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Upturn AI SWOT - About
Oneconnect Financial Technology Co (OCFT)
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Upturn Advisory Summary
07/01/2025: OCFT (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $3.03
1 Year Target Price $3.03
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 72.78% | Avg. Invested days 50 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 07/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 281.72M USD | Price to earnings Ratio - | 1Y Target Price 3.03 |
Price to earnings Ratio - | 1Y Target Price 3.03 | ||
Volume (30-day avg) 1 | Beta 1.96 | 52 Weeks Range 0.87 - 7.38 | Updated Date 07/1/2025 |
52 Weeks Range 0.87 - 7.38 | Updated Date 07/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -2.51 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -20.8% | Operating Margin (TTM) -15.3% |
Management Effectiveness
Return on Assets (TTM) -1.8% | Return on Equity (TTM) -25.94% |
Valuation
Trailing PE - | Forward PE 81.3 | Enterprise Value 33275499 | Price to Sales(TTM) 0.15 |
Enterprise Value 33275499 | Price to Sales(TTM) 0.15 | ||
Enterprise Value to Revenue 0.13 | Enterprise Value to EBITDA 0.17 | Shares Outstanding 38999400 | Shares Floating 256363732 |
Shares Outstanding 38999400 | Shares Floating 256363732 | ||
Percent Insiders 1.94 | Percent Institutions 4.04 |
Analyst Ratings
Rating 1 | Target Price 3.03 | 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 a technology-as-a-service platform for financial institutions. It was incubated by Ping An Group. Oneconnect initially served Ping An's ecosystem and later expanded to serve external customers.
Core Business Areas
- Technology Solutions: Provides cloud-native technology solutions, including digital banking, digital lending, and digital insurance to financial institutions.
- Business Consulting Services: Offers consulting services to help financial institutions implement and optimize their digital transformation strategies.
- Platform Based Services: Provides a platform to connect financial institutions and enable them to share resources and collaborate.
Leadership and Structure
The leadership team consists of key executives with experience in finance and technology. The organizational structure is designed to support the company's focus on innovation and customer service. The key members include Shen Chongfeng (Chairman and CEO).
Top Products and Market Share
Key Offerings
- Digital Banking Solutions: Provides a suite of solutions that enable banks to offer online and mobile banking services. Competitors include Temenos, Finastra, and Infosys Finacle. Market share is difficult to determine precisely due to the fragmented market, but Oneconnect is a key player in the Asia-Pacific region.
- Digital Lending Solutions: Offers solutions that automate the lending process, from application to approval. Competitors include Blend, Ellie Mae, and FIS. Revenue from this product is not publicly available. Oneconnect's digital lending solutions help financial institutions improve efficiency and reduce risk.
- Digital Insurance Solutions: Provides a platform to streamline insurance processes. Competitors include Majesco, Guidewire Software, and Duck Creek Technologies. This product increases operational efficiency for insurance companies.
Market Dynamics
Industry Overview
The financial technology (FinTech) industry is rapidly growing, driven by the increasing demand for digital financial services. Banks and insurance companies are increasingly adopting digital technologies to improve customer experience, reduce costs, and enhance efficiency.
Positioning
Oneconnect positions itself as a leading technology-as-a-service provider for financial institutions, leveraging its expertise in artificial intelligence, blockchain, and cloud computing. It aims to help financial institutions accelerate their digital transformation.
Total Addressable Market (TAM)
The global FinTech market is expected to reach several trillion dollars. Oneconnect Financial Technology Co is positioned to capture a portion of this market through its specialized services for financial institutions. Specifically for its target markets TAM for Digital Financial Services is estimated to be around $100 billion and growing.
Upturn SWOT Analysis
Strengths
- Strong backing from Ping An Group
- Deep understanding of the financial services industry
- Advanced technology capabilities
- Experience in serving a large customer base
Weaknesses
- Reliance on Ping An ecosystem
- Limited geographic presence outside of Asia
- Profitability concerns
- Customer concentration
Opportunities
- Expanding into new markets
- Developing new products and services
- Forming strategic partnerships
- Adoption of cloud computing in financial services
Threats
- Increasing competition
- Regulatory changes
- Cybersecurity risks
- Economic slowdown
Competitors and Market Share
Key Competitors
- FIS (FIS)
- Fiserv (FI)
- Temenos (TEMN.SW)
Competitive Landscape
Oneconnect faces intense competition from established FinTech companies and traditional IT service providers. Its competitive advantage lies in its deep understanding of the financial services industry and its advanced technology capabilities. However, it needs to improve its profitability and expand its geographic presence.
Growth Trajectory and Initiatives
Historical Growth: Oneconnect has experienced rapid growth in its early years, driven by the increasing demand for digital financial services.
Future Projections: Future growth projections depend on the company's ability to expand into new markets, develop new products, and achieve profitability. Analyst estimates vary and will require digging through specific research and reports.
Recent Initiatives: Recent initiatives include expanding into new geographic markets, developing new AI-powered solutions, and strengthening partnerships with financial institutions.
Summary
Oneconnect Financial Technology Co is a technology-as-a-service platform with strong backing and technology. Its profitability and customer concentration are concerns. Expanding into new markets and developing new products are crucial for future growth. Intense competition and regulatory changes pose significant threats to Oneconnect.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.
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. 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 that 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 that offers 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 solutions. In addition, the company offers AI Gamma Vision that enhances deepfake detection, risk mitigation, and fraud prevention capabilities; digitalized services; and security architecture, a secure and trusted environment throughout the data life-cycle. Further, it provides software and technology, information transmission, technology promotion and computer application, information technology advisory, E-commerce security certificate administration, insurance survey and loss adjustment, and asset management and consulting services. OneConnect Financial Technology Co., Ltd. was founded in 2015 and is headquartered in Shenzhen, the People's Republic of China.
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