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Easy Repay Finance & Investment

SEHK:8079
Snowflake Description

Adequate balance sheet and fair value.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
8079
SEHK
HK$65M
Market Cap
  1. Home
  2. HK
  3. Diversified Financials
Company description

Easy Repay Finance & Investment Limited engages in money lending, financial instruments and quoted shares investment, and retail and wholesale businesses in Hong Kong. The last earnings update was 40 days ago. More info.


Add to Portfolio Compare Print
  • Easy Repay Finance & Investment has significant price volatility in the past 3 months.
8079 Share Price and Events
7 Day Returns
0%
SEHK:8079
-0.4%
HK Consumer Finance
0.5%
HK Market
1 Year Returns
-49.1%
SEHK:8079
-36.3%
HK Consumer Finance
-6.9%
HK Market
8079 Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Easy Repay Finance & Investment (8079) 0% -3.3% 5.4% -49.1% -58.5% -78.9%
HK Consumer Finance -0.4% 0.6% 6.6% -36.3% -31.9% -22.1%
HK Market 0.5% 1.5% 13.6% -6.9% 30.2% 18.6%
1 Year Return vs Industry and Market
  • 8079 underperformed the Consumer Finance industry which returned -36.3% over the past year.
  • 8079 underperformed the Market in Hong Kong which returned -6.9% over the past year.
Price Volatility
8079
Industry
5yr Volatility vs Market

8079 Value

 Is Easy Repay Finance & Investment undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Easy Repay Finance & Investment to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Easy Repay Finance & Investment.

SEHK:8079 Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= HK$2.17 * 5.5%
HK$0.12
Book Value of Equity per Share Median Book Value from the past 5 years. HK$2.17
Discount Rate (Cost of Equity) See below 8.1%
Perpetual Growth Rate 10-Year HK Government Bond Rate 2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for SEHK:8079
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year HK Govt Bond Rate 2%
Equity Risk Premium S&P Global 6.7%
Consumer Finance Unlevered Beta Simply Wall St/ S&P Global 0.67
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.672 (1 + (1- 25%) (40.63%))
0.917
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.92
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2% + (0.917 * 6.65%)
8.1%

Discounted Cash Flow Calculation for SEHK:8079 using Excess Returns Model Model

The calculations below outline how an intrinsic value for Easy Repay Finance & Investment is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

SEHK:8079 Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (5.5% – 8.1%) * HK$2.17)
HK$-0.06
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= HK$-0.06 / (8.1% - 2%)
HK$-0.94
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= HK$2.17 + HK$-0.94
HK$1.23
SEHK:8079 Discount to Share Price
Calculation Result
Value per share (HKD) From above. HK$1.23
Current discount Discount to share price of HK$0.30
= -1 x (HK$0.30 - HK$1.23) / HK$1.23
76%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Easy Repay Finance & Investment is available for.
Intrinsic value
>50%
Share price is HK$0.3 vs Future cash flow value of HK$1.23
Current Discount Checks
For Easy Repay Finance & Investment to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Easy Repay Finance & Investment's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Easy Repay Finance & Investment's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Easy Repay Finance & Investment's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Easy Repay Finance & Investment's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
SEHK:8079 PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in HKD HK$-0.14
SEHK:8079 Share Price ** SEHK (2019-03-22) in HKD HK$0.3
Hong Kong Consumer Finance Industry PE Ratio Median Figure of 18 Publicly-Listed Consumer Finance Companies 8.62x
Hong Kong Market PE Ratio Median Figure of 1,493 Publicly-Listed Companies 10.96x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Easy Repay Finance & Investment.

