VCREDIT Holdings Limited - 2003.HK - Fundamentals

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Breakdown	2015 12/31	2016 12/31	2017 12/31	2018 12/31	2019 12/31	2020 12/31	2021 12/31	2022 12/31	2023 12/31	2024 12/31	2025 12/31	TTM
REVENUE	597	713	842	-383	1,098	-765	1,966	1,241	2,842	2,734	4,488	3,062	📊
Revenue Growth (1Y)	--	+19.43%	+18.15%	-145.50%	+386.59%	-169.67%	+357.06%	-36.88%	+129.04%	-3.80%	+64.16%	-31.78%	📊
Revenue Growth (5Y)	--	--	--	--	+83.98%	-207.32%	+133.50%	+423.95%	+158.90%	+457.52%	+128.31%	+55.76%	📊
Revenue Growth (10Y)	--	--	--	--	--	--	--	--	--	+358.23%	+529.88%	+329.71%	📊
Cost of Revenue	0	0	0	0	0	0	0	0	0	0	1,858	1,199	📊
Cost of Revenue Growth (1Y)	--	--	--	--	--	--	--	--	--	--	--	-35.49%	📊
Cost of Revenue Growth (5Y)	--	--	--	--	--	--	--	--	--	--	--	--	📊
Cost of Revenue Growth (10Y)	--	--	--	--	--	--	--	--	--	--	--	--	📊
Gross Profit	597	713	842	-383	1,098	-765	1,966	1,241	2,842	2,734	2,630	1,863	📊
Gross Profit Growth (1Y)	--	+19.43%	+18.15%	-145.50%	+386.59%	-169.67%	+357.06%	-36.88%	+129.04%	-3.80%	-3.80%	-29.16%	📊
Gross Profit Growth (5Y)	--	--	--	--	+83.98%	-207.32%	+133.50%	+423.95%	+158.90%	+457.52%	+33.80%	-5.21%	📊
Gross Profit Growth (10Y)	--	--	--	--	--	--	--	--	--	+358.23%	+269.12%	+161.49%	📊
Operating Expenses	135	255	325	784	630	382	406	420	1,468	2,098	3,057	2,672	📊
Operating Expenses Growth (1Y)	--	+88.52%	+27.38%	+141.02%	-19.59%	-39.30%	+6.26%	+3.36%	+249.55%	+42.90%	+45.72%	-12.61%	📊
Operating Expenses Growth (5Y)	--	--	--	--	+365.39%	+49.84%	+25.00%	-46.40%	+133.01%	+448.61%	+652.36%	+557.47%	📊
Operating Expenses Growth (10Y)	--	--	--	--	--	--	--	--	--	+1449.69%	+1097.89%	+946.82%	📊
Sell General Administrative	35	89	117	709	538	303	325	320	390	559	0	--	📊
Research and Development	15	30	74	74	92	79	81	98	0	126	0	--	📊
Other Income Expenses	-0	-1	-1	-1	92	79	81	100	1,078	1,413	3,057	2,672	📊
EBITDA	0	0	0	0	0	0	0	0	0	0	-314	-690	📊
EBITDA Growth (1Y)	--	--	--	--	--	--	--	--	--	--	--	-119.95%	📊
EBITDA Growth (5Y)	--	--	--	--	--	--	--	--	--	--	--	--	📊
EBITDA Growth (10Y)	--	--	--	--	--	--	--	--	--	--	--	--	📊
Depreciation and Amortization	16	20	24	31	65	65	50	54	56	62	58	52	📊
Operating Income	1	-180	-26	26	164	-1,063	1,514	1,226	839	636	-427	-808	📊
Operating Income Growth (1Y)	--	-15112.19%	+85.41%	+200.42%	+523.67%	-746.77%	+242.47%	-19.03%	-31.54%	-24.21%	-167.09%	-89.35%	📊
Operating Income Growth (5Y)	--	--	--	--	+13617.11%	-490.97%	+5871.24%	+4553.48%	+410.84%	+159.86%	-128.19%	-153.37%	📊
Operating Income Growth (10Y)	--	--	--	--	--	--	--	--	--	+53004.84%	-137.34%	-349.39%	📊
Interest Expense	300	441	918	975	865	719	594	531	331	348	290	182	📊
Pre Tax Income	-299	-621	-944	-948	164	-1,063	1,514	695	597	629	-662	-924	📊
Tax Provision	4	-56	59	79	100	-193	335	163	143	151	-117	-173	📊
NET INCOME	-303	-565	-1,003	-1,027	65	-870	1,179	532	454	478	-545	-749	📊
Net Income Growth (1Y)	--	-86.40%	-77.53%	-2.37%	+106.31%	-1442.13%	+235.62%	-54.85%	-14.75%	+5.34%	-214.05%	-37.44%	📊
Net Income Growth (5Y)	--	--	--	--	+121.37%	-53.89%	+217.56%	+151.85%	+600.58%	+154.99%	-146.24%	-163.55%	📊
Net Income Growth (10Y)	--	--	--	--	--	--	--	--	--	+257.74%	+3.49%	-32.64%	📊
Basic EPS	-0.61	-1.14	-2.02	-2.93	0.13	-1.77	2.42	1.09	0.93	0.98	-1.11	-1.53	📊
Diluted EPS	-0.61	-1.14	-2.02	-2.93	0.13	-1.77	2.4	1.09	0.93	0.98	-1.11	-1.53	📊
Basic Average Shares	497	497	497	350	495	491	488	487	488	488	488	488	📊
Diluted Average Shares	497	497	497	350	503	492	492	490	490	490	488	488	📊

