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Cashway Technology Co Ltd (603106) Fair Value & Analysis

Industrials · CN · Market cap 4.7B CNY (≈ $703M) · ISIN CNE100002VP5

What is Cashway Technology Co Ltd really worth?

CT Cashway Technology Co Ltd 603106 · SHG
Price¥8.08
Fair Value¥1.68
Upside−79.2%
Quality54/100

A solid business, but trading 381% above our fair value of ¥1.68.

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Risks

!Weak Growth (revenue 5y −17.0 %/yr)
!Thin margins · 8.8% net margin
!negative free cash flow
!Trails peers (1/12)
!Narrow moat 29/100
!Weak on past: 9 out of 100
!Weak on dividend: 5 out of 100

For context

·0.25% dividend yield
Evidence: High Range ¥1.26 – ¥2.02

Fair value as of: Aug 21, 2026

From 15 valuation models · updated 15 days ago

Share price −11.5% over the past month.

What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

What matters now

  • The price sits above even our optimistic bull case (¥2.02). The favourable scenario is already priced in.
  • Solid but not exceptional quality (54/100) and above fair value, neither a clear bargain nor a standout compounder.

Price vs Fair Value (5 years)

¥13.49 ¥3.83 Fair Value ¥1.68 Mar 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 21, 2026.

How to read this chart

60‑month range ¥3.83 – ¥13.49 · fair‑value band ¥1.26 – ¥2.02 · the ¥8.08 price screens above the ¥1.68 fair value. Dashed = 300-day average. As of Aug 21, 2026.

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Analysis

Cashway Technology Co Ltd (603106) currently trades at ¥8.08, while our model-based Fair Value estimate is ¥1.68, implying the stock looks roughly 381.0% overvalued today. The Quality Score stands at 54/100 (solid quality), in the Industrials sector. Bull case: the DCF Models group reads highest at a median of ¥2.35 per share, and 0 of the 15 models we run sit above the ¥8.08 price. Bear case: the Dividend Discount group reads lowest at ¥0.2900, and 15 of the 15 models stay below the price. Evidence for this calculation is high.

Over the trailing twelve months, Cashway Technology Co Ltd generated revenue of 326M CNY at a net margin of 8.8%. Revenue declined 39.8% year over year. It earns a return on equity of 2.2%. The balance sheet holds a net cash position of 816M CNY. Fundamentals as of Aug 21, 2026

Our scenario range runs from ¥1.26 (bear case) to ¥2.02 (bull case); at ¥8.08, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 42% below its 52-week high and 18% above its 52-week low, currently below its 200-day average. For context, the median of 10 Industrials peers we cover trades at −33% fair-value upside, at −79%, 603106 screens richer than that median.

Fair Value models

This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly ¥0.0272 per share, which is 1.6 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.

Note: the current price implies far more future growth than the conservative anchors of our models allow (base growth is deliberately capped, we do not regard such extreme rates as sustainable). Our models are not designed for expectations this high; that is why the individual models scatter extremely (¥0.2900 to ¥3.36). Read the values as a conservative anchor, not as a price target.
Model Bear Bear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull Bull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
Residual Income ¥1.78 ¥1.71 ¥1.36 76
Owner Earnings ¥2.09 ¥2.35 ¥2.81 75
EPV ¥1.99 ¥2.09 ¥2.17 70
All 15 models by family
DCF Models
Owner Earnings ¥2.09 ¥2.35 ¥2.81 75
Earnings-Based
Graham-Dodd ¥0.4100 ¥0.5000 ¥0.5600 67
EPV ¥1.99 ¥2.09 ¥2.17 70
Dividend Discount
Gordon GGM ¥0.2600 ¥0.2900 ¥0.3200 69
DDM Multi-Stage ¥0.2600 ¥0.3300 ¥0.4100 67
Multiples
P/E Multiple ¥1.26 ¥1.68 ¥2.10 63
P/S Multiple ¥0.7600 ¥1.02 ¥1.27 58
P/B Multiple ¥0.7600 ¥1.02 ¥1.27 55
EV/EBIT ¥2.72 ¥3.16 ¥3.61 63
EV/EBITDA ¥2.87 ¥3.36 ¥3.85 64
EV/Revenue ¥2.06 ¥2.35 ¥2.64 52
Asset-Based
NCAV (Graham) ¥1.27 ¥1.70 ¥2.54 51
Economic Profit
Residual Income ¥1.78 ¥1.71 ¥1.36 76
ROIC Compounder ¥1.99 ¥2.09 ¥2.17 70
Growth Earnings
Growth-Adj P/E ¥0.8800 ¥1.26 ¥1.63 67

Widest divergence: DCF Models (¥2.35) versus Dividend Discount (¥0.2900). Highest evidence: Residual Income (76).

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Key figures & financial health

P/E ratio 134.7
P/S ratio 11.6 P/E × margin
EPS (TTM) ¥0.0600 price ÷ EPS = P/E 134.7
Dividend yield 0.2% payout 33.3%
Net margin 8.6% FY2025
Return on equity 2.2% TTM
More key figures
Profitability
Return on assets (EBIT) −3.2% avg 5y
Operating margin −0.2% TTM
Growth
Revenue (TTM) 326M CNY TTM
Revenue growth (YoY) −39.8% 3y avg −14.7%
Balance sheet & cash flow
Free cash flow −28.8M CNY FY2025
Net cash 816M CNY FY2024

Figures from reported company fundamentals · as of Aug 21, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 54/100

Of which business quality 52 · Market factors (momentum, volatility) 34

Profitability 22
Margins and returns on capital today
Quality Growth 56
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 100
Balance sheet, leverage, solvency risk
Investment 99
Disciplined investing over empire-building
Low Volatility 55
Calm price path (market factor)
Momentum 33
Price trend over the last 3–12 months (market factor)
52W Momentum 12
Distance to the 52-week high (market factor)
Net Issuance 64
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.

