---
title: "Hanhua Financial Holding Co., Ltd. (03903.HK)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/03903.HK.md"
symbol: "03903.HK"
name: "Hanhua Financial Holding Co., Ltd."
industry: "Specialized Finance"
---

# Hanhua Financial Holding Co., Ltd. (03903.HK)

| Item | Detail |
|------|--------|
| Industry | Specialized Finance |
| Location | HK Market |
| Website | [www.hanhua.com](https://www.hanhua.com) |

## Company Profile

Hanhua Financial Holding Co., Ltd., together with its subsidiaries, provides financial services in the People’s Republic of China. It operates through Digital Services, Digital Finance, and Capital Investment and Financial Asset Management segments. The Digital Services segment provides standardized...

## 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: 2026-02-17T04:30:09.000Z

**Overall: C (0.59)**

**Industry**: Specialized Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 6 / 18 |
| 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 | -20.13% |  |
| Net Profit YoY | 676.53% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 0.10 |  |
| Dividend Ratio | 0.00% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 772.65M |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 418.00M |  |


**Multi Score**: C

#### Profit Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 0.58% | D |
| Profit Margin | 11.00% | B |
| Gross Margin | 66.31% | A |

#### Growth Score: D

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | -20.13% | E |
| Net Profit YoY | 676.53% | A |
| Total Assets YoY | 10.23% | B |
| Net Assets YoY | 0.29% | C |

#### Cash Score: D

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | 908.91% | B |
| OCF YoY | -20.13% | E |

#### Operating Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.03 | E |

#### Debt Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 38.72% | B |


```chart-data:radar
{
  "title": "Longbridge Financial Score - Hanhua Financial Holding Co., Ltd.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "0.58%",
          "rating": "D"
        },
        {
          "name": "Profit Margin",
          "value": "11.00%",
          "rating": "B"
        },
        {
          "name": "Gross Margin",
          "value": "66.31%",
          "rating": "A"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "D",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "-20.13%",
          "rating": "E"
        },
        {
          "name": "Net Profit YoY",
          "value": "676.53%",
          "rating": "A"
        },
        {
          "name": "Total Assets YoY",
          "value": "10.23%",
          "rating": "B"
        },
        {
          "name": "Net Assets YoY",
          "value": "0.29%",
          "rating": "C"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "D",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "908.91%",
          "rating": "B"
        },
        {
          "name": "OCF YoY",
          "value": "-20.13%",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "E",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.03",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "B",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "38.72%",
          "rating": "B"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | TONGTONG AI SOC (HK.628) | C | B | D | A | A | B |
| 02 | CSSC SHIPPING (HK.3877) | A | C | E | D | C | C |
| 03 | SY HOLDINGS (HK.6069) | A | C | E | D | D | C |
| 04 | HAITONG UT (HK.1905) | B | C | E | E | C | C |
| 05 | HAOSEN FINTECH (HK.3848) | C | C | E | B | C | C |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 16.60 | 6/18 | 16.60 | 16.60 | 16.60 |
| PB | 0.10 | 1/18 | 0.10 | 0.10 | 0.10 |
| PS (TTM) | 1.57 | 10/18 | 1.57 | 1.57 | 1.57 |
| Dividend Yield | 0.00% | - | - | - | - |

## References

- [Company Overview](https://longbridge.com/en/quote/03903.HK/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/03903.HK/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/03903.HK/topics.md) - Community topics and discussions

---

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