Nisun International Enterprise Development Group Co., Ltd (NISN) 10-Year Financial Performance & Capital Metrics

NISN • • Banking & Credit

Financial ServicesCredit ServicesFintech Platforms & Digital LendingChinese Fintech Platforms

AboutNisun International Enterprise Development Group Co., Ltd, an investment holding company, provides technology-driven integrated supply chain solutions for enterprises and financial institutions in the People's Republic of China and internationally. It offers professional solutions for technology supply chain management, technology asset routing, and digital transformation of tech and finance institutions. The company also provides a range of technology-driven customized financing solutions to small- and mid-sized enterprises (SMEs) to enhance SMEs' access to capital through its closed-loop ecosystem built on fintech platforms; and direct banking solutions to small- and medium-sized commercial banks and other financial institutions in their distribution and management of direct banking and other financial products. Nisun International Enterprise Development Group Co., Ltd has a strategic collaboration with Henan Wanbang International Agricultural Products Logistics Co., Ltd. for cooperation on businesses related to the agricultural field. The company was formerly known as Hebron Technology Co., Ltd. and changed its name to Nisun International Enterprise Development Group Co., Ltd in September 2020. Nisun International Enterprise Development Group Co., Ltd was founded in 2005 and is headquartered in Shanghai, the People's Republic of China.Show more

Net Interest Income $2M -35.0%
Total Revenue $340M -12.2%
Net Income $924K -94.7%
Return on Equity 0.45% -95.0%
Net Interest Margin 0.61% -24.3%
Efficiency Ratio 8.01% +42.7%
ROA 0.31% -94.6%
Equity / Assets 77.79% +21.0%
Book Value per Share 52.09 +1.2%
Tangible BV/Share 47.83 +2.2%
Debt/Equity 0.04 +71.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Company is almost debt free
✓Efficient operations: 8.0% efficiency ratio
✓Well capitalized: 77.8% equity/assets
✓Diversified revenue: 99.5% from non-interest income
✓Trading at only 0.0x book value

✗Weaknesses

✗Profits declining 19.5% over 5 years
✗Weak Piotroski F-Score: 3/9
✗Weak NIM of 0.6%
✗Weak momentum: RS Rating 2 (bottom 2%)
✗Trading more than 30% below 52-week high

Price & Volume

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Growth Metrics

Revenue CAGR

10Y35.13%

5Y74.31%

3Y28.46%

TTM-

Profit (Net Income) CAGR

10Y-12.25%

5Y-19.55%

3Y-68.79%

TTM-61.46%

EPS CAGR

10Y-22.22%

5Y-32.81%

3Y-74.66%

TTM-74.51%

ROCE

10Y Avg14.63%

5Y Avg12.76%

3Y Avg6.87%

Latest1.78%

Peer Comparison

Chinese Fintech Platforms

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
QDQudian Inc.	304.91M	3.00	6.12	71.31%	42.38%	4.56%		0.07
NISNNisun International Enterprise Development Group Co., Ltd	5.73M	1.20	5.20	-12.17%	0.27%	8.76%		0.04
LULufax Holding Ltd	2.25B	2.60	0.84	-39.62%	2.13%	-3.92%	100%	0.48
FINVFinVolution Group	736.79M	5.26	0.58	3.69%	18.24%	16.74%	100%	0.00
LXLexinFintech Holdings Ltd.	415.01M	3.13	0.48	8.78%	7.75%	13.91%	100%	0.49
QFINQfin Holdings, Inc.	2.2B	16.89	0.20	5.38%	36.49%	28.34%	100%	0.07
YRDYiren Digital Ltd.	343.9M	3.98	0.11	18.59%	27.25%	12.13%	100%	0.00
XYFX Financial	136.82M	6.00	0.03	79.16%	26.23%	22.61%	100%	0.05

