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Oi Wah Pawnshop Credit Holdings Ltd.
(1319)
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Rating:80Outperform
Price Target:
HK$0.35
▲(27.78% Upside)
Action:Reiterated
Date:07/05/26
The score is driven primarily by strong financial performance (high profitability, very low leverage, and positive free cash flow) and supported by attractive valuation (low P/E and high dividend yield). Technical signals are only moderately positive due to mixed momentum (slightly negative MACD and elevated Stoch), which caps the overall score.
Positive Factors
High and durable profitability
Exceptionally high gross and healthy net margins indicate durable earnings power from loan and fee income. Such margin structure supports strong cash generation, buffers credit losses, and sustains returns through cycles, underpinning long-term financial resilience.
Negative Factors
Revenue volatility and uneven top-line
Cyclic or uneven revenue trends reflect sensitivity to loan origination, collateral turnover and consumer demand. Persistent top-line volatility complicates planning, makes asset growth less predictable, and can pressure margins when origination or recovery environments weaken.
Read all positive and negative factors
Positive Factors
Negative Factors
High and durable profitability
Exceptionally high gross and healthy net margins indicate durable earnings power from loan and fee income. Such margin structure supports strong cash generation, buffers credit losses, and sustains returns through cycles, underpinning long-term financial resilience.
Read all positive factors
Oi Wah Pawnshop Credit Holdings Ltd. (1319) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$538.81M
Dividend Yield7.68%
Average Volume (3M)102.80K
Price to Earnings (P/E)6.5
Beta (1Y)0.28
Revenue Growth-0.24%
EPS Growth47.93%
CountryHK
Employees52
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)0.04
Shares Outstanding1,924,308,300
10 Day Avg. Volume119,200
30 Day Avg. Volume102,800
Financial Highlights & Ratios
PEG Ratio0.15
Price to Book (P/B)0.50
Price to Sales (P/S)3.33
P/FCF Ratio2.81
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
Oi Wah Pawnshop Credit Holdings Ltd. Business Overview & Revenue Model
Company Description
Operating as an investment holding firm, Oi Wah Pawnshop Credit Holdings Limited specializes in offering secured financial solutions within Hong Kong. Its range of services includes pawn and mortgage loans, general money lending, and various consu...
How the Company Makes Money
Oi Wah Pawnshop Credit Holdings Ltd. generates revenue primarily from lending-related income across two main business lines: (1) pawn loans and (2) money lending. Pawn loans: The company advances cash to customers who pledge collateral (commonly i...
Oi Wah Pawnshop Credit Holdings Ltd. Financial Statement Overview
Summary
Income Statement
86
Very Positive
Balance Sheet
90
Very Positive
Cash Flow
78
Positive
| Breakdown | Feb 2026 | Feb 2025 | Feb 2024 | Feb 2023 | Feb 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 173.46M | 176.02M | 160.99M | 159.01M | 141.61M |
| Gross Profit | 164.54M | 172.10M | 160.99M | 159.01M | 141.61M |
| EBITDA | 110.42M | 73.21M | 121.15M | 122.78M | 107.65M |
| Net Income | 82.61M | 55.91M | 86.45M | 86.11M | 71.67M |
Balance Sheet | |||||
| Total Assets | 1.24B | 1.18B | 1.19B | 1.15B | 1.16B |
| Cash, Cash Equivalents and Short-Term Investments | 376.90M | 220.76M | 170.60M | 169.69M | 206.77M |
| Total Debt | 62.80M | 70.66M | 97.48M | 111.07M | 168.39M |
| Total Liabilities | 82.46M | 75.04M | 109.02M | 123.53M | 172.90M |
| Stockholders Equity | 1.16B | 1.11B | 1.08B | 1.03B | 982.91M |
Cash Flow | |||||
| Free Cash Flow | 205.22M | 151.09M | 70.29M | 71.87M | 122.67M |
| Operating Cash Flow | 205.97M | 151.77M | 72.08M | 73.10M | 123.48M |
| Investing Cash Flow | -750.00K | -31.58M | 45.00K | -9.30M | -750.00K |
| Financing Cash Flow | -43.97M | -75.13M | -63.91M | -108.04M | -161.41M |
Oi Wah Pawnshop Credit Holdings Ltd. Technical Analysis
Neutral
0.27
Price Trends
0.28
Positive
0.28
Positive
0.27
Positive
Market Momentum
<0.01
Positive
46.11
Neutral
6.67
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1319, the sentiment is Neutral. The current price of 0.27 is below the 20-day moving average (MA) of 0.28, below the 50-day MA of 0.28, and below the 200-day MA of 0.27, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 46.11 is Neutral, neither overbought nor oversold. The STOCH value of 6.67 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for HK:1319.
