Announcement • Apr 16
Zuoli Kechuang Micro-finance Company Limited to Report Q1, 2026 Results on Apr 27, 2026 Zuoli Kechuang Micro-finance Company Limited announced that they will report Q1, 2026 results on Apr 27, 2026 Announcement • Mar 20
Zuoli Kechuang Micro-finance Company Limited, Annual General Meeting, Jun 18, 2026 Zuoli Kechuang Micro-finance Company Limited, Annual General Meeting, Jun 18, 2026. Location: conference room, 3th floor, zuoli building, no. 399 deqing avenue, wukang road, deqing county, zhejiang province, huzhou China Announcement • Mar 10
Zuoli Kechuang Micro-finance Company Limited to Report Fiscal Year 2025 Results on Mar 20, 2026 Zuoli Kechuang Micro-finance Company Limited announced that they will report fiscal year 2025 results on Mar 20, 2026 Buy Or Sell Opportunity • Feb 10
Now 20% undervalued Over the last 90 days, the stock has risen 38% to HK$0.39. The fair value is estimated to be HK$0.48, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 16% over the last 3 years. Earnings per share has declined by 24%. Buy Or Sell Opportunity • Jan 22
Now 21% undervalued Over the last 90 days, the stock has risen 34% to HK$0.39. The fair value is estimated to be HK$0.49, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 16% over the last 3 years. Earnings per share has declined by 24%. Announcement • Oct 16
Zuoli Kechuang Micro-finance Company Limited to Report Q3, 2025 Results on Oct 28, 2025 Zuoli Kechuang Micro-finance Company Limited announced that they will report Q3, 2025 results on Oct 28, 2025 New Risk • Aug 17
New minor risk - Profit margin trend The company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 37% Last year net profit margin: 55% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 13% per year over the past 5 years. Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Profit margins are more than 30% lower than last year (37% net profit margin). Significant insider selling over the past 3 months (HK$6.5m sold). Market cap is less than US$100m (HK$377.6m market cap, or US$48.2m). Announcement • Aug 06
Zuoli Kechuang Micro-finance Company Limited to Report First Half, 2025 Results on Aug 15, 2025 Zuoli Kechuang Micro-finance Company Limited announced that they will report first half, 2025 results on Aug 15, 2025 Upcoming Dividend • Jun 20
Upcoming dividend of HK$0.014 per share Eligible shareholders must have bought the stock before 27 June 2025. Payment date: 29 August 2025. Payout ratio is a comfortable 38% and this is well supported by cash flows. Trailing yield: 4.7%. Lower than top quartile of Hong Kong dividend payers (7.5%). In line with average of industry peers (5.0%). Announcement • Jun 13
Zuoli Kechuang Micro-Finance Company Limited Approves Final Dividend for the Year Ended 31 December 2024, Payable on 29 August 2025 Zuoli Kechuang Micro-finance Company Limited at its Annual General Meeting Held on 13 June 2025 considered and approved the proposal for the payment of a final dividend of RMB 0.0127 per Share (before tax) for the year ended 31 December 2024 to the Shareholders was approved at the AGM. It is expected that the final dividend will be paid on 29 August 2025. Declared Dividend • Apr 28
Dividend of CN¥0.013 announced Shareholders will receive a dividend of CN¥0.013. Ex-date: 27th June 2025 Payment date: 29th August 2025 Dividend yield will be 4.2%, which is lower than the industry average of 7.5%. Sustainability & Growth Dividend is well covered by both earnings (24% earnings payout ratio) and cash flows (9% cash payout ratio). The dividend has decreased over the past 96 years, indicating a lack of growth and stability in payments. The company's earnings per share (EPS) would need to decline by 73% to shift the payout ratio to a potentially unsustainable range, which is more than the 21% EPS decline seen over the last 5 years. Announcement • Apr 11
Zuoli Kechuang Micro-finance Company Limited to Report Q1, 2025 Results on Apr 25, 2025 Zuoli Kechuang Micro-finance Company Limited announced that they will report Q1, 2025 results at 4:00 PM, China Standard Time on Apr 25, 2025 Announcement • Mar 22
Zuoli Kechuang Micro-finance Company Limited Proposes Ordinary Final Cash Dividend for the Financial Year Ended 31 December 2024, Payable on 29 August 2025 Zuoli Kechuang Micro-finance Company Limited proposed ordinary final cash dividend of RMB 0.0127 per share for the financial year ended 31 December 2024, payable on 29 August 2025. Date of shareholders' approval is 13 June 2025. Announcement • Mar 19
Zuoli Kechuang Micro-finance Company Limited, Annual General Meeting, Jun 13, 2025 Zuoli Kechuang Micro-finance Company Limited, Annual General Meeting, Jun 13, 2025. Location: conference room, 3th floor, zuoli building, no. 399 deqing avenue, wukang road, deqing county, huzhou city, zhejiang province, China Announcement • Mar 06
