AI Analysis

How does 2003.HK make money? Does 2003.HK have pricing power? What's the Earnings Whisper? Will 2003.HK profit more as the business scales? What is 2003.HK's management track record? Is 2003.HK's current price justified?

VCREDIT Holdings Limited

HKD 0.97 -$1.67 (-63.26%)

HKSE · 15 Sep 2026 07:31 UTC

Previous Close

HKD 0.94

Day Range

HKD 0.93HKD 0.97

Year Range

HKD 0.83HKD 3.58

Market Cap

470.94M

AVG Volume

38.98K

Trailing/Forward PE

-0.53/-

PEG ratio

Dividend Yield

5.15%

Next Earnings Date

2027-03-24

Primary Exchange

Hong Kong Stock Exchange

Dividends

2003.HK Dividends by year
Period	Dividends
2025	0.25
2024	0.1
2023	0.25
2022	0.25
2021	0.2

PE Ratio

2003.HK PE Ratio by year
Period	PE Ratio
Mar 26	0.81
Mar 26	0.84
Mar 26	0.87
Mar 26	0.88
Feb 26	0.96
Feb 26	1.01
Feb 26	1.14
Feb 26	1.13
Jan 26	1.11
Jan 26	1.19
Jan 26	1.24
Jan 26	1.34
Jan 26	1.37
Dec 25	1.33
Dec 25	1.38
Dec 25	1.37
Dec 25	1.38
Nov 25	1.41
Nov 25	1.47
Nov 25	1.5
Nov 25	1.53
Oct 25	1.52
Oct 25	1.71
Oct 25	1.69
Oct 25	1.76
Oct 25	1.79
Sep 25	1.65
Sep 25	1.6
Sep 25	1.62
Sep 25	1.57
Aug 25	1.63
Aug 25	1.54
Aug 25	1.53
Aug 25	1.68
Aug 25	1.62
Jul 25	1.71
Jul 25	1.82
Jul 25	1.8
Jul 25	1.79
Jun 25	1.82
Jun 25	1.8
Jun 25	1.96
Jun 25	2
May 25	1.97
May 25	1.98
May 25	1.95
May 25	1.96
May 25	2.04
Apr 25	1.99
Apr 25	1.98
Apr 25	1.98
Apr 25	2.14
Mar 25	2.57
Mar 25	2.02
Mar 25	1.84
Mar 25	1.88
Feb 25	1.76
Feb 25	1.56
Feb 25	1.49
Feb 25	1.46
Jan 25	1.44
Jan 25	1.43
Jan 25	1.56
Jan 25	1.49
Jan 25	1.16
Dec 24	1.15
Dec 24	1.16
Dec 24	1.16
Dec 24	1.15
Nov 24	1.1
Nov 24	1.14
Nov 24	1.15
Nov 24	1.17
Nov 24	1.18
Oct 24	1.19
Oct 24	1.11
Oct 24	1.25
Oct 24	1.3
Sep 24	0.99
Sep 24	0.9
Sep 24	0.92
Sep 24	0.95
Aug 24	0.92
Aug 24	1.02
Aug 24	1
Aug 24	1.04
Aug 24	1.06
Jul 24	1.03
Jul 24	1.07
Jul 24	1.05
Jul 24	1.04
Jun 24	1.07
Jun 24	1.08
Jun 24	1.07
Jun 24	1.07
May 24	1.09
May 24	1.1
May 24	1.06
May 24	1.05
May 24	1.11

