Fincera Inc. (YUANF)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Fincera Inc. (YUANF) trades at $0.00 with AI Score 63/100 (Grade B+). Fincera Inc. provides online lending and e-commerce services for small and medium-sized businesses and individuals in China through its CeraVest and CeraPay platforms. Market cap: $26.90M, Sector: Financial services.
Price live · AI analysis from Jun 15, 2026Analyst Coverage for YUANF: YUANF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates YUANF against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
YUANF: 3/4 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Fincera Inc. (YUANF) Financial Services Profile
Fincera Inc. operates in China, providing online lending and e-commerce services primarily to small and medium-sized businesses through platforms like CeraVest and CeraPay. The company also manages property assets, including office space and the Shijiazhuang Hilton hotel, diversifying its revenue streams within the financial services and real estate sectors.
What Is the Investment Thesis for YUANF?
Fincera Inc. presents a unique investment profile driven by its dual operational strategy in China's financial services and property management sectors. The company's Internet-Based Financial and E-Commerce Services segment, particularly its CeraVest P2P lending platform and CeraPay revolving credit product, targets the underserved small and medium-sized business (SMB) market, which continues to exhibit significant demand for short-term financing and efficient transaction processing. With a reported Profit Margin of 19.5% and a Gross Margin of 91.7%, the company demonstrates strong operational efficiency in its existing business lines. The Property Lease and Management segment, anchored by its ownership of office space and management of the Shijiazhuang Hilton hotel, provides a stable, recurring revenue stream that can potentially mitigate volatility inherent in the financial services sector. The company's current market capitalization stands at $0.03 billion, with a P/E ratio of 0.0, suggesting either no earnings or a very low valuation relative to earnings if any. Future growth catalysts could include expanding the user base for CeraVest and CeraPay, optimizing property asset utilization, and navigating the evolving regulatory landscape for online lending in China. However, the negative Beta of -2.21 indicates an inverse relationship with market movements, which could be a risk factor, alongside the inherent challenges of operating in the OTC market with unknown disclosure status.
Based on FMP financials and quantitative analysis
YUANF Key Highlights
- Market Capitalization of $26.90M, reflecting its current valuation in the market.
- Profit Margin of 19.5%, indicating the company's efficiency in converting revenue into net income.
- Gross Margin of 91.7%, highlighting strong profitability at the core operational level before operating expenses.
- P/E ratio of 0.0, suggesting either no reported earnings or a valuation that does not reflect positive earnings.
- Beta of -2.21, indicating an inverse correlation with overall market movements, which is an unusual characteristic.
Who Are YUANF's Competitors?
YUANF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ATLC Atlanticus Holdings Corporation | $96.44 | +0.04% | $1.46B | 71 |
| LPRO Open Lending Corporation | $3.13 | +0.64% | $370.35M | 68 |
| ATLCZ Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 | $25.30 | +0.38% | $1.46B | 68 |
| AHG Akso Health Group | $1.51 | -0.66% | $143.04M | 67 |
| OBDC Blue Owl Capital Corporation | $10.95 | +1.16% | $5.43B | 64 |
| OMCC Old Market Capital Corporation (OMCC) | $4.25 | +1.19% | $28.97M | 64 |
| FDCHF Funding Circle Holdings plc | $2.18 | +0.00% | $618.04M | 62 |
| EHMEF goeasy Ltd. | $33.89 | +0.00% | $543.38M | 61 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are YUANF's Key Strengths?
- Diversified revenue streams from financial services and property management.
- Strong gross margin of 91.7% in core operations.
- Established presence in China's SMB lending market.
- Ownership of tangible assets like office space and a managed hotel.
What Are YUANF's Weaknesses?
- Low market capitalization of $26.90M.
- P/E ratio of 0.0 suggests potential profitability issues or lack of reported earnings.
- Negative Beta of -2.21 indicates unusual market correlation.
- "Unknown" disclosure status on OTC market limits transparency.
What Could Drive YUANF Stock Higher?
- **Upcoming**: Potential for regulatory clarity or favorable policy changes in China's online lending sector, which could stabilize the operating environment and attract more participants to platforms like CeraVest.
- **Upcoming**: Introduction of new financial products or services leveraging existing technology platforms, expanding the addressable market for Fincera's Internet-Based Financial segment.
