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.
Quanzhou Huixin Micro-credit CoHKSE:01577 45 PB Ratio is 0.49 as of Aug. 04, 2026, which is 18% below its 10-year median of 0.60. GuruFocus rates HKSE:01577 with a GF Score™ of 45/100 and a GF Value™ of HK$0.90 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 525 Credit Services companies, Quanzhou Huixin Micro-credit Co ranks better than 81.52% on this metric.
The historical rank and industry rank for Quanzhou Huixin Micro-credit Co's PB Ratio or its related term are showing as below:
HKSE:01577'
s PB Ratio Range Over the Past 10 Years
Min: 0.27 Med: 0.6 Max: 1.75
Current: 0.49
During the past 13 years, Quanzhou Huixin Micro-credit Co's highest PB Ratio was 1.75. The lowest was 0.27. And the median was 0.60.
HKSE:01577's PB Ratio is ranked better than 81.52% of 525
companies
in the Credit Services industry
Industry Median: 1.06
vs HKSE:01577: 0.49
During the past 12 months, Quanzhou Huixin Micro-credit Co's average Book Value Per Share Growth Rate was 9.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 4.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 1.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 4.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Quanzhou Huixin Micro-credit Co was 17.30% per year. The lowest was -1.20% per year. And the median was 4.15% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Quanzhou Huixin Micro-credit Co PB Ratio Related Terms
Quanzhou Huixin Micro-credit Co PB Ratio Historical Data
* 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, Quanzhou Huixin Micro-credit Co's PB Ratio, along with its competitors' market caps and PB Ratio 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.
Quanzhou Huixin Micro-credit Co PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Quanzhou Huixin Micro-credit Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where Quanzhou Huixin Micro-credit Co's PB Ratio falls into.
Quanzhou Huixin Micro-credit Co PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Quanzhou Huixin Micro-credit Co (HKSE:01577) has a PB Ratio of 0.49 as of Aug. 04, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Quanzhou Huixin Micro-credit Co and its competitors. This is 18% below median its historical median of 0.60. Over the past decade, Quanzhou Huixin Micro-credit Co's PB Ratio has ranged from 0.27 to 1.75. According to the industry distribution chart, Quanzhou Huixin Micro-credit Co ranks #97 out of 525 companies in the Credit Services industry, placing it in the top 18.5%.
Is Quanzhou Huixin Micro-credit Co's PB Ratio too high?
Quanzhou Huixin Micro-credit Co's current PB Ratio of 0.49 is 18% below median its 10-year median of 0.60. Over the past 10 years, this metric has ranged from a low of 0.27 to a high of 1.75. The Credit Services industry median PB Ratio is 1.06. Quanzhou Huixin Micro-credit Co's value of 0.49 is 53.8% below this industry median. Based on the distribution chart, Quanzhou Huixin Micro-credit Co ranks #97 out of 525 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Quanzhou Huixin Micro-credit Co has a GF Score™ of 45/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Quanzhou Huixin Micro-credit Co's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Quanzhou Huixin Micro-credit Co ranks #97 out of 525 companies for PB Ratio. This places Quanzhou Huixin Micro-credit Co in the top 19% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.06. Quanzhou Huixin Micro-credit Co's value of 0.49 is 53.8% below this benchmark. Historically, Quanzhou Huixin Micro-credit Co's own PB Ratio has ranged from 0.27 to 1.75 over the past decade. While the company's 10-year median is 0.60 vs. the industry median of 1.06, Quanzhou Huixin Micro-credit Co has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Quanzhou Huixin Micro-credit Co's current PB Ratio of 0.49 is 53.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Quanzhou Huixin Micro-credit Co and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Quanzhou Huixin Micro-credit Co's current PB Ratio is 0.49, which is 18% below median its own 10-year median of 0.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Quanzhou Huixin Micro-credit Co stock overvalued right now?
Based on GuruFocus' analysis, Quanzhou Huixin Micro-credit Co (HKSE:01577) is currently considered Modestly Overvalued. The stock's GF Value™ is HK$0.90, compared to a current price of HK$1.03 — trading 14.4% above its estimated fair value. The current PB Ratio is 0.49, which is 18% below median its 10-year median of 0.60 and 53.8% below the Credit Services industry median of 1.06. Quanzhou Huixin Micro-credit Co's overall GF Score™ is 45/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Quanzhou Huixin Micro-credit Co (HKSE:01577), the current PB Ratio is 0.49 as of Aug. 04, 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 Quanzhou Huixin Micro-credit Co (HKSE:01577) Overvalued in 2026?
Based on GuruFocus' analysis, Quanzhou Huixin Micro-credit Co stock appears to be overvalued.
The current stock price of HK$1.03 is trading 14.4% above its estimated GF Value™ of HK$0.90.
GuruFocus considers Quanzhou Huixin Micro-credit Co to be Modestly Overvalued.
Key valuation signals for HKSE:01577:
PB Ratio: 0.49 (18% below median its 10-year median of 0.60)
GF Value™: HK$0.90 vs. price of HK$1.03 (14.4% above fair value)
Industry Position: 53.8% below the Credit Services median (#97 of 525)
No single metric tells the full story. See the HKSE:01577 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Quanzhou Huixin Micro-credit Co Ltd provides local entrepreneurs, SMEs and microenterprises with practical and flexible short-term financing solutions to support their continued development and address their ongoing liquidity needs. All of the group's revenue was generated from the micro-credit business in Quanzhou, Fujian Province in the PRC.
45GF Score
Get the complete analysis for HKSE:01577
PB Ratio 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:01577 has been successfully added to your 
