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Upturn AI SWOT - About
Lichen China Limited Class A Ordinary Shares (LICN)
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Upturn Advisory Summary
10/30/2025: LICN (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -17.04% | Avg. Invested days 35 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 3.24M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 1.23 | 52 Weeks Range 2.60 - 488.00 | Updated Date 06/29/2025 |
52 Weeks Range 2.60 - 488.00 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -34.79 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -14.8% | Operating Margin (TTM) -26.74% |
Management Effectiveness
Return on Assets (TTM) -3.91% | Return on Equity (TTM) -8.94% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value -23375153 | Price to Sales(TTM) 0.08 |
Enterprise Value -23375153 | Price to Sales(TTM) 0.08 | ||
Enterprise Value to Revenue 1.15 | Enterprise Value to EBITDA 3 | Shares Outstanding 716825 | Shares Floating 693725 |
Shares Outstanding 716825 | Shares Floating 693725 | ||
Percent Insiders 5.45 | Percent Institutions 3.32 |
Upturn AI SWOT
Lichen China Limited Class A Ordinary Shares
Company Overview
History and Background
Lichen China Limited is a financial service provider focusing on loan facilitation and wealth management in China. Founded in 2009, it has evolved to offer a suite of financial products and services through online and offline channels.
Core Business Areas
- Loan Facilitation: Connects borrowers with lenders through its online platform and physical service centers, primarily focusing on small and medium-sized enterprises (SMEs) and individual consumers.
- Wealth Management: Offers wealth management services to individual investors, including investment advisory, portfolio management, and distribution of third-party investment products.
Leadership and Structure
The company is led by a board of directors and a management team responsible for overseeing the company's strategy and operations. Details of specific individuals are typically available in the company's annual reports.
Top Products and Market Share
Key Offerings
- SME Loans: Facilitates loans for SMEs, often through partnerships with other financial institutions. Market share data is not readily available, but this segment contributes significantly to revenue. Competitors include traditional banks, online lending platforms, and microfinance institutions.
- Consumer Loans: Offers loans to individual consumers for various purposes. Market share data is not readily available. Competitors include other consumer lending platforms and credit card companies.
- Wealth Management Products: Distributes third-party wealth management products. Revenue contribution varies. Competitors include other wealth management firms and online investment platforms.
Market Dynamics
Industry Overview
The financial services industry in China is highly regulated and competitive, with significant growth potential driven by increasing disposable incomes and financial inclusion initiatives.
Positioning
Lichen China Limited aims to differentiate itself by providing personalized financial solutions and leveraging its online and offline network. Its competitive advantage lies in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for SME and consumer lending in China is substantial, estimated in the trillions of USD. Lichen China Limited captures a small percentage of this TAM, indicating significant growth opportunities.
Upturn SWOT Analysis
Strengths
- Established online platform
- Extensive local network
- Strong customer relationships
- Focus on underserved SMEs and consumers
Weaknesses
- Regulatory risks
- Credit risk
- Intense competition
- Relatively small market share
Opportunities
- Expanding online lending market
- Increasing demand for wealth management services
- Strategic partnerships with financial institutions
- Government support for SMEs
Threats
- Changes in regulations
- Economic downturn
- Increased competition
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Lufax Holding Ltd (LU)
- 360 DigiTech Inc (QFIN)
- LexinFintech Holdings Ltd (LX)
Competitive Landscape
Lichen China Limited faces intense competition from larger, more established players in the Chinese financial services market. Its success depends on its ability to differentiate its services and maintain strong customer relationships.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been influenced by regulatory changes and market conditions. Growth in loan facilitations and wealth management offerings has been a focal point.
Future Projections: Future growth is projected to be driven by expansion in online lending and wealth management, although specific analyst estimates are not provided here. Access to financial analysts reports would be needed.
Recent Initiatives: Recent initiatives include expanding its online platform, strengthening partnerships, and complying with regulatory requirements.
Summary
Lichen China Limited is a smaller financial service provider in a highly competitive Chinese market. Its strengths lie in its local network and SME focus, while its weaknesses include regulatory risks and competition. Its success hinges on navigating the complex regulatory landscape and capitalizing on the growing demand for financial services in China.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Financial News Outlets
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market data can fluctuate, so it is important to consult with a financial professional 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 Lichen China Limited Class A Ordinary Shares
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 2023-02-06 | Chairman of the Board & CEO Mr. Ya Li | ||
Sector Industrials | Industry Specialty Business Services | Full time employees 452 | Website https://www.lichenzx.com |
Full time employees 452 | Website https://www.lichenzx.com | ||
Lichen International Limited, an investment holding company, provides financial and taxation, education support, and software and maintenance services in the People's Republic of China. It offers financial and taxation-related management consultation, internal control management consultation, annual or regular consultation, and internal training and general consultation services; and education support services, including marketing, operational, and technical support, as well as the sale of teaching and learning materials. The company also provides software and maintenance services, including the sale of financial and taxation analysis software, and financial and taxation training software, as well as offers software installation, training, and after-sales technical and maintenance support services. It serves listed companies, state-owned enterprises, government authorities, and other business enterprises, including small and medium-sized enterprises. The company was formerly known as Lichen China Limited and changed its name to Lichen International Limited in March 2025. Lichen International Limited was incorporated in 2016 and is based in Xiamen, China.
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