SEHK:8079 PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= SEHK:8079 Share Price ÷ EPS (both in HKD)

= 0.3 ÷ -0.14

-2.09x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Easy Repay Finance & Investment is loss making, we can't compare its value to the HK Consumer Finance industry average.
  • Easy Repay Finance & Investment is loss making, we can't compare the value of its earnings to the Hong Kong market.
Price based on expected Growth
Does Easy Repay Finance & Investment's expected growth come at a high price?
Raw Data
SEHK:8079 PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -2.09x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
35.2%per year
Asia Consumer Finance Industry PEG Ratio Median Figure of 17 Publicly-Listed Consumer Finance Companies 1.13x
Hong Kong Market PEG Ratio Median Figure of 471 Publicly-Listed Companies 0.83x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Easy Repay Finance & Investment, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Easy Repay Finance & Investment's assets?
Raw Data
SEHK:8079 PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in HKD HK$2.15
SEHK:8079 Share Price * SEHK (2019-03-22) in HKD HK$0.3
Hong Kong Consumer Finance Industry PB Ratio Median Figure of 27 Publicly-Listed Consumer Finance Companies 0.7x
Hong Kong Market PB Ratio Median Figure of 2,138 Publicly-Listed Companies 0.99x
SEHK:8079 PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= SEHK:8079 Share Price ÷ Book Value per Share (both in HKD)

= 0.3 ÷ 2.15

0.14x

* Primary Listing of Easy Repay Finance & Investment.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Easy Repay Finance & Investment is good value based on assets compared to the HK Consumer Finance industry average.
X
Value checks
We assess Easy Repay Finance & Investment's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. Easy Repay Finance & Investment has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

8079 Future Performance

 How is Easy Repay Finance & Investment expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

  • No analysts cover Easy Repay Finance & Investment, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
35.2%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Easy Repay Finance & Investment expected to grow at an attractive rate?
  • Easy Repay Finance & Investment's earnings growth is expected to exceed the low risk savings rate of 2%.
Growth vs Market Checks
  • Easy Repay Finance & Investment's earnings growth is expected to exceed the Hong Kong market average.
  • Unable to compare Easy Repay Finance & Investment's revenue growth to the Hong Kong market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
SEHK:8079 Future Growth Rates Data Sources
Data Point Source Value (per year)
SEHK:8079 Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts 35.2%
Hong Kong Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 37.6%
Asia Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 20.5%
Hong Kong Market Earnings Growth Rate Market Cap Weighted Average 12.1%
Hong Kong Market Revenue Growth Rate Market Cap Weighted Average 9.8%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
SEHK:8079 Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in HKD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
SEHK:8079 Future Estimates Data
Date (Data in HKD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
SEHK:8079 Past Financials Data
Date (Data in HKD Millions) Revenue Cash Flow Net Income *
2018-12-31 185 -31
2018-09-30 184 8 -27
2018-06-30 191 -16
2018-03-31 182 -17 -7
2017-12-31 201 20
2017-09-30 194 44 27
2017-06-30 188 26
2017-03-31 180 8 26
2016-12-31 168 30
2016-09-30 153 -48 26
2016-06-30 162 26
2016-03-31 119 44 33

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Easy Repay Finance & Investment's earnings are expected to grow significantly at over 20% yearly.
  • Unable to determine if Easy Repay Finance & Investment is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
SEHK:8079 Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Easy Repay Finance & Investment Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

SEHK:8079 Future Estimates Data
Date (Data in HKD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
SEHK:8079 Past Financials Data
Date (Data in HKD Millions) EPS *
2018-12-31 -0.14
2018-09-30 -0.12
2018-06-30 -0.07
2018-03-31 -0.03
2017-12-31 0.09
2017-09-30 0.12
2017-06-30 0.12
2017-03-31 0.12
2016-12-31 0.14
2016-09-30 0.12
2016-06-30 0.12
2016-03-31 0.15

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Easy Repay Finance & Investment will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Easy Repay Finance & Investment's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Hong Kong market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Asia market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Easy Repay Finance & Investment has a total score of 3/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

