VCredit Holdings (HKSE:02003) Valuation Rank

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:02003 VCredit Holdings Ltd HKSE:02003
21 GF Score
Price HK$0.89
GF Value HK$0.59
Valuation Significantly Overvalued
! 3 Warning Signs
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What is VCredit Holdings Valuation Rank?

The Valuation Rank measures the current valuation of a business relative to other companies in the same industry and its own historical valuation. The companies are split in equal numbers and then ranked from 1 to 10, with 10 as the most undervalued and 1 as the most overvalued.

  1. Three factors:
    • Absolute valuation (medpsvalue) relative to current stock price, rank among all companies
    • Historical valuation over the past 10 years. Rank pe, ps, pocf, ev2ebit over their own historical values
    • Industry relative valuation
  2. Companies without enough data is not ranked
  3. Companies with negative earnings are ranked lower

These three factors are used to calculate the value score for every eligible company, with values from 1 to 10. The final ranked companies are split in equal numbers and ranked from 1 to 10, with 10 as the most undervalued, and 1 as the most overvalued. The numbers of companies in each rank are the same.

VCredit Holdings Valuation Rank Related Terms

HKSE:02003
21GF Score
VCredit Holdings Ltd HKSE:02003
Valuation Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Is VCredit Holdings (HKSE:02003) Overvalued in 2026?

Based on GuruFocus' analysis, VCredit Holdings stock appears to be overvalued. The current stock price of HK$0.89 is trading 50.8% above its estimated GF Value™ of HK$0.59. GuruFocus considers VCredit Holdings to be Significantly Overvalued.

Key valuation signals for HKSE:02003:

  • Valuation Rank:
  • GF Value™: HK$0.59 vs. price of HK$0.89 (50.8% above fair value)
  • GF Score™: 21/100 with 3 warning signs

No single metric tells the full story. See the HKSE:02003 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

VCredit Holdings Business Description

Other Exchanges 5R6:Germany
Address 19th Floor, Two Pacific Place, Suite 1918, 88 Queensway, Hong Kong, HKG, 200085
VCredit Holdings Ltd is an investment holding company and has one operating segment. The Group is a technology-driven consumer financial service provider in the People's Republic of China. The Group offers tailored consumer finance products to prime and near-prime borrowers who are underserved by traditional financial institutions. The Group also offers consumer finance products by facilitating transactions between borrowers and financial institutions. The company generates the majority of its revenue from Interest and similar income.
21GF Score

Get the complete analysis for HKSE:02003

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

HK$0.89
Price
HK$0.59
GF Value