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ONECONNECT FINANCIAL TECHNO (OCFT) Stock Fundamental Analysis

USA - NYSE:OCFT - US68248T2042 - ADR

7.28 USD
0 (0%)
Last: 9/22/2025, 8:52:54 PM
7.28 USD
0 (0%)
After Hours: 9/22/2025, 8:52:54 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to OCFT. OCFT was compared to 279 industry peers in the Software industry. While OCFT seems to be doing ok healthwise, there are quite some concerns on its profitability. OCFT has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

OCFT had negative earnings in the past year.
In the past year OCFT has reported a negative cash flow from operations.
In the past 5 years OCFT always reported negative net income.
OCFT had a negative operating cash flow in each of the past 5 years.
OCFT Yearly Net Income VS EBIT VS OCF VS FCFOCFT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 -500M -1B -1.5B -2B

1.2 Ratios

OCFT's Return On Assets of -10.63% is on the low side compared to the rest of the industry. OCFT is outperformed by 63.08% of its industry peers.
With a Return On Equity value of -15.68%, OCFT perfoms like the industry average, outperforming 44.09% of the companies in the same industry.
Industry RankSector Rank
ROA -10.63%
ROE -15.68%
ROIC N/A
ROA(3y)-8.63%
ROA(5y)-10.41%
ROE(3y)-18.89%
ROE(5y)-23.3%
ROIC(3y)N/A
ROIC(5y)N/A
OCFT Yearly ROA, ROE, ROICOCFT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 0 500 1K 1.5K

1.3 Margins

Looking at the Gross Margin, with a value of 33.66%, OCFT is doing worse than 78.14% of the companies in the same industry.
In the last couple of years the Gross Margin of OCFT has grown nicely.
OCFT does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 33.66%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.97%
GM growth 5Y1.67%
OCFT Yearly Profit, Operating, Gross MarginsOCFT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 0 -50 -100 -150

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5

2. Health

2.1 Basic Checks

OCFT does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, OCFT has about the same amount of shares outstanding.
The number of shares outstanding for OCFT has been increased compared to 5 years ago.
The debt/assets ratio for OCFT has been reduced compared to a year ago.
OCFT Yearly Shares OutstandingOCFT Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
OCFT Yearly Total Debt VS Total AssetsOCFT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

An Altman-Z score of 2.85 indicates that OCFT is not a great score, but indicates only limited risk for bankruptcy at the moment.
OCFT has a Altman-Z score of 2.85. This is comparable to the rest of the industry: OCFT outperforms 56.27% of its industry peers.
A Debt/Equity ratio of 0.01 indicates that OCFT is not too dependend on debt financing.
OCFT has a better Debt to Equity ratio (0.01) than 65.23% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Altman-Z 2.85
ROIC/WACCN/A
WACC9.83%
OCFT Yearly LT Debt VS Equity VS FCFOCFT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B

2.3 Liquidity

OCFT has a Current Ratio of 2.56. This indicates that OCFT is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of OCFT (2.56) is better than 71.68% of its industry peers.
A Quick Ratio of 2.56 indicates that OCFT has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 2.56, OCFT is in the better half of the industry, outperforming 72.40% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.56
Quick Ratio 2.56
OCFT Yearly Current Assets VS Current LiabilitesOCFT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

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1

3. Growth

3.1 Past

The earnings per share for OCFT have decreased strongly by -10.52% in the last year.
OCFT shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -45.38%.
The Revenue has been decreasing by -0.69% on average over the past years.
EPS 1Y (TTM)-10.52%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%29.03%
Revenue 1Y (TTM)-45.38%
Revenue growth 3Y-18.37%
Revenue growth 5Y-0.69%
Sales Q2Q%-50.26%

3.2 Future

OCFT is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.42% yearly.
The Revenue is expected to decrease by -11.05% on average over the next years. This is quite bad
EPS Next Y-187.69%
EPS Next 2Y9.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-25.62%
Revenue Next 2Y-11.05%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
OCFT Yearly Revenue VS EstimatesOCFT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1B 2B 3B 4B
OCFT Yearly EPS VS EstimatesOCFT Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 0 -10 -20 -30 -40

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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for OCFT. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 29.67, OCFT can be considered very expensive at the moment.
62.01% of the companies in the same industry are more expensive than OCFT, based on the Price/Forward Earnings ratio.
OCFT's Price/Forward Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 22.87.
Industry RankSector Rank
PE N/A
Fwd PE 29.67
OCFT Price Earnings VS Forward Price EarningsOCFT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30 40 50

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
OCFT Per share dataOCFT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y9.42%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for OCFT!.
Industry RankSector Rank
Dividend Yield N/A

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ONECONNECT FINANCIAL TECHNO

NYSE:OCFT (9/22/2025, 8:52:54 PM)

After market: 7.28 0 (0%)

7.28

0 (0%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)08-11 2025-08-11
Earnings (Next)11-10 2025-11-10
Inst Owners3.95%
Inst Owner Change27.72%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap283.92M
Analysts85.71
Price Target3.09 (-57.55%)
Short Float %14.62%
Short Ratio4.77
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 29.67
P/S 1.07
P/FCF N/A
P/OCF N/A
P/B 0.8
P/tB 0.87
EV/EBITDA N/A
EPS(TTM)-1.43
EYN/A
EPS(NY)0.25
Fwd EY3.37%
FCF(TTM)-1.27
FCFYN/A
OCF(TTM)-1.27
OCFYN/A
SpS6.82
BVpS9.06
TBVpS8.37
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -10.63%
ROE -15.68%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 33.66%
FCFM N/A
ROA(3y)-8.63%
ROA(5y)-10.41%
ROE(3y)-18.89%
ROE(5y)-23.3%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.97%
GM growth 5Y1.67%
F-Score4
Asset Turnover0.51
Health
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.56
Quick Ratio 2.56
Altman-Z 2.85
F-Score4
WACC9.83%
ROIC/WACCN/A
Cap/Depr(3y)22.8%
Cap/Depr(5y)32.11%
Cap/Sales(3y)1.27%
Cap/Sales(5y)2.98%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-10.52%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%29.03%
EPS Next Y-187.69%
EPS Next 2Y9.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-45.38%
Revenue growth 3Y-18.37%
Revenue growth 5Y-0.69%
Sales Q2Q%-50.26%
Revenue Next Year-25.62%
Revenue Next 2Y-11.05%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-7.21%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year146.05%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-46.18%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-46.18%
OCF growth 3YN/A
OCF growth 5YN/A