8079 Past Performance

  How has Easy Repay Finance & Investment performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Easy Repay Finance & Investment's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Easy Repay Finance & Investment does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
  • Unable to compare Easy Repay Finance & Investment's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare Easy Repay Finance & Investment's 1-year growth to the HK Consumer Finance industry average as it is not currently profitable.
Earnings and Revenue History
Easy Repay Finance & Investment's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Easy Repay Finance & Investment Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

SEHK:8079 Past Revenue, Cash Flow and Net Income Data
Date (Data in HKD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 184.68 -30.87 76.10
2018-09-30 184.16 -27.29 77.00
2018-06-30 190.92 -16.20 67.72
2018-03-31 182.34 -6.76 59.16
2017-12-31 200.73 19.97 49.48
2017-09-30 194.09 26.78 42.72
2017-06-30 187.78 26.48 42.58
2017-03-31 179.84 26.32 42.60
2016-12-31 167.70 30.17 35.70
2016-09-30 152.67 26.24 37.79
2016-06-30 161.67 25.69 39.00
2016-03-31 118.56 32.92 38.66
2015-12-31 100.06 41.05 37.05
2015-09-30 85.38 44.38 30.56
2015-06-30 44.74 48.55 31.55
2015-03-31 63.76 40.72 26.82
2014-12-31 47.35 14.24 32.65
2014-09-30 40.06 8.48 32.76
2014-06-30 33.89 -0.33 27.22
2014-03-31 27.51 -12.26 25.98
2013-12-31 14.24 -6.33 22.70
2013-09-30 15.61 -9.09 23.86
2013-06-30 21.50 -0.58 23.46
2013-03-31 24.56 -47.69 24.90
2012-12-31 12.43 -37.63 17.12
2012-09-30 14.82 -40.33 17.50
2012-06-30 12.78 -67.41 19.97
2012-03-31 18.69 -17.98 24.50

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if Easy Repay Finance & Investment has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • It is difficult to establish if Easy Repay Finance & Investment has efficiently used its assets last year compared to the HK Consumer Finance industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if Easy Repay Finance & Investment improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess Easy Repay Finance & Investment's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Easy Repay Finance & Investment has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

8079 Health

 How is Easy Repay Finance & Investment's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Easy Repay Finance & Investment's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Easy Repay Finance & Investment is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Easy Repay Finance & Investment's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Easy Repay Finance & Investment's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 18x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Easy Repay Finance & Investment Company Filings, last reported 2 months ago.

SEHK:8079 Past Debt and Equity Data
Date (Data in HKD Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 472.21 26.24 39.96
2018-09-30 472.21 26.24 39.96
2018-06-30 479.97 23.95 11.17
2018-03-31 479.97 23.95 11.17
2017-12-31
2017-09-30 501.47 8.08 23.91
2017-06-30 490.27 8.19 23.32
2017-03-31 490.27 8.19 23.32
2016-12-31
2016-09-30 476.42 27.01 11.80
2016-06-30 463.08 18.26 59.15
2016-03-31 463.08 18.26 59.15
2015-12-31
2015-09-30 446.34 19.48 123.81
2015-06-30 422.02 98.21 135.72
2015-03-31 422.02 98.21 135.72
2014-12-31
2014-09-30 280.13 36.34 56.38
2014-06-30 268.16 19.23 31.97
2014-03-31 268.16 19.23 31.97
2013-12-31
2013-09-30 231.04 4.35 10.92
2013-06-30 223.81 7.31 60.58
2013-03-31 223.81 7.31 60.58
2012-12-31
2012-09-30 215.80 21.59 56.58
2012-06-30 273.39 22.15 101.45
2012-03-31 273.39 22.15 101.45
  • Easy Repay Finance & Investment's level of debt (5.6%) compared to net worth is satisfactory (less than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (4.8% vs 5.6% today).
  • Debt is well covered by operating cash flow (30%, greater than 20% of total debt).
  • Unable to confirm if the interest payments on Easy Repay Finance & Investment's debt are well covered by earnings due to lack of past financial data.
X
Financial health checks
We assess Easy Repay Finance & Investment's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Easy Repay Finance & Investment has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