Free Cash Flow Yield

2003.HK Free Cash Flow Yield by year
Period	Free Cash Flow Yield
Sep 26	1009.08%
Sep 26	1009.08%
Sep 26	1041.59%
Aug 26	1039.24%
Aug 26	1051.57%
Aug 26	1061.21%
Aug 26	992.95%
Jul 26	1095.82%
Jul 26	1055.67%
Jul 26	1066.69%
Jul 26	988%
Jul 26	1031.35%
Jun 26	1017.24%
Jun 26	948.91%
Jun 26	989.5%
Jun 26	869.88%
May 26	878.17%
May 26	779.66%
May 26	840.48%
May 26	765.58%
Apr 26	750.6%
Apr 26	726.49%
Apr 26	722.53%
Apr 26	664.65%
Apr 26	632.61%
Mar 26	-368.38%
Mar 26	-354.08%
Mar 26	-342.95%
Mar 26	-338.7%
Feb 26	-311.63%
Feb 26	-293.45%
Feb 26	-261.76%
Feb 26	-264.05%
Jan 26	-267.26%
Jan 26	-250.04%
Jan 26	-239.49%
Jan 26	-221.54%
Jan 26	-216.75%
Dec 25	-224.17%
Dec 25	-215.85%
Dec 25	-217.96%
Dec 25	-215.02%
Nov 25	-210.9%
Nov 25	-202.32%
Nov 25	-197.99%
Nov 25	-194.73%
Oct 25	-195.39%
Oct 25	-174.22%
Oct 25	-176.58%
Oct 25	-169.26%
Oct 25	-166.1%
Sep 25	3.78%
Sep 25	3.9%
Sep 25	3.85%
Sep 25	3.96%
Aug 25	3.82%
Aug 25	4.04%
Aug 25	4.06%
Aug 25	3.7%
Aug 25	3.84%
Jul 25	3.64%
Jul 25	3.42%
Jul 25	3.46%
Jul 25	3.48%
Jun 25	3.43%
Jun 25	3.45%
Jun 25	3.18%
Jun 25	3.11%
May 25	3.17%
May 25	3.15%
May 25	3.19%
May 25	3.17%
May 25	3.05%
Apr 25	3.14%
Apr 25	3.15%
Apr 25	3.15%
Apr 25	2.91%
Mar 25	25%
Mar 25	31.76%
Mar 25	34.94%
Mar 25	34.19%
Feb 25	36.49%
Feb 25	41.13%
Feb 25	43.13%
Feb 25	43.99%
Jan 25	44.76%
Jan 25	44.96%
Jan 25	41.11%
Jan 25	43.19%
Jan 25	55.56%
Dec 24	55.89%
Dec 24	55.16%
Dec 24	55.31%
Dec 24	55.95%
Nov 24	58.26%
Nov 24	56.17%
Nov 24	55.72%
Nov 24	54.94%
Nov 24	54.59%
Oct 24	53.77%

Price to Sales

2003.HK Price to Sales by year
Period	Price to Sales
Sep 26	0.08
Sep 26	0.08
Sep 26	0.08
Aug 26	0.08
Aug 26	0.08
Aug 26	0.08
Aug 26	0.09
Jul 26	0.08
Jul 26	0.08
Jul 26	0.08
Jul 26	0.09
Jul 26	0.08
Jun 26	0.08
Jun 26	0.09
Jun 26	0.09
Jun 26	0.1
May 26	0.1
May 26	0.11
May 26	0.1
May 26	0.11
Apr 26	0.11
Apr 26	0.12
Apr 26	0.12
Apr 26	0.13
Apr 26	0.13
Mar 26	0.12
Mar 26	0.12
Mar 26	0.13
Mar 26	0.13
Feb 26	0.14
Feb 26	0.15
Feb 26	0.17
Feb 26	0.16
Jan 26	0.16
Jan 26	0.17
Jan 26	0.18
Jan 26	0.2
Jan 26	0.2
Dec 25	0.19
Dec 25	0.2
Dec 25	0.2
Dec 25	0.2
Nov 25	0.21
Nov 25	0.22
Nov 25	0.22
Nov 25	0.22
Oct 25	0.22
Oct 25	0.25
Oct 25	0.25
Oct 25	0.26
Oct 25	0.26
Sep 25	0.28
Sep 25	0.27
Sep 25	0.27
Sep 25	0.26
Aug 25	0.27
Aug 25	0.26
Aug 25	0.26
Aug 25	0.28
Aug 25	0.27
Jul 25	0.29
Jul 25	0.3
Jul 25	0.3
Jul 25	0.3
Jun 25	0.3
Jun 25	0.3
Jun 25	0.33
Jun 25	0.33
May 25	0.33
May 25	0.33
May 25	0.33
May 25	0.33
May 25	0.34
Apr 25	0.33
Apr 25	0.33
Apr 25	0.33
Apr 25	0.36
Mar 25	0.39
Mar 25	0.31
Mar 25	0.28
Mar 25	0.29
Feb 25	0.27
Feb 25	0.24
Feb 25	0.23
Feb 25	0.22
Jan 25	0.22
Jan 25	0.22
Jan 25	0.24
Jan 25	0.23
Jan 25	0.18
Dec 24	0.18
Dec 24	0.18
Dec 24	0.18
Dec 24	0.18
Nov 24	0.17
Nov 24	0.17
Nov 24	0.18
Nov 24	0.18
Nov 24	0.18
Oct 24	0.18

