Oi Wah Pawnshop Credit Holdings Ltd. (HK:1319)
:1319
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Oi Wah Pawnshop Credit Holdings Ltd.
(1319)
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Rating:75Outperform
Price Target:
HK$0.34
▲(27.04% Upside)
Action:Reiterated
Date:11/13/25
Oi Wah Pawnshop Credit Holdings Ltd. scores well due to its strong financial performance and positive technical indicators. The company's robust balance sheet and effective cash management contribute significantly to its stability. While the stock shows bullish momentum, caution is advised due to overbought technical signals. The valuation is reasonable, with a solid dividend yield adding to its attractiveness.
Positive Factors
Strong balance sheet
Low leverage and a strong equity ratio provide durable financial flexibility for a lending franchise. This reduces refinancing risk, supports continued lending through cycles, and preserves capital to absorb loan losses or fund branch-level growth without stressing liquidity.
Negative Factors
Declining revenue trend
Negative revenue growth signals falling loan origination or turnover, which can persistently pressure interest income and fee revenue. For a business reliant on origination volumes, continued declines reduce scale, weaken margin leverage, and limit ability to fund branch costs or expand services.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong balance sheet
Low leverage and a strong equity ratio provide durable financial flexibility for a lending franchise. This reduces refinancing risk, supports continued lending through cycles, and preserves capital to absorb loan losses or fund branch-level growth without stressing liquidity.
Read all positive factors
Oi Wah Pawnshop Credit Holdings Ltd. (1319) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$577.29M
Dividend Yield6.7%
Average Volume (3M)597.34K
Price to Earnings (P/E)7.0
Beta (1Y)0.20
Revenue Growth-0.24%
EPS Growth47.93%
CountryHK
Employees49
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)0.03
Shares Outstanding1,924,308,300
10 Day Avg. Volume259,600
30 Day Avg. Volume597,340
Financial Highlights & Ratios
PEG Ratio-0.22
Price to Book (P/B)0.39
Price to Sales (P/S)2.48
P/FCF Ratio2.89
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Oi Wah Pawnshop Credit Holdings Ltd. Business Overview & Revenue Model
Company Description
Oi Wah Pawnshop Credit Holdings Limited, an investment holding company, engages in the provision of secured financing services in Hong Kong. It offers pawn and mortgage loans, and money lending services, as well as consulting services. The company...
How the Company Makes Money
Oi Wah Pawnshop generates revenue primarily through interest income from pawnbroking services. When customers pawn their items, they receive loans that typically carry a high-interest rate, which is a significant source of earnings for the company...
Oi Wah Pawnshop Credit Holdings Ltd. Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
80
Positive
Cash Flow
85
Very Positive
| Breakdown | TTM | Feb 2025 | Feb 2024 | Feb 2023 | Feb 2022 | Feb 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 153.89M | 176.02M | 160.99M | 159.01M | 141.61M | 166.93M |
| Gross Profit | 71.02M | 172.10M | 160.99M | 159.01M | 141.61M | 166.93M |
| EBITDA | 86.97M | 73.21M | 121.15M | 122.78M | 107.65M | 141.54M |
| Net Income | 63.75M | 55.91M | 86.45M | 86.11M | 71.67M | 93.14M |
Balance Sheet | ||||||
| Total Assets | 1.20B | 1.18B | 1.19B | 1.15B | 1.16B | 1.22B |
| Cash, Cash Equivalents and Short-Term Investments | 298.38M | 220.76M | 170.60M | 169.69M | 206.77M | 245.30M |
| Total Debt | 77.52M | 70.66M | 97.48M | 111.07M | 168.39M | 262.17M |
| Total Liabilities | 73.67M | 75.04M | 109.02M | 123.53M | 172.90M | 270.64M |
| Stockholders Equity | 1.13B | 1.11B | 1.08B | 1.03B | 982.91M | 948.85M |
Cash Flow | ||||||
| Free Cash Flow | 154.31M | 151.09M | 70.29M | 71.87M | 122.67M | 471.61M |
| Operating Cash Flow | 154.80M | 151.77M | 72.08M | 73.10M | 123.48M | 471.66M |
| Investing Cash Flow | -1.33M | -31.58M | 45.00K | -9.30M | -750.00K | -45.00K |
| Financing Cash Flow | -48.09M | -75.13M | -63.91M | -108.04M | -161.41M | -282.04M |
Oi Wah Pawnshop Credit Holdings Ltd. Technical Analysis
Neutral
0.27
Price Trends
0.29
Positive
0.28
Positive
0.26
Positive
Market Momentum
<0.01
Positive
46.66
Neutral
>-0.01
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1319, the sentiment is Neutral. The current price of 0.27 is below the 20-day moving average (MA) of 0.30, below the 50-day MA of 0.29, and above the 200-day MA of 0.26, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 46.66 is Neutral, neither overbought nor oversold. The STOCH value of >-0.01 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for HK:1319.
Oi Wah Pawnshop Credit Holdings Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | HK$249.00M | 5.07 | 5.69% | 4.19% | -10.91% | 5.91% | |
75 Outperform | HK$577.29M | 6.98 | ― | 6.70% | -0.24% | 47.93% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
55 Neutral | HK$588.78M | 10.03 | 2.76% | 5.45% | 9.66% | 3.98% | |
42 Neutral | HK$163.85M | -4.20 | -14.47% | ― | 13.08% | -11.55% |
* General Sector Average
HK:1319
Oi Wah Pawnshop Credit Holdings Ltd.
0.30
0.12
63.04%
HK:0510
CASH Financial Services Group
0.38
0.18
89.05%
HK:1273
Hong Kong Finance Group Ltd.
0.60
0.24
66.67%
HK:1290
China Huirong Financial Holdings Ltd.
0.54
-0.08
-13.46%
Oi Wah Pawnshop Credit Holdings Ltd. Corporate Events
Oi Wah Renews Connected Tenancy Deals for Hong Kong Retail Premises
Jan 28, 2026
Oi Wah Pawnshop Credit Holdings Ltd. has renewed and continued a series of tenancy agreements between its wholly owned subsidiaries and landlord entities connected to its controlling family trusts, including a new one-year lease for a Shatin retai...
Oi Wah Pawnshop Extends HK$55 Million Secured Loan in Discloseable Transaction
Jan 2, 2026
Oi Wah Pawnshop Credit Holdings Ltd., through its subsidiary Oi Wah CL, has entered into a loan agreement to provide a HK$55 million secured loan for 12 months at an annual interest rate of 10%, backed by first legal charges over a portfolio of hi...
Oi Wah Pawnshop Credit Holdings Announces Board Changes
Dec 1, 2025
Oi Wah Pawnshop Credit Holdings Ltd. announced a change in its board of directors, with Mr. Ng Siu Hong resigning as a non-executive director effective November 30, 2025, to focus on personal commitments. He is succeeded by Ms. Mak Siu Yee, who br...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.