---
title: "佐力科创小额贷款股份有限公司 (06866.HK)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/06866.HK.md"
symbol: "06866.HK"
name: "佐力科创小额贷款股份有限公司"
industry: "消费金融"
---

# 佐力科创小额贷款股份有限公司 (06866.HK)

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

## Company Profile

佐立科创小额贷款股份有限公司主要从事向从事农业业务的客户、从事农村发展活动的客户、居住农村地区的客户、各行各业的中小微企业以及经营生活品、农产品、文化用品及工业品的网上零售商提供融资方案业务。该公司于中国德清、湖州及浙江运营业务。该公司通过其子公司还从事投资及贸易业务。

## 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 (0.59)**

**Industry**: Consumer Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 17 / 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 | -33.63% |  |
| Net Profit YoY | -16.40% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 0.20 |  |
| Dividend Ratio | 3.66% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 448.40M |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 123.98M |  |


**Multi Score**: C

#### Profit Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 2.79% | C |
| Profit Margin | 48.67% | A |
| Gross Margin | 100.00% | A |

#### Growth Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | -33.63% | E |
| Net Profit YoY | -16.40% | D |
| Total Assets YoY | -4.99% | D |
| Net Assets YoY | 0.73% | C |

#### Cash Score: D

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | 205.45% | C |
| OCF YoY | -33.63% | E |

#### Operating Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.04 | E |

#### Debt Score: A

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 17.50% | A |


```chart-data:radar
{
  "title": "Longbridge Financial Score - 佐力科创小额贷款股份有限公司",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "2.79%",
          "rating": "C"
        },
        {
          "name": "Profit Margin",
          "value": "48.67%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "100.00%",
          "rating": "A"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "E",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "-33.63%",
          "rating": "E"
        },
        {
          "name": "Net Profit YoY",
          "value": "-16.40%",
          "rating": "D"
        },
        {
          "name": "Total Assets YoY",
          "value": "-4.99%",
          "rating": "D"
        },
        {
          "name": "Net Assets YoY",
          "value": "0.73%",
          "rating": "C"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "D",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "205.45%",
          "rating": "C"
        },
        {
          "name": "OCF YoY",
          "value": "-33.63%",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "E",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.04",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "A",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "17.50%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

### 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) | 7.23 | 6/30 | 7.92 | 6.75 | 5.40 |
| PB | 0.20 | 6/30 | 0.17 | 0.16 | 0.15 |
| PS (TTM) | 2.63 | 16/30 | 2.40 | 2.13 | 1.96 |
| Dividend Yield | 3.71% | 11/30 | 7.55% | 4.88% | 4.48% |

## References

- [Company Overview](https://longbridge.com/en/quote/06866.HK/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/06866.HK/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/06866.HK/topics.md) - Community topics and discussions

---

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