EV/EBITDA

2003.HK EV/EBITDA by year
Period	EV/EBITDA
Sep 25	3.09
Sep 25	3.02
Sep 25	3.05
Sep 25	2.99
Aug 25	3.07
Aug 25	2.95
Aug 25	2.94
Aug 25	3.14
Aug 25	3.06
Jul 25	3.17
Jul 25	3.33
Jul 25	3.3
Jul 25	3.28
Jun 25	3.32
Jun 25	3.3
Jun 25	3.51
Jun 25	3.57
May 25	3.52
May 25	3.54
May 25	3.5
May 25	3.52
May 25	3.63
Apr 25	3.55
Apr 25	3.54
Apr 25	3.54
Apr 25	3.76
Mar 25	2.3
Mar 25	2.01
Mar 25	1.91
Mar 25	1.94
Feb 25	1.87
Feb 25	1.77
Feb 25	1.73
Feb 25	1.71
Jan 25	1.7
Jan 25	1.7
Jan 25	1.77
Jan 25	1.73
Jan 25	1.55
Dec 24	1.55
Dec 24	1.56
Dec 24	1.56
Dec 24	1.55
Nov 24	1.52
Nov 24	1.55
Nov 24	1.55
Nov 24	1.56
Nov 24	1.56
Oct 24	1.57
Oct 24	1.53
Oct 24	1.6
Oct 24	1.63
Sep 24	2.07
Sep 24	2.04
Sep 24	2.04
Sep 24	2.06
Aug 24	2.04
Aug 24	2.08
Aug 24	2.08
Aug 24	2.1
Aug 24	2.1
Jul 24	2.09
Jul 24	2.1
Jul 24	2.1
Jul 24	2.1
Jun 24	2.11
Jun 24	2.11
Jun 24	2.11
Jun 24	2.11
May 24	2.11
May 24	2.12
May 24	2.1
May 24	2.1
May 24	2.12
Apr 24	2.08
Apr 24	2.1
Apr 24	2.08
Apr 24	2.07
Mar 24	0.92
Mar 24	0.92
Mar 24	0.92
Mar 24	0.94
Mar 24	0.94
Feb 24	0.92
Feb 24	0.91
Feb 24	0.92
Feb 24	0.92
Jan 24	0.89
Jan 24	0.88
Jan 24	0.92
Jan 24	0.92
Dec 23	0.93
Dec 23	0.93
Dec 23	0.92
Dec 23	0.92
Dec 23	0.91
Nov 23	0.94
Nov 23	0.93
Nov 23	0.95
Nov 23	0.96

