 271% above median its historical median of 7.66. According to the industry distribution chart, Haosen Fintech Group ranks #176 out of 269 companies in the Credit Services industry, placing it in the top 65.4%.
Is Haosen Fintech Group's EV-to-FCF too high?
Haosen Fintech Group's current EV-to-FCF of 28.42 is 271% above median its 10-year median of 7.66. The Credit Services industry median EV-to-FCF is 13.69. Haosen Fintech Group's value of 28.42 is 107.6% above this industry median. Based on the distribution chart, Haosen Fintech Group ranks #176 out of 269 companies in the Credit Services industry, which is below the industry midpoint. Overall, Haosen Fintech Group has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Haosen Fintech Group's EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, Haosen Fintech Group ranks #176 out of 269 companies for EV-to-FCF. This places Haosen Fintech Group in the lower half of its industry. The industry median EV-to-FCF is 13.69. Haosen Fintech Group's value of 28.42 is 107.6% above this benchmark. While the company's 10-year median is 7.66 vs. the industry median of 13.69, Haosen Fintech Group 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 EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.69, based on 269 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Haosen Fintech Group's current EV-to-FCF of 28.42 is 107.6% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Haosen Fintech Group and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Haosen Fintech Group's current EV-to-FCF is 28.42, which is 271% above median its own 10-year median of 7.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Haosen Fintech Group stock overvalued right now?
Based on GuruFocus' analysis, Haosen Fintech Group (HKSE:03848) is currently considered Significantly Overvalued. The stock's GF Value™ is HK$0.88, compared to a current price of HK$2.12 — trading 140.9% above its estimated fair value. The current EV-to-FCF is 28.42, which is 271% above median its 10-year median of 7.66 and 107.6% above the Credit Services industry median of 13.69. Haosen Fintech Group's overall GF Score™ is 53/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Haosen Fintech Group (HKSE:03848), the current EV-to-FCF is 28.42 as of Sep. 05, 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 Haosen Fintech Group (HKSE:03848) Overvalued in 2026?
Based on GuruFocus' analysis, Haosen Fintech Group stock appears to be overvalued.
The current stock price of HK$2.12 is trading 140.9% above its estimated GF Value™ of HK$0.88.
GuruFocus considers Haosen Fintech Group to be Significantly Overvalued.
Key valuation signals for HKSE:03848:
EV-to-FCF: 28.42 (271% above median its 10-year median of 7.66)
GF Value™: HK$0.88 vs. price of HK$2.12 (140.9% above fair value)
Industry Position: 107.6% above the Credit Services median (#176 of 269)
No single metric tells the full story. See the HKSE:03848 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Haosen Fintech Group Ltd is engaged in the provision of small loans and related loan facilitation services in the PRC; and provision of investment management and advisory services, securities dealing and broking services, and other financial services in Hong Kong. Its segment includes Finance lease and factoring related services; Microcredit and loan facilitation related services; & Securities dealing and broking, and other financial services. It generates the majority of its revenue from the Microcredit and loan facilitation-related services segment, which includes the provision of (a) micro-credit and subordinated mortgage to individuals and corporates; and (b) post-loan facilitation-related services in the PRC. Geographically, the company derives a majority of its revenue from the PRC.
53GF Score
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