Should I buy YZJ Financial Holdings stock in 2025?

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At HelloSafe, our expert has been monitoring the performance of YZJ Financial Holdings for more than three years. Every month, tens of thousands of users in Singapore rely on us to break down market trends and help 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?

How much is YZJ Financial Holdings stock?

The price of YZJ Financial Holdings stock is declining this week. As of now, the share trades at SGD 0.70, reflecting a 24-hour decrease of 0.71% and a 2.10% drop over the past week.

YZJ Financial Holdings holds a market capitalization of SGD 2.44 billion, with an average daily trading volume of around 37 million shares over the last three months.

A beta of 0.46 indicates relatively low volatility. Investors in Singapore may find its moderate risk profile and consistent dividends attractive amid fluctuating market conditions.

Our full analysis on YZJ Financial Holdings stock

We have thoroughly reviewed Yangzijiang Financial Holdings’s most recent financial performance, alongside its stock trajectory over the past three years, drawing on a data-driven blend of financial metrics, technical signals, market sentiment, and peer benchmarking using proprietary algorithms. This multifaceted approach reveals a company demonstrating robust profitability inflections and dynamic sector repositioning, underscored by strong trading momentum and favourable structural trends. So, why might YZJ Financial Holdings stock once again become a strategic entry point into Asia’s dynamic diversified financials sector in 2025?

Recent Performance and Market Context

Over the past year, Yangzijiang Financial Holdings (SGX: YF8) has delivered a stellar performance, with its share price more than doubling—posting an eye-catching 118.75% year-on-year gain to reach SGD 0.70 as of May 10, 2025. This remarkable ascent comes on the back of a powerful six-month rally (+75%), demonstrating the market’s growing confidence in the group’s renewed growth trajectory and reinforced by consistently high trading volumes, with a robust three-month average of 37 million shares exchanged daily.

Several positive events punctuate this uptrend. Most notably, the company posted a record FY2024 net profit of SGD 310 million—a 392% surge versus the previous year—substantially beating analyst forecasts (SGD 310 million actual profit vs. SGD 173 million consensus). Dividend momentum has accelerated, with a final distribution of 3.45 Singapore cents per share for FY24 (up from 2.25 cents FY23), translating to an attractive, sustainable 4.89% yield under Singapore’s tax-exempt regime.

The macroeconomic and sector backdrop further strengthens the bull case. YZJFH’s increased focus on maritime investments aligns with Asia’s expanding trade and logistics corridors, while its systematic reduction of China debt exposure is prudent amid ongoing credit sector volatility. With a growing emphasis on asset resilience, and as the wider regional financial sector regains positive sentiment, YZJFH stands powerfully poised to benefit from capital rotation and macro tailwinds reshaping Singapore’s diversified financial ecosystem.

Technical Analysis

The technical profile for YZJ Financial Holdings is distinctly constructive, implying continued upside potential. The current Relative Strength Index (RSI 14) reads 57.52—neutral yet trending toward overbought, reflecting persistent demand without immediate signs of exhaustion. The MACD remains on a bullish cross (0.01), and all major moving averages (20, 50, 100, 200-day EMA) are flashing buy signals, underscoring broad trend alignment across short- and long-term horizons:

Support levels are tightly clustered at SGD 0.69, 0.68, and 0.67, providing a strong technical floor, while resistance is capped at 0.74—suggesting room for rally continuation should momentum persist. Importantly, the broader technical consensus is overwhelmingly positive: 14 bullish signals, outpacing 4 neutral and 4 bearish indicators. In summary, the technical underpinnings seem to justify renewed interest at current levels, positioning the stock for possible new highs if key resistance thresholds are breached.

Fundamental Analysis

From a fundamental perspective, YZJFH stands out for its disciplined capital allocation, impressive profitability gains, and compelling value metrics. The company’s net profit of SGD 310 million in FY2024 represents not merely headline growth, but a structural transformation in earnings power, fueled by a deliberate pivot toward higher-yielding maritime investments and away from legacy Chinese debt positions.

• Robust earnings momentum: EPS at SGD 0.09 reflects a well-capitalized, cash-generative profile, while EBITDA is buoyed by SGD 46 million in impairment reversals, signalling a substantial improvement in asset quality.
• Attractive valuation: At just 8.0x trailing P/E and a dividend yield of nearly 5%, YZJFH offers a rare mix of value and income—the PEG and P/S ratios also suggest the current market is yet to fully price in the group’s growth re-rating.
• Dividend escalation: Substantial dividend growth (FY24’s 3.45 cents vs. FY23’s 2.25 cents) positions YZJFH among the top-yielding plays in its segment, with payouts supported by strong free cash flow and prudent capital reserves.
• Strategic transformation: The decisive reduction of China debt exposure (now ~29% of AUM) and the ambitious US$900 million maritime allocation (with US$450 million already deployed) provide visibility on future cash generation and earnings stability.

