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 ROE % is 9.10% as of Dec. 2025, which is 34% above its 10-year median of 6.81. 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 531 Credit Services companies, Quanzhou Huixin Micro-credit Co ranks better than 55.37% on this metric.
Quanzhou Huixin Micro-credit Co (HKSE:01577) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Quanzhou Huixin Micro-credit Co ROE % Related Terms
Quanzhou Huixin Micro-credit Co ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Quanzhou Huixin Micro-credit Co's ROE % distribution charts can be found below:
* The bar in red indicates where Quanzhou Huixin Micro-credit Co's ROE % falls into.
* 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Quanzhou Huixin Micro-credit Co (HKSE:01577) has a ROE % of 9.10% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Quanzhou Huixin Micro-credit Co and its competitors. This is 34% above median its historical median of 6.81. Over the past decade, Quanzhou Huixin Micro-credit Co's ROE % has ranged from 3.91 to 10.60. According to the industry distribution chart, Quanzhou Huixin Micro-credit Co ranks #237 out of 531 companies in the Credit Services industry, placing it in the top 44.6%.
Is Quanzhou Huixin Micro-credit Co's ROE % too high?
Quanzhou Huixin Micro-credit Co's current ROE % of 9.10% is 34% above median its 10-year median of 6.81. Over the past 10 years, this metric has ranged from a low of 3.91 to a high of 10.60. The Credit Services industry median ROE % is 6.67. Quanzhou Huixin Micro-credit Co's value of 9.10% is 36.4% above this industry median. Based on the distribution chart, Quanzhou Huixin Micro-credit Co ranks #237 out of 531 companies in the Credit Services industry, which is above the industry midpoint. 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 ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Quanzhou Huixin Micro-credit Co ranks #237 out of 531 companies for ROE %. This puts Quanzhou Huixin Micro-credit Co in the upper half of its industry. The industry median ROE % is 6.67. Quanzhou Huixin Micro-credit Co's value of 9.10% is 36.4% above this benchmark. Historically, Quanzhou Huixin Micro-credit Co's own ROE % has ranged from 3.91 to 10.60 over the past decade. While the company's 10-year median is 6.81 vs. the industry median of 6.67, Quanzhou Huixin Micro-credit Co has consistently been above 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.67, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Quanzhou Huixin Micro-credit Co's current ROE % of 9.10% is 36.4% above 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Quanzhou Huixin Micro-credit Co and its competitors. For the Credit Services industry, the median ROE % is 6.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Quanzhou Huixin Micro-credit Co's current ROE % is 9.10%, which is 34% above median its own 10-year median of 6.81. 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 ROE % is 9.10%, which is 34% above median its 10-year median of 6.81 and 36.4% above the Credit Services industry median of 6.67. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Quanzhou Huixin Micro-credit Co (HKSE:01577), the current ROE % is 9.10% as of Dec. 2025. 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:
ROE %: 9.10% (34% above median its 10-year median of 6.81)
GF Value™: HK$0.90 vs. price of HK$1.03 (14.4% above fair value)
Industry Position: 36.4% above the Credit Services median (#237 of 531)
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
ROE % 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 
