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600830.SS$8.41+1.08%
Fair $8.41+0.0%

600830.SS

Sunny Loan Top Co.,Ltd.

Industrials / Specialty Business ServicesShanghai

$8.41

+0.09 (+1.08%)

Fairly Valued+0.0%Fair Value $8.41Fund rank 21/100 · Data gapFallback financials|
SA 35/D
F-Score: 3/9
Low Profitability

FCF base 3Y

n/d

n/d CAGR · yield n/d

FCF base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 34% · confianza 16%

FCF escenarios

weak_data · normalized FCF $-826.0M · quality 37.7/100

Data gap 21/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 13/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

35/100

D

Piotroski

3/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 1unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); composite fair value and forward targets are disabled until manually verified. ROE is 3.6%, below the 5% threshold
Thesis & Journal · 600830.SSLocal privado en este navegador · Sunny Loan Top Co.,Ltd.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$3.8B

P/E

46.7x

↑

EV/EBITDA

31.9x

↑

ROE

3.6%

↓

Gross Margin

63.5%

↑

Debt/Equity

1.32

↑
52-Week Range$8
$8$12

TradingView lightweight chart

600830.SS price, volumen y niveles de valoración

Último $8.410Periodo +98.5%
Fair value: $8.410

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+22.7%

FCF CAGR

—

FCF margin

-214.1%

FCF / Net income

-12.56x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $471.2M · net income $80.3M · FCF $-1.01B

2022-FY → 2025-FY

Gross margin

63.5%-13.8% pts

Operating margin

44.9%+15.3% pts

Net margin

17.0%+13.6% pts

FCF margin

-214.1%-230.4% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$471.2M$471.2M$408.8M$262.6M$255.2M
Net Income$80.3M$80.3M$53.2M$22.2M$8.9M
EBITDA$188.6M$188.6M$134.5M$87.5M$63.7M
EPS0.180.180.120.050.02
Gross Margin63.5%63.5%68.6%75.6%77.3%
Operating Margin44.9%44.9%38.6%31.4%29.6%
Net Margin17.0%17.0%13.0%8.5%3.5%
Balance Sheet
Debt/Equity1.321.320.910.470.33
Current Ratio1.711.71———
Cash Flow
Free Cash Flow$-1.01B$-1.01B$-665.4M$-826.0M$41.8M
Returns
ROE3.6%3.6%2.5%1.0%0.4%
Valuation
P/E46.7246.7274.36142.04300.00
EV/EBITDA31.8731.8737.7139.5933.48
P/B1.701.701.821.491.27
Growth & Yield
Revenue Growth15.3%15.3%55.6%2.9%—
EPS Growth51.3%51.3%138.8%145.0%—
Dividend Yield0.2%0.2%———

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

61.5%

muy exigente

EPS terminal req.

$0.75

Spread vs growth

-10.3%

5Y implied EPS CAGR

38.5%

muy exigente

EPS terminal req.

$0.90

Spread vs growth

12.8%

10Y implied EPS CAGR

23.4%

exigente

EPS terminal req.

$1.45

Spread vs growth

27.8%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total -6.0%

Total return

-6.0%

Start / end P/E

76.7x → 47.5x

EPS bridge

0.12 → 0.18

Residual

-19.5%

EPS growth+51.3%
Multiple rerating-38.0%
Dividend+0.2%
Residual / FX / buybacks / cross-term-19.5%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.