OTCPK:CCGN

Stock Analysis Report

Executive Summary

Consumer Capital Group, Inc., through its subsidiaries, provides microfinancing services for micro, and small-to-medium sized enterprises (SMEs) in China.

Snowflake

Fundamentals

Worrying balance sheet with weak fundamentals.


Similar Companies

Share Price & News

How has Consumer Capital Group's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

CCGN

3.2%

US Consumer Finance

2.3%

US Market


1 Year Return

10.6%

CCGN

5.5%

US Consumer Finance

5.6%

US Market

Return vs Industry: CCGN exceeded the US Consumer Finance industry which returned 5.5% over the past year.

Return vs Market: CCGN exceeded the US Market which returned 5.6% over the past year.


Shareholder returns

CCGNIndustryMarket
7 Day0%3.2%2.3%
30 Day-1.0%-3.9%-1.0%
90 Day-3.0%-6.6%-0.7%
1 Year10.6%10.6%7.3%5.5%7.9%5.6%
3 Year451.4%451.4%59.7%52.0%45.6%36.3%
5 Year354.1%354.1%42.2%31.8%65.8%47.6%

Price Volatility Vs. Market

How volatile is Consumer Capital Group's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Consumer Capital Group undervalued compared to its fair value and its price relative to the market?


In this section, we usually try to help investors determine whether Consumer Capital Group is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Consumer Capital Group has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of CCGN’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through Consumer Capital Group regulatory filings here.
  • Explore potentially undervalued companies in the Diversified Financials industry.

Future Growth

How is Consumer Capital Group forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

4.5%

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 Consumer Capital Group 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

  • Take a look at our analysis of CCGN’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Consumer Capital Group's filings and announcements here.
  • Explore growth companies in the Diversified Financials industry.

Past Performance

How has Consumer Capital Group performed over the past 5 years?

-18.6%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: CCGN is unprofitable, and losses have increased over the past 5 years at a rate of -18.6% per year.

Accelerating Growth: Unable to compare CCGN's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: CCGN is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (25.5%).


Return on Equity

High ROE: CCGN's liabilities exceed its assets, so it is difficult to calculate its Return on Equity.


Return on Assets

ROA vs Industry: CCGN is currently unprofitable, so its Return on Assets is negative.


Return on Capital Employed

ROCE Improving: CCGN is currently unprofitable, so its Return on Capital Employed is negative.


Next Steps

Financial Health

How is Consumer Capital Group's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Inventory Level: CCGN has a low level of unsold assets or inventory.

Debt Coverage by Assets: CCGN has negative shareholder equity (liabilities exceed assets) therefore debt is not covered by short term assets.


Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Stable Cash Runway: CCGN has less than a year of cash runway based on its current free cash flow.

Forecast Cash Runway: CCGN has less than a year of cash runway if free cash flow continues to grow at historical rates of 32.5% each year.


Financial Institutions Analysis

Asset Level: CCGN's level of assets compared to its equity is low.

Allowance for Bad Loans: Insufficient data to determine if CCGN has a sufficient allowance for bad loans.

Low Risk Liabilities: CCGN reports no customer deposits, loans are made up entirely of externally borrowed funds.

Loan Level: Insufficient data to determine if CCGN has an acceptable proportion of non-loan assets held.

Low Risk Deposits: CCGN has advanced significantly more loans than the customer deposits it holds.

Level of Bad Loans: Insufficient data to determine if CCGN has an appropriate level of bad loans.


Next Steps

Dividend

What is Consumer Capital Group's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

companyn/amarketbottom25%1.5%markettop25%3.8%industryaverage1.9%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: Unable to evaluate CCGN's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate CCGN's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.

Stable Dividend: Insufficient data to determine if CCGN's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if CCGN's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of CCGN's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

What is the CEO of Consumer Capital Group's salary, the management and board of directors tenure and is there insider trading?

8.8yrs

Average management tenure


CEO

Jack Gao (65yo)

10.8yrs

Tenure

0

Mr. Jianmin Gao, also known as Jack, serves as Chairman of the Board, Chief Executive Officer and President of Consumer Capital Group, Inc. He has over 30 years of experience in credit markets, risk arbitr ...


Management Age and Tenure

8.8yrs

Average Tenure

43yo

Average Age

Experienced Management: CCGN's management team is seasoned and experienced (8.8 years average tenure).


Board Age and Tenure

8.8yrs

Average Tenure

41yo

Average Age

Experienced Board: CCGN's board of directors are considered experienced (8.8 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown


Management Team

  • Crystal Chen (45yo)

    Chief Financial Officer

    • Tenure: 2.2yrs
    • Compensation: US$36.00k
  • Jack Gao (65yo)

    Chairman

    • Tenure: 10.8yrs
  • Fei Gao (39yo)

    COO & Director

    • Tenure: 8.8yrs
    • Compensation: US$30.00k
  • Dong Yao (41yo)

    CTO & Director

    • Tenure: 8.8yrs
    • Compensation: US$19.20k
  • Kevin Fickle

    Investor Relations

    • Tenure: 0yrs

Board Members

  • Jack Gao (65yo)

    Chairman

    • Tenure: 10.8yrs
  • Fei Gao (39yo)

    COO & Director

    • Tenure: 8.8yrs
    • Compensation: US$30.00k
  • Dong Yao (41yo)

    CTO & Director

    • Tenure: 8.8yrs
    • Compensation: US$19.20k

Company Information

Consumer Capital Group, Inc's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Consumer Capital Group, Inc
  • Ticker: CCGN
  • Exchange: OTCPK
  • Founded: 2008
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: US$105.026m
  • Shares outstanding: 27.21m
  • Website: https://www.ccgusa.com

Number of Employees


Location

  • Consumer Capital Group, Inc
  • 1125 Route 9W S
  • Nyack
  • New York
  • New York
  • 10960
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CCGNOTCPK (Pink Sheets LLC)YesCommon StockUSUSDFeb 2011

Biography

Consumer Capital Group, Inc., through its subsidiaries, provides microfinancing services for micro, and small-to-medium sized enterprises (SMEs) in China. It offers direct loans to SMEs and sole proprietor ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/17 00:12
End of Day Share Price2019/10/16 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.