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Public Financial Holdings (0626) AI Stock Analysis
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Public Financial Holdings
(HKEX:0626)
The score is mainly constrained by uneven financial performance—volatile earnings and unpredictable cash flow—despite a relatively stable balance sheet. Technicals are supportive with the stock trading above major moving averages, but overbought momentum signals add near-term risk. Valuation is middling, with a higher P/E partially offset by a ~3.1% dividend yield.
Public Financial Holdings (0626) vs. iShares MSCI Hong Kong ETF (EWH)
- Market Cap
- HKD 2.54B
- Dividend Yield
- 2.94%
- Average Volume (3M)
- 2.08M
- Price to Earnings (P/E)
- 24.5
- Beta (1Y)
- 0.12
- Revenue Growth
- -6.77%
- EPS Growth
- ―
- Country
- Hong Kong
- Employees
- 1,305
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Public Financial Holdings Business Overview & Revenue Model
Company Description
Public Financial Holdings Limited, formerly JCG Holdings Limited, functions as an investment and property holding firm that delivers a comprehensive array of banking and financial services across Hong Kong and Mainland China. Its operations are strat...
Public Financial Holdings Financial Statement Overview
Summary
Balance sheet stability and moderate leverage support the score, but overall performance is held back by volatile profitability (large 2024 loss followed by only a modest 2025 recovery) and inconsistent cash generation with sharp year-to-year reversals.
Income Statement
52NeutralBalance Sheet
68PositiveCash Flow
45Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.04B | 2.06B | 2.25B | 914.18M | 1.72B | 1.68B |
| Gross Profit | 1.08B | 995.08M | 1.18B | 1.21B | 1.37B | 1.51B |
| EBITDA | 243.14M | 223.09M | 396.88M | 144.21M | 515.98M | 692.39M |
| Net Income | 102.28M | 79.65M | -999.39M | 14.38M | 328.70M | 496.46M |
Balance Sheet | ||||||
| Total Assets | 44.67B | 43.10B | 42.84B | 40.95B | 41.92B | 43.53B |
| Cash, Cash Equivalents and Short-Term Investments | 4.75B | 167.66M | 7.86B | 4.70B | 5.23B | 6.61B |
| Total Debt | 1.93B | 2.06B | 1.72B | 1.71B | 1.66B | 1.72B |
| Total Liabilities | 36.90B | 35.34B | 35.14B | 32.28B | 33.27B | 34.96B |
| Stockholders Equity | 7.78B | 7.76B | 7.70B | 8.68B | 8.64B | 8.57B |
Cash Flow | ||||||
| Free Cash Flow | 155.96M | 220.80M | 5.68B | 963.02M | -484.06M | -765.04M |
| Operating Cash Flow | 369.57M | 373.40M | 5.74B | 1.02B | -375.05M | -735.56M |
| Investing Cash Flow | -481.05M | -3.59B | -133.87M | -66.38M | -184.36M | -29.24M |
| Financing Cash Flow | 896.06M | 348.13M | -47.03M | -1.09B | -304.81M | -243.38M |
Public Financial Holdings Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:0626, the sentiment is Positive. The current price of 2.31 is above the 20-day moving average (MA) of 2.21, above the 50-day MA of 2.02, and above the 200-day MA of 1.58, indicating a bullish trend. The MACD of 0.07 indicates Positive momentum. The RSI at 84.20 is Negative, neither overbought nor oversold. The STOCH value of 83.46 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:0626.
