Quanzhou Huixin Micro-credit Co (HKSE:01577) Scaled Net Operating Assets: 1.02 (As of Dec. 2025)

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HKSE:01577 Quanzhou Huixin Micro-credit Co Ltd HKSE:01577
45 GF Score
Price HK$1.03
GF Value HK$0.90
Valuation Modestly Overvalued
! 1 Warning Sign
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What is Quanzhou Huixin Micro-credit Co Scaled Net Operating Assets?

Quanzhou Huixin Micro-credit Co HKSE:01577 45 Scaled Net Operating Assets is 1.02 as of Dec. 2025. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Quanzhou Huixin Micro-credit Co's operating assets for the quarter that ended in Dec. 2025 was HK$1,518.2 Mil. Quanzhou Huixin Micro-credit Co's operating liabilities for the quarter that ended in Dec. 2025 was HK$41.0 Mil. Quanzhou Huixin Micro-credit Co's Total Assets for the quarter that ended in Jun. 2025 was HK$1,445.7 Mil. Therefore, Quanzhou Huixin Micro-credit Co's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 1.02.

HKSE:01577
45GF Score
Quanzhou Huixin Micro-credit Co Ltd HKSE:01577
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Quanzhou Huixin Micro-credit Co Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Quanzhou Huixin Micro-credit Co's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1518.183-40.987)/1322.962
=1.12

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1583.724 - 65.541
=1518.183

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=161.719 - 120.732 - 0
=40.987

Quanzhou Huixin Micro-credit Co's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Jun. 2025 )
=(1518.183-40.987)/1445.73
=1.02

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1583.724 - 65.541
=1518.183

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=161.719 - 120.732 - 0
=40.987

* 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.

What does a Scaled Net Operating Assets of 1.02 mean?
Quanzhou Huixin Micro-credit Co (HKSE:01577) has a Scaled Net Operating Assets of 1.02 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Quanzhou Huixin Micro-credit Co and its competitors.
Is Quanzhou Huixin Micro-credit Co's Scaled Net Operating Assets too high?
Quanzhou Huixin Micro-credit Co's current Scaled Net Operating Assets is 1.02. 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 Scaled Net Operating Assets compare to V and MA?
Quanzhou Huixin Micro-credit Co's Scaled Net Operating Assets of 1.02 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Quanzhou Huixin Micro-credit Co and its competitors. Quanzhou Huixin Micro-credit Co's current Scaled Net Operating Assets is 1.02. 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 Scaled Net Operating Assets is 1.02. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Quanzhou Huixin Micro-credit Co (HKSE:01577), the current Scaled Net Operating Assets is 1.02 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:

  • Scaled Net Operating Assets: 1.02
  • GF Value™: HK$0.90 vs. price of HK$1.03 (14.4% above fair value)
  • GF Score™: 45/100 with 1 warning sign

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 Business Description

Address No. 105 Daxing Street, 35th Floor, Huijin International Center, Fengze District, QuanZhou, Fujian, CHN
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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

HK$1.03
Price
HK$0.90
GF Value