---
title: "Sunny Loan Top Co.,Ltd. (600830.SH)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/600830.SH.md"
symbol: "600830.SH"
name: "Sunny Loan Top Co.,Ltd."
industry: "Consumer Finance"
datetime: "2026-05-20T03:06:43.011Z"
locales:
  - [en](https://longbridge.com/en/quote/600830.SH.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/600830.SH.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/600830.SH.md)
---

# Sunny Loan Top Co.,Ltd. (600830.SH)

## Company Overview

Sunny Loan Top Co.,Ltd. engages in the pawn, guarantee, financial leasing, and wealth management businesses in China. The company offers real estate, motor vehicle, civilian goods, and stock pawns, as well as joint guarantee, guarantee, inventory pledge, and real estate loans; and other pawn and loan products. It also engages in bidding treasure, engineering treasure, cluster treasure, and other financing guarantee business; and carries out financial leasing, operating leasing, entrusted leasing, joint financial leasing, leasing asset management, financial leasing consulting, and other businesses.

| Item | Detail |
|------|--------|
| Industry | Consumer Finance |
| Exchange | CN Market |
| Website | [www.sunnyloantop.cn](https://www.sunnyloantop.cn) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: C
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-19T04:30:08.000Z

**Overall: C (0.58)**

**Industry**: Consumer Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 1 / 2 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

**Multi Score**: C

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 8.31% |  |
| Net Profit YoY | 48.80% |  |
| P/B Ratio | 2.01 |  |
| Dividend Ratio | 0.15% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 4543427970.31 |  |
| Revenue | 471567490.47 |  |

#### Multi Score Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 3.69% | C |
| Profit Margin | 17.43% | A |
| Gross Margin | 62.63% | A |
| Revenue YoY | 8.31% | B |
| Net Profit YoY | 48.80% | B |
| Total Assets YoY | 22.79% | A |
| Net Assets YoY | 3.33% | C |
| Cash Flow Margin | -1524.72% | E |
| OCF YoY | 8.31% | B |
| Turnover | 0.08 | E |
| Gearing Ratio | 57.43% | D |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Sunny Loan Top Co.,Ltd.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "8.31%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "48.80%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "2.01",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "0.15%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "4543427970.31",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "471567490.47",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "3.69%",
          "rating": "C"
        },
        {
          "name": "Profit Margin",
          "value": "17.43%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "62.63%",
          "rating": "A"
        },
        {
          "name": "Revenue YoY",
          "value": "8.31%",
          "rating": "B"
        },
        {
          "name": "Net Profit YoY",
          "value": "48.80%",
          "rating": "B"
        },
        {
          "name": "Total Assets YoY",
          "value": "22.79%",
          "rating": "A"
        },
        {
          "name": "Net Assets YoY",
          "value": "3.33%",
          "rating": "C"
        },
        {
          "name": "Cash Flow Margin",
          "value": "-1524.72%",
          "rating": "E"
        },
        {
          "name": "OCF YoY",
          "value": "8.31%",
          "rating": "B"
        },
        {
          "name": "Turnover",
          "value": "0.08",
          "rating": "E"
        },
        {
          "name": "Gearing Ratio",
          "value": "57.43%",
          "rating": "D"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 54.90 | 1/2 | 81.03 | 66.81 | 58.21 |
| PB | 1.99 | 1/2 | 2.10 | 2.00 | 1.91 |
| PS (TTM) | 9.57 | 1/2 | 10.36 | 9.71 | 9.24 |
| Dividend Yield | 0.15% | 2/2 | 0.16% | 0.15% | 0.15% |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | SUNNY LOAN TOP (600830.SH) | B | B | E | D | D | C |
| 02 | XINLI FINANCE (600318.SH) | B | C | E | C | D | C |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/600830.SH/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/600830.SH/norm.md)
- [Related News](https://longbridge.com/en/quote/600830.SH/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/600830.SH/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**