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Hong Kong Finance Group Ltd. (HK:1273)
:1273
Hong Kong Market

Hong Kong Finance Group Ltd. (1273) AI Stock Analysis

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HK

Hong Kong Finance Group Ltd.

(1273)

67Neutral
Hong Kong Finance Group Ltd. has a solid financial foundation with strong profitability and efficient operations, but faces challenges with declining revenue and cash flow. The stock is technically weak, showing bearish indicators. However, it is attractively valued with a low P/E ratio and high dividend yield, which could attract value and income investors. Overall, the stock presents a mixed outlook with some strengths but also significant challenges.

Hong Kong Finance Group Ltd. (1273) vs. S&P 500 (SPY)

Hong Kong Finance Group Ltd. Business Overview & Revenue Model

Company DescriptionHong Kong Finance Group Ltd. (1273) is a financial services company based in Hong Kong. It primarily engages in the provision of personal loans and mortgage loans to individuals and businesses. The company focuses on offering flexible and customized financial solutions to meet the diverse needs of its clients, operating predominantly within the Hong Kong market.
How the Company Makes MoneyHong Kong Finance Group Ltd. generates revenue through the interest and fees charged on the personal loans and mortgage loans it provides. The company earns money by lending funds to individuals and businesses and then collecting interest payments over the life of the loan. Additionally, they may charge origination fees, late payment fees, and other service-related fees, contributing to their overall income. The firm's earnings are significantly influenced by the prevailing interest rates, the creditworthiness of its borrowers, and the overall demand for lending products in the Hong Kong market. Partnerships with real estate agencies or other financial institutions could also enhance their revenue streams, although specific partnerships are not disclosed.

Hong Kong Finance Group Ltd. Financial Statement Overview

Summary
Income Statement
Balance Sheet
Cash Flow
Breakdown
Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020
Income StatementTotal Revenue
160.25M163.27M154.88M157.60M164.34M
Gross Profit
160.25M163.27M154.88M157.60M164.34M
EBIT
77.05M101.56M96.82M113.05M59.39M
EBITDA
80.15M104.43M99.83M116.07M62.42M
Net Income Common Stockholders
42.69M58.88M70.55M73.22M55.49M
Balance SheetCash, Cash Equivalents and Short-Term Investments
28.38M29.88M24.88M80.02M15.28M
Total Assets
1.13B1.13B1.18B1.10B1.18B
Total Debt
307.04M326.57M426.44M406.71M548.96M
Net Debt
278.66M296.69M401.56M326.69M533.68M
Total Liabilities
318.38M341.49M440.45M425.13M563.89M
Stockholders Equity
816.62M784.72M736.62M676.86M614.43M
Cash FlowFree Cash Flow
26.78M129.74M-34.98M219.09M-18.73M
Operating Cash Flow
28.96M130.05M-33.85M221.06M-18.49M
Investing Cash Flow
-139.00K-14.30M-29.13M-1.98M25.22M
Financing Cash Flow
-30.32M-110.75M7.84M-154.34M-28.75M

Hong Kong Finance Group Ltd. Technical Analysis

Technical Analysis Sentiment
Negative
Last Price0.34
Price Trends
50DMA
0.35
Negative
100DMA
0.34
Negative
200DMA
0.33
Positive
Market Momentum
MACD
>-0.01
Negative
RSI
37.02
Neutral
STOCH
66.67
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1273, the sentiment is Negative. The current price of 0.34 is below the 20-day moving average (MA) of 0.34, below the 50-day MA of 0.35, and above the 200-day MA of 0.33, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 37.02 is Neutral, neither overbought nor oversold. The STOCH value of 66.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:1273.

Hong Kong Finance Group Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
70
Neutral
$12.04B7.356.93%5.11%7.42%-2.02%
67
Neutral
HK$139.03M3.005.67%7.76%7.06%-11.84%
64
Neutral
$12.64B9.748.05%17044.60%12.66%-4.62%
59
Neutral
$49.45B12.109.94%5.76%1.39%-21.74%
55
Neutral
HK$118.03M-19.55%-27.98%-16.20%
31
Underperform
HK$174.81M-76.72%-12.18%-222.34%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
HK:1273
Hong Kong Finance Group Ltd.
0.34
0.04
13.33%
HK:1193
China Resources Gas Group
21.80
-3.10
-12.45%
HK:0645
Ares Asia Limited
0.23
0.14
155.56%
HK:0827
Ko Yo Chemical (Group) Limited
0.03
-0.05
-62.50%
HK:1083
Towngas China Co
3.46
0.52
17.65%

Hong Kong Finance Group Ltd. Corporate Events

Hong Kong Finance Group Announces New Loan Agreement
Apr 16, 2025

Hong Kong Finance Group Limited, a company incorporated in the Cayman Islands, has announced a new loan agreement with Customer AC for HK$8,000,000. This financial assistance is intended to settle a previous loan of the same amount, and it is secured by a first mortgage on a commercial property in Hong Kong. The transaction is considered discloseable under the Listing Rules due to its aggregate percentage ratio. The company has assessed the credit risk as manageable, given the borrower’s satisfactory repayment history and the property’s prime location.

Hong Kong Finance Group Announces New Loan Agreement as Discloseable Transaction
Mar 28, 2025

Hong Kong Finance Group Limited has announced a new loan agreement with Customers G, H, and I, providing a principal amount of HK$8,000,000. This new loan will be used to settle the outstanding balance of a previous loan, and is part of a series of loans that, due to their aggregate size, constitute a discloseable transaction under Hong Kong’s Listing Rules. The loan is secured by a legal charge on a residential property valued at approximately HK$10,800,000, and carries an interest rate of 15% per annum over a six-month term. This transaction highlights the company’s strategic financial management and compliance with regulatory requirements, potentially impacting its market positioning and stakeholder relations.

Hong Kong Finance Group Announces New Loan Agreement
Mar 27, 2025

Hong Kong Finance Group Limited announced the provision of a new loan agreement amounting to HK$18,000,000 to a group of borrowers. This loan is intended to settle a previous loan of the same amount, with the new agreement secured by a second mortgage on a residential property in Kowloon. The company has assessed the credit risk as manageable due to the prime location of the collateral, the solid financial background of some borrowers, and their satisfactory repayment history. This transaction is considered discloseable under the Listing Rules due to its size relative to the company’s financial metrics.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.