51 Credit Card Inc., an investment holding company, operates an online credit card management platform in the People's Republic of China. Its primary apps include 51 Credit Card Manager. The company offers personal financial services comprising personal credit management, credit card technology, and credit facilitation services. It also provides prepaid card issuance and acceptance, and Internet payment services; micro loan services; financing guarantee services; post-loan management; and employees' incentive operations. The company was founded in 2012 and is headquartered in Hangzhou, China.

51 Credit Card Inc.

ftcash is a financial technology company that provides digital payment solutions and working capital loans to small and micro-merchants in India.

Vaibhav Lodha

Deepak Kothari

Sanjeev Chandak

ftcash

Happy Loans provides a service that connects customers with lending partners offering loans, aimed at helping with emergency expenses such as medical fees, mechanic costs, and bills.

Happy Loans

51信用卡 provides credit card management, lending, and investment services, self-described as a listed platform on the Hong Kong Stock Exchange.

51信用卡

51信用卡 | 420 followers on LinkedIn. 51信用卡 is a company based out of China.

Metric
Company Name	51	ftcash	Happy Loans
Symbol	2.05K
MSH ID	COM:U51	COM:FTCASH	NET:HAPPYLOANS
Market	STOCKS	PRIVATE	PRIVATE
Sector	Financial Services	Financial Services & Finance	Financial Services & Finance
Industry	Financial - Credit Services	Financial Technology	Consumer Finance
Country	CN		US
Stage		Series A	Debt Financing
Employee Count	360	251
Website	u51.com	ftcash.com	happyloans.net
LinkedIn	51%E4%BF%A1%E7%94%A8%E5%8D%A1
Founders

Metric
Market Cap	43.30M
Enterprise Value
Monthly Web Traffic		1.62K
Web Traffic Growth		0.47
Valuation
Raised Capital		7.20M	987.59K

Metric
Revenue	28.92M
Revenue (LTM)
Revenue (NTM)
Gross Profit	880.84K
EBITDA	7.00M
Operating Income	5.08M
Net Income	1.52M
EPS	0.00
Diluted EPS	0.00
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.03
Operating Profit Margin	0.18
EBITDA Margin	0.24
Net Profit Margin	0.05
Return on Equity	0.02
Return on Assets	0.01
Return on Capital Employed	0.05

2051

COM:U51

51信用卡

Last Close

0.23

25/11 06:56

Market Cap

336.86M

Beta: -

Volume Today

2.12M

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	-0.89
P/B Ratio	0.12
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	1.83
EV Multiple	11.29

Metric
Days Sales Outstanding	1.18K
Days Payables Outstanding
Days Inventory Outstanding	5.42
Operating Cycle	472.54
Cash Conversion Cycle	453.85
Asset Turnover	0.24

Metric
Operating Cash Flow
Free Cash Flow
Cash Flow to Debt	0.87
Operating Cash Flow/Sales	0.23
Free Cash Flow Yield	1.07

Metric
Cash & Equivalents	48.07M
Accounts Receivable
Inventory	416.35K
Goodwill	4.64M
Debt to Capitalization	0.29
Debt to Assets	0.17
Current Ratio	4.86
Quick Ratio	2.54

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.90
R&D to Revenue
SG&A to Revenue	2.53