Oi Wah Pawnshop Credit Holdings Ltd. (1319) AI Stock Analysis

• Market Cap: HK$519.56M
• Dividend Yield: 6.7%
• Average Volume (3M): 597.34K
• Price to Earnings (P/E): 8.2
• Beta (1Y): 0.19
• Revenue Growth: -7.82%
• EPS Growth: -5.16%
• Country: HK
• Employees: 49
• Sector: Services
• Sector Strength: N/A
• Industry: Financial - Mortgages
• EPS (TTM): 0.02
• Shares Outstanding: 1,924,308,300
• 10 Day Avg. Volume: 259,600
• 30 Day Avg. Volume: 597,340
• PEG Ratio: -0.22
• Price to Book (P/B): 0.39
• Price to Sales (P/S): 2.48
• P/FCF Ratio: 2.89
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 75 Outperform
• Price Target: HK$0.50 ▲(85.19% Upside)

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

Cash Generation Ability

Strong cash generation ability enhances financial flexibility, allowing the company to invest in growth opportunities and weather economic downturns.

Balance Sheet Health

A strong balance sheet with low leverage reduces financial risk and supports long-term stability, enabling strategic investments and growth.

Profitability

High profitability margins indicate efficient operations and cost management, contributing to sustained earnings and competitive positioning.

Negative Factors

Revenue Growth Decline

Declining revenue growth can limit future earnings potential and market share expansion, challenging long-term competitive positioning.

Earnings Decline

A decline in earnings per share indicates potential challenges in maintaining profitability, which could impact investor confidence and reinvestment capacity.

Revenue Growth

Negative revenue growth suggests difficulties in expanding the customer base or product offerings, potentially affecting long-term business viability.

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 was founded in 1975 and is headquartered in Wan Chai, Hong Kong. Oi Wah Pawnshop Credit Holdings Limited is a subsidiary of Kwan Lik Holding Limited.

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. Additionally, the sale of unredeemed pawned items contributes to revenue, as these items can be sold at a profit once the loan period expires. The company may also engage in retail operations, selling various consumer goods which provide another revenue stream. Oi Wah's strategic partnerships with suppliers and local businesses may enhance its operational efficiency and customer reach, further contributing to its financial performance.

Oi Wah Pawnshop Credit Holdings Ltd. Financial Statement Overview

Summary

Oi Wah Pawnshop Credit Holdings Ltd. demonstrates a strong financial position with solid profitability and effective cash management. The company showcases stability in its income and balance sheet metrics, while cash flow statements highlight robust operational cash generation. This financial health positions the company well within the financial industry, though ongoing revenue growth could enhance future prospects.

Income Statement

The income statement reflects a stable revenue base with a consistent gross profit margin close to 100%, indicative of efficient cost management. The net profit margin has shown slight volatility but remains strong. Revenue growth in the latest period was modest, showing resilience in a competitive market.

Balance Sheet

The company maintains a robust balance sheet with a strong equity position and low leverage. The debt-to-equity ratio is favorable, and the return on equity indicates healthy profitability. The equity ratio underscores substantial shareholder investment in total assets, enhancing financial stability.

Cash Flow

Cash flow analysis indicates strong operational cash generation with positive free cash flow trends. The operating cash flow to net income ratio is healthy, reflecting effective cash management. The company has been consistent in maintaining positive free cash flow, contributing to financial flexibility.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	168.75M	176.02M	160.99M	159.01M	141.61M	166.93M
Gross Profit	0.00	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	66.88M	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

• Technical Analysis Sentiment: Positive
• Last Price: 0.27
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1319, the sentiment is Positive. The current price of 0.27 is below the 20-day moving average (MA) of 0.27, above the 50-day MA of 0.27, and above the 200-day MA of 0.22, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 56.31 is Neutral, neither overbought nor oversold. The STOCH value of 50.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:1319.