Zuoli Kechuang Micro-finance Company Limited to Report Fiscal Year 2024 Results on Mar 18, 2025 Zuoli Kechuang Micro-finance Company Limited announced that they will report fiscal year 2024 results on Mar 18, 2025 Board Change • Feb 06
Less than half of directors are independent There is 1 new director who has joined the board in the last 3 years. The new board member was not an independent director. The company's board is composed of: 1 new director. 5 experienced directors. 5 highly experienced directors. 3 independent directors (5 non-independent directors). Independent Non-Executive Director Kin Man Chan was the last independent director to join the board, commencing their role in 2020. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. New Risk • Oct 26
New minor risk - Earnings quality The company has large one-off items impacting its financial results. One-off items were 28% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 8.8% per year over the past 5 years. Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (35% net profit margin). Market cap is less than US$100m (HK$365.8m market cap, or US$47.1m). Announcement • Oct 15
Zuoli Kechuang Micro-finance Company Limited to Report Nine Months, 2024 Results on Oct 25, 2024 Zuoli Kechuang Micro-finance Company Limited announced that they will report nine months, 2024 results on Oct 25, 2024 Announcement • Aug 07
Zuoli Kechuang Micro-finance Company Limited to Report First Half, 2025 Results on Aug 16, 2024 Zuoli Kechuang Micro-finance Company Limited announced that they will report first half, 2025 results on Aug 16, 2024 Announcement • Jun 25
Zuoli Kechuang Micro-Finance Company Limited Approves Final Dividend for the Year Ended 31 December 2023, Payable on 30 August 2024 Zuoli Kechuang Micro-finance Company Limited announced at the AGM held on June 25, 2024, approved payment of a final dividend of RMB 0.02 per Share (before tax) for the year ended 31 December 2023 to the Shareholders was approved at the AGM. It is expected that the final dividend will be paid on 30 August 2024. Ex-dividend date is 27 June 2024. Record date is 08 July 2024. Announcement • Apr 17
Zuoli Kechuang Micro-finance Company Limited to Report Q1, 2024 Results on Apr 26, 2024 Zuoli Kechuang Micro-finance Company Limited announced that they will report Q1, 2024 results at 12:30 PM, China Standard Time on Apr 26, 2024 Announcement • Mar 16
Zuoli Kechuang Micro-finance Company Limited, Annual General Meeting, Jun 25, 2024 Zuoli Kechuang Micro-finance Company Limited, Annual General Meeting, Jun 25, 2024. Location: Conference Room, 3th Floor, Zuoli Building No. 399 Deqing Avenue, Wukang Road, Deqing County Huzhou City Zhejiang Province China Agenda: To approve final dividend for the yea ended Dec. 31, 2023. Announcement • Mar 15
Zuoli Kechuang Micro-Finance Company Limited Proposes Final Dividend for the Year Ended 31 December 2023 Zuoli Kechuang Micro-finance Company Limited proposed payment of a final dividend of RMB 0.02 per share for the year ended 31 December 2023. Date of shareholders' approval is 25 June 2024. Announcement • Mar 06
Zuoli Kechuang Micro-finance Company Limited to Report Fiscal Year 2023 Results on Mar 15, 2024 Zuoli Kechuang Micro-finance Company Limited announced that they will report fiscal year 2023 results on Mar 15, 2024 New Risk • Oct 29
New minor risk - Earnings quality The company has large one-off items impacting its financial results. One-off items were 30% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 8.3% per year over the past 5 years. Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Large one-off items impacting financial results. Market cap is less than US$100m (HK$401.2m market cap, or US$51.3m). Announcement • Oct 17
Zuoli Kechuang Micro-finance Company Limited to Report Nine Months, 2023 Results on Oct 27, 2023 Zuoli Kechuang Micro-finance Company Limited announced that they will report nine months, 2023 results on Oct 27, 2023 New Risk • Aug 20
New minor risk - Earnings quality The company has large one-off items impacting its financial results. One-off items were 29% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 9.3% per year over the past 5 years. Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Large one-off items impacting financial results. Market cap is less than US$100m (HK$348.1m market cap, or US$44.4m). Announcement • Aug 09
Zuoli Kechuang Micro-finance Company Limited to Report First Half, 2023 Results on Aug 18, 2023 Zuoli Kechuang Micro-finance Company Limited announced that they will report first half, 2023 results on Aug 18, 2023 Upcoming Dividend • Jul 14
Upcoming dividend of HK$0.043 per share at 13% yield Eligible shareholders must have bought the stock before 21 July 2023. Payment date: 31 August 2023. Payout ratio is a comfortable 54% but the company is not cash flow positive. Trailing yield: 13%. Within top quartile of Hong Kong dividend payers (7.7%). Higher than average of industry peers (6.2%). Announcement • Jun 30