- **Ongoing**: Continued growth in the Chinese small and medium-sized business (SMB) sector, driving increased demand for Fincera's short-term financing and e-commerce transaction services.
- **Ongoing**: Strategic initiatives to enhance occupancy rates or revenue per available room (RevPAR) at the Shijiazhuang Hilton hotel, boosting the Property Lease and Management segment's profitability.
- **Upcoming**: Any voluntary improvement in financial disclosure practices, potentially moving to a higher OTC tier, which could increase investor confidence and liquidity.
What Are the Key Risks for YUANF?
- Financial-distress signal — its Altman Z-Score of 0.25 sits in the distress zone (elevated bankruptcy risk).
- **Ongoing**: Regulatory tightening and uncertainty in China's online lending and fintech sectors, which could impose stricter compliance costs or operational restrictions on CeraVest and CeraPay.
- **Potential**: Significant competition from established banks, larger fintech companies, and other P2P lenders in China, potentially eroding market share and profitability.
- **Ongoing**: Lack of transparency and "Unknown" disclosure status on the OTC market, limiting investor access to critical financial and operational information and increasing investment risk.
- **Potential**: Economic slowdown in China impacting the ability of SMBs and individuals to repay loans, leading to higher default rates for Fincera's lending platforms.
- **Ongoing**: Low liquidity and wide bid-ask spreads associated with trading on the OTC Other tier, making it challenging for investors to enter or exit positions efficiently.
What Are the Growth Opportunities for YUANF?
- **Expansion of Online Lending Platforms to Underserved SMBs**: Fincera's CeraVest platform is positioned to capture a larger share of the short-term financing market for small and medium-sized businesses in China. This segment often faces challenges in securing credit from traditional banks, creating a substantial demand for alternative lending solutions. The market for SMB financing in China is vast, estimated to be in the trillions of yuan, with significant unmet needs. By enhancing its credit assessment models, expanding its merchant network for CeraPay, and optimizing user experience, Fincera could significantly increase its loan origination volume and transaction processing capabilities over the next 3-5 years.
- **Deepening E-commerce Integration and Services**: The CeraPay revolving credit product not only facilitates lending but also processes and settles transactions, positioning Fincera within the rapidly expanding e-commerce ecosystem in China. By further integrating CeraPay with more merchants and e-commerce platforms, Fincera can enhance its value proposition, driving increased transaction volumes and generating higher fee-based revenues. This strategy could also lead to richer data insights for credit scoring, creating a virtuous cycle. The Chinese e-commerce market continues to grow at double-digit rates annually, presenting a long-term opportunity over the next 5-7 years.
- **Optimizing Property Asset Utilization and Management**: Fincera's ownership of office space and management of the Shijiazhuang Hilton hotel represent tangible assets with potential for enhanced revenue generation. This could involve strategic renovations, optimizing occupancy rates, or exploring new lease structures for its office properties. For the Shijiazhuang Hilton, implementing targeted marketing campaigns or expanding event hosting capabilities could boost hospitality revenues. Given the stability of the commercial real estate and hospitality sectors in major Chinese cities, this segment offers a consistent, albeit slower, growth trajectory over the next 5-10 years, providing diversification from its financial services.
- **Geographic Expansion within China for Financial Services**: While headquartered in Shijiazhuang, Fincera has the opportunity to expand the reach of its Internet-Based Financial and E-Commerce Services to other Tier 2 and Tier 3 cities across China. Many of these regions also have a significant population of SMBs and individuals who are underserved by traditional financial institutions and are increasingly adopting digital financial solutions. A phased expansion strategy, focusing on regions with strong economic growth and a high density of target businesses, could unlock new customer bases and revenue streams over the next 3-7 years, leveraging its existing technological infrastructure.
- **Innovation in Financial Technology (FinTech) Offerings**: The rapid evolution of FinTech presents opportunities for Fincera to introduce new products and services beyond its current P2P lending and revolving credit. This could include exploring blockchain-based lending solutions, AI-driven credit scoring enhancements, or specialized financial products tailored for specific industry verticals within the SMB sector. Investing in R&D and strategic partnerships could allow Fincera to stay competitive and capture emerging market needs, potentially creating new revenue streams and strengthening its market position over the next 2-5 years.