Oi Wah Pawnshop Credit Holdings Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
1319	75 Outperform	HK$519.56M	8.16	―	6.70%	-7.82%	-5.16%
1273	74 Outperform	HK$249.00M	5.07	5.75%	4.19%	-10.91%	5.91%
1669	71 Outperform	HK$364.00M	7.68	5.24%	5.43%	-1.47%	2.86%
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%
0397	46 Neutral	HK$102.69M	-0.69	-14.21%	―	-2.07%	-114.10%
0139	42 Neutral	HK$235.88M	-1.42	-16.07%	―	110.52%	2.14%

Oi Wah Pawnshop Credit Holdings Ltd. Corporate Events

Oi Wah Pawnshop Extends HK$55 Million Secured Loan in Discloseable Transaction

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 high-value residential and commercial properties and car parking spaces across several prime Hong Kong districts, as well as a personal guarantee. The transaction meets the criteria of a discloseable transaction under Hong Kong listing rules, underscoring the group’s continued deployment of capital into secured lending and highlighting the importance of property-backed financing as a driver of its lending business and potential revenue growth, while signaling to investors the scale and risk-managed nature of its loan book expansion.

The most recent analyst rating on (HK:1319) stock is a Buy with a HK$0.50 price target. To see the full list of analyst forecasts on Oi Wah Pawnshop Credit Holdings Ltd. stock, see the HK:1319 Stock Forecast page.

Oi Wah Pawnshop Credit Holdings Announces Board Changes

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 brings over 30 years of experience in compliance and operational management within the financial services sector. Her appointment, effective December 1, 2025, is expected to strengthen the company’s regulatory compliance and operational oversight, potentially enhancing its market position and stakeholder confidence.

The most recent analyst rating on (HK:1319) stock is a Buy with a HK$0.50 price target. To see the full list of analyst forecasts on Oi Wah Pawnshop Credit Holdings Ltd. stock, see the HK:1319 Stock Forecast page.

Oi Wah Pawnshop Reports Increased Profitability Despite Revenue Dip

Oi Wah Pawnshop Credit Holdings Ltd. announced its unaudited interim results for the six months ending August 31, 2025, reporting a 5.7% decrease in revenue compared to the previous year. Despite the revenue decline, the company achieved a 24.3% increase in profit before taxation and a 25.7% rise in profit attributable to shareholders, indicating improved operational efficiency and profitability. The announcement also highlighted a strong net profit margin of 46.8%, underscoring the company’s robust financial performance and strategic focus on maintaining profitability amidst a challenging market environment.

The most recent analyst rating on (HK:1319) stock is a Buy with a HK$0.50 price target. To see the full list of analyst forecasts on Oi Wah Pawnshop Credit Holdings Ltd. stock, see the HK:1319 Stock Forecast page.

Oi Wah Pawnshop Credit Announces Interim Dividend

Oi Wah Pawnshop Credit Holdings Ltd. has announced an interim cash dividend of HKD 0.01 per share for the six months ended 31 August 2025, with the payment date set for 28 November 2025. This announcement reflects the company’s ongoing financial strategy and may impact shareholder returns and market positioning in the financial services sector.

The most recent analyst rating on (HK:1319) stock is a Buy with a HK$0.50 price target. To see the full list of analyst forecasts on Oi Wah Pawnshop Credit Holdings Ltd. stock, see the HK:1319 Stock Forecast page.

Oi Wah Pawnshop Credit Extends Loan Maturity and Adjusts Interest Rate

Oi Wah Pawnshop Credit Holdings Ltd. announced a second supplemental agreement with Customer A, extending the maturity date of Loan A to February 2026 and adjusting the interest rate to the higher of either the aggregate of 1-month HIBOR plus 11% or 14% per annum. This strategic adjustment is expected to enhance cash inflow and revenue through increased interest income, aligning with market interest rates and benefiting the company and its shareholders.

The most recent analyst rating on (HK:1319) stock is a Buy with a HK$0.50 price target. To see the full list of analyst forecasts on Oi Wah Pawnshop Credit Holdings Ltd. stock, see the HK:1319 Stock Forecast page.