YZJ Fin Hldg    Last:0.24    +0.005

YZJFH - potentially rewarding

not in a hurry .... waiting for it to stabilise ... then collect ... tiam tiam 👀  
much like iFast financial 
stability, dividends, big discount to nav ... more for investors looking for recurring profit

Tob231      ( Date: 25-Nov-2025 12:28) Posted: waiting for it to stablize ... dividend seems good 4-5%

 

Getting lower and lower going 39cents?

 

Just based on the observations in the past

 

What is the NAV and possbile yield now?

tch77_pt75      ( Date: 26-Nov-2025 09:04) Posted: YZJFH share price seems to be suppressed?

 

YZJFH share price seems to be suppressed?

 

Thanks volvo125 for the clarification.
I know is tall order, just being greedy la.....LOL.

 

No need to guess. Refer to page 63/63 of YMD introductory document.

YMD NPAT already split from YFH as at 1H25 at USD63.54m or $82.28m (after MI, at exchange 1:0.7717), so YFH NPAT will be left with =137.7 minus 82.28 = $55.42m.

Crude estimates, 2x1H25 means YFH ~$110m and YMD $164m, but I believe both could do more.

The full $204m NPL provisions will be retained in YFH balance sheet so YFH could really benefit significantly from write back going forward. YMD deployment of maritime assets is fast accelerating so 2H earning could really surpass 1H.
. 
Your dream of getting a FY25 4ct DPS means both entities must achieve a combined NPAT of ~$350m .. a tall order &hellip I think. $300m~320m likely.

pkli899      ( Date: 25-Nov-2025 15:21) Posted: It is interesting to see how they are going to split the profit earned prior to spin off? Without the spin off, I expect about 4c dividend (very greedy me). Now that the company had been divided, will they split the money they made before 18 Nov among the two entities? Can they retain all profit with YZJFH and give out the usual minimum 40%? Or split accordingly, then conserve the portion with YZJMD for growth purposes?

 

It is interesting to see how they are going to split the profit earned prior to spin off?
Without the spin off, I expect about 4c dividend (very greedy me).
Now that the company had been divided, will they split the money they made before 18 Nov among the two entities?
Can they retain all profit with YZJFH and give out the usual minimum 40%?
Or split accordingly, then conserve the portion with YZJMD for growth purposes?

 

waiting for it to stablize ... dividend seems good 4-5%
 

 

So weak , want to offload also no chance . Sigh..........

 

My top pick will be yzj shipbuilding follow by marine 

tch77_pt75      ( Date: 24-Nov-2025 13:12) Posted: Out of the 3 stocks- YZJ Shipping, Financial Holding and Marine, I think YZJ Shipping is worth to buy? Just my take! Waterrat      ( Date: 24-Nov-2025 12:01) Posted: 0.485 might not even hold stil think of reaching 0.5 , funny

 

Out of the 3 stocks- YZJ Shipping, Financial Holding and Marine, I think YZJ Shipping is worth to buy?

Just my take!

Waterrat      ( Date: 24-Nov-2025 12:01) Posted: 0.485 might not even hold stil think of reaching 0.5 , funny  piscesmonkey      ( Date: 24-Nov-2025 11:04) Posted: Today close 505?

 

0.485 might not even hold stil think of reaching 0.5 , funny 

piscesmonkey      ( Date: 24-Nov-2025 11:04) Posted: Today close 505?

 

There is a wall of 5.8-million at 50.0cent.

To go up to 50.5, need to clear at least 10-million share....

piscesmonkey      ( Date: 24-Nov-2025 11:04) Posted: Today close 505?

 

Today close 505?

 

Key Strengths of Yangzijiang Financial (YF8)

1. Diversified Investment Business Model
   • YF8 isn&rsquo t just doing one thing &mdash it has multiple business lines: investment management (both public and private), debt investments, fund management, and wealth management.  
   • This diversification helps it capture different types of income (management fees, performance fees, investment returns).  
2. Strong Financial Position & Low Leverage
   • According to GuruFocus, YF8 has a very strong financial strength rating (10/10), indicating a solid balance sheet.  
   • Its debt-to-revenue ratio is essentially 0, meaning it has little to no debt.  
   • This low leverage reduces financial risk and gives the company flexibility.
3. Good Cash Flow Generation
   • YF8 is generating strong free cash flow. According to its fundamentals, it has free cash flow that gives flexibility for dividends, growth, or investments.  
   • Simply Wall St also noted strong operating income (e.g., SGD ~ 295.5 m as of Dec 2024).  
4. Undervalued / Attractive Valuation
   • Its P/E ratio is very low (around 5&ndash 5.4× ) according to various analyses, which could indicate the stock is undervalued relative to its earnings.  
   • Simply Wall St&rsquo s DCF model suggests the stock could be trading below its fair value by ~ 17%, implying potential upside.  
5. Strong Dividend Policy
   • The company has a track record of returning capital to shareholders. For example, it proposed a dividend payment of S$0.022/share in its FY2023 results, corresponding to a ~ 40% payout ratio.  
   • A consistent dividend, alongside good cash generation, can make it attractive to income-focused investors.
6. Strategic Geographic Footprint
   • YF8 is based in both Singapore and China, giving it strong local presence in Asia&rsquo s core markets.  
   • It has leveraged its network to access deal flow, especially in China, working with &ldquo prominent families, investment banks, and sovereign wealth funds.&rdquo  
   • It is expanding its exposure beyond China: its annual report noted that it has reduced its China debt exposure and increased investments in Singapore / outside China.  
7. Strategic Partnerships
   • YF8 has partnered with Tahan Capital Management to invest in Asia private credit assets. This helps it tap into the growing Asia private credit market.  
   • It also signed an MOU with ADDX, a digital securities exchange, to distribute its capital markets products (like its maritime fund).  
   • These partnerships broaden its distribution capabilities and expand its product reach.
8. Experienced Management + Talent Pool
   • The company emphasizes having a seasoned leadership team: over 50 professionals across investment, banking, legal, and analytics in both China and Singapore.  
   • This talent depth helps in executing multi-asset investment strategies and managing cross-border risks.
9. Proven Track Record & Growth Ambition
   • In its 2023 annual report, YF8 stressed its ambition to become a &ldquo leading investment manager in Asia.&rdquo  
   • It has grown its Assets Under Management (AUM) as of 31 Dec 2023, AUM was ~ S$4.0 b.  
   • It maintains a disciplined approach &ndash reducing over-concentration in China (de-risking) while building other regional exposure.  
10. Resilient Profitability
    • Even though its revenue dipped (in some periods), its net income rose significantly. For example, in 2024, despite a revenue drop, net income grew ~51%.  
    • This suggests good cost control, operating leverage, or strong returns on its investments.