Zuoli Kechuang Micro-Finance Company Limited Approves Final Dividend for the Year Ended 31 December 2022, Payable on August 31, 2023 Zuoli Kechuang Micro-finance Company Limited approved the payment of a final dividend of RMB 0.04 per share for the year ended 31 December 2022. Date of shareholders' approval is 29 June 2023. Ex-dividend date is 21 July 2023. Record date is 31 July 2023. Payment date is 31 August 2023. Board Change • Nov 16
Less than half of directors are independent There are 5 new directors who have joined the board in the last 3 years. Of these new board members, 3 were independent directors. The company's board is composed of: 3 independent directors. 5 non-independent directors. Independent Non-Executive Director Kin Man Chan was the last independent director to join the board, commencing their role in 2020. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Lack of board continuity. Announcement • Oct 19
Zuoli Kechuang Micro-finance Company Limited to Report Q3, 2022 Results on Oct 28, 2022 Zuoli Kechuang Micro-finance Company Limited announced that they will report Q3, 2022 results on Oct 28, 2022 Announcement • Aug 12
Zuoli Kechuang Micro-Finance Company Limited Approves Final Dividend for the Year Ended 31 December 2021, Payable on Around 1 September 2022 Zuoli Kechuang Micro-finance Company Limited recommended the payment of the Final Dividend of RMB 0.05 per Share for the year ended 31 December 2021 to the Shareholders was approved at the AGM. It is expected that the final dividend will be paid on or around 1 September 2022. In order to determine the Shareholders who are entitled to the receipt of the abovementioned 2021 final dividend, the register of members of the Company will be closed from 5 July 2022 to 11 July 2022, both days inclusive. Announcement • Jun 24
Zuoli Kechuang Micro-Finance Company Limited Approves Final Dividend for the Year Ended 31 December 2021, Payable on Around 12 August 2022 Zuoli Kechuang Micro-finance Company Limited at its AGM held on June 23, 2022 approved final dividend of RMB 0.05 per Share for the year ended 31 December 2021 to the Shareholders was approved at the AGM. It is expected that the final dividend will be paid on or around 12 August 2022. In order to determine the Shareholders who are entitled to the receipt of the abovementioned 2021 final dividend, the register of members of the Company will be closed from 5 July 2022 to 11 July 2022, both days inclusive. Upcoming Dividend • Jun 23
Upcoming dividend of CN¥0.05 per share Eligible shareholders must have bought the stock before 30 June 2022. Payment date: 12 August 2022. Trailing yield: 14%. Within top quartile of Hong Kong dividend payers (7.9%). Higher than average of industry peers (4.2%). Board Change • Apr 27
Less than half of directors are independent There are 6 new directors who have joined the board in the last 3 years. Of these new board members, 3 were independent directors. The company's board is composed of: 3 independent directors. 5 non-independent directors. Independent Non-Executive Director Kin Man Chan was the last independent director to join the board, commencing their role in 2020. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Lack of board continuity. Announcement • Mar 20
Zuoli Kechuang Micro-finance Company Limited, Annual General Meeting, Jun 29, 2021 Zuoli Kechuang Micro-finance Company Limited, Annual General Meeting, Jun 29, 2021. Location: Conference Room, 3th Floor, Zuoli Building No. 399 Deqing Avenue, Wukang Road, Deqing Count Huzhou City Zhejiang Province China Announcement • Mar 10
Zuoli Kechuang Micro-finance Company Limited to Report Fiscal Year 2020 Results on Mar 19, 2021 Zuoli Kechuang Micro-finance Company Limited announced that they will report fiscal year 2020 results on Mar 19, 2021 Is New 90 Day High Low • Feb 17
New 90-day high: HK$0.43 The company is up 15% from its price of HK$0.38 on 19 November 2020. The Hong Kong market is up 17% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Consumer Finance industry, which is up 27% over the same period. Is New 90 Day High Low • Nov 06
New 90-day high: HK$0.39 The company is up 3.0% from its price of HK$0.38 on 07 August 2020. The Hong Kong market is up 4.0% over the last 90 days, indicating the company underperformed over that time. However, it outperformed the Consumer Finance industry, which is down 6.0% over the same period. Announcement • Oct 20
Zuoli Kechuang Micro-finance Company Limited to Report Q3, 2020 Results on Oct 30, 2020 Zuoli Kechuang Micro-finance Company Limited announced that they will report Q3, 2020 results on Oct 30, 2020 Announcement • Aug 12
Zuoli Kechuang Micro-finance Company Limited to Report First Half, 2020 Results on Aug 21, 2020 Zuoli Kechuang Micro-finance Company Limited announced that they will report first half, 2020 results on Aug 21, 2020 
