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Upturn AI SWOT - About
Oneconnect Financial Technology Co (OCFT)
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Upturn Advisory Summary
04/01/2025: OCFT (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 17.57% | Avg. Invested days 37 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 114.35M USD | Price to earnings Ratio - | 1Y Target Price 2.26 |
Price to earnings Ratio - | 1Y Target Price 2.26 | ||
Volume (30-day avg) 190727 | Beta 1.84 | 52 Weeks Range 0.87 - 6.90 | Updated Date 03/30/2025 |
52 Weeks Range 0.87 - 6.90 | Updated Date 03/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.18 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -1.02% | Operating Margin (TTM) -6.72% |
Management Effectiveness
Return on Assets (TTM) -3.38% | Return on Equity (TTM) -10.58% |
Valuation
Trailing PE - | Forward PE 81.3 | Enterprise Value -70625820 | Price to Sales(TTM) 0.12 |
Enterprise Value -70625820 | Price to Sales(TTM) 0.12 | ||
Enterprise Value to Revenue 0.01 | Enterprise Value to EBITDA 0.17 | Shares Outstanding 38999400 | Shares Floating 312946425 |
Shares Outstanding 38999400 | Shares Floating 312946425 | ||
Percent Insiders 1.94 | Percent Institutions 3.64 |
Analyst Ratings
Rating 5 | Target Price 2.26 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Oneconnect Financial Technology Co
Company Overview
History and Background
Oneconnect Financial Technology Co., Ltd. was founded in 2015 as part of Ping An Insurance Group. It focuses on providing technology solutions to financial institutions. Initially serving Ping An's internal needs, it expanded to offer its services to other financial institutions in China and Southeast Asia.
Core Business Areas
- Technology Solutions Platform: Offers cloud-native technology solutions to financial institutions, including digital retail banking solutions, digital commercial banking solutions, and digital insurance solutions.
- Business Origination: Helps financial institutions find and acquire new customers through digital marketing and customer relationship management tools.
- Risk Management: Provides solutions for credit risk assessment, fraud detection, and regulatory compliance.
- Operation Support: Offers services such as customer service, claims processing, and back-office operations.
Leadership and Structure
Oneconnect's leadership team consists of experienced executives in technology and finance. The company operates with a functional structure, with teams dedicated to product development, sales, marketing, and operations.
Top Products and Market Share
Key Offerings
- Gamma Platform: A platform offering a range of AI-powered solutions for credit risk assessment, anti-fraud, and regulatory compliance. Competitors include LexisNexis Risk Solutions, Moody's Analytics.
- Oneconnect Digital Banking Solutions: Provides a suite of digital banking solutions, including mobile banking, online banking, and core banking systems. Competitors include Temenos, Finastra, FIS.
- Oneconnect Digital Insurance Solutions: Offers solutions for insurance companies, including digital sales platforms, claims processing, and policy management. Competitors include Guidewire Software, Duck Creek Technologies.
Market Dynamics
Industry Overview
The financial technology (Fintech) industry is experiencing rapid growth, driven by digital transformation, increasing demand for personalized financial services, and regulatory changes. Competition is high.
Positioning
Oneconnect positions itself as a leading technology provider to financial institutions, particularly in China and Southeast Asia. Its competitive advantages include its strong technology capabilities, deep understanding of the financial services industry, and established relationships with leading financial institutions. However, it faces challenges from established global fintech players and local competitors.
Total Addressable Market (TAM)
The total addressable market for fintech solutions globally is estimated to be in the hundreds of billions of dollars. Oneconnect is positioned to capture a portion of this market by focusing on specific segments such as digital banking and insurance.
Upturn SWOT Analysis
Strengths
- Strong technology capabilities
- Deep understanding of the financial services industry
- Established relationships with leading financial institutions
- Backed by Ping An Insurance Group
Weaknesses
- Geographic concentration in China and Southeast Asia
- Relatively young company with limited operating history
- Dependence on a few key customers
- Profitability challenges
Opportunities
- Expansion into new geographies
- Development of new products and services
- Increased adoption of cloud computing and AI in the financial services industry
- Partnerships with other technology companies
Threats
- Intense competition from established global fintech players and local competitors
- Regulatory changes
- Cybersecurity risks
- Economic downturns
Competitors and Market Share
Key Competitors
- FIS (FIS)
- Temenos (TEMN.SW)
- Guidewire Software (GWRE)
Competitive Landscape
Oneconnect faces intense competition from both established global fintech players and local competitors. Its advantages include its technology capabilities and Ping An backing. However, it needs to improve its profitability and expand its geographic reach.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Revenue growth has been positive, driven by expansion in China and Southeast Asia. However, profitability has remained a challenge.
Future Projections: Future growth is expected to be driven by the increasing demand for digital financial services and the company's ability to expand into new markets. Analyst estimates for revenue growth are available, but vary widely.
Recent Initiatives: Recent initiatives include expanding its product offerings, strengthening its partnerships, and investing in research and development.
Summary
Oneconnect Financial Technology Co. is a fintech company with potential, backed by Ping An, but faces profitability and geographic concentration challenges. The company has shown revenue growth but needs to demonstrate consistent profitability to be considered a strong long-term investment. Competition is intense, and Oneconnect needs to strategically expand and innovate to maintain its position. Careful monitoring of financial performance and strategic initiatives is crucial.
Similar Companies
ADBE
Adobe Systems Incorporated
ADBE
Adobe Systems Incorporated
FIS
Fidelity National Information Services Inc
FIS
Fidelity National Information Services Inc
GWRE
Guidewire Software Inc
GWRE
Guidewire Software Inc
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Industry Publications
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market data is delayed. Oneconnect Financial Technology Co. is a foreign filer. Past performance is not indicative of future results. Conduct thorough research before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Oneconnect Financial Technology Co
Exchange NYSE | Headquaters - | ||
IPO Launch date 2019-12-13 | Chairman & CEO Mr. Dangyang Chen | ||
Sector Technology | Industry Software - Application | Full time employees 1937 | Website https://www.ocft.com |
Full time employees 1937 | Website https://www.ocft.com | ||
OneConnect Financial Technology Co., Ltd. provides cloud-platform-based Fintech solutions, and online information and operating support services for financial institutions in the People's Republic of China. It operates in Technology Solutions and Virtual Bank Business segments. The company offers Gamma Platform, which offers a toolbox of separate solution modules that provide technology infrastructure and underlying technologies; marketing management platform, developed from AI Banker App, provides banks relationship managers with technology that supports in managing their acquisition and relationships with retail customers; and wealth management platform that provides banks with tools to enhance the efficiency of their wealth management business. It also provides intelligent product development platform for banks, which allows to shorten product development cycle, enhance speed to market, and facilitate product portfolio management; Regtech, an end-to-end regulatory solution for financial regulatory authorities; asset-liability management solution provides analytics to enhance financial institutions asset liquidity performance; and digital insurance solutions for digitalizing the insurance process, marketing, customer management, and claim processing under intelligent property and casualty insurance and life insurance solution. In addition, the company provides Gamma Voice Solution, an AI customer service for support customer service functions; and Gamma FinCloud, which allows entities with expensive-to-replace legacy systems to directly migrate to the cloud to securely maintain their data. Further, it offers information transmission, information technology advisory, E-commerce security certificate administration, technology promotion and computer application, software and technology, insurance survey and loss adjustment, and asset management and consulting services. The company was founded in 2015 and is headquartered in Shenzhen, the People's Republic of China.
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