YZJ Fin Hldg Last:0.225 -

YZJFH - potentially rewarding

Equilibrium is just a term for market to find its level or support ... it has always been the case.
too early SBB interfere with the market and will deem " bad" .
now it probably the right time to do so ... time too buy in

Chansenghoe1971 ( Date: 09-Mar-2026 11:41) Posted:

No such thing as equilibrium cos market is imperfect
SBB is crucial and the support may be due to SBB
However the massive cash in hand is a weapon in this market
Can buy may blue chip cheap cheap

Tob231 ( Date: 09-Mar-2026 11:21) Posted:

market has found it equilibrium and the next is too shore up the confidence and ride on the next wave

Great. This will stop the price from dropping

Nothing new disclosed in the analyst briefing. In fact there is a small contradictory point, i.e., I quote: ' To support ongoing shareholder returns, YZJ Financial intends to always keep 20% of its portfolio in cash specifically earmarked for dividend payouts and potential share buyback.' . Talking about keeping 20% cash for dividend and SBB but so far, none has happen and confirmed dividend won' t happen already for FY25. Nevertheless, long term investors who has been with YZJF since day 1 can take heart that we are now investing in 2 high cash no debts comapnies i.e. YZJF and YZJM. Just take FY25 as a reset year for YZJF after first spin off from YZJS then again spinning off YZJM plus they seems very serious to cut off the burdensome DI! Gong forward, $184m invested in equities with yield of at least 4.5% would alone bring in EPS of about $0.0023 [$184000000*0.045/3480420520] and $184m is about 29% of its cash hoard. Even consider the stance of keeping 20% cash/cash equivalent [should generate 2 to 3% too], the company still has $326m for investment. This $326m should generate at least 10% ROI hopefully. So the company should generate slightly about $0.01 EPS with its $638m cash without considering DI which stand at $843m should still bring in another 2 cents at least. All in all, I think first share price target of $0.5 is achievable within 18 to 24 months.

YZJ FINANCIAL Has Zero Debt and $640 M Cash Hoard. Stock Has Fallen To 55% NTA

https://www.nextinsight.net/story-archive-mainmenu-60/949-2026/16609-yzj-financial-has-zero-debt-and-640-m-cash-hoard-stock-has-fallen-to-55-nta

don' t do share buy back now. there is no real seller. mostly shorts left to right to left
let the, puh down to low low then do share buy back to harvest the shorts. when they go too far.
just buy back buy and buy. slowly 1cents every day then will scare them to hell. now do share buy' back is to allow them to short further. real long term share holders will not sell at this price.

No such thing as equilibrium cos market is imperfect
SBB is crucial and the support may be due to SBB
However the massive cash in hand is a weapon in this market
Can buy may blue chip cheap cheap

Tob231 ( Date: 09-Mar-2026 11:21) Posted:

market has found it equilibrium and the next is too shore up the confidence and ride on the next wave

Take cover immediately now

Take cover immediately

Waiting to avg down
Sub 0.2 is possible

cash is becoming more value as equities fall due to isreal/us attack on iran.
just eye good stock and move cash in in small batches. the war cannot last forever.
just like two body fight. it will end of one party ko or when both sides run out of strength.
both sides expanding their strength quickly so i expect the end is near. i guess before trump viist china.

it is about time, the management is starting the SBB ... to shore up the confidence
hooray ...

Choice as made by the management.

Peace and dyodd 😅

Winnertakeall ( Date: 07-Mar-2026 11:07) Posted:

📊 Yangzijiang Financial Outlook for 2026

1️ ⃣ 2025 loss resets expectations

In FY2025, the company reported a net loss of about S$5.2M, reversing from S$304.6M profit in 2024.

The main reason:

~S$290 ~304M credit loss provisions
Mainly linked to China real estate and debt investments.

This means management wrote down risky loans and investments to clean up the balance sheet.

👉 In simple terms:

2025 was a reset year for the company.