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	-55.62K	-49.63K	-56.95K	-207.35K	-158.12K	585.18K	2.12M	2.79M	2.56M	1.66M
NII Growth %	0.21%	0.11%	-0.15%	-2.64%	0.24%	4.7%	2.63%	0.31%	-0.08%	-0.35%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	0	0	0	952	0	585.18K	2.12M	2.79M	2.56M	1.66M
Interest Expense	55.62K	49.63K	56.95K	208.31K	158.12K	0	0	0	0	0
Loan Loss Provision	14.2M	16.59M	18.7M	17.5M	12.89M	19.97M	106.15M	197.12M	346.16M	308.71M
Non-Interest Income+	23M	27.1M	29.2M	25.29M	21.1M	41.61M	158.08M	231.38M	384.11M	337.96M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	23M	27.1M	29.2M	25.29M	21.1M	42.19M	160.2M	234.17M	386.67M	339.62M
Revenue Growth %	0.37%	0.18%	0.08%	-0.13%	-0.17%	1%	2.8%	0.46%	0.65%	-0.12%
Non-Interest Expense	2.69M	2.48M	6.57M	4.99M	4.04M	12.19M	15.86M	19.34M	21.71M	27.2M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	6.05M	7.98M	3.88M	-5.33M	5.27M	10.03M	38.19M	17.71M	18.8M	3.71M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.27%	0.32%	-0.51%	-2.37%	1.99%	0.9%	2.81%	-0.54%	0.06%	-0.8%
Pretax Income+	6.01M	7.94M	4.2M	-5.8M	3.18M	10.86M	40.78M	22.52M	23.52M	5.56M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	1.62M	2M	-2.94M	-651.05K	442.6K	941.06K	10.27M	4.74M	5.82M	4.53M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	4.4M	5.93M	7.14M	-5.14M	2.74M	-13.23M	30.38M	17.62M	17.58M	923.64K
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.29%	0.35%	0.2%	-1.72%	1.53%	-5.83%	3.3%	-0.42%	-0%	-0.95%
Net Income (Continuing)	4.4M	5.93M	7.14M	-5.31M	1.23M	9.92M	30.51M	17.78M	17.7M	1.04M
EPS (Diluted)+	3.66	4.90	4.90	-3.26	1.68	-7.12	14.13	4.42	4.46	0.23
EPS Growth %	0.29%	0.34%	0%	-1.67%	1.52%	-5.24%	2.98%	-0.69%	0.01%	-0.95%
EPS (Basic)	3.66	4.90	4.90	-3.26	1.68	-7.12	14.13	4.42	4.46	0.23
Diluted Shares Outstanding	1.2M	1.2M	1.47M	1.58M	1.63M	1.86M	2.15M	3.99M	3.94M	4.05M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	947.59K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	1.12M	11.88M	3.22M	947.59K	3.45M	22.14M	91.45M	63.9M	114.45M	45.02M
Short Term Investments	0	0	0	0	0	1000K	1000K	1000K	1000K	1000K
Total Investments+	-1.2M	0	-1.09M	3.05M	3.71M	20.9M	57.28M	34.24M	13.16M	7.34M
Investments Growth %	0.1%	1%	-	3.81%	0.21%	4.64%	1.74%	-0.4%	-0.62%	-0.44%
Long-Term Investments	-1.2M	0	-1.09M	3.05M	3.71M	16.22M	16.61M	22.54M	368.53K	457.42K
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	11.07M	25.17M	25.77M	23.81M	17.66M	17.05M
Intangible Assets	1.2M	1.07M	1.09M	969.34K	5.12M	3.73M	2.85M	1.8M	882.83K	205.03K
PP&E (Net)	12.87M	12.26M	15.67M	13.49M	13.8M	2.12M	943.63K	4.07M	3.27M	1.97M
Other Assets	107.83K	-1.07M	46.1K	-925.71K	5.37M	0	0	0	0	0
Total Current Assets	16.84M	34.58M	38.58M	38.42M	43.71M	60.4M	227.8M	230.89M	293.3M	251.33M
Total Non-Current Assets	13.3M	12.5M	15.97M	18.23M	41.09M	47.7M	46.18M	52.52M	22.6M	20.09M
