---
title: "Vala Inc. (02051.HK)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/02051.HK.md"
symbol: "02051.HK"
name: "Vala Inc."
industry: "消费金融"
---

# Vala Inc. (02051.HK)

| Item | Detail |
|------|--------|
| Industry | 消费金融 |
| Location | 港股市场 |
| Website | [www.vala.life](https://www.vala.life) |

## Company Profile

Vala Inc(原名:51 信用卡有限公司) 是一家运营一款信用卡管理平台 51 信用卡管家应用程序的投资控股公司。该公司经营四个分部。信用卡便利和技术服务分部主要从事提供信贷撮合及服务。软件即服务 (SaaS) 业务分部主要由小蓝本业务和智慧零售业务以及银行运营管理业务组成。Valalife 服务费分部主要结合露营业务与 Vala 汽车业务。儿童游艺业务分部主要从事无人化智能游乐专区经营。

## 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 (0.53)**

**Industry**: Consumer Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 10 / 30 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Blend - Stocks in which the company has both growth and mature businesses.
- **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 | 23.54% |  |
| Net Profit YoY | -109.04% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 1.18 |  |
| Dividend Ratio | 0.00% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 978.00M |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 252.35M |  |


**Multi Score**: C

#### Profit Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | -8.49% | D |
| Profit Margin | -28.04% | E |
| Gross Margin | 1.57% | E |

#### Growth Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 23.54% | A |
| Net Profit YoY | -109.04% | E |
| Total Assets YoY | -10.06% | E |
| Net Assets YoY | 0.14% | C |

#### Cash Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | -356.65% | D |
| OCF YoY | 23.54% | A |

#### Operating Score: D

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.23 | D |

#### Debt Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 22.51% | B |


```chart-data:radar
{
  "title": "Longbridge Financial Score - Vala Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "E",
      "indicators": [
        {
          "name": "ROE",
          "value": "-8.49%",
          "rating": "D"
        },
        {
          "name": "Profit Margin",
          "value": "-28.04%",
          "rating": "E"
        },
        {
          "name": "Gross Margin",
          "value": "1.57%",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "C",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "23.54%",
          "rating": "A"
        },
        {
          "name": "Net Profit YoY",
          "value": "-109.04%",
          "rating": "E"
        },
        {
          "name": "Total Assets YoY",
          "value": "-10.06%",
          "rating": "E"
        },
        {
          "name": "Net Assets YoY",
          "value": "0.14%",
          "rating": "C"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "C",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "-356.65%",
          "rating": "D"
        },
        {
          "name": "OCF YoY",
          "value": "23.54%",
          "rating": "A"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "D",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.23",
          "rating": "D"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "B",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "22.51%",
          "rating": "B"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | 联合集团 (HK.373) | C | A | E | B | A | B |
| 02 | 新鸿基公司 (HK.86) | B | A | E | B | B | B |
| 03 | 威华达控股 (HK.622) | B | A | E | A | B | B |
| 04 | 丰银禾控股 (HK.8030) | A | C | C | B | D | B |
| 05 | 易鑫集团 (HK.2858) | B | B | D | D | B | C |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | -13.67 | 27/30 | - | - | - |
| PB | 1.18 | 24/30 | 1.18 | 0.96 | 0.48 |
| PS (TTM) | 3.66 | 21/30 | 3.66 | 3.16 | 1.88 |
| Dividend Yield | 0.00% | - | - | - | - |

## References

- [Company Overview](https://longbridge.com/en/quote/02051.HK/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/02051.HK/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/02051.HK/topics.md) - Community topics and discussions

---

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