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VCredit HoldingsHKSE:02003 21 FCF Yield % is 654.30 as of Jul. 24, 2026, which is 599% above its 10-year median of 93.62. GuruFocus rates HKSE:02003 with a GF Score™ of 21/100 and a GF Value™ of HK$0.59 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 541 Credit Services companies, VCredit Holdings ranks better than 99.63% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
VCredit Holdings FCF Yield % Related Terms
VCredit Holdings FCF Yield % Historical Data
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The historical data trend for VCredit Holdings's FCF Yield % 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, VCredit Holdings's FCF Yield %, along with its competitors' market caps and FCF Yield % 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.
VCredit Holdings FCF Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, VCredit Holdings's FCF Yield % distribution charts can be found below:
* The bar in red indicates where VCredit Holdings's FCF Yield % 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.
VCredit Holdings (HKSE:02003) has a FCF Yield % of 654.30 as of Jul. 24, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on VCredit Holdings and its competitors. This is 599% above median its historical median of 93.62. According to the industry distribution chart, VCredit Holdings ranks #2 out of 541 companies in the Credit Services industry, placing it in the top 0.40000000000001%.
Is VCredit Holdings' FCF Yield % too high?
VCredit Holdings' current FCF Yield % of 654.30 is 599% above median its 10-year median of 93.62. Based on the distribution chart, VCredit Holdings ranks #2 out of 541 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, VCredit Holdings has a GF Score™ of 21/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does VCredit Holdings' FCF Yield % compare to V and MA?
According to the Credit Services industry distribution chart, VCredit Holdings ranks #2 out of 541 companies for FCF Yield %. This places VCredit Holdings in the top 0% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Yield % for a Credit Services company?
A good FCF Yield % depends on the Credit Services industry context. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on VCredit Holdings and its competitors. VCredit Holdings's current FCF Yield % is 654.30, which is 599% above median its own 10-year median of 93.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VCredit Holdings stock overvalued right now?
Based on GuruFocus' analysis, VCredit Holdings (HKSE:02003) is currently considered Significantly Overvalued. The stock's GF Value™ is HK$0.59, compared to a current price of HK$0.89 — trading 50.8% above its estimated fair value. The current FCF Yield % is 654.30, which is 599% above median its 10-year median of 93.62. VCredit Holdings' overall GF Score™ is 21/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For VCredit Holdings (HKSE:02003), the current FCF Yield % is 654.30 as of Jul. 24, 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 VCredit Holdings (HKSE:02003) Overvalued in 2026?
Based on GuruFocus' analysis, VCredit Holdings stock appears to be overvalued.
The current stock price of HK$0.89 is trading 50.8% above its estimated GF Value™ of HK$0.59.
GuruFocus considers VCredit Holdings to be Significantly Overvalued.
Key valuation signals for HKSE:02003:
FCF Yield %: 654.30 (599% above median its 10-year median of 93.62)
GF Value™: HK$0.59 vs. price of HK$0.89 (50.8% above fair value)
No single metric tells the full story. See the HKSE:02003 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
VCredit Holdings Ltd is an investment holding company and has one operating segment. The Group is a technology-driven consumer financial service provider in the People's Republic of China. The Group offers tailored consumer finance products to prime and near-prime borrowers who are underserved by traditional financial institutions. The Group also offers consumer finance products by facilitating transactions between borrowers and financial institutions. The company generates the majority of its revenue from Interest and similar income.
21GF Score
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FCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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