Sunny Loan Top Co., Ltd. (600830) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Sunny Loan Top Co., Ltd.

Why is Sunny Loan Top Co., Ltd. ?

Poor Management Efficiency with a low ROCE of 2.24%

The company has been able to generate a Return on Capital Employed (avg) of 2.24% signifying low profitability per unit of total capital (equity and debt)

Poor long term growth as Net Sales has grown by an annual rate of 14.09% and Operating profit at 54.86% over the last 5 years

Flat results in Sep 25

INTEREST(HY) At CNY 0.57 MM has Grown at 142.89%
DEBT-EQUITY RATIO (HY) Highest at 100.29 %

With ROE of 3.74%, it has a expensive valuation with a 1.99 Price to Book Value

Over the past year, while the stock has generated a return of 0.97%, its profits have risen by 14.7% ; the PEG ratio of the company is 3.6
At the current price, the company has a high dividend yield of 0.2

Underperformed the market in the last 1 year

The stock has generated a return of 0.97% in the last 1 year, much lower than market (China Shanghai Composite) returns of 22.49%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Sunny Loan Top Co., Ltd. should be less than 10%
Overall Portfolio exposure to Retailing should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Retailing)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Sunny Loan Top Co., Ltd. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Sunny Loan Top Co., Ltd.

-6.03%

1.09

33.36%

China Shanghai Composite

13.33%

1.58

14.20%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

14.09%

EBIT Growth (5y)

54.86%

EBIT to Interest (avg)

30.51

Debt to EBITDA (avg)

3.61

Net Debt to Equity (avg)

0.62

Sales to Capital Employed (avg)

0.09

Tax Ratio

31.28%

Dividend Payout Ratio

12.82%

Pledged Shares

Institutional Holding

ROCE (avg)

2.24%

ROE (avg)

1.65%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.99

EV to EBIT

38.11

EV to EBITDA

33.22

EV to Capital Employed

1.52

EV to Sales

14.24

PEG Ratio

3.62

Dividend Yield

0.15%

ROCE (Latest)

4.00%

ROE (Latest)

3.74%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bullish

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Mildly Bullish

Mildly Bearish

Dow Theory

Mildly Bearish

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

10What is working for the Company

ROCE(HY)

Highest at 3.07%

DEBTORS TURNOVER RATIO(HY)

Highest at 14.73 times

RAW MATERIAL COST(Y)

Fallen by -5.42% (YoY

NET PROFIT(9M)

Higher at CNY 73.58 MM

INVENTORY TURNOVER RATIO(HY)

Highest at 4.38 times

OPERATING PROFIT(Q)

Highest at CNY 50.34 MM

PRE-TAX PROFIT(Q)

Highest at CNY 52.78 MM

-10What is not working for the Company

INTEREST(HY)

At CNY 0.57 MM has Grown at 142.89%

DEBT-EQUITY RATIO (HY)

Highest at 100.29 %

Here's what is working for Sunny Loan Top Co., Ltd.

Debtors Turnover Ratio

Highest at 14.73 times and Grown

In each half year in the last five Semi-Annual periods

MOJO Watch

Company has been able to sell its Debtors faster

Debtors Turnover Ratio

Operating Profit

Highest at CNY 50.34 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (CNY MM)

Pre-Tax Profit

Highest at CNY 52.78 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (CNY MM)

Pre-Tax Profit

At CNY 52.78 MM has Grown at 79.84%

over average net sales of the previous four periods of CNY 29.35 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (CNY MM)

Inventory Turnover Ratio

Highest at 4.38 times

in the last five Semi-Annual periods

MOJO Watch

Company has been able to sell its inventory faster

Inventory Turnover Ratio

Net Profit

Higher at CNY 73.58 MM

than preceding 12 month period ended Sep 2025

MOJO Watch

In the nine month period the company has already crossed sales of the previous twelve months

Net Profit (CNY MM)

Raw Material Cost

Fallen by -5.42% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Here's what is not working for Sunny Loan Top Co., Ltd.

Interest

At CNY 0.57 MM has Grown at 142.89%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (CNY MM)

Debt-Equity Ratio

Highest at 100.29 % and Grown

In each half year in the last five Semi-Annual periods

MOJO Watch

The company is borrowing more to fund its operations; it's liquidity situation may be stressed

Debt-Equity Ratio