Breakdown

2015

12/31

2016

12/31

2017

12/31

2018

12/31

2019

12/31

2020

12/31

2021

12/31

2022

12/31

2023

12/31

2024

12/31

2025

12/31

TTM

REVENUE

597

713

842

-383

1,098

-765

1,966

1,241

2,842

2,734

4,488

3,062

📊

Revenue Growth (1Y)

+19.43%

+18.15%

-145.50%

+386.59%

-169.67%

+357.06%

-36.88%

+129.04%

-3.80%

+64.16%

-31.78%

📊

Revenue Growth (5Y)

+83.98%

-207.32%

+133.50%

+423.95%

+158.90%

+457.52%

+128.31%

+55.76%

📊

Revenue Growth (10Y)

+358.23%

+529.88%

+329.71%

📊

Cost of Revenue

1,858

1,199

📊

Cost of Revenue Growth (1Y)

-35.49%

📊

Cost of Revenue Growth (5Y)

📊

Cost of Revenue Growth (10Y)

📊

Gross Profit

597

713

842

-383

1,098

-765

1,966

1,241

2,842

2,734

2,630

1,863

📊

Gross Profit Growth (1Y)

+19.43%

+18.15%

-145.50%

+386.59%

-169.67%

+357.06%

-36.88%

+129.04%

-3.80%

-29.16%

📊

Gross Profit Growth (5Y)

+83.98%

-207.32%

+133.50%

+423.95%

+158.90%

+457.52%

+33.80%

-5.21%

📊

Gross Profit Growth (10Y)

+358.23%

+269.12%

+161.49%

📊

Operating Expenses

135

255

325

784

630

382

406

420

1,468

2,098

3,057

2,672

📊

Operating Expenses Growth (1Y)

+88.52%

+27.38%

+141.02%

-19.59%

-39.30%

+6.26%

+3.36%

+249.55%

+42.90%

+45.72%

-12.61%

📊

Operating Expenses Growth (5Y)

+365.39%

+49.84%

+25.00%

-46.40%

+133.01%

+448.61%

+652.36%

+557.47%

📊

Operating Expenses Growth (10Y)

+1449.69%

+1097.89%

+946.82%

📊

Sell General Administrative

117

709

538

303

325

320

390

559

📊

Research and Development

126

📊

Other Income Expenses

-0

-1

100

1,078

1,413

3,057

2,672

📊

EBITDA

-314

-690

📊

EBITDA Growth (1Y)

-119.95%

📊

EBITDA Growth (5Y)

📊

EBITDA Growth (10Y)

📊

Depreciation and Amortization

📊

Operating Income

-180

-26

164

-1,063

1,514

1,226

839

636

-427

-808

📊

Operating Income Growth (1Y)

-15112.19%

+85.41%

+200.42%

+523.67%

-746.77%

+242.47%

-19.03%

-31.54%

-24.21%

-167.09%

-89.35%

📊

Operating Income Growth (5Y)