Structurally, Yangzijiang’s strong brand—rooted in its origins from Yangzijiang Shipbuilding—confers unique market credibility, while its cross-border investment platform leverages Singapore’s status as a pan-Asian financial hub. The diversified asset base and agile portfolio strategy strike a forward-looking balance between growth and risk mitigation.

Volume and Liquidity

YZJFH’s consistently high trading volumes—averaging 37 million shares daily over the recent quarter—serve as a tangible indicator of deep market engagement and investor confidence. This liquidity not only reduces trading friction, but also ensures price discovery is robust and dynamic, fostering a two-way market receptive to both institutional and retail flows (with retail investors holding 47% of shares).

The float remains favourable for valuation uplift, with sufficient scarcity to support rapid re-rating if fresh catalysts materialize, yet ample liquidity to enable efficient portfolio allocation by larger funds. This balanced structure is especially advantageous for investors seeking to enter or scale positions in anticipation of key macro or company-specific developments.

Catalysts and Positive Outlook

Looking forward, YZJFH’s growth profile appears well supported by a cluster of imminent catalysts and secular trends:

• Accelerated maritime investment: The group’s target to boost maritime asset allocation to US$900 million (half already committed) sets the stage for expanding fee income, capital gains, and cross-border financing streams, directly leveraging Asia’s evolving trade and shipping landscape.
• Improvements in China real estate: As China’s property outlook stabilizes, YZJFH could see further asset revaluations and recoveries in previously impaired debt—providing additional profits and reinforcing the case for further dividend growth.
• Potential for new products and innovation: Ongoing portfolio diversification and the integration of novel capital market solutions could unlock fresh value pools, capitalizing on regulatory tailwinds and market demand for alternative assets.
• ESG and resilience: The company’s adaptive asset management—and ability to deliver on impairment reversals—strengthens its positioning for investors prioritizing sustainability and business resilience.

Moreover, analyst sentiment remains decisively bullish, with positive earnings momentum and a projected 4.31% annual growth rate signalling a durable fundamental upcycle. As the macro environment shifts in favour of asset managers with cross-border agility, YZJFH excels as one of Southeast Asia’s best-positioned diversified financial holdings.

Investment Strategies

Current dynamics suggest that YZJFH represents an appealing entry opportunity across short-, medium-, and long-term horizons:

• Short-term: Technical strength, sustained high volume, and supportive momentum indicate the potential for further upward moves, particularly if upcoming maritime investment milestones or positive China real estate data act as catalysts.
• Medium-term: Ongoing portfolio recalibration, earnings upgrades, and dividend enhancements provide a runway for continued appreciation, while the 8x P/E valuation remains modest compared to peers facing lower growth.
• Long-term: The company’s transition toward a maritime-focused investment platform, steered by disciplined capital management and supported by Singapore’s regulatory framework, fosters long-term value creation. Strong governance, leadership stability, and a progressive dividend policy further support capital return aspirations.

The stock’s current price near technical support, coupled with a larger-than-expected dividend and a robust pipeline of growth initiatives, signals ideal positioning for proactive investors seeking to establish or expand exposure ahead of anticipated bullish triggers.

Is it the Right Time to Buy YZJ Financial Holdings?

In summary, Yangzijiang Financial Holdings presents a compelling confluence of value, growth, and momentum—driven by record earnings, substantial dividend progression, and bold sector transformation. Key elements supporting renewed optimism include:

• Powerful re-rating in profitability and clear management execution
• Strong and escalating dividends with favourable tax treatment
• Strategic realignment towards high-growth, resilient maritime assets
• Attractive valuation entry at 8x P/E and close to technical support
• Robust volume and liquidity, indicating sustained institutional and retail interest
• Multiple growth and revaluation catalysts on the horizon

YZJFH thus seems to represent an excellent opportunity at the current juncture, with fundamentals and technicals both justifying renewed interest. Momentum may be entering a new bullish phase as the market recognises the durability of its earnings transformation and the progress of its strategic realignment.

For investors seeking quality exposure to Asia’s next-generation diversified financial players—anchored in Singapore, driven by innovation, and offering strong dividend income with capital growth potential—Yangzijiang Financial Holdings deserves to be at the top of the watchlist. The confluence of strong execution, structural sector tailwinds, and clear upside potential leaves little doubt: the opportunity before us is both timely and compelling.

How to buy YZJ Financial Holdings stock in Singapore?

Buying YZJ Financial Holdings stock online is straightforward and secure, especially when you use established, regulated brokers operating in Singapore. You generally have two main options: buying the shares outright (spot or cash buying) and trading Contracts for Difference (CFDs) that mirror YZJ Financial Holdings’ price movements. Each method has distinct features, fees, and risk profiles that can suit different investor objectives. To help you choose the most cost-effective platform, a broker fee and feature comparison table is available further down this page.