Price/Operating Cashflow

2003.HK Price/Operating Cashflow by year
Period	Price/Operating Cashflow
Sep 26	0.1
Sep 26	0.1
Sep 26	0.09
Aug 26	0.09
Aug 26	0.09
Aug 26	0.09
Aug 26	0.1
Jul 26	0.09
Jul 26	0.09
Jul 26	0.09
Jul 26	0.1
Jul 26	0.1
Jun 26	0.1
Jun 26	0.1
Jun 26	0.1
Jun 26	0.11
May 26	0.11
May 26	0.13
May 26	0.12
May 26	0.13
Apr 26	0.13
Apr 26	0.14
Apr 26	0.14
Apr 26	0.15
Apr 26	0.16
Sep 25	13
Sep 25	12.59
Sep 25	12.75
Sep 25	12.4
Aug 25	12.85
Aug 25	12.16
Aug 25	12.1
Aug 25	13.28
Aug 25	12.79
Jul 25	13.47
Jul 25	14.37
Jul 25	14.19
Jul 25	14.11
Jun 25	14.31
Jun 25	14.21
Jun 25	15.43
Jun 25	15.76
May 25	15.49
May 25	15.58
May 25	15.37
May 25	15.46
May 25	16.1
Apr 25	15.65
Apr 25	15.59
Apr 25	15.59
Apr 25	16.88
Mar 25	3.64
Mar 25	2.87
Mar 25	2.61
Mar 25	2.66
Feb 25	2.5
Feb 25	2.22
Feb 25	2.11
Feb 25	2.07
Jan 25	2.04
Jan 25	2.03
Jan 25	2.22
Jan 25	2.11
Jan 25	1.64
Dec 24	1.63
Dec 24	1.65
Dec 24	1.65
Dec 24	1.63
Nov 24	1.56
Nov 24	1.62
Nov 24	1.63
Nov 24	1.66
Nov 24	1.67
Oct 24	1.69
Oct 24	1.58
Oct 24	1.77
Oct 24	1.85
Sep 24	0.57
Sep 24	0.52
Sep 24	0.53
Sep 24	0.55
Aug 24	0.53
Aug 24	0.59
Aug 24	0.58
Aug 24	0.61
Aug 24	0.61
Jul 24	0.6
Jul 24	0.62
Jul 24	0.61
Jul 24	0.61
Jun 24	0.62
Jun 24	0.62
Jun 24	0.62
Jun 24	0.62
May 24	0.63
May 24	0.64
May 24	0.62
May 24	0.61
May 24	0.65
Apr 24	0.58

Price to Book

2003.HK Price to Book by year
Period	Price to Book
Sep 26	0.1
Sep 26	0.1
Sep 26	0.1
Aug 26	0.1
Aug 26	0.1
Aug 26	0.09
Aug 26	0.1
Jul 26	0.09
Jul 26	0.09
Jul 26	0.09
Jul 26	0.1
Jul 26	0.1
Jun 26	0.1
Jun 26	0.11
Jun 26	0.1
Jun 26	0.12
May 26	0.11
May 26	0.13
May 26	0.12
May 26	0.13
Apr 26	0.13
Apr 26	0.14
Apr 26	0.14
Apr 26	0.15
Apr 26	0.16
Mar 26	0.14
Mar 26	0.15
Mar 26	0.15
Mar 26	0.16
Feb 26	0.17
Feb 26	0.18
Feb 26	0.2
Feb 26	0.2
Jan 26	0.2
Jan 26	0.21
Jan 26	0.22
Jan 26	0.24
Jan 26	0.24
Dec 25	0.24
Dec 25	0.25
Dec 25	0.24
Dec 25	0.25
Nov 25	0.25
Nov 25	0.26
Nov 25	0.27
Nov 25	0.27
Oct 25	0.27
Oct 25	0.3
Oct 25	0.3
Oct 25	0.31
Oct 25	0.32
Sep 25	0.33
Sep 25	0.32
Sep 25	0.33
Sep 25	0.32
Aug 25	0.33
Aug 25	0.31
Aug 25	0.31
Aug 25	0.34
Aug 25	0.33
Jul 25	0.35
Jul 25	0.37
Jul 25	0.36
Jul 25	0.36
Jun 25	0.37
Jun 25	0.36
Jun 25	0.4
Jun 25	0.4
May 25	0.4
May 25	0.4
May 25	0.39
May 25	0.4
May 25	0.41
Apr 25	0.4
Apr 25	0.4
Apr 25	0.4
Apr 25	0.43
Mar 25	0.47
Mar 25	0.37
Mar 25	0.34
Mar 25	0.34
Feb 25	0.32
Feb 25	0.29
Feb 25	0.27
Feb 25	0.27
Jan 25	0.26
Jan 25	0.26
Jan 25	0.29
Jan 25	0.27
Jan 25	0.21
Dec 24	0.21
Dec 24	0.21
Dec 24	0.21
Dec 24	0.21
Nov 24	0.2
Nov 24	0.21
Nov 24	0.21
Nov 24	0.21
Nov 24	0.22
Oct 24	0.22

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AI Analysis

VCREDIT Holdings Limited

Video analysis: 2003.HK

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