8079 Dividends

 What is Easy Repay Finance & Investment's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Easy Repay Finance & Investment dividends.
If you bought HK$2,000 of Easy Repay Finance & Investment shares you are expected to receive HK$0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Easy Repay Finance & Investment's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Easy Repay Finance & Investment's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
SEHK:8079 Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
Hong Kong Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 12 Stocks 4.5%
Hong Kong Market Average Dividend Yield Market Cap Weighted Average of 931 Stocks 3.5%
Hong Kong Minimum Threshold Dividend Yield 10th Percentile 1.1%
Hong Kong Bottom 25% Dividend Yield 25th Percentile 2%
Hong Kong Top 25% Dividend Yield 75th Percentile 5.3%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

SEHK:8079 Future Dividends Estimate Data
Date (Data in HK$) Dividend per Share (annual) Avg. No. Analysts

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Easy Repay Finance & Investment has not reported any payouts.
  • Unable to verify if Easy Repay Finance & Investment's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Easy Repay Finance & Investment's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Easy Repay Finance & Investment has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Easy Repay Finance & Investment's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Easy Repay Finance & Investment afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Easy Repay Finance & Investment has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

8079 Management

 What is the CEO of Easy Repay Finance & Investment's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Clara Siu
COMPENSATION HK$735,259
AGE 53
TENURE AS CEO 0.2 years
CEO Bio

Ms. Yeuk Hung Siu, also known as Clara, has been Executive Director at Easy Repay Finance & Investment Limited since August 9, 2017 and as its Compliance Officer and Chief Executive Officer since August 25, 2018 and January 10, 2019 respectively. Ms. Siu has extensive experience in marketing and business development. Prior to that, Ms. Siu has worked in a company listed on The Stock Exchange of Hong Kong Limited responsible for the marketing and business development since 2006.

CEO Compensation
  • Insufficient data for Clara to compare compensation growth.
  • Clara's remuneration is lower than average for companies of similar size in Hong Kong.
Management Team

Yeuk Yuen Shiu

TITLE
Executive Chairman
COMPENSATION
HK$296K
AGE
67

Clara Siu

TITLE
CEO, Compliance Officer & Executive Director
COMPENSATION
HK$735K
AGE
53
TENURE
0.2 yrs

Raymond Lo

TITLE
Qualified Accountant
TENURE
15.4 yrs

To Chi

TITLE
Company Secretary
AGE
53

Wai Sun Ho

TITLE
Executive

Anne Chang

TITLE
Marketing Manager
Board of Directors Tenure

Average tenure and age of the Easy Repay Finance & Investment board of directors in years:

4.8
Average Tenure
47.5
Average Age
  • The tenure for the Easy Repay Finance & Investment board of directors is about average.
Board of Directors

Yeuk Yuen Shiu

TITLE
Executive Chairman
COMPENSATION
HK$296K
AGE
67
TENURE
8.2 yrs

Clara Siu

TITLE
CEO, Compliance Officer & Executive Director
COMPENSATION
HK$735K
AGE
53
TENURE
1.6 yrs

Tik Kam

TITLE
Independent Non-Executive Director
COMPENSATION
HK$100K
AGE
42
TENURE
7 yrs