Total Assets+	30.13M	47.08M	54.55M	56.65M	84.8M	108.1M	273.98M	283.42M	315.9M	271.42M
Asset Growth %	0.32%	0.56%	0.16%	0.04%	0.5%	0.27%	1.53%	0.03%	0.11%	-0.14%
Return on Assets (ROA)	0.17%	0.15%	0.14%	-0.09%	0.04%	-0.14%	0.16%	0.06%	0.06%	0%
Accounts Payable	1.55M	1.19M	1.28M	1.36M	224.04K	1.31M	35M	40.93M	45.46M	38.86M
Total Debt+	814.12K	820.76K	1.52M	4.21M	3.96M	11.95M	11.8M	11.9M	4.48M	7.99M
Net Debt	-303.53K	-11.06M	-1.7M	3.26M	508.13K	-10.19M	-79.65M	-52M	-109.98M	-37.03M
Long-Term Debt	0	532.77K	414.91K	212.35K	54.73K	0	0	0	0	0
Short-Term Debt	814.12K	287.99K	692.44K	3.99M	1.95M	10.53M	11.31M	8.46M	1.97M	6.22M
Other Liabilities	0	0	0	0	-368.02K	676.01K	504.03K	727.33K	114.65K	0
Total Current Liabilities	13.65M	15.4M	13.19M	19.68M	28.23M	26.8M	88.72M	90.47M	111.09M	59.47M
Total Non-Current Liabilities	0	532.77K	826.6K	212.35K	2.63M	1.36M	653.02K	3.15M	1.76M	818.13K
Total Liabilities	13.65M	15.93M	14.02M	19.9M	30.86M	28.16M	89.38M	93.62M	112.84M	60.29M
Total Equity+	16.48M	31.15M	40.53M	36.76M	53.94M	79.94M	184.6M	189.8M	203.05M	211.13M
Equity Growth %	0.27%	0.89%	0.3%	-0.09%	0.47%	0.48%	1.31%	0.03%	0.07%	0.04%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.3%	0.25%	0.2%	-0.13%	0.06%	-0.2%	0.23%	0.09%	0.09%	0%
Book Value per Share	13.73	25.86	27.58	23.32	33.15	43.01	85.83	47.61	51.49	52.09
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	12K	14.7K	14.7K	16.27K	17.71K	20.55K	39.81K	40.06K	40.18K	47.25K
Additional Paid-in Capital	108.97K	10.24M	10.24M	13.36M	28.37M	59.47M	130.32M	130.5M	130.54M	139.71M
Retained Earnings	16.81M	22.74M	29.88M	24.73M	27.47M	14.38M	37.82M	53.21M	68.4M	72.52M
Accumulated OCI	-445.57K	-1.85M	402.39K	-1.35M	-1.91M	2.97M	12.45M	2.23M	89.57K	-4.26M
Treasury Stock	0	0	0	0	0	0	0	-355.84K	-261.59K	-1.25M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	3.93M	1.58M	-6.1M	-725.08K	335.23K	2.69M	23.86M	-28.95M	35.5M	-75.69M
Operating CF Growth %	0.42%	-0.6%	-4.87%	0.88%	1.46%	7.01%	7.88%	-2.21%	2.23%	-3.13%
Net Income	4.4M	5.93M	7.14M	-5.14M	1.23M	9.92M	30.51M	17.78M	17.58M	923.64K
Depreciation & Amortization	444.4K	517.4K	940K	1.2M	242.41K	1.69M	2.18M	2.11M	1.26M	1.04M
Deferred Taxes	-89.08K	56.97K	11.53K	-1.47M	-55.73K	-584.76K	275.75K	271.91K	-710.67K	-118.22K
Other Non-Cash Items	367.31K	372	199.89K	8.2M	-263.48K	309.2K	-323.63K	4.75M	8.45M	20.07M
Working Capital Changes	-1.19M	-4.93M	-14.38M	-3.5M	-819.64K	-9.74M	-9.35M	-54.18M	8.9M	-97.6M
Cash from Investing+	-3.14M	-980.92K	-3.13M	-115.21K	-1.96M	-4.72M	-25.25M	17.84M	19.78M	6.01M
Purchase of Investments	0	0	0	0	0	-3.07M	-39.53M	-59M	-104.37M	-39.18M
Sale/Maturity of Investments	0	0	0	0	0	-59.42K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	2.04M	-10.6M	-7.01M	-530.32K	36.22K	593.26K
Other Investing	0	0	0	-115.21K	-3.77M	9.3M	16.59M	-501.9K	-273.19K	-205.41K
Cash from Financing+	8.83K	10.27M	863.37K	730.67K	3.15M	18.36M	70.53M	-8.34M	-6.75M	-739.85K
