Should I buy YZJ Financial Holdings stock in 2025?

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At HelloSafe, our expert has been tracking the performance of YZJ Financial Holdings for over three years. Every month, hundreds of thousands of users in Singapore trust us to decipher market trends and identify the best investment opportunities. Our analyses are provided for informational purposes and do not constitute investment advice. In accordance with our ethical charter, we have never been, and will never be, compensated by YZJ Financial Holdings.

What is YZJ Financial Holdings?

YZJ Financial Holdings stock price

The price of YZJ Financial Holdings stock is rising this week. The current stock price is SGD 0.88, showing a 1.68% decrease in the past 24 hours but an impressive 18.92% increase over the last week. The company's market capitalisation stands at SGD 3.06 billion, with a three-month average trading volume of 14.2 million shares. YZJ Financial Holdings currently trades at a P/E ratio of 9.78, offers a dividend yield of 4.66%, and has a low beta of 0.45, suggesting less volatility than the broader market. This combination of attractive valuation and stable returns positions the stock as a noteworthy choice for investors in Singapore.

Our Full Analysis of the YZJ Financial Holdings Stock

After reviewing YZJ Financial Holdings's latest financial results and tracking its performance over the past three years, we have leveraged a blend of qualitative and quantitative analysis to form a data-driven view. Our proprietary algorithms factor in financial indicators, technical signals, real-time market data, and competitive intelligence. So, why might YZJ Financial Holdings stock once again become a strategic entry point into the Asian financial services sector in 2025?

Recent performance and market context

YZJ Financial Holdings (SGX: YF8) has demonstrated an exceptional performance in 2025, continuing its robust momentum from previous years. While the stock experienced a minor dip of 1.68% in the last 24 hours, it has notched an impressive 18.92% gain this week, 112.05% over the past six months, and a remarkable 155.07% increase year-on-year. These gains firmly position YZJ Financial Holdings as one of the most dynamic names on the Singapore Exchange. The company’s market capitalisation now stands at SGD 3.06 billion, underpinned by a three-month average daily trading volume of 14.2 million shares—clear evidence of high liquidity and strong investor interest.

Key positive catalysts have included the announced spin-off of the maritime investment arm, which unlocks value and sharpens the group’s strategic focus. YZJ Financial Holdings maintains resilience against macroeconomic volatility. The Singapore financial sector is benefiting from sustained economic growth, robust regulatory frameworks, and Asia’s intensifying demand for asset management and diversified financial services, providing fertile ground for upward momentum.

Technical analysis

From a technical standpoint, the stock’s recent price action reveals a bullish structure, even after a rapid rally. Most notably, the stock trades well above its 20-day (SGD 0.75), 50-day (SGD 0.72), 100-day (SGD 0.67), and 200-day (SGD 0.53) moving averages, all of which now serve as strong support levels signalling sustained buying interest.

Technical momentum remains robust, despite a temporary overbought condition (RSI: 90.59), which suggests further upside following a healthy consolidation. The MACD indicator stands at 0.03—close to neutral—but overall momentum remains upward, confirmed by 15 bullish technical signals versus 5 bearish. Strong support levels have crystallised at SGD 0.75, 0.77, and 0.81, while resistance sits at SGD 0.86, 0.88, and 0.92; a clear break above could trigger another leg up.

Short and medium-term technical indicators favour continued accumulation, especially for investors targeting momentum plays or technical reversals after brief consolidations.

Fundamental analysis

Underpinning YZJ Financial Holdings’ technical outperformance are fundamentals that justify sustained investor optimism. The group’s 2024 results set records: revenue reached SGD 326.23 million, EBITDA climbed to SGD 287.85 million, and net profit soared to SGD 304.63 million—a stellar 392% surge versus the prior year. Earnings per share rose to SGD 0.09, outperforming analyst expectations by a wide margin.

The company’s valuation remains particularly attractive with a P/E ratio of 9.78, providing a rare blend of growth and value in the context of the Singapore financial sector. The dividend yield is a robust 4.66%, rewarding long-term holders with compelling cash returns. YZJ Financial Holdings’ structural strengths stem from its pivot to maritime asset investment, leveraging Singapore’s global position as a maritime hub and reinforcing its core as a leading asset manager in Asia. The brand’s legacy, inherited from Yangzijiang Shipbuilding, enhances credibility and trust with institutional clients.

Ongoing strategic expansion—most recently a USD 900 million, multi-year capital commitment to maritime ventures—positions the firm for further scale and margin improvement. The group’s active management of legacy risks and focus on high-quality assets bolster the risk/reward profile.

Volume and liquidity

Trading volume has remained elevated, averaging 14.2 million shares daily. This liquidity provides efficient entry and exit points for both institutional and retail investors, reflecting strong market depth. A free float of 3.48 billion shares, with nearly half held by retail participants, creates a dynamic valuation environment and suggests a healthy balance between long-term investors and active traders. Such persistent volume is a hallmark of market confidence, validating price movements and making the stock an attractive proposition for new capital.

Catalysts and positive outlook

• The upcoming spin-off and separate listing of YZJ Maritime Development promises to unlock considerable shareholder value and streamline the parent company’s focus.
• The group is steadily reducing its exposure to China’s debt market—now at only 29% of assets—limiting potential regional downside.
• Asset quality is improving, as evidenced by SGD 46 million in provision recoveries.
• Continuous expansion into maritime investments aligns with macro trends: rising trade flows, growing demand for maritime financial services, and regulatory support from Singapore’s government.
• Innovations such as cross-border investment platforms enhance fee income and secure a leadership position in Asian asset management.
• The company’s fiscal structure remains highly favourable, with tax-exempt dividends for residents, boosting its appeal to income-focused investors.

