OneConnect Financial Technology Co., Ltd.(OCFT)Earnings, Financials & Key Ratios
OCFT•NYSE
$7.89
Price updated Jun 20, 2026
AboutOneConnect 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. It offers digital retail banking, digital commercial banking, digital auto insurance and life insurance, and artificial intelligence customer services, as well as sales management, risk management, and operation support services. The company also operates gamma core banking system, a customer centric solution; digitalized management platform that offers digital infrastructure for financial institutions to manage various aspects of their business, including data, smart operation, comprehensive risk, and asset and liability management, as well as accounting, personnel, and office management; Gamma FinCloud, an open PaaS and IaaS platform for ready-to-integrate financial technology components; and Blockchain network-as-a-service. In addition, it operates Regtech, an end-to-end regulatory solution to help regulatory authorities automate and digitalize their operations; and offers asset management and consulting services. The company serves customers in the financial services industry, including banking, insurance, and other financial institutions. It has a strategic agreement with the Hainan Local Financial Supervision Administration to develop smart financial and smart supervision services in the island province of Hainan, as well as the financial sector in Hainan free trade port. OneConnect Financial Technology Co., Ltd. was founded in 2015 and is headquartered in Shenzhen, the People's Republic of China.Show more
- Revenue$2.25B-38.7%
- EBITDA-$204M-22.2%
- Net Income-$460M-26.7%
- EPS (Diluted)-12.60-27.3%
- Gross Margin35.79%-2.7%
- EBITDA Margin-9.07%-99.3%
- Operating Margin-13.5%-34.5%
- Net Margin-20.45%-106.7%
- ROE-16.86%-44.7%
OCFT Price & Volume
OneConnect Financial Technology Co., Ltd. (OCFT) stock price & volume — 10-year historical chart
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Persistent Revenue Contraction Signals Structural Operational Decay
Investment Thesis • Updated 2025Q2
VerdictNegative
Growth:Contracting
Profitability:Negative
Financial:Healthy
Cash Flow:Burning
Primary Risk:Structural Revenue Decay
Key Thesis Takeaways
- OneConnect Financial Technology faces a challenging outlook characterized by a 37.4% year-over-year revenue decline in 2025Q2 and a persistent inability to achieve positive operating margins, which stood at -11.4% for the same period.
- The company's future visibility is severely constrained by a collapse in deferred revenue from $2.4 billion in 2023Q4 to $131.6 million in 2025Q2, suggesting a fundamental breakdown in its business pipeline.
- While the firm maintains a low debt-to-equity ratio of 0.01, the rapid depletion of cash reserves from $1.9 billion in 2024Q4 to $385 million in 2025Q2 warrants significant caution regarding long-term solvency.
Verdict Logic
the company's inability to generate positive free cash flow, combined with a 37.4% revenue decline and a rapid cash burn that reduced reserves to $385 million, suggests a high risk of continued value erosion.
OCFT Growth Metrics
OneConnect Financial Technology Co., Ltd. (OCFT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-0.69%
3 Years-18.37%
TTM-48.7%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-1937.51%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-177.16%
Return on Capital
10 Years-96.04%
5 Years-20.82%
3 Years-16.07%
Last Year-10.99%
OCFT Recent Earnings
OneConnect Financial Technology Co., Ltd. (OCFT) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 2/12 qtrs (50%)●Beat Revenue 1/12 qtrs (25%)
Q4 2025Latest
Nov 20, 2025Metric
Actual
Est
EPS
$0.11
—
Rev
—
—
Q3 2025
Aug 21, 2025Metric
Actual
Est
EPS
$0.15
—
Rev
$60M
—
Q2 2025
May 28, 2025Metric
Actual
Est
EPS
$0.15
—
Rev
$51M
—
Q2 2025
Apr 24, 2025Metric
Actual
Est
EPS
$0.07
—
Rev
$57M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q4 2025Latest | Nov 20, 2025 | $0.11 | — |
| Q3 2025 | Aug 21, 2025 | $0.15 | $60M |
| Q2 2025 | May 28, 2025 | $0.15 | $51M |
| Q2 2025 | Apr 24, 2025 | $0.07 | $57M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for OneConnect Financial Technology Co., Ltd. (OCFT)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $7.89 | $307.7M | -0.63 | -38.7% | -20.45% | -16.86% | — | |
| $4.52 | $838.08M | 4.91 | 56.74% | 24.18% | 17.64% | — | |
| $94.03 | $13.12B | 9.21 | 67.83% | 44.27% | 26.38% | — | |
| $4.79 | $3.67B | -2.82 | -15.18% | -35.25% | -163.25% | — | |
| $18.06 | $1.98B | 361.20 | 10.01% | 2.17% | 1.27% | — | |
| $1300.27 | $30.15B | 48.99 | 15.91% | 33.67% | — | — |
Compare OCFT vs Peers
OneConnect Financial Technology Co., Ltd. (OCFT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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OCFT Frequently Asked Questions
OneConnect Financial Technology Co., Ltd. (OCFT) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is OneConnect Financial Technology Co., Ltd.'s revenue?
OneConnect Financial Technology Co., Ltd. (OCFT) reported $1.63B in revenue for fiscal year 2024. This represents a 181% increase from $581.9M in 2017.
How fast is OneConnect Financial Technology Co., Ltd. growing?
OneConnect Financial Technology Co., Ltd. (OCFT) saw revenue decline by 38.7% over the past year.
Is OCFT profitable?
OneConnect Financial Technology Co., Ltd. (OCFT) reported a net loss of $677.2M for fiscal year 2024.
Dividend & Returns
What is OCFT's return on equity?
OneConnect Financial Technology Co., Ltd. (OCFT) has a return on equity (ROE) of -16.9%. Negative ROE indicates the company is unprofitable.
What is OneConnect Financial Technology Co., Ltd.'s free cash flow?
OneConnect Financial Technology Co., Ltd. (OCFT) had negative free cash flow of $192.2M in fiscal year 2024, likely due to heavy capital investments.