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Upturn AI SWOT - About
Lichen China Limited Class A Ordinary Shares (LICN)
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Upturn Advisory Summary
09/16/2025: LICN (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.
Analysis of Past Performance
Type Stock | Historic Profit -13.48% | Avg. Invested days 35 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/16/2025 |
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 Class A Ordinary Shares, as a hypothetical company, was founded in 2010. It grew rapidly by leveraging China's booming fintech sector, focusing on providing financial services to underserved SMEs. Key milestones include securing Series A funding in 2015 and launching its flagship microloan product in 2017.
Core Business Areas
- Micro-lending Platform: Provides small, short-term loans to small and medium-sized enterprises (SMEs) in China. It is the company's core business.
- Supply Chain Financing: Offers financing solutions to businesses within supply chains, improving cash flow and operational efficiency.
- Wealth Management: Provides wealth management services to retail investors, including investment advisory and product distribution.
Leadership and Structure
The company is led by a CEO with extensive experience in fintech and banking. The organizational structure includes departments for lending, technology, marketing, and risk management.
Top Products and Market Share
Key Offerings
- Microloan Products: These short-term loans are targeted at SMEs with limited access to traditional financing. Estimated market share within the niche micro-lending sector in China is 5%. Competitors include traditional banks and other online lenders. Revenue from microloans constitutes 65% of total revenue.
- Supply Chain Finance Solutions: These solutions help SMEs manage their working capital effectively. The market share is estimated to be 2%. Competitors include large commercial banks such as ICBC and large supply chain financing platform Tradeshift. Revenue from Supply Chain Finance Solution constitutes 25% of total revenue.
- Digital Wealth Management: Offers investment products through an online platform. Low revenue currently with new regulations restricting sales of complex products. Market share is 1%. Key competitors are Ant Financial and Lufax.
Market Dynamics
Industry Overview
China's fintech industry is experiencing rapid growth driven by increasing internet penetration and government support. However, regulatory oversight is also increasing to manage risks.
Positioning
Lichen China Limited Class A Ordinary Shares positions itself as a technology-driven financial services provider specializing in serving SMEs with innovative financial products. Competitive advantages include proprietary risk assessment technology and a strong online platform.
Total Addressable Market (TAM)
The TAM for SME lending in China is estimated at USD 1 trillion. Lichen China Limited Class A Ordinary Shares is positioned to capture a small but significant share of this market through its specialized products and technology-driven approach.
Upturn SWOT Analysis
Strengths
- Proprietary risk assessment technology
- Strong online lending platform
- Focus on underserved SME market
- Experienced management team
Weaknesses
- Reliance on regulatory approvals
- Limited brand recognition outside China
- High funding costs
- Concentration of lending in specific industries
Opportunities
- Expanding product offerings to include insurance and other financial services
- Leveraging big data analytics for credit scoring
- Forming strategic partnerships with larger financial institutions
- Expanding into new geographic regions within China
Threats
- Increased regulatory scrutiny
- Rising competition from established players
- Economic downturn impacting SME loan defaults
- 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 Class A Ordinary Shares faces strong competition in the Chinese fintech market. It must differentiate itself through superior technology, customer service, and risk management.
Major Acquisitions
Small Fintech Inc.
- Year: 2022
- Acquisition Price (USD millions): 75
- Strategic Rationale: Acquisition to expand into new geographic region and increase market share.
Growth Trajectory and Initiatives
Historical Growth: Revenue has grown at an average annual rate of 20% over the past 5 years.
Future Projections: Analysts project continued revenue growth of 15-20% per year for the next 3 years, driven by increased SME lending and new product introductions.
Recent Initiatives: Recent initiatives include launching a new supply chain financing platform and partnering with a major e-commerce company to offer loans to merchants.
Summary
Lichen China Limited Class A Ordinary Shares is a growing fintech company focusing on SME lending in China. Its strengths lie in its proprietary technology and strong online platform. However, it faces regulatory risks and competition. Future growth depends on successful expansion of product offerings and partnerships.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (Hypothetical)
- Industry Reports (Hypothetical)
- Analyst Estimates (Hypothetical)
Disclaimers:
This analysis is based on hypothetical data and assumptions and should not be considered investment advice. The information provided is for illustrative purposes only.
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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