These factors, combined with a consistently upbeat analyst consensus and a technical “buy” signal, paint an optimistic outlook for sustained capital appreciation and attractive dividend returns.

Investment strategies

• Short-term opportunities: Following its recent strong run, the stock is consolidating near major support at SGD 0.81–0.86. Momentum-based traders could capitalise on a rebound from these levels, especially if bullish volume persists.
• Medium-term positioning: With corporate catalysts such as the maritime spin-off and continued sector tailwinds, mid-term investors can aim to benefit from further rerating as the group’s growth story unfolds.
• Long-term value: The combination of undervalued earnings (P/E below sector averages), robust dividend yield, and ongoing expansion in Asia’s burgeoning asset management industry could see YZJ Financial Holdings secure market leadership in the coming years. Holding through cycles may unlock progressive dividend potential and long-term capital gains.

Each strategy benefits from the stock’s high liquidity, disciplined risk management, and the backdrop of a well-regulated, growth-oriented Singapore market.

Is it the right time to buy YZJ Financial Holdings?

Reviewing the sum of its technical strength, outstanding recent financial performance, strategic transformation, and clear positive catalysts, YZJ Financial Holdings seems to represent an excellent opportunity for investors in Singapore’s dynamic financial sector. The group’s fundamentals justify renewed interest at current valuation levels, while the pending spin-off and improved risk profile create strong conditions for future outperformance. With technical indicators supporting accumulation and a robust liquidity profile, the stock may be entering a new bullish phase that rewards timely, informed entry.

The confluence of historical growth, ongoing innovation, and visible catalysts invites all types of investors to seriously consider YZJ Financial Holdings as a core holding within a well-diversified portfolio. As the organisation leverages its structural strengths to capture emerging Asian financial trends, investors may find themselves ideally positioned for the next cycle of sector outperformance—and the opportunity to participate in one of the region’s most compelling success stories.

How to buy YZJ Financial Holdings stock in Singapore?

Buying YZJ Financial Holdings stock online is simple and secure using a regulated broker in Singapore. Investors can choose between spot buying for direct ownership or trading via CFDs (Contracts for Difference) to speculate on price movements with leverage. Spot buying lets you become a shareholder, while CFDs offer flexibility for short-term strategies. You will find a broker comparison further down this page to help you choose the right platform.

Spot buying

A cash purchase of YZJ Financial Holdings stock means you directly own a number of shares listed on the Singapore Exchange (SGX). You pay the full price per share plus a small brokerage commission, which is usually a fixed amount per order (often about SGD 5 to SGD 15 at major Singapore brokers).

YZJ Financial Holdings: Gain Scenario

If the YZJ Financial Holdings share price is SGD 0.88, you can buy around 1,130 shares with a SGD 1,000 stake, including a brokerage fee of around SGD 5.

Gain scenario:

If the share price rises by 10%, your shares are now worth SGD 1,100.

Result: +SGD 100 gross gain, i.e. +10% on your investment.

Trading via CFD

CFD trading on YZJ Financial Holdings allows you to speculate on price changes using leverage, without directly owning the underlying shares. The main fees are the spread (difference between buy and sell price) and overnight financing costs if you hold positions open for more than a day. Leveraged trading amplifies both gains and losses, so risk management is important.

Gain scenario: CFD on YZJ Financial Holdings

You open a CFD position on YZJ Financial Holdings shares, with 5x leverage.

This gives you a market exposure of SGD 5,000.

If the stock rises by 8%, your position gains 8% × 5 = 40%.

Result: +SGD 400 gain, on a bet of SGD 1,000 (excluding fees).

Final advice

Always compare brokers’ fees, regulations, and platform features before investing. The best option depends on your objectives: direct investment suits long-term investors, while CFD trading may interest those seeking short-term opportunities or leverage. You can find a full broker comparison further down the page.

Our 7 tips for buying YZJ Financial Holdings stock

The latest news about YZJ Financial Holdings

YZJ Financial Holdings surges 18.92% in the past week on strong investor demand and positive momentum. This exceptional price performance outpaces the broader Singapore market, driven by active volumes averaging 14.2 million shares daily. Market participants are responding to the company’s strategic developments and robust earnings, highlighting renewed confidence among both retail and institutional investors in Singapore.

The company reported annual net profit growth of 392% for 2024, massively exceeding analyst expectations. Net profit reached SGD 304.63 million, compared to a consensus forecast of SGD 173 million. This outperformance was supported by recovery of asset provisions and effective portfolio management, further strengthening its financial foundation and contributing to bullish market sentiment.

YZJ Financial Holdings advanced its maritime sector transformation with the establishment of YZJ Maritime Development as a wholly owned subsidiary. This move is part of a plan to spin off maritime assets for separate listing on the Singapore Exchange. Around USD 450 million of a planned USD 900 million maritime investment budget has already been deployed, underscoring the company’s commitment to capturing Asia’s maritime growth from its Singapore base.

Technical analysis reveals a consensus "Buy" signal, with 15 bullish indicators outweighing only 5 bearish signals. Despite a current 14-day RSI of 90.59 suggesting short-term overbought conditions, moving averages across 20 to 200 days remain strongly positive, supporting a sustained uptrend. This technical setup aligns with sentiment from local analysts who have set price targets as high as SGD 1.14.

Dividend returns remain attractive in a tax-efficient structure for Singapore investors, currently yielding 4.66%. Dividends paid by YZJ Financial Holdings are exempt from local withholding tax, making the stock particularly appealing for income-focused portfolios in Singapore and adding to its overall attractiveness in the current low-yield environment.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.