About the company

Cashway Fintech Co.,Ltd. provides financial electronic products and solutions in China and internationally. The company engages in the research and development, manufacture, marketing, operation, and monitoring of banking self-service equipment.

Full company description

Cashway Fintech Co.,Ltd. provides financial electronic products and solutions in China and internationally. The company engages in the research and development, manufacture, marketing, operation, and monitoring of banking self-service equipment. It also offers automated teller machine, cash recycling and depositing machine, teller cash recycler, and currency exchange machine; smart and video teller machine, portable card issuer, queuing and card printing machine, and smart locker; and single and double screen, poster machine, and smart white board. In addition, the company offers currency sorter, cash disinfection cabinet, and smart table; software solutions, including branch intelligence, CIS multivendor terminal, end to end solutions, and cloud platform; OEM modules; and intelligent transportation, hospital, and retail solutions. The company was founded in 2004 and is based in Tianjin, China.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Cashway Technology Co Ltd reported revenue of 363M CNY in FY2025 versus 715M CNY in FY2021, a compound −15.6%/yr. Reported net income was 31.2M CNY in FY2025, compounding +13.1%/yr from FY2021.

Growth Quality 14/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2025)
363M CNY
Latest YoY
−17.0%
Avg. revenue growth/yr (3Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
−14.7%
Avg. revenue growth/yr (5Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
−17.0%
Avg. revenue growth/yr (12Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
−2.8%
Value creation/yr (5Y) Earnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year.
+3.9% (3.7 + 0.2)
Revenue −15.6%/yr
FY21 715M CNY
FY22 585M CNY
FY23 427M CNY
FY24 437M CNY
FY25 363M CNY
Net income +13.1%/yr
FY21 19.0M CNY
FY22 −152M CNY
FY23 −208M CNY
FY24 40.1M CNY
FY25 31.2M CNY

603106 screens 381% overvalued. Compare with GRG Banking Equipment Co →

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Cite: Fair Value Calculator (2026). "Cashway Technology Co Ltd Fair Value". https://www.fairvalue-calculator.com/stock/603106

Peer Group

Business Equipment & Supplies · 74 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 54 · Below median
Fair Value upside −79% · Bottom 25%
Return on equity (TTM) 2% · Below median
Return on assets 1% · Below median
Net margin (TTM) 9% · Top 25%
Operating margin (TTM) 0% · Below median
Revenue growth −40% · Bottom 25%
Dividend yield (TTM) 0.2% · Bottom 25%

Valuation Multiples vs Business Equipment & Supplies median · lower = cheaper

P/E (TTM) 134.7× · Pricier than 75% of peers
P/B 3.56× · Pricier than 75% of peers
P/S (TTM) 14.44× · Pricier than 75% of peers
EV/EBITDA 92.4× · Pricier than 75% of peers

Strength profile in five axes (Snowflake)

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE0 · sector 31
FUTURE0 · sector 19
PAST9 · sector 19
HEALTH0 · sector 98
DIVIDEND5 · sector 52

VALUE 0: the price sits above our fair-value range.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Business Equipment & Supplies stocks, each showing price versus our Fair Value estimate (as of Aug 21, 2026).

Stock Price Fair Value vs Fair Value
GRG Banking Equipment Co 002152 ¥9.85 ¥9.65 −2%
Shanghai M&G Stationery Inc 603899 ¥22.25 ¥30.05 +35%
XGD Inc 300130 ¥17.93 ¥19.69 +10%
DOMS Industries Limited DOMS ₹2,215 ₹782.96 −65%
Hengbao Co 002104 ¥11.82 ¥2.09 −82%
Shaanxi Fenghuo Electronics Co 000561 ¥7.72 ¥1.75 −77%
Shenzhen Comix Group 002301 ¥7.99 ¥3.01 −62%
Shandong New Beiyang Information Technology Co 002376 ¥6.75 ¥2.10 −69%
Qingdao Hiron Commercial Cold Chain Co 603187 ¥11.00 ¥21.12 +92%
F.I.L.A. - Fabbrica Italiana Lapis ed Affini S.p.A FILA €10.70 €7.14 −33%

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Frequently asked questions

Is Cashway Technology Co Ltd (603106) overvalued or undervalued?
As of Aug 21, 2026, our model estimates a fair value of ¥1.68 versus a price of ¥8.08, about −79% upside (overvalued).
What is the fair value of 603106?
Our model-based fair value for Cashway Technology Co Ltd is ¥1.68 (as of Aug 21, 2026), built from audited fundamentals. The current price: ¥8.08.
What is the quality score of 603106?
Cashway Technology Co Ltd has a Quality Score of 54/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of Cashway Technology Co Ltd (603106)?
Cashway Technology Co Ltd reported trailing-twelve-month revenue of about 326M CNY (latest available figure, as of Aug 21, 2026).
What is the net profit margin of 603106?
The net profit margin of Cashway Technology Co Ltd is about 8.8%, meaning it keeps roughly 8.8% of revenue as net income. Based on the latest reported figures.
Does Cashway Technology Co Ltd pay a dividend?
Cashway Technology Co Ltd currently shows a dividend yield of about 0.25% relative to its recent price (as of Aug 21, 2026).
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