---
title: "Quanzhou Huixin Micro-credit Co., Ltd. (01577.HK)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/01577.HK.md"
symbol: "01577.HK"
name: "Quanzhou Huixin Micro-credit Co., Ltd."
industry: "Consumer Finance"
---

# Quanzhou Huixin Micro-credit Co., Ltd. (01577.HK)

| Item | Detail |
|------|--------|
| Industry | Consumer Finance |
| Location | HK Market |
| Website | [www.qzhuixin.net](https://www.qzhuixin.net) |

## Company Profile

Quanzhou Huixin Micro-credit Co., Ltd., a microfinance company, provides various short-term financing solutions to entrepreneurial individuals, small and medium-sized enterprises, and microenterprises in the People’s Republic of China. It offers revolving credit, joint-guaranteed, targeted payment, ...

## 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: 2026-02-20T04:30:10.000Z

**Overall: C (0.44)**

**Industry**: Consumer Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 13 / 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 | 0.27% |  |
| Net Profit YoY | 60.71% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 0.53 |  |
| Dividend Ratio | 5.20% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 714.01M |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 108.39M |  |


**Multi Score**: C

#### Profit Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 8.50% | B |
| Profit Margin | 101.52% | A |
| Gross Margin | 75.84% | A |

#### Growth Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 0.27% | C |
| Net Profit YoY | 60.71% | B |
| Total Assets YoY | 3.98% | C |
| Net Assets YoY | 0.70% | C |

#### Cash Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | 98.50% | C |
| OCF YoY | 0.27% | C |

#### Operating Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.08 | E |

#### Debt Score: A

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 6.98% | A |


```chart-data:radar
{
  "title": "Longbridge Financial Score - Quanzhou Huixin Micro-credit Co., Ltd.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "8.50%",
          "rating": "B"
        },
        {
          "name": "Profit Margin",
          "value": "101.52%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "75.84%",
          "rating": "A"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "C",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "0.27%",
          "rating": "C"
        },
        {
          "name": "Net Profit YoY",
          "value": "60.71%",
          "rating": "B"
        },
        {
          "name": "Total Assets YoY",
          "value": "3.98%",
          "rating": "C"
        },
        {
          "name": "Net Assets YoY",
          "value": "0.70%",
          "rating": "C"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "C",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "98.50%",
          "rating": "C"
        },
        {
          "name": "OCF YoY",
          "value": "0.27%",
          "rating": "C"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "E",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.08",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "A",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "6.98%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | ALLIED GROUP (HK.373) | C | A | E | B | A | B |
| 02 | SUN HUNG KAI CO (HK.86) | B | A | E | B | B | B |
| 03 | OSHIDORI (HK.622) | B | A | E | A | B | B |
| 04 | FENGYINHE (HK.8030) | A | C | C | B | D | B |
| 05 | YIXIN (HK.2858) | B | B | D | D | B | C |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 6.42 | 4/30 | 6.87 | 6.11 | 5.70 |
| PB | 0.53 | 17/30 | 0.52 | 0.50 | 0.45 |
| PS (TTM) | 5.88 | 26/30 | 5.60 | 5.23 | 4.75 |
| Dividend Yield | 5.20% | 9/30 | 6.21% | 5.61% | 5.46% |

## References

- [Company Overview](https://longbridge.com/en/quote/01577.HK/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/01577.HK/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/01577.HK/topics.md) - Community topics and discussions

---

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