AI And China's Urbanization Will Transform Digital Finance

AnalystHighTarget

Not Invested

Community Contributor

Published

23 Jul 25

AnalystHighTarget's Fair Value

US$14.19

64.7% undervalued

10 Sep

US$5.01

59.0%

-0.8%

59.0%

-0.8%

You can edit this narrative until Jul 23 9:12 PM. Then, changes will post as Updates.

Author's Valuation

US$14.1964.7% undervalued

AnalystHighTarget Fair Value

Narrative

Updates0

AnalystHighTarget Fair Value

US$14.19

64.7% undervalued

Future estimation in

% p.a.

Decrease

Increase

Current revenue growth rate

13.87%

Consumer Finance revenue growth rate

0.82%

Risk Level (Discount Rate)

Our default considers factors like the company's size, volatility, profitablity and country of operation.

Decrease

Increase

Current discount rate

10.61%

Calculation

CN¥4.34b

Earnings '28

5.68x

PE Ratio '28

CN¥24.63b

Market Cap '28

CN¥24.63b

Market Cap '28

184.71m

No. shares '28

CN¥133.34

Share Price '28

CN¥133.34 Share Price '28

Discounted to 2025 @ 10.24% p.a.

CN¥99.54

Fair Value '25

CN¥99.54 Fair Value '25

Converted to USD @ 0.1404 CNY/USD Exchange Rate

US$13.98

Fair Value '25