Haosen Fintech Group (HKSE:03848) Moat Score: 0/10 (As of Sep. 05, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

HKSE:03848 Haosen Fintech Group Ltd HKSE:03848
53 GF Score
Price HK$2.12
GF Value HK$0.88
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Haosen Fintech Group Moat Score?

Haosen Fintech Group has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Haosen Fintech Group has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Haosen Fintech Group might have No Moat - No discernible moat.

Haosen Fintech Group  (HKSE:03848) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Haosen Fintech Group Moat Score Related Terms

HKSE:03848
53GF Score
Haosen Fintech Group Ltd HKSE:03848
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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:

  • Moat Score: 0
  • GF Value™: HK$0.88 vs. price of HK$2.12 (140.9% above fair value)
  • GF Score™: 53/100 with 6 warning signs

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 Business Description

Address 26 Harbour Road, Room 3402, 34th Floor, China Resources Building, Wanchai, Hong Kong, HKG
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

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

HK$2.12
Price
HK$0.88
GF Value