Spot Buying

When you purchase YZJ Financial Holdings shares using the cash (spot) method, you become a direct owner of the shares on the Singapore Exchange (SGX), enabling you to receive dividends and capital gains. Singaporean brokers typically charge a fixed commission per trade — often in the range of SGD 5 to SGD 25 per order, depending on the platform and trade size, with SGD 5 per trade being a common entry-level fee.

Example

If YZJ Financial Holdings’ share price is SGD 0.70, a SGD 1,000 investment (including a brokerage fee of approximately SGD 5) allows you to purchase around 1,421 shares (SGD 995 divided by SGD 0.70 per share).

• Gain scenario: If the share price rises by 10% to SGD 0.77, your shares are now worth about SGD 1,100.
• Result: +SGD 100 gross gain, i.e. +10% on your original investment.

Trading via CFD

CFDs (Contracts for Difference) allow you to speculate on the price movements of YZJ Financial Holdings shares without owning the underlying asset. CFD trading is available via regulated online brokers, letting you use leverage (borrowed funds) to amplify potential gains or losses. Instead of commissions, most platforms charge a spread (the difference between buy and sell prices), as well as overnight financing fees for positions held open beyond a day.

Example

With SGD 1,000 and 5x leverage, you can open a CFD position with exposure to SGD 5,000 worth of YZJ Financial Holdings shares.

• Gain scenario: If the share price rises by 8%, your position gains 8% × 5 = 40%, or SGD 400 gross profit (excluding possible spread and overnight fees).
• Result: +SGD 400 gain on a SGD 1,000 stake, demonstrating the power (and higher risk) of leverage.

Final Advice

It’s essential to carefully compare brokers’ fees, trading tools, and conditions before investing, as costs and services can differ widely. Whether you choose direct share ownership for long-term dividends or prefer the leveraged approach offered by CFDs depends entirely on your investment objectives and risk appetite. For a detailed comparison of leading brokers in Singapore, refer to the broker selection table further down this page. Make sure your chosen approach aligns with your financial goals and comfort with market risks.

Our 7 tips for buying YZJ Financial Holdings stock

The latest news about YZJ Financial Holdings

Yangzijiang Financial Holdings delivered outstanding FY2024 results with net profit up 392% year-on-year. This surge to SGD 310 million net profit significantly outperformed consensus estimates, which had targeted SGD 173 million, and was driven by strong operational performance and reversal of previous asset impairments. The company simultaneously announced a final dividend of 3.45 Singapore cents per share for FY24, a substantial increase from 2.25 cents in FY23, underlining its commitment to reward shareholders and reflecting robust cash flow and earnings growth. The next dividend, to be paid on May 15, 2025, is tax-exempt under Singapore’s one-tier system, making it especially attractive to local investors.

The stock maintains a strong technical stance, with key indicators and analyst consensus signaling further upside. Despite a minor weekly retracement of 2.1%, Yangzijiang Financial Holdings’ share price has risen by 75% over six months and 119% over the past year, outperforming the broader Singapore market. Technical analysis shows 14 bullish indicators, with buy signals triggered across all major moving averages and MACD, while RSI remains neutral and signals balance, not overbought territory. The current price of SGD 0.70 is above all short- and long-term averages, with resistance levels at SGD 0.72-0.74 in sight. The consensus “Buy” rating from analysts and price momentum have supported continued investor interest and elevated trading volumes on the SGX.

Strategic pivot towards maritime investments in Singapore and the region positions the company for future growth. Yangzijiang Financial Holdings has committed up to US$900 million to the maritime sector over the next three to five years—with half already deployed—capitalizing on Singapore’s status as a global maritime hub. By reducing its debt portfolio exposure in China to just 29% of AUM and focusing on maritime asset expansion, the company is mitigating sector-specific risks and tapping into resilient, higher-growth segments central to Singapore's economy and trade ecosystem. This realignment enhances the group’s long-term value proposition and aligns with regional economic priorities.

The company’s improved asset quality and strong risk management reinforce its financial resilience. Notably, impairment reversals of SGD 46 million in 2H24 underscore successful asset management efforts, while a solid balance sheet, P/E ratio of 8.0x, and low beta of 0.46 highlight both value and stability. Proactive reduction of exposure to China’s debt market and ongoing portfolio diversification further buffer the company against global macroeconomic uncertainties, with its cross-border expertise being a key driver of sustainable returns.

Shareholder structure and local market engagement foster confidence among Singapore-based investors. Yangzijiang Financial Holdings, headquartered in Singapore, is characterized by a balance between retail and institutional ownership (with retail investors holding 47%), ensuring active market participation and liquidity on the SGX. Tax-exempt dividend distributions, combined with a nearly 5% dividend yield, strengthen the appeal to local investors seeking steady income. Moreover, Singapore’s supportive regulatory regime and the company’s adherence to transparency and governance standards further contribute to a constructive environment for both long-term holders and prospective entrants.

FAQ

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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.