2️ ⃣ Portfolio restructuring strategy (2026 focus)

Management plans to restructure the investment portfolio.

Target allocation going forward:

40% debt investments (income-generating loans/bonds)
40% equity investments (private equity + listed stocks)
20% cash for liquidity.

In 1H2026, the company plans to deploy up to RMB 1B (~S$184M) into high-yield listed equities (> 4.5%) and other investments.

👉 Goal: build a more diversified earnings base.

3️ ⃣ Balance sheet remains strong

Despite the loss:

The company has no external borrowings.
Cash levels increased significantly after portfolio adjustments.

Also:

Operating profit before provisions was still positive (~S$92M).

👉 This suggests the core business still generates income.

4️ ⃣ Post spin-off strategy

The company spun off its maritime investment arm into Yangzijiang Maritime Development, shifting about S$2B of assets to the new entity.

After the spin-off:

Yangzijiang Financial now focuses purely on financial investments and asset management.

Assets under management now around S$1.7B.

spread of investment between debt, equities, cash, precious metal.
yzjfh uses 40 debt, 40 equities, 20 cash no precious metal.

the beauty about this money is it will grow in 3 ways.
1. all will produce cash earnings over time.
2. market will constantly risk on/off and hence switch between debt, euquities.
the model needs to review the percentage of each over time. selling the part that has expanded beyond the percentage allocated due to market actions. so like euqities go up 15%. then sell some to allocate money to cash and debt to rebalance back to 40:40:20 ratio. in such rebalancing the wealth will grow with time.
3. rate of compounding growth.
so no just look at it as a 4.5% growth stock. it will be much more depending of how volatile market goes.

Valuation outlook for YZJ Financial
Despite weak sentiment:

NAV per share ~ S$0.50
Share price around ~S$0.28 ~ 0.31 (recent trading range).

👉 That means the stock trades below book value (P/B < 1).
Investors see it as a deep value stock, but with risk.

📈 Overall 2026 outlook
Bullish case :

Balance sheet cleaned up
New investment strategy
Potential recovery in China markets
Trading below NAV

📊 Yangzijiang Financial Outlook for 2026

1️ ⃣ 2025 loss resets expectations

In FY2025, the company reported a net loss of about S$5.2M, reversing from S$304.6M profit in 2024.

The main reason:

~S$290 ~304M credit loss provisions
Mainly linked to China real estate and debt investments.

This means management wrote down risky loans and investments to clean up the balance sheet.

👉 In simple terms:

2025 was a reset year for the company.

2️ ⃣ Portfolio restructuring strategy (2026 focus)

Management plans to restructure the investment portfolio.

Target allocation going forward:

40% debt investments (income-generating loans/bonds)
40% equity investments (private equity + listed stocks)
20% cash for liquidity.

In 1H2026, the company plans to deploy up to RMB 1B (~S$184M) into high-yield listed equities (> 4.5%) and other investments.

👉 Goal: build a more diversified earnings base.

3️ ⃣ Balance sheet remains strong

Despite the loss:

The company has no external borrowings.
Cash levels increased significantly after portfolio adjustments.

Also:

Operating profit before provisions was still positive (~S$92M).

👉 This suggests the core business still generates income.

4️ ⃣ Post spin-off strategy

The company spun off its maritime investment arm into Yangzijiang Maritime Development, shifting about S$2B of assets to the new entity.

After the spin-off:

Yangzijiang Financial now focuses purely on financial investments and asset management.

Assets under management now around S$1.7B.

As opposed to what? Whats wrong with a bit of speculation to stay on right side of the "washers" as you say?

rayokc ( Date: 06-Mar-2026 16:50) Posted:

Seriously, all 3 YZJ shares are very highly speculated and high risks. It' s a washing machine. Better don' t touch.

Good move

kt3152 ( Date: 06-Mar-2026 11:38) Posted:

Yes added some to higher price bought earlier on....

Goodwill77 ( Date: 06-Mar-2026 11:24) Posted: