China Rongzhong Financial Holdings Co (HKSE:03963) Net Interest Margin (Bank Only) %

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.
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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:03963 China Rongzhong Financial Holdings Co Ltd HKSE:03963
33 GF Score
Price HK$0.12
GF Value HK$0.23
Valuation Possible Value Trap
! 4 Warning Signs
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What is China Rongzhong Financial Holdings Co Net Interest Margin (Bank Only) %?

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

HKSE:03963
33GF Score
China Rongzhong Financial Holdings Co Ltd HKSE:03963
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is China Rongzhong Financial Holdings Co (HKSE:03963) Overvalued in 2026?

Based on GuruFocus' analysis, China Rongzhong Financial Holdings Co stock appears to be undervalued. The current stock price of HK$0.12 is trading 47.8% below its estimated GF Value™ of HK$0.23. GuruFocus considers China Rongzhong Financial Holdings Co to be Possible Value Trap.

Key valuation signals for HKSE:03963:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: HK$0.23 vs. price of HK$0.12 (47.8% below fair value)
  • GF Score™: 33/100 with 4 warning signs

No single metric tells the full story. See the HKSE:03963 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

China Rongzhong Financial Holdings Co Business Description

Address Unit 3901, 89 Queensway, 39th floor, Tower One, Lippo Centre, Hong Kong, HKG
China Rongzhong Financial Holdings Co Ltd provides financial leasing services in the People's Republic of China. It operates in two segments Leasing services which include direct leasing and operating leases; and Debt collection and credit investigation services. It also provides advisory and consultancy services to its finance lease customers. Its revenue is derived from the Debt collection and credit investigation services segment. The majority of the company's revenue from operations is derived from the People's Republic of China, and also has its presence in Hong Kong, Singapore.
33GF Score

Get the complete analysis for HKSE:03963

Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

HK$0.12
Price
HK$0.23
GF Value