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Capital Finance HoldingsHKSE:08239 -0.10%34 FCF Margin % is 58.92% as of Dec. 2025, which is 32% below its 10-year median of 86.26. GuruFocus rates HKSE:08239 with a GF Score™ of 34/100 and a GF Value™ of HK$0.50 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 534 Credit Services companies, Capital Finance Holdings ranks better than 85.02% on this metric.
* 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, Capital Finance Holdings'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.
Capital Finance Holdings FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Capital Finance Holdings's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Capital Finance Holdings's FCF Margin % falls into.
* 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.
Capital Finance Holdings (HKSE:08239) has a FCF Margin % of 58.92% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Capital Finance Holdings and its competitors. This is 32% below median its historical median of 86.26. According to the industry distribution chart, Capital Finance Holdings ranks #80 out of 534 companies in the Credit Services industry, placing it in the top 15%.
Is Capital Finance Holdings' FCF Margin % too high?
Capital Finance Holdings' current FCF Margin % of 58.92% is 32% below median its 10-year median of 86.26. The Credit Services industry median FCF Margin % is 0.30. Capital Finance Holdings' value of 58.92% is 19872.9% above this industry median. Based on the distribution chart, Capital Finance Holdings ranks #80 out of 534 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Capital Finance Holdings has a GF Score™ of 34/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Capital Finance Holdings' FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Capital Finance Holdings ranks #80 out of 534 companies for FCF Margin %. This places Capital Finance Holdings in the top 15% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 0.30. Capital Finance Holdings' value of 58.92% is 19872.9% above this benchmark. While the company's 10-year median is 86.26 vs. the industry median of 0.30, Capital Finance Holdings 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 0.30, 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. Capital Finance Holdings's current FCF Margin % of 58.92% is 19872.9% 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 Capital Finance Holdings and its competitors. For the Credit Services industry, the median FCF Margin % is 0.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital Finance Holdings's current FCF Margin % is 58.92%, which is 32% below median its own 10-year median of 86.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capital Finance Holdings stock overvalued right now?
Based on GuruFocus' analysis, Capital Finance Holdings (HKSE:08239) is currently considered Significantly Overvalued. The stock's GF Value™ is HK$0.50, compared to a current price of HK$20.34 — trading 3968% above its estimated fair value. The current FCF Margin % is 58.92%, which is 32% below median its 10-year median of 86.26 and 19872.9% above the Credit Services industry median of 0.30. Capital Finance Holdings' overall GF Score™ is 34/100 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 Capital Finance Holdings (HKSE:08239), the current FCF Margin % is 58.92% 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 Capital Finance Holdings (HKSE:08239) Overvalued in 2026?
Based on GuruFocus' analysis, Capital Finance Holdings stock appears to be overvalued.
The current stock price of HK$20.34 is trading 3968% above its estimated GF Value™ of HK$0.50.
GuruFocus considers Capital Finance Holdings to be Significantly Overvalued.
Key valuation signals for HKSE:08239:
FCF Margin %: 58.92% (32% below median its 10-year median of 86.26)
GF Value™: HK$0.50 vs. price of HK$20.34 (3968% above fair value)
Industry Position: 19872.9% above the Credit Services median (#80 of 534)
No single metric tells the full story. See the HKSE:08239 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Capital Finance Holdings Ltd is an investment holding company. Along with its subsidiaries, it provides short-term financing services in the Peoples Republic of China (PRC) and Hong Kong. Short-term financing comprises pawn loan services, micro-financing services, entrusted loan business, and financial consultancy business. Geographically, it derives maximum revenue from Hong Kong, followed by the PRC.
34GF Score
Get the complete analysis for HKSE:08239
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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