Oi Wah Pawnshop Credit Holdings Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | HK$538.81M | 6.53 | 7.23% | 7.68% | -0.24% | 47.93% | |
68 Neutral | HK$296.72M | 4.31 | 7.86% | 6.71% | 4.13% | 51.84% | |
61 Neutral | HK$643.30M | 12.85 | 2.21% | 5.08% | -2.87% | -15.36% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
43 Neutral | HK$198.34M | -4.65 | -23.72% | 1.72% | 10.05% | -40.15% |
* General Sector Average
HK:1319
Oi Wah Pawnshop Credit Holdings Ltd.
0.28
0.06
25.00%
HK:0510
CASH Financial Services Group
0.45
-0.08
-15.09%
HK:1273
Hong Kong Finance Group Ltd.
0.72
0.23
48.03%
HK:1290
China Huirong Financial Holdings Ltd.
0.59
0.01
2.25%
Oi Wah Pawnshop Credit Holdings Ltd. Corporate Events
Oi Wah Pawnshop Sets 2026 AGM to Approve Results, Dividend and Share Issuance Mandate
Jun 28, 2026
Oi Wah Pawnshop Credit Holdings Ltd. has convened its annual general meeting for 31 July 2026 in Central, Hong Kong, where shareholders will review and approve the audited financial statements for the year ended 28 February 2026, re-elect three re...
Oi Wah Renews Connected-Party Leases for Hong Kong Retail Properties
May 29, 2026
Oi Wah Pawnshop Credit Holdings has renewed several tenancy agreements for key shop properties in Hong Kong, with Hing Wah HK, Wai Wah HK and Oi Wah HK entering new one-year leases with landlords linked to the Chan family trusts and related entiti...
Oi Wah Pawnshop Credit Declares Final Dividend for FY2025/26
May 27, 2026
Oi Wah Pawnshop Credit Holdings Limited has declared a final ordinary dividend of HKD 0.0115 per share for the financial year ended 28 February 2026, reflecting its decision to return cash to shareholders. The dividend is subject to shareholder ap...
Oi Wah Pawnshop Credit Lifts Profit and Margin Despite Smaller Loan Book
May 27, 2026
Oi Wah Pawnshop Credit Holdings reported flat revenue of HK$164.4 million for the year ended 28 February 2026, but significantly improved profitability, with profit attributable to shareholders rising 47.8% to HK$82.6 million and net profit margin...
Oi Wah Pawnshop Sees 30%–50% Profit Surge on Lower Loan Impairments
May 14, 2026
Oi Wah Pawnshop Credit Holdings Ltd. expects profit attributable to shareholders for the year ended 28 February 2026 to rise by 30% to 50% from about HK$55.9 million a year earlier. The improvement is mainly driven by a substantial decrease in imp...
Oi Wah Pawnshop Credit Sets Board Meeting to Approve Annual Results and Consider Final Dividend
May 14, 2026
Oi Wah Pawnshop Credit Holdings Limited has scheduled a board meeting for 27 May 2026 to review and approve the audited annual results for the year ended 28 February 2026. The board will also consider whether to recommend a final dividend, a decis...
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.