Public Financial Holdings Peers Comparison
Overall Rating
HK:619962Neutral
HK:619659Neutral- HK:062658Neutral
HK:191651Neutral
HK:613847Neutral
HK:619039Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| HK:6199 | 62Neutral | HKD 13.71B | 2.93 | 7.75% | 7.35% | -1.55% | 10.31% |
| HK:6196 | 59Neutral | HKD 15.71B | 7.86 | 4.11% | 2.50% | ― | ― |
| HK:0626 | 58Neutral | HKD 2.54B | 24.55 | 1.32% | 2.94% | -6.77% | ― |
| HK:1916 | 51Neutral | HKD 3.37B | 4.63 | 2.50% | 6.98% | -9.03% | 7.56% |
| HK:6138 | 47Neutral | HKD 3.13B | 3.89 | 2.45% | ― | -2.43% | 46.14% |
| HK:6190 | 39Underperform | HKD 7.12B | 11.92 | 2.46% | 2.58% | -2.30% | 138.58% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| HK:0626 | Public Financial Holdings | 2.31 | 1.10 | 91.16% | |
| HK:6190 | Bank of Jiujiang Co., Ltd. Class H | 2.50 | 0.54 | 27.36% | |
| HK:6196 | Bank of Zhengzhou Co., Ltd. Class H | 0.88 | -0.40 | -31.10% | |
| HK:6138 | Harbin Bank Co., Ltd. Class H | 0.28 | -0.11 | -27.85% | |
| HK:1916 | Jiangxi Bank Co., Ltd. Class H | 0.56 | -0.09 | -13.31% | |
| HK:6199 | Bank of Guizhou Co. Ltd. Class H | 0.94 | -0.05 | -5.43% |
Public Financial Holdings Corporate Events
Public Bank Berhad Moves to Privatise Public Financial Holdings at HK$2.50 Per Share
Public Bank Berhad has announced a proposal to privatise Public Financial Holdings Limited by way of a scheme of arrangement under Bermuda’s Companies Act. The transaction is structured to cancel all scheme shares held by independent shareholde...
Public Financial Holdings Halts Trading Ahead of Takeover-Related Announcement
Public Financial Holdings Limited, a Bermuda-incorporated financial services group listed in Hong Kong, operates in the banking and financial services sector, offering deposit, lending and related products to retail and corporate clients. The company...
Public Financial Holdings Relocates Bermuda Registered Office and Registrar
Public Financial Holdings Limited has announced that, effective 3 August 2026, it will change the address of its registered office, principal share registrar and transfer agent in Bermuda to Richmond House, 12 Par-la-Ville Road, Hamilton HM 08. The c...
Public Financial Holdings Posts Sharp Profit Rebound on Higher Net Interest Income
Public Financial Holdings reported interim unaudited results for the six months ended 30 June 2026, showing net interest income rising to HK$571.2 million from HK$530.5 million despite lower overall interest income. However, fee and commission income...
Public Financial Holdings Sets Board Meeting to Approve Interim Results
Public Financial Holdings Limited has announced that its board of directors will convene on 16 July 2026 to review and approve the publication of the group’s interim results for the six months ended 30 June 2026. The meeting will cover the perf...
Public Financial Holdings Declares Interim and Special Dividends for 2026
Public Financial Holdings Limited has declared an interim dividend of HK$0.02 per share and a special dividend of HK$0.02 per share for the financial year ending 31 December 2026. The total cash payout of HK$0.04 per share will be made on 5 August 20...
Public Financial Holdings Announces Interim Dividend for 2026
Public Financial Holdings has declared an interim ordinary dividend of HKD 0.02 per share for the six months ended 30 June 2026, for the financial year ending 31 December 2026. The ex-dividend date is set for 16 July 2026, with the record date on 22...
Public Financial Holdings Declares Special Interim Dividend for 2026
Public Financial Holdings Limited has declared a special interim cash dividend of HKD 0.02 per share for the financial year ending 31 December 2026, covering the reporting period up to 30 June 2026. The dividend will be paid in Hong Kong dollars, wit...
Public Financial Holdings to Weigh Interim and Special Dividends at June Board Meeting
Public Financial Holdings has scheduled a board meeting for 30 June 2026 to consider declaring an interim dividend and a special dividend for the financial year ending 31 December 2026. The company said details of any approved distributions will be a...
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.
Date of analysis: Sep 10, 2026