 

I think YZJMD will be a bright star.
YZJFH hopefully can stay strong.

 

Holding both too. Let' s hope both are the star counters next year. Plant the seed first and reap the harvest the next!

HVRRVH      ( Date: 20-Nov-2025 11:30) Posted: Added but at higher price of $0.495 yesterday, as the price didn' t want to come back to $0.48. Post spin theoritical EPS is $0.0351 for FY2024, this is about 40% of the enlarged group' s EPS of $0.0866 before the spin off. By know what is clear is that YZJM growth leap and bounce and that' s the very reason for the spin off so I am not too excited on how much YZJF, on its own, can grow its EPS. Though if Shanshan deal go through, it will not bring immediate returns but I still think it was a missed opportunity. Look at Nam Cheong, continues with its same businesses of building ships but after restructuring, it became profitable and share price surged from $0.10 range to $0.90 now, all in slightly more than a year. Shanshan deal if go thru and restructure successfully would sure bring tremendous profit to YZJF as they are the world biggest lithum battery anode producer but it is all water under the bridge now. So a very conservative of projection would be that YZJF' s EPS go up by 10% to 25%, bringing stand alone FY25' s EPS to the range of $0.03861 to $0.04388. In term of dividend, shareholders would get about $0.0155 to $0.0176 per share based on 40% EPS payout. This, if come to fruition would be totally acceptable as it will yield between 3.1% to 3.5% based on current price. Cautiously optimistic as usual and would continue to stand by dry powder in case of wild market behaviours. Added YZJM too and would continue to do so slowly. HVRRVH      ( Date: 18-Nov-2025 17:24) Posted: NAV $0.54. Profitable company. Not debt. Holding high cash. Policy of 40% EPS payout as dividend. Hope to add a bit more if price stay in current levels $0.48 - $0.485 or get sell down to $0.475 and below.

 

YFH post spin off NAV is likely $0.505/share.

Based on YMD token shares placement announcement dated 31 Oct, latest YMD NAV attributed to shareholders (less MI) = USD1.627B or USD0.467/share = SGD0.605/share (exchg 1:0.7717 or 1.2958).

YFH latest NAV = 1.11 &ndash 0.605 = SGD0.505/share (Based on latest known NAV of YFH pre-spin off).

YFH is again teasing the 0.505 today after hitting its post spin off ATH 0.54 last week before YMD debut.

Mr Market seems to have signalled and ready and/or going to re-rate YFH well beyond its NAV going forward.

HVRRVH      ( Date: 18-Nov-2025 17:24) Posted: NAV $0.54. Profitable company. Not debt. Holding high cash. Policy of 40% EPS payout as dividend. Hope to add a bit more if price stay in current levels $0.48 - $0.485 or get sell down to $0.475 and below.

 

Today can close 520. And next week 60cents

HVRRVH      ( Date: 20-Nov-2025 11:30) Posted: Added but at higher price of $0.495 yesterday, as the price didn' t want to come back to $0.48. Post spin theoritical EPS is $0.0351 for FY2024, this is about 40% of the enlarged group' s EPS of $0.0866 before the spin off. By know what is clear is that YZJM growth leap and bounce and that' s the very reason for the spin off so I am not too excited on how much YZJF, on its own, can grow its EPS. Though if Shanshan deal go through, it will not bring immediate returns but I still think it was a missed opportunity. Look at Nam Cheong, continues with its same businesses of building ships but after restructuring, it became profitable and share price surged from $0.10 range to $0.90 now, all in slightly more than a year. Shanshan deal if go thru and restructure successfully would sure bring tremendous profit to YZJF as they are the world biggest lithum battery anode producer but it is all water under the bridge now. So a very conservative of projection would be that YZJF' s EPS go up by 10% to 25%, bringing stand alone FY25' s EPS to the range of $0.03861 to $0.04388. In term of dividend, shareholders would get about $0.0155 to $0.0176 per share based on 40% EPS payout. This, if come to fruition would be totally acceptable as it will yield between 3.1% to 3.5% based on current price. Cautiously optimistic as usual and would continue to stand by dry powder in case of wild market behaviours. Added YZJM too and would continue to do so slowly. HVRRVH      ( Date: 18-Nov-2025 17:24) Posted: NAV $0.54. Profitable company. Not debt. Holding high cash. Policy of 40% EPS payout as dividend. Hope to add a bit more if price stay in current levels $0.48 - $0.485 or get sell down to $0.475 and below.