Global International Credit Group (HKSE:01669) FCF Margin %: 403.95% (As of Dec. 2025) — 264% Above Median

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HKSE:01669 Global International Credit Group Ltd HKSE:01669
43 GF Score
Price HK$1.51
GF Value HK$0.50
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Global International Credit Group FCF Margin %?

Global International Credit Group HKSE:01669 43 FCF Margin % is 403.95% as of Dec. 2025, which is 264% above its 10-year median of 110.96. GuruFocus rates HKSE:01669 with a GF Score™ of 43/100 and a GF Value™ of HK$0.50 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 534 Credit Services companies, Global International Credit Group ranks better than 96.63% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Global International Credit Group's Free Cash Flow for the six months ended in Dec. 2025 was HK$157.00 Mil. Global International Credit Group's Revenue for the six months ended in Dec. 2025 was HK$38.87 Mil. Therefore, Global International Credit Group's FCF Margin % for the quarter that ended in Dec. 2025 was 403.95%.

As of today, Global International Credit Group's current FCF Yield % is 46.24%.

The historical rank and industry rank for Global International Credit Group's FCF Margin % or its related term are showing as below:

HKSE:01669' s FCF Margin % Range Over the Past 10 Years
Min: -160.82   Med: 110.96   Max: 329.9
Current: 329.9


During the past 13 years, the highest FCF Margin % of Global International Credit Group was 329.90%. The lowest was -160.82%. And the median was 110.96%.

HKSE:01669's FCF Margin % is ranked better than
96.63% of 534 companies
in the Credit Services industry
Industry Median: 0.565 vs HKSE:01669: 329.90


Global International Credit Group FCF Margin % Related Terms


Global International Credit Group FCF Margin % Historical Data

* Premium members only.

The historical data trend for Global International Credit Group's FCF Margin % 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.

Global International Credit Group FCF Margin % Chart

Global International Credit Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 18.81 -36.01 75.10 163.94 329.90

Global International Credit Group Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
FCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -89.46 203.05 123.26 266.67 403.95

HKSE:01669 vs V, MA, AXP: FCF Margin % Comparison

For the Credit Services subindustry, Global International Credit Group's FCF Margin %, along with its competitors' market caps and FCF Margin % 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.


Global International Credit Group FCF Margin % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Global International Credit Group's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Global International Credit Group's FCF Margin % falls into.


HKSE:01669
43GF Score
Global International Credit Group Ltd HKSE:01669
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Global International Credit Group FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Global International Credit Group's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=278.365/84.379
=329.90 %

Global International Credit Group's FCF Margin for the quarter that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=156.995/38.865
=403.95 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of 403.95% mean?
Global International Credit Group (HKSE:01669) has a FCF Margin % of 403.95% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Global International Credit Group and its competitors. This is 264% above median its historical median of 110.96. According to the industry distribution chart, Global International Credit Group ranks #18 out of 534 companies in the Credit Services industry, placing it in the top 3.4%.
Is Global International Credit Group's FCF Margin % too high?
Global International Credit Group's current FCF Margin % of 403.95% is 264% above median its 10-year median of 110.96. The Credit Services industry median FCF Margin % is 0.57. Global International Credit Group's value of 403.95% is 71395.6% above this industry median. Based on the distribution chart, Global International Credit Group ranks #18 out of 534 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Global International Credit Group has a GF Score™ of 43/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Global International Credit Group's FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Global International Credit Group ranks #18 out of 534 companies for FCF Margin %. This places Global International Credit Group in the top 3% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 0.57. Global International Credit Group's value of 403.95% is 71395.6% above this benchmark. While the company's 10-year median is 110.96 vs. the industry median of 0.57, Global International Credit 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 FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.57, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Global International Credit Group's current FCF Margin % of 403.95% is 71395.6% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Global International Credit Group and its competitors. For the Credit Services industry, the median FCF Margin % is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Global International Credit Group's current FCF Margin % is 403.95%, which is 264% above median its own 10-year median of 110.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Global International Credit Group stock overvalued right now?
Based on GuruFocus' analysis, Global International Credit Group (HKSE:01669) is currently considered Significantly Overvalued. The stock's GF Value™ is HK$0.50, compared to a current price of HK$1.51 — trading 201% above its estimated fair value. The current FCF Margin % is 403.95%, which is 264% above median its 10-year median of 110.96 and 71395.6% above the Credit Services industry median of 0.57. Global International Credit Group's overall GF Score™ is 43/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Global International Credit Group (HKSE:01669), the current FCF Margin % is 403.95% as of Dec. 2025. 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 Global International Credit Group (HKSE:01669) Overvalued in 2026?

Based on GuruFocus' analysis, Global International Credit Group stock appears to be overvalued. The current stock price of HK$1.51 is trading 201% above its estimated GF Value™ of HK$0.50. GuruFocus considers Global International Credit Group to be Significantly Overvalued.

Key valuation signals for HKSE:01669:

  • FCF Margin %: 403.95% (264% above median its 10-year median of 110.96)
  • GF Value™: HK$0.50 vs. price of HK$1.51 (201% above fair value)
  • GF Score™: 43/100 with 6 warning signs
  • Industry Position: 71395.6% above the Credit Services median (#18 of 534)

No single metric tells the full story. See the HKSE:01669 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Global International Credit Group Business Description

Address 19 Des Voeux Road Central, Unit 01, 12th Floor, World-Wide House, Hong Kong, HKG
Global International Credit Group Ltd is engaged in the money lending business. The company provides short-term and long-term property mortgage loans to customers in Hong Kong. It provides flexible loan solutions, property mortgage loans, and personal loans. The company's revenue is generated from the money lending business of providing property mortgage loans and personal loans in Hong Kong.
43GF Score

Get the complete analysis for HKSE:01669

FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

HK$1.51
Price
HK$0.50
GF Value