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Upturn AI SWOT - About
OCFT 
Oneconnect Financial Technology Co (OCFT)
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Upturn Advisory Summary
09/12/2025: OCFT (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
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 73.5% | Avg. Invested days 63 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 285.39M 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 1.89 | 52 Weeks Range 1.12 - 7.64 | Updated Date 09/14/2025 |
52 Weeks Range 1.12 - 7.64 | Updated Date 09/14/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -2.61 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-08-21 | When - | Estimate - | Actual -0.04 |
Profitability
Profit Margin -41.46% | Operating Margin (TTM) -14.28% |
Management Effectiveness
Return on Assets (TTM) -2.47% | Return on Equity (TTM) -25.68% |
Valuation
Trailing PE - | Forward PE 81.3 | Enterprise Value 82195821 | Price to Sales(TTM) 0.17 |
Enterprise Value 82195821 | Price to Sales(TTM) 0.17 | ||
Enterprise Value to Revenue 0.36 | Enterprise Value to EBITDA 0.17 | Shares Outstanding 38999400 | Shares Floating 279367980 |
Shares Outstanding 38999400 | Shares Floating 279367980 | ||
Percent Insiders 1.94 | Percent Institutions 5.13 |
Upturn AI SWOT
Oneconnect Financial Technology Co
Company Overview
History and Background
Oneconnect Financial Technology Co., Ltd. was founded in 2015 as a subsidiary of Ping An Insurance Group. It aimed to provide technology solutions to financial institutions. It has expanded its services globally and went public in the US in 2019.
Core Business Areas
- Technology Solutions for Financial Institutions: Provides a range of technology solutions, including cloud-based services, AI-powered analytics, and blockchain-based platforms, tailored to the financial services industry.
- Digital Banking Solutions: Offers solutions for digital banking, including mobile banking platforms, online account opening, and customer relationship management (CRM) systems.
- Risk Management Solutions: Delivers AI-powered tools for risk assessment, fraud detection, and compliance, helping financial institutions improve risk management practices.
- Insurance Technology Solutions: Specializes in solutions tailored for the insurance industry, including claims processing, policy administration, and customer engagement platforms.
Leadership and Structure
The company has a CEO and a management team responsible for the overall strategy and operations. It operates with distinct business units focusing on different technology solutions for the financial industry.
Top Products and Market Share
Key Offerings
- Gamma Platform: A platform offering AI-driven solutions for credit risk assessment. Competitors include Moody's Analytics and Experian. No reliable recent market share or revenue data is publicly available.
- OneConnect Blockchain: Provides blockchain-based solutions for supply chain finance and trade finance. Competitors include IBM Blockchain and R3 Corda. No reliable recent market share or revenue data is publicly available.
- Digital Banking Solutions Suite: Includes various modules for digital banking, like mobile applications and online platforms. Competitors include Temenos and Finastra. No reliable recent market share or revenue data is publicly available.
Market Dynamics
Industry Overview
The financial technology (FinTech) industry is experiencing rapid growth driven by digital transformation and increasing demand for innovative financial services. Regulatory changes and competition from both established players and new entrants shape the industry.
Positioning
Oneconnect Financial Technology Co. positions itself as a leading technology provider for financial institutions, leveraging its expertise in AI, blockchain, and cloud computing. It seeks to differentiate itself through tailored solutions and strong relationships with financial institutions.
Total Addressable Market (TAM)
The global fintech market is estimated to reach trillions of dollars. Oneconnect is positioned to address a portion of this market by focusing on technology solutions for financial institutions in Asia and other regions. However, exact figures for Oneconnect's specific TAM are not readily available.
Upturn SWOT Analysis
Strengths
- Strong technology capabilities in AI, blockchain, and cloud computing
- Established relationships with major financial institutions
- Deep understanding of the financial services industry
- Experience in digital transformation
- Backed by Ping An Insurance Group's resources and network
Weaknesses
- Reliance on key clients
- Geographic concentration (primarily in Asia)
- Intense competition in the FinTech industry
- Historical losses and profitability concerns
- Relatively small market share compared to established players
Opportunities
- Expanding into new geographic markets
- Developing innovative solutions for emerging technologies
- Partnering with other FinTech companies
- Addressing the growing demand for digital financial services
- Leveraging its expertise in AI and blockchain
Threats
- Increasing competition from established FinTech companies and new entrants
- Regulatory changes impacting the financial services industry
- Cybersecurity risks and data breaches
- Economic downturns affecting the financial sector
- Geopolitical risks
Competitors and Market Share
Key Competitors
- FIS (FIS)
- Fiserv (FI)
- Temenos (TEMN.SW)
Competitive Landscape
Oneconnect faces intense competition. Its advantages are its technological expertise, particularly in AI and blockchain, and its backing from Ping An. Disadvantages include reliance on specific clients and geographic concentration.
Growth Trajectory and Initiatives
Historical Growth: Historical growth patterns are unavailable without sufficient data.
Future Projections: Future growth projections are unavailable due to a lack of analyst coverage and limited financial data.
Recent Initiatives: Recent initiatives are unavailable without sufficient data.
Summary
Oneconnect Financial Technology Co. is a FinTech company providing technology solutions to financial institutions. The company's strengths lie in its technology capabilities and backing from Ping An. However, it faces challenges including intense competition and the need to achieve profitability and expand its customer base and geographical reach. Its dependence on key clients also poses a risk and is working to overcome this challenge.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings, Company Website, Industry Reports, Analyst Reports
- Market Research
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data and analysis are subject to change and may not be accurate. This rating is AI-generated and based on publicly available information, which may be limited.
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 1981 | Website https://www.ocft.com |
Full time employees 1981 | 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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