---
title: "中国融众金融控股有限公司 (03963.HK)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/03963.HK.md"
symbol: "03963.HK"
name: "中国融众金融控股有限公司"
industry: "消费金融"
---

# 中国融众金融控股有限公司 (03963.HK)

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

## Company Profile

中国融众金融控股有限公司是一家主要提供融资租赁服务的中国香港投资控股公司。其提供融资租赁服务及向租赁客户提供作为增值服务的融资咨询服务。其融资租赁服务包括直接租赁及售后回租。该公司业务覆盖激光加工、塑料、工业加工、纺织及成衣以及酒店及休闲产业。其主要在中国湖北开展业务。该公司子公司包括融众资本集团有限公司、融众国际融资租赁集团有限公司以及融众国际融资租赁有限公司。

## 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: 2026-02-18T04:30:12.000Z

**Overall: C (0.55)**

**Industry**: Consumer Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 21 / 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 | 8.48% |  |
| Net Profit YoY | 38.17% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 5.97 |  |
| Dividend Ratio | 0.00% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 81.92M |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 84.75M |  |


**Multi Score**: C

#### Profit Score: D

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | -52.79% | E |
| Profit Margin | -9.22% | D |
| Gross Margin | 45.04% | B |

#### Growth Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 8.48% | B |
| Net Profit YoY | 38.17% | B |
| Total Assets YoY | -7.38% | D |
| Net Assets YoY | 9.53% | B |

#### Cash Score: D

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | -1084.30% | E |
| OCF YoY | 8.48% | B |

#### Operating Score: A

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.98 | A |

#### Debt Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 78.79% | E |


```chart-data:radar
{
  "title": "Longbridge Financial Score - 中国融众金融控股有限公司",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "D",
      "indicators": [
        {
          "name": "ROE",
          "value": "-52.79%",
          "rating": "E"
        },
        {
          "name": "Profit Margin",
          "value": "-9.22%",
          "rating": "D"
        },
        {
          "name": "Gross Margin",
          "value": "45.04%",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "B",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "8.48%",
          "rating": "B"
        },
        {
          "name": "Net Profit YoY",
          "value": "38.17%",
          "rating": "B"
        },
        {
          "name": "Total Assets YoY",
          "value": "-7.38%",
          "rating": "D"
        },
        {
          "name": "Net Assets YoY",
          "value": "9.53%",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "D",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "-1084.30%",
          "rating": "E"
        },
        {
          "name": "OCF YoY",
          "value": "8.48%",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "A",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.98",
          "rating": "A"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "E",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "78.79%",
          "rating": "E"
        }
      ]
    }
  ]
}
```

### 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) | C | 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) | -10.48 | 26/30 | - | - | - |
| PB | 5.97 | 27/30 | 9.54 | 8.40 | 6.58 |
| PS (TTM) | 0.94 | 7/30 | 1.89 | 1.74 | 1.12 |
| Dividend Yield | 0.00% | - | - | - | - |

## References

- [Company Overview](https://longbridge.com/en/quote/03963.HK/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/03963.HK/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/03963.HK/topics.md) - Community topics and discussions

---

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