+13617.11%

-490.97%

+5871.24%

+4553.48%

+410.84%

+159.86%

-128.19%

-153.37%

📊

Operating Income Growth (10Y)

+53004.84%

-137.34%

-349.39%

📊

Interest Expense

300

441

918

975

865

719

594

531

331

348

290

182

📊

Pre Tax Income

-299

-621

-944

-948

164

-1,063

1,514

695

597

629

-662

-924

📊

Tax Provision

-56

100

-193

335

163

143

151

-117

-173

📊

NET INCOME

-303

-565

-1,003

-1,027

-870

1,179

532

454

478

-545

-749

📊

Net Income Growth (1Y)

-86.40%

-77.53%

-2.37%

+106.31%

-1442.13%

+235.62%

-54.85%

-14.75%

+5.34%

-214.05%

-37.44%

📊

Net Income Growth (5Y)

+121.37%

-53.89%

+217.56%

+151.85%

+600.58%

+154.99%

-146.24%

-163.55%

📊

Net Income Growth (10Y)

+257.74%

+3.49%

-32.64%

📊

Basic EPS

-0.61

-1.14

-2.02

-2.93

0.13

-1.77

2.42

1.09

0.93

0.98

-1.11

-1.53

📊

Diluted EPS

-0.61

-1.14

-2.02

-2.93

0.13

-1.77

2.4

1.09

0.93

0.98

-1.11

-1.53

📊

Basic Average Shares

497

350

495

491

488

487

488

📊

Diluted Average Shares

497

350

503

492

490

488

📊

Breakdown	2015 12/31	2016 12/31	2017 12/31	2018 12/31	2019 12/31	2020 12/31	2021 12/31	2022 12/31	2023 12/31	2024 12/31	2025 12/31	TTM
REVENUE	597	713	842	-383	1,098	-765	1,966	1,241	2,842	2,734	4,488	3,062	📊
Revenue Growth (1Y)	--	+19.43%	+18.15%	-145.50%	+386.59%	-169.67%	+357.06%	-36.88%	+129.04%	-3.80%	+64.16%	-31.78%	📊
Revenue Growth (5Y)	--	--	--	--	+83.98%	-207.32%	+133.50%	+423.95%	+158.90%	+457.52%	+128.31%	+55.76%	📊
Revenue Growth (10Y)	--	--	--	--	--	--	--	--	--	+358.23%	+529.88%	+329.71%	📊
Cost of Revenue	0	0	0	0	0	0	0	0	0	0	1,858	1,199	📊
Cost of Revenue Growth (1Y)	--	--	--	--	--	--	--	--	--	--	--	-35.49%	📊
Cost of Revenue Growth (5Y)	--	--	--	--	--	--	--	--	--	--	--	--	📊
Cost of Revenue Growth (10Y)	--	--	--	--	--	--	--	--	--	--	--	--	📊
Gross Profit	597	713	842	-383	1,098	-765	1,966	1,241	2,842	2,734	2,630	1,863	📊
Gross Profit Growth (1Y)	--	+19.43%	+18.15%	-145.50%	+386.59%	-169.67%	+357.06%	-36.88%	+129.04%	-3.80%	-3.80%	-29.16%	📊
Gross Profit Growth (5Y)	--	--	--	--	+83.98%	-207.32%	+133.50%	+423.95%	+158.90%	+457.52%	+33.80%	-5.21%	📊
Gross Profit Growth (10Y)	--	--	--	--	--	--	--	--	--	+358.23%	+269.12%	+161.49%	📊
Operating Expenses	135	255	325	784	630	382	406	420	1,468	2,098	3,057	2,672	📊
Operating Expenses Growth (1Y)	--	+88.52%	+27.38%	+141.02%	-19.59%	-39.30%	+6.26%	+3.36%	+249.55%	+42.90%	+45.72%	-12.61%	📊
Operating Expenses Growth (5Y)	--	--	--	--	+365.39%	+49.84%	+25.00%	-46.40%	+133.01%	+448.61%	+652.36%	+557.47%	📊
Operating Expenses Growth (10Y)	--	--	--	--	--	--	--	--	--	+1449.69%	+1097.89%	+946.82%	📊
Sell General Administrative	35	89	117	709	538	303	325	320	390	559	0	--	📊