What Opportunities Does YUANF Have?
- Expanding reach of online lending and e-commerce services to underserved Chinese SMBs.
- Optimizing revenue from property assets through strategic management.
- Potential for new FinTech product development and innovation.
- Geographic expansion within China for financial services.
What Threats Does YUANF Face?
- Evolving and tightening regulatory environment for online lending in China.
- Intense competition from other fintech companies and traditional banks.
- Economic downturns impacting SMB loan demand and repayment ability.
- Volatility inherent in OTC markets and limited disclosure.
What Are YUANF's Competitive Advantages?
- Established presence and operational experience in China's online lending market since 1994 (as AutoChina International).
- Proprietary technology platforms (CeraVest, CeraPay) for P2P lending and e-commerce transactions.
- Tangible asset base including owned office space and a managed Hilton hotel, providing diversified revenue.
- Local market knowledge and relationships within Shijiazhuang and potentially wider China.
- Ability to cater to underserved SMBs, a segment often overlooked by traditional banks.
What Does YUANF Do?
Fincera Inc., founded in 1994 and headquartered in Shijiazhuang, People's Republic of China, has evolved into a diversified entity focusing on financial services and property management. Initially known as AutoChina International Limited, the company rebranded to Fincera Inc. in July 2015, signaling a strategic shift towards its current core operations. The company primarily serves small and medium-sized businesses (SMBs) and individuals within China, addressing their financing and transactional needs through its Internet-Based Financial and E-Commerce Services segment. A cornerstone of its financial offerings is CeraVest, a peer-to-peer (P2P) lending platform designed to provide short-term financing solutions, predominantly to SMBs that may face challenges accessing traditional bank credit. Complementing this is CeraPay, a revolving credit product facilitating seamless transaction processing and settlement between Fincera's borrowers and a network of merchants, thereby integrating lending with e-commerce functionalities. Beyond its digital financial platforms, Fincera Inc. maintains a significant presence in the Property Lease and Management segment. This includes the ownership and leasing of commercial office space, contributing to a stable stream of rental income. Furthermore, the company operates and manages the Shijiazhuang Hilton hotel, situated within the Kaiyuan Finance Center building. This dual operational model allows Fincera Inc. to leverage both the burgeoning digital finance market in China and the tangible asset base of its real estate holdings, positioning it as a unique player with exposure to both technology-driven financial solutions and traditional asset management. With 762 employees, Fincera Inc. aims to cater to the evolving financial and commercial needs of its target demographic in China.
What Products and Services Does YUANF Offer?
- Operates CeraVest, a peer-to-peer (P2P) lending platform for short-term financing.
- Primarily provides loans to small and medium-sized businesses (SMBs) in China.
- Manages CeraPay, a revolving credit product for transaction processing and settlement.
- Facilitates e-commerce services by connecting borrowers with merchants through CeraPay.
- Owns and leases commercial office space, generating rental income.
- Operates and manages the Shijiazhuang Hilton hotel within the Kaiyuan Finance Center building.
- Focuses on the Chinese market for both its financial and property services.
How Does YUANF Make Money?
- Generates revenue from interest and fees charged on loans facilitated through its CeraVest P2P platform.
- Earns fees from transaction processing and settlement services provided by CeraPay.
- Derives rental income from the leasing of its owned commercial office space.
- Generates revenue from hotel operations, including room bookings, food and beverage, and event services, from the Shijiazhuang Hilton.
- Leverages a dual-segment approach, combining internet-based financial services with property lease and management.
What Industry Does YUANF Operate In?
Fincera Inc. operates within China's dynamic Financial Services sector, specifically the Financial - Credit Services industry, alongside its Property Lease and Management segment. The Chinese market for online lending, particularly for small and medium-sized businesses (SMBs), has experienced significant growth, driven by increasing digital adoption and the traditional banking sector's limited reach to this demographic. However, this industry is also subject to stringent and evolving regulatory oversight, which can impact operational models and profitability. Fincera's CeraVest and CeraPay platforms position it within the fintech landscape, competing with other P2P lenders and digital payment providers. Its property management arm places it in the commercial real estate and hospitality sectors, which are influenced by broader economic conditions and local market dynamics in Shijiazhuang. The company's dual focus allows it to tap into different market trends, balancing the high-growth, high-risk nature of online finance with the more stable, asset-backed income from real estate.
