---
title: "中國匯融金融控股有限公司 (01290.HK)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/01290.HK.md"
symbol: "01290.HK"
name: "中國匯融金融控股有限公司"
industry: "消費金融"
---

# 中國匯融金融控股有限公司 (01290.HK)

| Item | Detail |
|------|--------|
| Industry | 消費金融 |
| Location | 港股市場 |
| Website | [www.cnhuirong.com](https://www.cnhuirong.com) |

## Company Profile

中國匯融金融控股有限公司是一家主要從事發放抵押貸款及非抵押貸款提供借貸服務的公司。該公司通過兩個部門開展業務。普惠金融事業部門主要在中國境內提供貸款服務。從產品角度,普惠金融事業部主要通過抵押類貸款和非抵押類貸款向客戶提供貸款服務。生態金融事業部門主要致力於供應鏈科技、科技助貸、保理、保險仲介及股權投資業務。該公司主要在中國國內市場開展業務。

## Financial Score

> *Longbridge Financial Score™ — Proprietary multi-factor rating model by [Longbridge](https://longbridge.com). This score is independently calculated by Longbridge and is not affiliated with any third-party rating agency.*
> Updated: 2026-02-21T04:30:11.000Z

**Overall: C (0.55)**

**Industry**: Consumer Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 15 / 30 |
| 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.

### Score Analysis

**Style Score**: 

#### Growth Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | -5.68% |  |
| Net Profit YoY | 6.63% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 0.29 |  |
| Dividend Ratio | 5.36% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 610.59M |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 700.92M |  |


**Multi Score**: C

#### Profit Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 2.78% | C |
| Profit Margin | 8.14% | B |
| Gross Margin | 22.73% | D |

#### Growth Score: D

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | -5.68% | D |
| Net Profit YoY | 6.63% | C |
| Total Assets YoY | -4.59% | D |
| Net Assets YoY | 3.09% | C |

#### Cash Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | 1227.98% | B |
| OCF YoY | -5.68% | D |

#### Operating Score: D

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.19 | D |

#### Debt Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 33.69% | B |


```chart-data:radar
{
  "title": "Longbridge Financial Score - 中國匯融金融控股有限公司",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "2.78%",
          "rating": "C"
        },
        {
          "name": "Profit Margin",
          "value": "8.14%",
          "rating": "B"
        },
        {
          "name": "Gross Margin",
          "value": "22.73%",
          "rating": "D"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "D",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "-5.68%",
          "rating": "D"
        },
        {
          "name": "Net Profit YoY",
          "value": "6.63%",
          "rating": "C"
        },
        {
          "name": "Total Assets YoY",
          "value": "-4.59%",
          "rating": "D"
        },
        {
          "name": "Net Assets YoY",
          "value": "3.09%",
          "rating": "C"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "C",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "1227.98%",
          "rating": "B"
        },
        {
          "name": "OCF YoY",
          "value": "-5.68%",
          "rating": "D"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "D",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.19",
          "rating": "D"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "B",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "33.69%",
          "rating": "B"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | 聯合集團 (HK.373) | C | A | E | B | A | B |
| 02 | 新鴻基公司 (HK.86) | B | A | E | B | B | B |
| 03 | 威華達控股 (HK.622) | B | A | E | A | B | B |
| 04 | 豐銀禾控股 (HK.8030) | A | C | C | B | D | B |
| 05 | 易鑫集團 (HK.2858) | B | B | D | D | B | C |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 10.58 | 11/30 | 12.80 | 12.20 | 11.33 |
| PB | 0.29 | 12/30 | 0.35 | 0.32 | 0.31 |
| PS (TTM) | 3.41 | 20/30 | 3.82 | 3.54 | 3.41 |
| Dividend Yield | 5.36% | 8/30 | 5.00% | 4.76% | 3.33% |

## References

- [Company Overview](https://longbridge.com/en/quote/01290.HK/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/01290.HK/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/01290.HK/topics.md) - Community topics and discussions

---

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