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Public Financial Holdings
(0626)
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Rating:58Neutral
Price Target:
HK$2.50
▲(61.29% Upside)
Action:Reiterated
Date:09/10/26
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.
Positive Factors
Stable balance sheet
Contained leverage and broadly stable equity and assets provide a durable financial base for a regional bank. This stability can support continued operations and measured investment while reducing the balance-sheet pressure that would otherwise amplify weaker earnings periods.
Negative Factors
Volatile profitability
The sharp earnings swing demonstrates limited predictability in the current profit base. Although 2025 recovered into positive territory, the modest result after a large loss leaves less evidence of sustainable earnings power and makes future performance more difficult to plan.
Read all positive and negative factors
Positive Factors
Negative Factors
Stable balance sheet
Contained leverage and broadly stable equity and assets provide a durable financial base for a regional bank. This stability can support continued operations and measured investment while reducing the balance-sheet pressure that would otherwise amplify weaker earnings periods.
Read all positive factors
Public Financial Holdings (0626) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$1.70B
Dividend Yield3.09%
Average Volume (3M)173.33K
Price to Earnings (P/E)23.3
Beta (1Y)0.45
Revenue Growth-6.77%
EPS GrowthN/A
CountryHK
Employees1,305
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.09
Shares Outstanding1,097,917,600
10 Day Avg. Volume0
30 Day Avg. Volume173,333
Financial Highlights & Ratios
PEG Ratio-0.17
Price to Book (P/B)0.19
Price to Sales (P/S)0.72
P/FCF Ratio6.76
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
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 st...
Public Financial Holdings Financial Statement Overview
Summary
Income Statement
52
Neutral
Balance Sheet
68
Positive
Cash Flow
45
Neutral
| 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
Positive
1.55
Price Trends
1.45
Positive
1.42
Positive
1.42
Positive
Market Momentum
0.09
Negative
96.45
Negative
78.00
Neutral
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 1.55 is below the 20-day moving average (MA) of 1.56, above the 50-day MA of 1.45, and above the 200-day MA of 1.42, indicating a bullish trend. The MACD of 0.09 indicates Negative momentum. The RSI at 96.45 is Negative, neither overbought nor oversold. The STOCH value of 78.00 is Neutral, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | HK$15.97B | 8.33 | 4.01% | 2.41% | ― | ― | |
61 Neutral | HK$13.42B | 2.97 | 7.55% | 7.51% | -1.55% | 10.31% | |
58 Neutral | HK$1.70B | 23.33 | 1.32% | 3.09% | -6.77% | ― | |
53 Neutral | HK$7.83B | 13.25 | 2.46% | 2.34% | -2.30% | 138.58% | |
51 Neutral | HK$3.64B | 4.96 | 2.50% | 6.57% | -9.03% | 7.56% | |
47 Neutral | HK$3.52B | 4.40 | 2.45% | 9.11% | -2.43% | 46.14% |
* Financial Sector Average
HK:0626
Public Financial Holdings
2.20
0.98
80.18%
HK:6190
Bank of Jiujiang Co., Ltd. Class H
2.75
-0.54
-16.29%
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Bank of Zhengzhou Co., Ltd. Class H
0.92
-0.42
-31.20%
HK:6138
Harbin Bank Co., Ltd. Class H
0.32
-0.11
-25.58%
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Jiangxi Bank Co., Ltd. Class H
0.60
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-15.24%
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Bank of Guizhou Co. Ltd. Class H
0.92
-0.14
-13.13%
Public Financial Holdings Corporate Events
Public Bank Berhad Moves to Privatise Public Financial Holdings at HK$2.50 Per Share
Sep 8, 2026
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 shareho...
Public Financial Holdings Halts Trading Ahead of Takeover-Related Announcement
Aug 20, 2026
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 comp...
Public Financial Holdings Relocates Bermuda Registered Office and Registrar
Jul 31, 2026
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. Th...
Public Financial Holdings Posts Sharp Profit Rebound on Higher Net Interest Income
Jul 16, 2026
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 inc...
Public Financial Holdings Sets Board Meeting to Approve Interim Results
Jul 6, 2026
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 p...
Public Financial Holdings Declares Interim and Special Dividends for 2026
Jun 30, 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...
Public Financial Holdings Announces Interim Dividend for 2026
Jun 30, 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 ...
Public Financial Holdings Declares Special Interim Dividend for 2026
Jun 30, 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, ...
Public Financial Holdings to Weigh Interim and Special Dividends at June Board Meeting
Jun 17, 2026
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 b...
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.