Who Are YUANF's Key Customers?
- Small and medium-sized businesses (SMBs) seeking short-term financing in China.
- Individuals utilizing peer-to-peer lending services.
- Merchants participating in the CeraPay network for transaction processing.
- Tenants leasing commercial office space.
- Guests and corporate clients utilizing the Shijiazhuang Hilton hotel services.
How Fincera Inc. Is Valued
Fincera Inc. carries a market capitalization of $26.90M, placing it in the micro-cap category. Relative to its peer group, YUANF's quantitative score of 63/100 is roughly in line with the peer average of 68/100.
Company Profile
Fincera Inc. operates in the Financial - Credit Services industry within the Financial Services sector. It is headquartered in Shijiazhuang, CN. The company is led by CEO Yong Hui Li. YUANF has traded publicly since 2008.
ROE 240%Key Financial Metrics
Return on equity for Fincera Inc. stands at 240.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 5.8%, showing how much profit it generates from its asset base. YUANF trades at a trailing price-to-earnings ratio of 0.00, below the Financial Services sector average of ~18x. Its free cash flow yield is 85.4%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.83 means current liabilities exceed short-term assets, a liquidity point worth watching.
F-Score 6/9Financial Health
Fincera Inc.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.25 places it in the distress zone, a signal of elevated financial risk.
Net buyingInsider Activity
The most recent 9 insider filings for Fincera Inc. break down as 1 sales and 8 purchases. On net that is roughly 421K shares acquired (about $2.1M) — insiders putting money in tends to read as conviction.
YUANF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying could signal confidence in Fincera's future prospects, suggesting those closest to the company believe it's undervalued.
- Positive community sentiment indicates growing optimism about Fincera's strategic direction and potential for growth in its sector.
- Bullish community views highlight the company's innovative approach and its ability to adapt to changing market conditions.
- Market perception suggests Fincera is gaining traction in a niche market, potentially leading to increased market share and revenue.
Bear Case
- Recent lack of news or significant developments surrounding Fincera may indicate stagnation or a lack of catalysts for growth.
- Bearish community views express concerns about the company's long-term viability and ability to compete effectively.
- General market perception of Fincera suggests a lack of awareness or understanding of its business model and value proposition.
- Limited insider activity, or a lack of information on insider activity, could raise questions about management's confidence in the company's prospects.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
YUANF Latest News
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Stocks That Hit 52-Week Lows On Friday
· Jan 31, 2020
YUANF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for YUANF.
Price Targets
Wall Street price target analysis for YUANF.
YUANF MoonshotScore
What does this score mean?
The MoonshotScore rates YUANF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Yong Hui Li
Chief Executive Officer
Yong Hui Li serves as the Chief Executive Officer of Fincera Inc., where he is responsible for managing the company's 762 employees and overseeing its dual operations in internet-based financial services and property management. While specific details regarding his educational background and prior career history are not provided in the available data, his role as CEO suggests extensive experience in corporate leadership and strategic management within the financial services or related sectors in China. His leadership is central to guiding Fincera's strategic direction and operational execution across its diverse business segments.
Track Record: Under Yong Hui Li's leadership, Fincera Inc. continues to operate its CeraVest P2P lending platform and CeraPay e-commerce services, catering to small and medium-sized businesses and individuals in China. His tenure has seen the ongoing management of the company's property assets, including the Shijiazhuang Hilton hotel. The company maintains a notable gross margin of 91.7%, indicating efficient core operations under his stewardship.
YUANF OTC Market Information
Fincera Inc. trades on the OTC Other tier of the OTC market. This tier is typically reserved for companies that do not meet the disclosure standards of higher OTC tiers like OTCQX or OTCQB, or those that are not current in their reporting. Unlike major exchanges such as NYSE or NASDAQ, which have strict listing requirements for financial health, corporate governance, and regular reporting, the OTC Other tier has minimal to no reporting requirements. This classification often indicates a lack of publicly available financial information or a company that has ceased to provide regular disclosures to the public market.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited or "Unknown" public disclosure, hindering informed investment decisions.
- Extremely low trading liquidity, making it difficult to buy or sell shares.
