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Oi Wah Pawnshop Credit Holdings Ltd.
(Stuttgart:1319)
Oi Wah Pawnshop Credit Holdings Ltd. (1319) vs. iShares MSCI Hong Kong ETF (EWH)
Oi Wah Pawnshop Credit Holdings Ltd. Business Overview & Revenue Model
Oi Wah Pawnshop Credit Holdings Ltd. Financial Statement Overview
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 146.57M | 176.02M | 160.99M | 159.01M | 141.61M | 166.93M |
| Gross Profit | 91.01M | 172.10M | 160.99M | 159.01M | 141.61M | 166.93M |
| EBITDA | 79.25M | 73.21M | 121.15M | 122.78M | 107.65M | 141.54M |
| Net Income | 55.91M | 55.91M | 86.45M | 86.11M | 71.67M | 93.14M |
Balance Sheet | ||||||
| Total Assets | 1.18B | 1.18B | 1.19B | 1.15B | 1.16B | 1.22B |
| Cash, Cash Equivalents and Short-Term Investments | 220.76M | 220.76M | 170.60M | 169.69M | 206.77M | 245.30M |
| Total Debt | 70.66M | 70.66M | 97.48M | 111.07M | 168.39M | 262.17M |
| Total Liabilities | 75.04M | 75.04M | 109.02M | 123.53M | 172.90M | 270.64M |
| Stockholders Equity | 1.11B | 1.11B | 1.08B | 1.03B | 982.91M | 948.85M |
Cash Flow | ||||||
| Free Cash Flow | 155.02M | 151.09M | 70.29M | 71.87M | 122.67M | 471.61M |
| Operating Cash Flow | 155.69M | 151.77M | 72.08M | 73.10M | 123.48M | 471.66M |
| Investing Cash Flow | -38.86M | -31.58M | 45.00K | -9.30M | -750.00K | -45.00K |
| Financing Cash Flow | -71.78M | -75.13M | -63.91M | -108.04M | -161.41M | -282.04M |
Oi Wah Pawnshop Credit Holdings Ltd. Technical Analysis
Oi Wah Pawnshop Credit Holdings Ltd. Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | HK$219.95M | 4.76 | 5.42% | 4.91% | -1.58% | 8.16% | |
74 Outperform | HK$360.00M | 7.35 | ― | 5.13% | -1.47% | 2.86% | |
71 Outperform | €467.61M | 8.38 | ― | 5.97% | -5.52% | -35.27% | |
45 Neutral | HK$107.25M | -0.70 | ― | ― | -2.07% | -114.10% | |
37 Underperform | HK$286.66M | -2.04 | -11.34% | ― | 110.52% | 2.14% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
Oi Wah Pawnshop Credit Holdings Ltd. Corporate Events
Oi Wah Pawnshop Credit Holdings Ltd. announced that all resolutions proposed at their Annual General Meeting (AGM) held on July 31, 2025, were passed by shareholders via a poll. The resolutions included approving financial statements, re-electing directors, declaring a final dividend, re-appointing auditors, and granting mandates related to shares. The successful passage of these resolutions indicates strong shareholder support and positions the company for continued operational stability and strategic flexibility.
Oi Wah Pawnshop Credit Holdings Ltd. announced a discloseable transaction involving the provision of financial assistance through a loan agreement entered on June 27, 2025. The company will lend HK$20,920,000 to customers for 12 months, secured by a residential property and car parking space in Kowloon Tong, Hong Kong. This transaction, exceeding certain percentage ratios under the Listing Rules, requires notification and announcement. The loan will be funded by the company’s general working capital, potentially impacting its liquidity and financial operations.
Oi Wah Pawnshop Credit Holdings Ltd. has announced its annual general meeting scheduled for July 31, 2025, where key agenda items include the approval of financial statements, re-election of directors, and declaration of a final dividend. The meeting will also consider resolutions to authorize the board to issue additional shares, reflecting the company’s strategic focus on maintaining financial flexibility and shareholder value. This announcement underscores the company’s commitment to governance and operational transparency, potentially impacting its market positioning and stakeholder relations positively.