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	0	0	0	0	-355.84K	0	-1.06M
Stock Issued	0	10.13M	0	0	3.58M	6.5M	70.79M	0	94.25K	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	8.83K	62.46K	1000K	0	0	1000K	784.61K	-1000K	-1000K	315.65K
Other Financing	0	10.2M	-119.85K	730.67K	-430K	3.28M	-1.05M	27.02K	-35.29K	0
Net Change in Cash+	741.18K	10.76M	-8.66M	-203.86K	1.34M	19.42M	69.43M	-24.31M	47.33M	-69.63M
Exchange Rate Effect	-63.15K	-104.29K	-294.92K	-94.24K	-1000K	1000K	294.93K	-1000K	-1000K	786.54K
Cash at Beginning	376.47K	1.12M	11.88M	3.28M	3.07M	2.78M	22.2M	91.63M	67.32M	114.65M
Cash at End	1.12M	11.88M	3.22M	3.07M	4.41M	22.2M	91.63M	67.32M	114.65M	45.02M
Interest Paid	55.62K	0	0	91.92K	0	124.78K	370.36K	496.93K	29.96K	170.75K
Income Taxes Paid	1.6K	0	0	42.25K	0	552.78K	5.55M	10.39M	4.53M	5.67M
Free Cash Flow+	795.49K	596.38K	-9.22M	-840.29K	97.69K	2.39M	23.65M	-29.68M	34.95M	-75.71M
FCF Growth %	1.3%	-0.25%	-16.47%	0.91%	1.12%	23.44%	8.91%	-2.25%	2.18%	-3.17%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	29.81%	24.92%	19.91%	-13.31%	6.04%	-19.76%	22.97%	9.41%	8.95%	0.45%
Return on Assets (ROA)	16.61%	15.37%	14.04%	-9.25%	3.87%	-13.71%	15.9%	6.32%	5.87%	0.31%
Net Interest Margin	-0.18%	-0.11%	-0.1%	-0.37%	-0.19%	0.54%	0.77%	0.98%	0.81%	0.61%
Efficiency Ratio	11.68%	9.16%	22.49%	19.75%	19.17%	28.89%	9.9%	8.26%	5.61%	8.01%
Equity / Assets	54.69%	66.16%	74.31%	64.88%	63.6%	73.95%	67.38%	66.97%	64.28%	77.79%
Book Value / Share	13.73	25.86	27.58	23.32	33.15	43.01	85.83	47.61	51.49	52.09
NII Growth	21.1%	10.78%	-14.77%	-264.08%	23.74%	470.09%	262.78%	31.46%	-8.36%	-34.99%

Revenue by Segment

	2021	2022	2023
DisaggregatedByNatureMember	1.21M	-	-
DisaggregatedByNatureMember Growth	-	-	-

Revenue by Geography

	2021	2022	2023
HONG KONG	-	12.38M	7.88M
HONG KONG Growth	-	-	-36.37%

Frequently Asked Questions

Valuation & Price

Nisun International Enterprise Development Group Co., Ltd (NISN) has a price-to-earnings (P/E) ratio of 5.2x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Nisun International Enterprise Development Group Co., Ltd (NISN) saw revenue decline by 12.2% over the past year.

Yes, Nisun International Enterprise Development Group Co., Ltd (NISN) is profitable, generating $18.5M in net income for fiscal year 2024 (0.3% net margin).

Dividend & Returns

Nisun International Enterprise Development Group Co., Ltd (NISN) has a return on equity (ROE) of 0.4%. This is below average, suggesting room for improvement.

Industry Metrics

Nisun International Enterprise Development Group Co., Ltd (NISN) has a net interest margin (NIM) of 0.6%. NIM has been under pressure due to interest rate environment.

Nisun International Enterprise Development Group Co., Ltd (NISN) has an efficiency ratio of 8.0%. This is excellent, indicating strong cost control.

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