- Absence of regulatory oversight comparable to major exchanges.
- Potential for price manipulation due to low trading volume and transparency.
- Difficulty in obtaining reliable valuation metrics and financial performance data.
- Verify any available financial statements through independent sources.
- Research any news or press releases from the company, even if infrequent.
- Assess the company's operational status and business activities independently.
- Understand the regulatory environment in China for its specific business segments.
- Investigate any legal or compliance issues the company may have faced.
- Evaluate the background and track record of management beyond provided data.
- Consider the potential for delisting or further deterioration of trading status.
- The company was founded in 1994, indicating a long operational history.
- It operates a recognized hotel brand (Hilton) in Shijiazhuang.
- It has 762 employees, suggesting a substantive operational presence.
- It provides specific financial services platforms (CeraVest, CeraPay).
- It has a physical headquarters in Shijiazhuang, China.
What Investors Ask About Fincera Inc. (YUANF) — Financial Services
What does Fincera Inc. do?
Fincera Inc. operates a dual business model in China, primarily focused on internet-based financial services and property management. In its financial segment, the company provides online lending solutions to small and medium-sized businesses (SMBs) and individuals through its CeraVest peer-to-peer (P2P) platform, offering short-term financing. It also facilitates e-commerce transactions via CeraPay, a revolving credit product that processes settlements between borrowers and merchants. Complementing these digital services, Fincera Inc. owns and leases commercial office space and manages the Shijiazhuang Hilton hotel, situated within the Kaiyuan Finance Center building, generating revenue from real estate and hospitality operations.
How sensitive is YUANF to interest rate changes?
Fincera Inc.'s sensitivity to interest rate changes primarily stems from its Internet-Based Financial Services segment, particularly its CeraVest P2P lending platform and CeraPay revolving credit product. As a lender, rising interest rates could potentially increase the cost of capital for Fincera if it relies on external funding, or it could impact the affordability and demand for loans from its SMB and individual borrowers. Conversely, a decrease in interest rates might stimulate borrowing activity but could also compress net interest margins if lending rates fall faster than funding costs. The specific impact depends on the structure of its loan products, its funding sources, and its ability to adjust rates to maintain profitability, which is not fully detailed in the provided data.
What regulatory challenges does Fincera Inc. face?
Fincera Inc. operates within China's highly regulated financial services landscape, particularly concerning online lending and fintech. The Chinese government has significantly tightened regulations on peer-to-peer (P2P) lending platforms in recent years, imposing stricter capital requirements, operational guidelines, and disclosure mandates aimed at mitigating financial risks and protecting investors. These evolving regulations could necessitate substantial compliance investments, limit the scope of Fincera's lending activities, or even lead to operational restructuring. Furthermore, the "Unknown" disclosure status on the OTC market suggests potential challenges in meeting public reporting standards, which could attract further scrutiny or limit access to capital markets.
What are the main risks for YUANF?
Fincera Inc. faces several significant risks. Operationally, the evolving and often stringent regulatory environment for online lending in China poses an ongoing threat, potentially impacting its CeraVest and CeraPay platforms through increased compliance costs or restrictions on business models. Economically, a slowdown in the Chinese economy could reduce demand for SMB loans and increase default rates, directly affecting profitability. From a market perspective, its trading on the OTC Other tier with an "Unknown" disclosure status presents substantial risks, including extremely low liquidity, wide bid-ask spreads, and a lack of reliable financial information, making informed investment decisions challenging and increasing the potential for price volatility and manipulation.
What are the key factors to evaluate for YUANF?
Fincera Inc. (YUANF) holds an AI score of 63/100 (moderate). P/E: 0.0x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does YUANF data refresh on this page?
YUANF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven YUANF's recent stock price performance?
Fincera Inc. (YUANF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified revenue streams from financial services and property management. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider YUANF overvalued or undervalued right now?
Fincera Inc. (YUANF) trades at 0.0x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited financial data provided beyond key metrics (Market Cap, P/E, Margins, Beta).
- Specific details on CEO background and tenure are inferred due to lack of explicit information.
- Competitor information is not provided in source data, handled by explicitly stating 'Unknown'.
- Growth opportunities and risks are based on general industry knowledge applied to the company's stated business model due to limited specific company strategy details.