Haosen Fintech Group (HKSE:03848) Net Interest Margin (Bank Only) %

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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.
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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
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What is Haosen Fintech Group Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % only applies to banks.

HKSE:03848
53GF Score
Haosen Fintech Group Ltd HKSE:03848
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Net Interest Margin (Bank Only) %:
  • 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

Net Interest Margin (Bank Only) % 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