NYSE:XRF

Stock Analysis Report

Executive Summary

China Rapid Finance Limited, through its subsidiaries, provides a consumer lending marketplace for lenders and borrowers in the People’s Republic of China.

Snowflake

Fundamentals

Flawless balance sheet and slightly overvalued.

Risks

  • China Rapid Finance has significant price volatility in the past 3 months.
  • China Rapid Finance's last earnings update was 300 days ago.
  • China Rapid Finance is not covered by any analysts.

Share Price & News

How has China Rapid Finance's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

8.2%

NYSE:XRF

0.5%

US Consumer Finance

1.1%

US Market


1 Year Return

-71.6%

NYSE:XRF

3.7%

US Consumer Finance

2.1%

US Market

XRF underperformed the Consumer Finance industry which returned 4% over the past year.

XRF underperformed the Market in United States of America which returned 2% over the past year.


Share holder returns

XRFIndustryMarket
7 Day8.2%0.5%1.1%
30 Day14.5%0.8%3.7%
90 Day29.8%0.06%2.3%
1 Year-71.6%-71.6%5.5%3.7%4.4%2.1%
3 Yearn/a65.0%57.0%47.0%37.4%
5 Yearn/a42.0%31.6%61.6%43.8%

Price Volatility Vs. Market

How volatile is China Rapid Finance's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is China Rapid Finance undervalued based on future cash flows and its price relative to the stock market?

>50%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

China Rapid Finance's share price is below the future cash flow value, and at a moderate discount (> 20%).

China Rapid Finance's share price is below the future cash flow value, and at a substantial discount (> 40%).


Price Based on Earnings

China Rapid Finance is loss making, we can't compare its value to the US Consumer Finance industry average.

China Rapid Finance is loss making, we can't compare the value of its earnings to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for China Rapid Finance, we can't assess if its growth is good value.


Price Based on Value of Assets

China Rapid Finance is overvalued based on assets compared to the US Consumer Finance industry average.


Next Steps

Future Growth

How is China Rapid Finance expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

4.8%

Forecasted Diversified Financials industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as China Rapid Finance has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has China Rapid Finance performed over the past 5 years?

-43.1%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

China Rapid Finance does not make a profit and their year on year earnings growth rate was negative over the past 5 years.

Unable to compare China Rapid Finance's 1-year earnings growth to the 5-year average as it is not currently profitable.

Unable to compare China Rapid Finance's 1-year growth to the US Consumer Finance industry average as it is not currently profitable.


Return on Equity

It is difficult to establish if China Rapid Finance has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.


Return on Assets

It is difficult to establish if China Rapid Finance has efficiently used its assets last year compared to the US Consumer Finance industry average (Return on Assets) as it is loss-making.


Return on Capital Employed

It is difficult to establish if China Rapid Finance improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.


Next Steps

Financial Health

How is China Rapid Finance's financial position?


Financial Position Analysis

China Rapid Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

China Rapid Finance's cash and other short term assets cover its long term commitments.


Debt to Equity History and Analysis

China Rapid Finance has no debt.

China Rapid Finance currently has no debt however we can't compare to 5 years ago as we have no data for that period.

China Rapid Finance has no debt, it does not need to be covered by operating cash flow.

China Rapid Finance has no debt, therefore coverage of interest payments is not a concern.


Balance Sheet

Low level of unsold assets.

China Rapid Finance has no debt, it does not need to be covered by short term assets.


Next Steps

Dividend

What is China Rapid Finance's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate China Rapid Finance's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate China Rapid Finance's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as China Rapid Finance has not reported any payouts.

Unable to verify if China Rapid Finance's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as China Rapid Finance 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.


Next Steps

Management

What is the CEO of China Rapid Finance's salary, the management and board of directors tenure and is there insider trading?

1.0yrs

Average management tenure


CEO

Zane Wang (61yo)

0yrs

Tenure

0

Mr. Zhengyu Wang, also known as Zane, is Chairman and Co-Chief Executive Officer of China Rapid Finance Limited (the Company”). Dr. Wang also advised the People’s Bank of China on the creation of the Natio ...


Management Age and Tenure

1.0yrs

Average Tenure

59yo

Average Age

The average tenure for the China Rapid Finance management team is less than 2 years, this suggests a new team.


Board Age and Tenure

0.4yrs

Average Tenure

59yo

Average Age

The average tenure for the China Rapid Finance board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Nigel Morris (60yo)

    • Tenure: 14.7yrs
  • Phillip Riese (70yo)

    • Tenure: 14.7yrs
  • Kevin Kong (46yo)

    General Counsel

    • Tenure: 1.7yrs
  • Zane Wang (61yo)

    Founder

    • Tenure: 0yrs
  • Lifu Chen (56yo)

    • Tenure: 0yrs
  • Steven Foo (47yo)

    CFO & Executive Director

    • Tenure: 0.4yrs
  • Russell Krauss (59yo)

    Co-CEO & Vice Chairman

    • Tenure: 1yrs
  • Marlene Pan

    Director of Investor Relations

    • Tenure: 0yrs
  • Wilson Qin

    Chief Technology Officer

    • Tenure: 0.5yrs
  • Quasi Yao

    Director of Strategy & Operations

    • Tenure: 0.5yrs

Board Members

  • Steve Eskenazi (54yo)

    Advisory Director

    • Tenure: 0.4yrs
  • Doug Brown (65yo)

    Independent Non-Executive Director

    • Tenure: 12.7yrs
  • Zane Wang (61yo)

    Founder

    • Tenure: 0yrs
  • Steven Foo (47yo)

    CFO & Executive Director

    • Tenure: 0.4yrs
  • Russell Krauss (59yo)

    Co-CEO & Vice Chairman

    • Tenure: 1yrs
  • Edward Yan

    Independent Director

    • Tenure: 0.4yrs

Company Information

China Rapid Finance Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: China Rapid Finance Limited
  • Ticker: XRF
  • Exchange: NYSE
  • Founded: 2004
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: US$44.822m
  • Shares outstanding: 66.40m
  • Website: https://null

Number of Employees


Location

  • China Rapid Finance Limited
  • Building D, BenQ Plaza
  • 5th Floor
  • Shanghai
  • 200335
  • China

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
XRFNYSE (New York Stock Exchange)YesSPONSORED ADRUSUSDApr 2017

Biography

China Rapid Finance Limited, through its subsidiaries, provides a consumer lending marketplace for lenders and borrowers in the People’s Republic of China. The company offers various loan products to serve ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/09/17 00:42
End of Day Share Price2019/09/16 00:00
Earnings2018/09/30
Annual Earnings2017/12/31


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.