Zuoli Kechuang Micro-finance Co (HKSE:06866) Scaled Net Operating Assets: 1.01 (As of Jun. 2026)

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HKSE:06866 Zuoli Kechuang Micro-finance Co Ltd HKSE:06866
34 GF Score
Price HK$0.29
GF Value HK$0.24
Valuation Modestly Overvalued
! 1 Warning Sign
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What is Zuoli Kechuang Micro-finance Co Scaled Net Operating Assets?

Zuoli Kechuang Micro-finance Co HKSE:06866 34 Scaled Net Operating Assets is 1.01 as of Jun. 2026. GuruFocus rates HKSE:06866 with a GF Score™ of 34/100 and a GF Value™ of HK$0.24 (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.

Zuoli Kechuang Micro-finance Co's operating assets for the quarter that ended in Jun. 2026 was HK$2,924.5 Mil. Zuoli Kechuang Micro-finance Co's operating liabilities for the quarter that ended in Jun. 2026 was HK$65.5 Mil. Zuoli Kechuang Micro-finance Co's Total Assets for the quarter that ended in Dec. 2025 was HK$2,825.7 Mil. Therefore, Zuoli Kechuang Micro-finance Co's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2026 was 1.01.

HKSE:06866
34GF Score
Zuoli Kechuang Micro-finance Co Ltd HKSE:06866
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Zuoli Kechuang Micro-finance 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.

Zuoli Kechuang Micro-finance 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 )
=(2799.694-84.216)/2753.013
=0.99

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2825.65 - 25.956
=2799.694

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=570.593 - 486.377 - 0
=84.216

Zuoli Kechuang Micro-finance Co's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jun. 2026 )
=(Operating Assets (Q: Jun. 2026 )-Operating Liabilities (Q: Jun. 2026 ))/Total Assets (Q: Dec. 2025 )
=(2924.504-65.538)/2825.65
=1.01

where

Operating Assets(Q: Jun. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2958.913 - 34.409
=2924.504

Operating Liabilities(Q: Jun. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=567.395 - 501.857 - 0
=65.538

* 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 1.01 mean?
Zuoli Kechuang Micro-finance Co (HKSE:06866) has a Scaled Net Operating Assets of 1.01 as of Jun. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Zuoli Kechuang Micro-finance Co and its competitors.
Is Zuoli Kechuang Micro-finance Co's Scaled Net Operating Assets too high?
Zuoli Kechuang Micro-finance Co's current Scaled Net Operating Assets is 1.01. Overall, Zuoli Kechuang Micro-finance Co has a GF Score™ of 34/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zuoli Kechuang Micro-finance Co's Scaled Net Operating Assets compare to V and MA?
Zuoli Kechuang Micro-finance Co's Scaled Net Operating Assets of 1.01 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 Zuoli Kechuang Micro-finance Co and its competitors. Zuoli Kechuang Micro-finance Co's current Scaled Net Operating Assets is 1.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zuoli Kechuang Micro-finance Co stock overvalued right now?
Based on GuruFocus' analysis, Zuoli Kechuang Micro-finance Co (HKSE:06866) is currently considered Modestly Overvalued. The stock's GF Value™ is HK$0.24, compared to a current price of HK$0.29 — trading 18.8% above its estimated fair value. The current Scaled Net Operating Assets is 1.01. Zuoli Kechuang Micro-finance Co's overall GF Score™ is 34/100 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 Zuoli Kechuang Micro-finance Co (HKSE:06866), the current Scaled Net Operating Assets is 1.01 as of Jun. 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 Zuoli Kechuang Micro-finance Co (HKSE:06866) Overvalued in 2026?

Based on GuruFocus' analysis, Zuoli Kechuang Micro-finance Co stock appears to be overvalued. The current stock price of HK$0.29 is trading 18.8% above its estimated GF Value™ of HK$0.24. GuruFocus considers Zuoli Kechuang Micro-finance Co to be Modestly Overvalued.

Key valuation signals for HKSE:06866:

  • Scaled Net Operating Assets: 1.01
  • GF Value™: HK$0.24 vs. price of HK$0.29 (18.8% above fair value)
  • GF Score™: 34/100 with 1 warning sign

No single metric tells the full story. See the HKSE:06866 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Zuoli Kechuang Micro-finance Co Business Description

Address No. 399 Deqing Avenue, Wukang Road, Deqing County, Zhejiang Province, Huzhou, CHN, 313200
Zuoli Kechuang Micro-finance Co Ltd is engaged in providing unsecured loans, guaranteed loans, collateralized loans, pledged loans, agriculture loans, individual business loans, other individual loans and loans for agricultural businesses, customers engaged in rural development activities, and/or customers residing in rural areas, SMEs and microenterprises in various industries, as well as online retailers in the businesses of lifestyle products, agricultural products, cultural supplies, and industrial products. The company generates revenue in the form of interest.
34GF Score

Get the complete analysis for HKSE:06866

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

HK$0.29
Price
HK$0.24
GF Value