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Upturn AI SWOT - About
Lichen China Limited Class A Ordinary Shares (LICN)
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Upturn Advisory Summary
08/28/2025: 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 -6.72% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
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 services provider in China, founded in 2011. They focus on loan facilitation and investment solutions, connecting borrowers with lenders.
Core Business Areas
- Loan Facilitation: Lichen China Limited connects borrowers with lenders through its online platform. They assess borrower risk and match them with appropriate loan products.
- Investment Solutions: The company offers various investment products and services to individual investors, aiming to provide wealth management solutions.
Leadership and Structure
The leadership structure comprises a board of directors and an executive management team responsible for strategic direction and daily operations.
Top Products and Market Share
Key Offerings
- Loan Products: Lichen facilitates various loan types, including consumer loans and small business loans. Competitors include PPDai, Qudian, and LexinFintech. Market share data is not readily available due to the fragmented nature of the Chinese online lending market.
- Investment Products: Lichen offers wealth management products to individual investors. Competitors include Lufax and Ant Fortune. Market share data for specific investment products is difficult to obtain.
Market Dynamics
Industry Overview
The Chinese online lending market is rapidly evolving, with increased regulatory scrutiny and consolidation. The wealth management sector is also expanding, driven by rising incomes and investment demand.
Positioning
Lichen positions itself as a platform connecting borrowers and lenders, leveraging technology to streamline the loan process and offer diverse investment options. It faces competition from larger, more established players and smaller, niche providers.
Total Addressable Market (TAM)
The TAM for China's online lending and wealth management markets is substantial. Lichen is a smaller player seeking to capture a portion of this large market through strategic partnerships and product innovation.
Upturn SWOT Analysis
Strengths
- Online platform for loan facilitation
- Diverse range of investment products
- Experienced management team
- Established presence in China
Weaknesses
- Smaller market share compared to larger competitors
- Dependence on regulatory environment in China
- Potential for credit risk in loan portfolio
Opportunities
- Expanding online lending market in China
- Growing demand for wealth management services
- Potential for partnerships with other financial institutions
Threats
- Increased regulatory scrutiny
- Competition from larger players
- Economic slowdown in China
- Changes in government policy
Competitors and Market Share
Key Competitors
- LU
- QD
- LX
- YRD
Competitive Landscape
Lichen faces competition from larger, more established players in China's online lending and wealth management markets. It needs to differentiate itself through innovative products and services or strategic partnerships.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data should be extracted from Lichen's financial reports. This data needs to be entered first.
Future Projections: Future growth projections would be based on analyst consensus estimates, requiring a data source of analyst forecasts.
Recent Initiatives: Recent initiatives are not available
Summary
Lichen China Limited operates in a highly competitive market. Regulatory uncertainty poses a risk. Lichen's online platform and investment solutions provide a foundation for growth, but it must navigate the changing landscape effectively. Their future success will depend on managing risk and capitalizing on growth opportunities in the Chinese market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company press releases
- SEC filings
- Industry reports
- Analyst estimates (where available)
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is based on available estimates and may not be precise. Investment decisions should be made based on thorough research and consultation with a qualified financial advisor.
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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