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Oi Wah Pawnshop Credit Holdings Ltd.
(1319)
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Rating:78Outperform
Price Target:
HK$0.31
â–²(14.07% Upside)
Action:Reiterated
Date:10/05/26
The score is driven primarily by strong financial performance (high profitability, very low leverage, and positive free cash flow) and compelling valuation (low P/E and high dividend yield). These positives are partially offset by weak technical signals indicating soft near-term momentum.
Positive Factors
Low and improving leverage
Very low and declining leverage gives the lending business a substantial capital buffer and reduces pressure from funding obligations. Rising equity supports balance-sheet expansion, improves resilience through credit or collateral cycles, and preserves flexibility to sustain lending activity.
Negative Factors
Volatile revenue growth
Uneven revenue performance indicates that loan demand, book growth, yields, or related lending activity can fluctuate materially between periods. This makes future earnings progression less predictable and may limit the consistency of operating leverage over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Low and improving leverage
Very low and declining leverage gives the lending business a substantial capital buffer and reduces pressure from funding obligations. Rising equity supports balance-sheet expansion, improves resilience through credit or collateral cycles, and preserves flexibility to sustain lending activity.
Read all positive factors
Oi Wah Pawnshop Credit Holdings Ltd. (1319) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$548.43M
Dividend Yield7.54%
Average Volume (3M)75.73K
Price to Earnings (P/E)5.6
Beta (1Y)0.40
Revenue Growth5.30%
EPS Growth53.47%
CountryHK
Employees52
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)0.05
Shares Outstanding1,924,308,300
10 Day Avg. Volume112,800
30 Day Avg. Volume75,733
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 | TTM | Feb 2026 | Feb 2025 | Feb 2024 | Feb 2023 | Feb 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 177.69M | 173.46M | 176.02M | 160.99M | 159.01M | 141.61M |
| Gross Profit | 168.50M | 164.54M | 172.10M | 160.99M | 159.01M | 141.61M |
| EBITDA | 128.68M | 110.42M | 73.21M | 121.15M | 122.78M | 107.65M |
| Net Income | 97.69M | 82.61M | 55.91M | 86.45M | 86.11M | 71.67M |
Balance Sheet | ||||||
| Total Assets | 1.27B | 1.24B | 1.18B | 1.19B | 1.15B | 1.16B |
| Cash, Cash Equivalents and Short-Term Investments | 343.64M | 376.90M | 220.76M | 170.60M | 169.69M | 206.77M |
| Total Debt | 62.54M | 62.80M | 70.66M | 97.48M | 111.07M | 168.39M |
| Total Liabilities | 78.53M | 82.46M | 75.04M | 109.02M | 123.53M | 172.90M |
| Stockholders Equity | 1.19B | 1.16B | 1.11B | 1.08B | 1.03B | 982.91M |
Cash Flow | ||||||
| Free Cash Flow | 151.41M | 205.22M | 151.09M | 70.29M | 71.87M | 122.67M |
| Operating Cash Flow | 152.84M | 205.97M | 151.77M | 72.08M | 73.10M | 123.48M |
| Investing Cash Flow | -51.65M | -750.00K | -31.58M | 45.00K | -9.30M | -750.00K |
| Financing Cash Flow | -50.84M | -43.97M | -75.13M | -63.91M | -108.04M | -161.41M |
Oi Wah Pawnshop Credit Holdings Ltd. Technical Analysis
Positive
0.27
Price Trends
0.28
Positive
0.28
Positive
0.28
Positive
Market Momentum
<0.01
Negative
64.31
Neutral
67.22
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 0.28, below the 50-day MA of 0.28, and below the 200-day MA of 0.28, indicating a bullish trend. The MACD of <0.01 indicates Negative momentum. The RSI at 64.31 is Neutral, neither overbought nor oversold. The STOCH value of 67.22 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | HK$548.43M | 5.61 | 8.34% | 7.54% | 5.30% | 53.47% | |
70 Outperform | HK$290.50M | 4.22 | 7.86% | 6.86% | 4.13% | 51.84% | |
61 Neutral | HK$599.68M | 11.91 | 2.21% | 5.45% | -2.31% | -15.36% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
44 Neutral | HK$194.03M | -4.65 | -23.72% | 1.72% | 10.05% | -40.15% |
* General Sector Average
HK:1319
Oi Wah Pawnshop Credit Holdings Ltd.
0.29
0.04
18.26%
HK:0510
CASH Financial Services Group
0.45
-0.22
-32.84%
HK:1273
Hong Kong Finance Group Ltd.
0.70
0.19
36.99%
HK:1290
China Huirong Financial Holdings Ltd.
0.55
-0.08
-13.25%
Oi Wah Pawnshop Credit Holdings Ltd. Corporate Events
Oi Wah Pawnshop Credit Wins Unanimous Shareholder Backing at AGM
Jul 31, 2026
Oi Wah Pawnshop Credit Holdings Ltd., a Hong Kong-listed financial services group focused on pawnshop and credit operations, provides secured lending solutions to local borrowers in need of short-term liquidity. Its market positioning targets the ...
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.