Stanley Ho

TITLE
Independent Non-Executive Director
COMPENSATION
HK$100K
AGE
30
TENURE
2.7 yrs
Who owns this company?
Recent Insider Trading
  • More shares have been bought than sold by Easy Repay Finance & Investment insiders in the past 3 months.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (HK$) Value (HK$)
14. Jan 19 Buy Yeuk Yuen Shiu Individual 10. Jan 19 10. Jan 19 95,000 HK$0.36 HK$34,010
09. Jan 19 Buy Yeuk Yuen Shiu Individual 08. Jan 19 08. Jan 19 85,000 HK$0.35 HK$29,835
09. Jan 19 Buy Yeuk Yuen Shiu Individual 09. Jan 19 09. Jan 19 120,000 HK$0.38 HK$45,240
07. Jan 19 Buy Yeuk Yuen Shiu Individual 04. Jan 19 04. Jan 19 300,000 HK$0.30 HK$89,699
07. Jan 19 Buy Yeuk Yuen Shiu Individual 07. Jan 19 07. Jan 19 20,000 HK$0.33 HK$6,600
07. Jan 19 Buy Yeuk Yuen Shiu Individual 02. Jan 19 02. Jan 19 5,000 HK$0.29 HK$1,475
31. Dec 18 Buy Yeuk Yuen Shiu Individual 28. Dec 18 28. Dec 18 150,000 HK$0.28 HK$42,300
X
Management checks
We assess Easy Repay Finance & Investment's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Easy Repay Finance & Investment has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

8079 News

Simply Wall St News

Imagine Owning Easy Repay Finance & Investment (HKG:8079) And Trying To Stomach The 79% Share Price Drop

While not a mind-blowing move, it is good to see that the Easy Repay Finance & Investment Limited (HKG:8079) share price has gained 18% in the last three months. … Because Easy Repay Finance & Investment is loss-making, we think the market is probably more focussed on revenue and revenue growth, at least for now. … In the last half decade, Easy Repay Finance & Investment saw its revenue increase by 34% per year.

Simply Wall St -

Before You Buy Easy Repay Finance & Investment Limited (HKG:8079), Consider Its Volatility

In finance, Beta is a measure of volatility. … Beta can be a useful tool to understand how much a stock is influenced by market risk (volatility). … A stock with a beta below one is either less volatile than the market, or more volatile but not corellated with the overall market.

Simply Wall St -

Easy Repay Finance & Investment Limited (HKG:8079) Insiders Increased Their Holdings

So before you buy or sell Easy Repay Finance & Investment Limited (HKG:8079), you may well want to know whether insiders have been buying or selling. … See our latest analysis for Easy Repay Finance & Investment … Easy Repay Finance & Investment Insider Transactions Over The Last Year

Simply Wall St -

What You Must Know About Easy Repay Finance & Investment Limited's (HKG:8079) Beta Value

If you're interested in Easy Repay Finance & Investment Limited (HKG:8079), then you might want to consider its beta (a measure of share price volatility) in order to understand how the stock could impact your portfolio. … Beta is a widely used metric to measure a stock's exposure to market risk (volatility). … A stock with a beta below one is either less volatile than the market, or more volatile but not corellated with the overall market.

Simply Wall St -

How Does Easy Repay Finance & Investment Limited (HKG:8079) Affect Your Portfolio Returns?

The other type of risk, which cannot be diversified away, is market risk. … Every stock in the market is exposed to this risk, which arises from macroeconomic factors such as economic growth and geo-political tussles just to name a few. … A widely-used metric to measure a stock's market risk is beta, and the broad market index represents a beta value of one.

Simply Wall St -

Should You Be Tempted To Buy Easy Repay Finance & Investment Limited (HKG:8079) Because Of Its PE Ratio?

Formula Price-Earnings Ratio = Price per share ÷ Earnings per share P/E Calculation for 8079 Price per share = HK$0.44 Earnings per share = HK$0.091 ∴ Price-Earnings Ratio = HK$0.44 ÷ HK$0.091 = 4.8x The P/E ratio isn’t a metric you view in isolation and only becomes useful when you compare it against other similar companies. … 8079’s P/E of 4.8x is lower than its industry peers (7.8x), which implies that each dollar of 8079’s earnings is being undervalued by investors. … For example, if you are inadvertently comparing lower risk firms with 8079, then 8079’s P/E would naturally be lower than its peers, since investors would value those with lower risk with a higher price.

Simply Wall St -

Was Easy Repay Finance & Investment Limited's (HKG:8079) Earnings Decline Part Of A Broader Industry Downturn?