Research and Development	15	30	74	74	92	79	81	98	0	126	0	--	📊
Other Income Expenses	-0	-1	-1	-1	92	79	81	100	1,078	1,413	3,057	2,672	📊
EBITDA	0	0	0	0	0	0	0	0	0	0	-314	-690	📊
EBITDA Growth (1Y)	--	--	--	--	--	--	--	--	--	--	--	-119.95%	📊
EBITDA Growth (5Y)	--	--	--	--	--	--	--	--	--	--	--	--	📊
EBITDA Growth (10Y)	--	--	--	--	--	--	--	--	--	--	--	--	📊
Depreciation and Amortization	16	20	24	31	65	65	50	54	56	62	58	52	📊
Operating Income	1	-180	-26	26	164	-1,063	1,514	1,226	839	636	-427	-808	📊
Operating Income Growth (1Y)	--	-15112.19%	+85.41%	+200.42%	+523.67%	-746.77%	+242.47%	-19.03%	-31.54%	-24.21%	-167.09%	-89.35%	📊
Operating Income Growth (5Y)	--	--	--	--	+13617.11%	-490.97%	+5871.24%	+4553.48%	+410.84%	+159.86%	-128.19%	-153.37%	📊
Operating Income Growth (10Y)	--	--	--	--	--	--	--	--	--	+53004.84%	-137.34%	-349.39%	📊
Interest Expense	300	441	918	975	865	719	594	531	331	348	290	182	📊
Pre Tax Income	-299	-621	-944	-948	164	-1,063	1,514	695	597	629	-662	-924	📊
Tax Provision	4	-56	59	79	100	-193	335	163	143	151	-117	-173	📊
NET INCOME	-303	-565	-1,003	-1,027	65	-870	1,179	532	454	478	-545	-749	📊
Net Income Growth (1Y)	--	-86.40%	-77.53%	-2.37%	+106.31%	-1442.13%	+235.62%	-54.85%	-14.75%	+5.34%	-214.05%	-37.44%	📊
Net Income Growth (5Y)	--	--	--	--	+121.37%	-53.89%	+217.56%	+151.85%	+600.58%	+154.99%	-146.24%	-163.55%	📊
Net Income Growth (10Y)	--	--	--	--	--	--	--	--	--	+257.74%	+3.49%	-32.64%	📊
Basic EPS	-0.61	-1.14	-2.02	-2.93	0.13	-1.77	2.42	1.09	0.93	0.98	-1.11	-1.53	📊
Diluted EPS	-0.61	-1.14	-2.02	-2.93	0.13	-1.77	2.4	1.09	0.93	0.98	-1.11	-1.53	📊
Basic Average Shares	497	497	497	350	495	491	488	487	488	488	488	488	📊
Diluted Average Shares	497	497	497	350	503	492	492	490	490	490	488	488	📊

Breakdown

2015

12/31

2016

12/31

2017

12/31

2018

12/31

2019

12/31

2020

12/31

2021

12/31

2022

12/31

2023

12/31

2024

12/31

2025

12/31

TTM

REVENUE

597

713

842

-383

1,098

-765

1,966

1,241

2,842

2,734

4,488

3,062

📊

Revenue Growth (1Y)

+19.43%

+18.15%

-145.50%

+386.59%

-169.67%

+357.06%

-36.88%

+129.04%

-3.80%

+64.16%

-31.78%

📊

Revenue Growth (5Y)

+83.98%

-207.32%

+133.50%

+423.95%

+158.90%

+457.52%

+128.31%

+55.76%

📊

Revenue Growth (10Y)

+358.23%

+529.88%

+329.71%

📊

Cost of Revenue

1,858

1,199

📊

Cost of Revenue Growth (1Y)

-35.49%

📊

Cost of Revenue Growth (5Y)

📊

Cost of Revenue Growth (10Y)

📊

Gross Profit

597

713

842

-383

1,098

-765

1,966

1,241

2,842

2,734

2,630

1,863

📊

Gross Profit Growth (1Y)

+19.43%

+18.15%

-145.50%

+386.59%

-169.67%

+357.06%

-36.88%

+129.04%

-3.80%

-29.16%

📊

Gross Profit Growth (5Y)