Oi Wah Pawnshop Credit Holdings Ltd. has announced a discloseable transaction involving the provision of a HK$10,000,000 loan to a customer, secured by a property in Yuen Long. The transaction, which includes a 13% annual interest rate and a 12-month term, is subject to the Hong Kong Stock Exchange’s notification and announcement requirements due to its aggregated percentage ratios exceeding 5% but remaining below 25%. This move reflects the company’s ongoing strategy to expand its financial assistance offerings while adhering to regulatory requirements.
Oi Wah Pawnshop Credit Holdings Ltd. announced a discloseable transaction involving a loan agreement with a customer, where Oi Wah CL will provide a HK$28 million loan for 12 months at an interest rate of 13.5% per annum. The loan is secured by a commercial property in Central, Hong Kong, valued at approximately HK$74.48 million, and is subject to the listing rules of the Hong Kong Stock Exchange, highlighting the company’s active role in secured lending and its compliance with regulatory requirements.
Oi Wah Pawnshop Credit Holdings Ltd. announced the renewal of tenancy agreements for several properties with Kwan Chart Holding, Chart Man Investments, and Kwan Chart Estate. These agreements, considered continuing connected transactions, are subject to certain reporting and review requirements under Hong Kong’s Listing Rules due to their aggregated value exceeding 5% of applicable percentage ratios. This move ensures the company’s operational continuity in its existing locations, potentially impacting its financial operations and stakeholder relations.
Oi Wah Pawnshop Credit Holdings Ltd. has announced a discloseable transaction involving the provision of financial assistance through loan agreements with a total principal amount of HK$67,000,000. These loans, which are subject to certain listing rules due to their size, are aimed at renewing existing agreements and are secured by property in Fanling. This move is expected to impact the company’s financial operations and compliance with the Stock Exchange of Hong Kong’s regulations.
Oi Wah Pawnshop Credit Holdings Ltd. announced its annual results for the year ended 28 February 2025, reporting a decrease in revenue and profit before taxation by 8.4% and 37.3% respectively compared to the previous year. Despite the decline in financial performance, the company maintained a stable net interest margin and proposed a slight increase in the final dividend, reflecting its commitment to shareholder returns.
Oi Wah Pawnshop Credit Holdings Ltd. has announced a final ordinary dividend of HKD 0.0081 per share for the financial year ending 28 February 2025. The dividend will be paid on 21 August 2025, following shareholder approval on 31 July 2025. This announcement reflects the company’s continued commitment to returning value to its shareholders and may influence investor perceptions positively.
Oi Wah Pawnshop Credit Holdings Ltd. has announced the provision of financial assistance through loan agreements totaling HK$33,500,000 to customers. This transaction is considered discloseable under the Hong Kong Stock Exchange’s Listing Rules due to its size, requiring public notification. The loans are secured by commercial properties and involve multiple parties, including guarantors and mortgagors, indicating a strategic move to expand its lending operations.
Oi Wah Pawnshop Credit Holdings Ltd. has issued a profit warning, indicating an expected decrease in profit by 30% to 50% for the year ending February 2025 compared to the previous year. This decline is attributed to an increase in credit loss provisions due to falling property prices, impacting the company’s financial performance and potentially affecting investor confidence.
Oi Wah Pawnshop Credit Holdings Ltd. has announced a board meeting scheduled for May 27, 2025, to consider and approve the audited results for the fiscal year ending February 28, 2025. The board will also discuss the recommendation of a final dividend, which could impact shareholder returns and reflect the company’s financial health.
Oi Wah Pawnshop Credit Holdings Ltd. announced a discloseable transaction involving the provision of financial assistance through two loans. The company extended a HK$22,000,000 loan to Customer A and entered into a supplemental agreement to extend the repayment date. Additionally, a separate loan was granted to Customer B, and due to the association between the customers and timing of the agreements, the transactions were aggregated under listing rules. This aggregation results in a discloseable transaction, subject to notification and announcement requirements, potentially impacting the company’s financial operations and regulatory obligations.