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ONECONNECT FINANCIAL TECHNO (OCFT) Stock Fundamental Analysis

NYSE:OCFT - New York Stock Exchange, Inc. - US68248T2042 - ADR - Currency: USD

7.25  +0.13 (+1.83%)

After market: 7.2 -0.05 (-0.69%)

Fundamental Rating

2

OCFT gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 284 industry peers in the Software industry. OCFT scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. OCFT is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year OCFT has reported negative net income.
In the past year OCFT has reported a negative cash flow from operations.
OCFT had negative earnings in each of the past 5 years.
In the past 5 years OCFT always reported negative operating cash flow.
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

The Return On Assets of OCFT (-10.63%) is comparable to the rest of the industry.
OCFT's Return On Equity of -15.68% is in line compared to the rest of the industry. OCFT outperforms 47.54% of its industry peers.
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 77.46% of the companies in the same industry.
OCFT's Gross Margin has improved in the last couple of years.
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.
OCFT has about the same amout of shares outstanding than it did 1 year ago.
OCFT has more shares outstanding than it did 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

OCFT has an Altman-Z score of 2.84. This is not the best score and indicates that OCFT is in the grey zone with still only limited risk for bankruptcy at the moment.
OCFT has a Altman-Z score (2.84) which is in line with its industry peers.
OCFT has a Debt/Equity ratio of 0.01. This is a healthy value indicating a solid balance between debt and equity.
OCFT has a better Debt to Equity ratio (0.01) than 64.79% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Altman-Z 2.84
ROIC/WACCN/A
WACC7.06%
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.
With a decent Current ratio value of 2.56, OCFT is doing good in the industry, outperforming 70.77% of the companies in the same industry.
OCFT has a Quick Ratio of 2.56. This indicates that OCFT is financially healthy and has no problem in meeting its short term obligations.
OCFT's Quick ratio of 2.56 is fine compared to the rest of the industry. OCFT outperforms 71.13% of its industry peers.
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

OCFT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -10.52%.
Looking at the last year, OCFT shows a very negative growth in Revenue. The Revenue has decreased by -45.38% in the last year.
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

The Earnings Per Share is expected to grow by 9.42% on average over the next years. This is quite good.
Based on estimates for the next years, OCFT will show a very negative growth in Revenue. The Revenue will decrease by -11.05% on average per year.
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

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

OCFT reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
The Price/Forward Earnings ratio is 29.84, which means the current valuation is very expensive for OCFT.
Compared to the rest of the industry, the Price/Forward Earnings ratio of OCFT indicates a somewhat cheap valuation: OCFT is cheaper than 62.68% of the companies listed in the same industry.
OCFT is valuated rather expensively when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 29.84
OCFT Price Earnings VS Forward Price EarningsOCFT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 40 60

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 (6/20/2025, 8:04:00 PM)

After market: 7.2 -0.05 (-0.69%)

7.25

+0.13 (+1.83%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)05-28 2025-05-28/bmo
Earnings (Next)08-11 2025-08-11
Inst Owners4.04%
Inst Owner Change28.6%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap282.75M
Analysts85.71
Price Target3.09 (-57.38%)
Short Float %4.98%
Short Ratio1.02
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)33.77%
PT rev (3m)33.77%
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 29.84
P/S 1.07
P/FCF N/A
P/OCF N/A
P/B 0.81
P/tB 0.87
EV/EBITDA N/A
EPS(TTM)-1.42
EYN/A
EPS(NY)0.24
Fwd EY3.35%
FCF(TTM)-1.25
FCFYN/A
OCF(TTM)-1.25
OCFYN/A
SpS6.75
BVpS8.97
TBVpS8.29
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 2.84
F-Score4
WACC7.06%
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