Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Haosen Fintech GroupHKSE:03848 +2.91%53 FCF Yield % is 3.78 as of Sep. 05, 2026, which is 12% above its 10-year median of 3.37. 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 541 Credit Services companies, Haosen Fintech Group ranks better than 62.29% 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.
Haosen Fintech Group FCF Yield % Related Terms
Haosen Fintech Group FCF Yield % Historical Data
* Premium members only.
The historical data trend for Haosen Fintech Group'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, Haosen Fintech Group'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.
Haosen Fintech Group FCF Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Haosen Fintech Group's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Haosen Fintech Group'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.
Haosen Fintech Group (HKSE:03848) has a FCF Yield % of 3.78 as of Sep. 05, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Haosen Fintech Group and its competitors. This is 12% above median its historical median of 3.37. According to the industry distribution chart, Haosen Fintech Group ranks #204 out of 541 companies in the Credit Services industry, placing it in the top 37.7%.
Is Haosen Fintech Group's FCF Yield % too high?
Haosen Fintech Group's current FCF Yield % of 3.78 is 12% above median its 10-year median of 3.37. Based on the distribution chart, Haosen Fintech Group ranks #204 out of 541 companies in the Credit Services industry, which is above 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 FCF Yield % compare to V and MA?
According to the Credit Services industry distribution chart, Haosen Fintech Group ranks #204 out of 541 companies for FCF Yield %. This puts Haosen Fintech Group in the upper half of its industry. 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 Haosen Fintech Group and its competitors. Haosen Fintech Group's current FCF Yield % is 3.78, which is 12% above median its own 10-year median of 3.37. 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 FCF Yield % is 3.78, which is 12% above median its 10-year median of 3.37. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Haosen Fintech Group (HKSE:03848), the current FCF Yield % is 3.78 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:
FCF Yield %: 3.78 (12% above median its 10-year median of 3.37)
GF Value™: HK$0.88 vs. price of HK$2.12 (140.9% above fair value)
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
Get the complete analysis for HKSE:03848
FCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HKSE:03848 has been successfully added to your 