+83.98%

-207.32%

+133.50%

+423.95%

+158.90%

+457.52%

+33.80%

-5.21%

📊

Gross Profit Growth (10Y)

+358.23%

+269.12%

+161.49%

📊

Operating Expenses

135

255

325

784

630

382

406

420

1,468

2,098

3,057

2,672

📊

Operating Expenses Growth (1Y)

+88.52%

+27.38%

+141.02%

-19.59%

-39.30%

+6.26%

+3.36%

+249.55%

+42.90%

+45.72%

-12.61%

📊

Operating Expenses Growth (5Y)

+365.39%

+49.84%

+25.00%

-46.40%

+133.01%

+448.61%

+652.36%

+557.47%

📊

Operating Expenses Growth (10Y)

+1449.69%

+1097.89%

+946.82%

📊

Sell General Administrative

117

709

538

303

325

320

390

559

📊

Research and Development

126

📊

Other Income Expenses

-0

-1

100

1,078

1,413

3,057

2,672

📊

EBITDA

-314

-690

📊

EBITDA Growth (1Y)

-119.95%

📊

EBITDA Growth (5Y)

📊

EBITDA Growth (10Y)

📊

Depreciation and Amortization

📊

Operating Income

-180

-26

164

-1,063

1,514

1,226

839

636

-427

-808

📊

Operating Income Growth (1Y)

-15112.19%

+85.41%

+200.42%

+523.67%

-746.77%

+242.47%

-19.03%

-31.54%

-24.21%

-167.09%

-89.35%

📊

Operating Income Growth (5Y)

+13617.11%

-490.97%

+5871.24%

+4553.48%

+410.84%

+159.86%

-128.19%

-153.37%

📊

Operating Income Growth (10Y)

+53004.84%

-137.34%

-349.39%

📊

Interest Expense

300

441

918

975

865

719

594

531

331

348

290

182

📊

Pre Tax Income

-299

-621

-944

-948

164

-1,063

1,514

695

597

629

-662

-924

📊

Tax Provision

-56

100

-193

335

163

143

151

-117

-173

📊

NET INCOME

-303

-565

-1,003

-1,027

-870

1,179

532

454

478

-545

-749

📊

Net Income Growth (1Y)

-86.40%

-77.53%

-2.37%

+106.31%

-1442.13%

+235.62%

-54.85%

-14.75%

+5.34%

-214.05%

-37.44%

📊

Net Income Growth (5Y)

+121.37%

-53.89%

+217.56%

+151.85%

+600.58%

+154.99%

-146.24%

-163.55%

📊

Net Income Growth (10Y)

+257.74%

+3.49%

-32.64%

📊

Basic EPS

-0.61

-1.14

-2.02

-2.93

0.13

-1.77

2.42

1.09

0.93

0.98

-1.11

-1.53

📊

Diluted EPS

-0.61

-1.14

-2.02

-2.93

0.13

-1.77

2.4

1.09

0.93

0.98

-1.11

-1.53

📊

Basic Average Shares

497

350

495

491

488

487

488

📊

Diluted Average Shares

497

350

503

492

490

488

📊

Ex-Dividend date
Payment date
Annual Dividend	0.05 (HKD)
Dividend Yield	4.24%
Shareholders Yield	--
Next Earnings	--
Market cap	574.56M (HKD)
EPS (TTM)	-1.53 (HKD)
P/E (TTM)	-0.77 (HKD)
Last Close	1.18

Next Earnings	--
Market cap	574.56M (HKD)
EPS (TTM)	-1.53 (HKD)
P/E (TTM)	-0.77 (HKD)
Last Close	1.18 (HKD)

Ex-Dividend date
Payment date
Annual Dividend	0.05 (HKD)
Dividend Yield	4.24%
Shareholders Yield	--
Next Earnings	--
Market cap	574.56M (HKD)
EPS (TTM)	-1.53 (HKD)
P/E (TTM)	-0.77 (HKD)
Last Close	1.18

Next Earnings	--
Market cap	574.56M (HKD)
EPS (TTM)	-1.53 (HKD)
P/E (TTM)	-0.77 (HKD)
Last Close	1.18 (HKD)