Below, I will assess Easy Repay Finance & Investment Limited's (SEHK:8079) track record on a high level, to give you some insight into how the company has been performing against its historical trend and its industry peers. … For Easy Repay Finance & Investment, its latest earnings (trailing twelve month) is HK$19.97M, which, in comparison to the previous year's level, has plunged by a large -33.79%. … Well, let’s take a look at whether it is solely owing to industry tailwinds, or if Easy Repay Finance & Investment has seen some company-specific growth.

Simply Wall St -

Is Easy Repay Finance & Investment Limited (HKG:8079) A Buy At Its Current PE Ratio?

It compares a stock’s price per share to the stock’s earnings per share. … Formula Price-Earnings Ratio = Price per share ÷ Earnings per share P/E Calculation for 8079 Price per share = HK$0.56 Earnings per share = HK$0.091 ∴ Price-Earnings Ratio = HK$0.56 ÷ HK$0.091 = 6.2x The P/E ratio itself doesn’t tell you a lot; however, it becomes very insightful when you compare it with other similar companies. … Ideally, we want to compare the stock’s P/E ratio to the average of companies that have similar characteristics as 8079, such as size and country of operation.

Simply Wall St -

With 2.1% Earnings Growth Lately, Did Easy Repay Finance & Investment Limited (HKG:8079) Outperform The Industry?

Check out our latest analysis for Easy Repay Finance & Investment Did 8079's recent EPS Growth beat the long-term trend and the industry? … This means on average, Easy Repay Finance & Investment has been able to consistently grow its bottom line over the past couple of years as well. … This means whatever tailwind the industry is enjoying, Easy Repay Finance & Investment has not been able to reap as much as its average peer.What does this mean?

Simply Wall St -

Why Easy Repay Finance & Investment Limited (SEHK:8079) Delivered An Inferior ROE Compared To The Industry

Check out our latest analysis for Easy Repay Finance & Investment Breaking down ROE — the mother of all ratios Return on Equity (ROE) is a measure of 8079’s profit relative to its shareholders’ equity. … Return on Equity = Net Profit ÷ Shareholders Equity Returns are usually compared to costs to measure the efficiency of capital. … This is called the Dupont Formula: Dupont Formula ROE = profit margin × asset turnover × financial leverage ROE = (annual net profit ÷ sales) × (sales ÷ assets) × (assets ÷ shareholders’ equity) ROE = annual net profit ÷ shareholders’ equity SEHK:8079 Last Perf Dec 6th 17 Essentially, profit margin shows how much money the company makes after paying for all its expenses.

Simply Wall St -

8079 Company Info

Description

Easy Repay Finance & Investment Limited engages in money lending, financial instruments and quoted shares investment, and retail and wholesale businesses in Hong Kong. The company sells grocery products, including frozen soup and seafood, personal care products, stationery, etc. through retail and online channels. It also offers beauty and clinical, online advertising and video filming, and ship holding services; and trades in cash coupons. The company was formerly known as Unlimited Creativity Holdings Limited and changed its name to Easy Repay Finance & Investment Limited in April 2015. Easy Repay Finance & Investment Limited is headquartered in Cheung Sha Wan, Hong Kong.

Details
Name: Easy Repay Finance & Investment Limited
8079
Exchange: SEHK
Founded:
HK$64,573,834
218,894,354
Website: http://www.ecrepay.com
Address: Easy Repay Finance & Investment Limited
D2 Place Two,
8th Floor, Unit A,
Cheung Sha Wan,
Kowloon, Hong Kong
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
SEHK 8079 Ordinary Shares The Stock Exchange of Hong Kong Ltd. HK HKD 15. Oct 2001
Number of employees
Current staff
Staff numbers
144
Easy Repay Finance & Investment employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/03/24 12:52
End of day share price update: 2019/03/22 00:00
Last estimates confirmation: 2018/06/25
Last earnings filing: 2019/02/12
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/03/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.