Public Financial Holdings Limited logo

Public Financial Holdings Limited

0626.HK

HKSEFinancial ServicesBanks - Regional

Latest quote

HK$1.55

+HK$0.11 · +7.64%

Aug 19, 3:55 PM HKTData delayed

0626.HK company overview

Regular session · HKT · Market data may be delayed.

Company profile

Company website

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 strategically divided into three primary segments. The Retail and Commercial Banking division offers diverse products and services, including deposit accounts, various lending options such as mortgages and consumer loans, hire purchase and leasing solutions, and specialized financing for licensed public vehicles like taxis and public light buses. This segment also supports clients in trading, manufacturing, and other business sectors with financing and related services, alongside providing foreign exchange and cash management services that encompass deposit-taking, lending, interest rate risk management, and fund management. The Wealth Management Services, Stockbroking, and Securities Management segment focuses on managing investments in both debt instruments and equities, generating income through securities dealing and commissions, and providing a suite of wealth management products and services. The Other Businesses segment is involved in the buying and selling of taxi vehicles and their licenses, the leasing of taxis, and the letting of investment properties. Beyond these core segments, Public Financial Holdings also extends personal and property-backed loans, nominee services, and insurance offerings. The company maintains an extensive presence with 78 branches throughout Hong Kong and an additional 5 branches in Mainland China. Established in 1991 and headquartered in Central, Hong Kong, it operates as a subsidiary of Public Bank Berhad.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
HK
CEO
Yam Kiang Chong
Listed since
Oct 3, 1991
Employees
1,305

Market position

52-week range

Current HK$1.55

Open
HK$1.55
Previous close
HK$1.44
Volume
1.82M
7.37× average
Average volume
247.03K
Average daily volume
Market cap
1.7B HKD
Beta
0.49
Market reference 1
50-day average
HK$1.3964
+11.00% above average
200-day average
HK$1.4475
+7.08% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
3.39B HKD
P/E (TTM)
16.44×
P/B (TTM)
0.22×
P/S (TTM)
0.84×
EV / EBITDA
15.2×
Earnings yield
5.33%
Free cash flow yield
14.79%
Dividend yield
5.81%

Profitability & efficiency

Gross margin
53.04%
Operating margin
6.83%
Net margin
5.02%
Return on equity
1.03%
Return on assets
0.18%
Return on invested capital
0.18%

Financial health

Debt / equity
0.25×
Current ratio
0.12×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends150%79%9%-62%Gross margin, FY2021: 90.00%Gross margin, FY2022: 79.62%Gross margin, FY2023: 132.20%Gross margin, FY2024: 52.57%Gross margin, FY2025: 48.23%Operating margin, FY2021: 35.17%Operating margin, FY2022: 24.09%Operating margin, FY2023: 4.44%Operating margin, FY2024: 13.03%Operating margin, FY2025: 5.77%Net margin, FY2021: 29.57%Net margin, FY2022: 19.14%Net margin, FY2023: 1.57%Net margin, FY2024: -44.34%Net margin, FY2025: 3.86%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 90.00%. Gross margin FY2022 79.62%. Gross margin FY2023 132.20%. Gross margin FY2024 52.57%. Gross margin FY2025 48.23%. Operating margin FY2021 35.17%. Operating margin FY2022 24.09%. Operating margin FY2023 4.44%. Operating margin FY2024 13.03%. Operating margin FY2025 5.77%. Net margin FY2021 29.57%. Net margin FY2022 19.14%. Net margin FY2023 1.57%. Net margin FY2024 -44.34%. Net margin FY2025 3.86%.

Income trends

Revenue

2.06B HKD-8.46%

Operating income

119.06M HKD-59.47%

Net income

79.65M HKD+1.08B HKD
Income trends across reported periods2.58B HKD1.28B HKD−23.42M HKD−1.32B HKDRevenue, FY2021: 1.68B HKDRevenue, FY2022: 1.72B HKDRevenue, FY2023: 914.19M HKDRevenue, FY2024: 2.25B HKDRevenue, FY2025: 2.06B HKDOperating income, FY2021: 590.45M HKDOperating income, FY2022: 413.65M HKDOperating income, FY2023: 40.63M HKDOperating income, FY2024: 293.74M HKDOperating income, FY2025: 119.06M HKDNet income, FY2021: 496.46M HKDNet income, FY2022: 328.7M HKDNet income, FY2023: 14.38M HKDNet income, FY2024: −999.39M HKDNet income, FY2025: 79.65M HKDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.68B HKD. Revenue FY2022 1.72B HKD. Revenue FY2023 914.19M HKD. Revenue FY2024 2.25B HKD. Revenue FY2025 2.06B HKD. Operating income FY2021 590.45M HKD. Operating income FY2022 413.65M HKD. Operating income FY2023 40.63M HKD. Operating income FY2024 293.74M HKD. Operating income FY2025 119.06M HKD. Net income FY2021 496.46M HKD. Net income FY2022 328.7M HKD. Net income FY2023 14.38M HKD. Net income FY2024 −999.39M HKD. Net income FY2025 79.65M HKD.
Metric (HKD)FY2025FY2024FY2023FY2022FY2021
Revenue2.06B HKD2.25B HKD914.19M HKD1.72B HKD1.68B HKD
Cost of goods sold1.07B HKD1.07B HKD−294.38M HKD349.92M HKD167.83M HKD
Gross profit995.08M HKD1.18B HKD1.21B HKD1.37B HKD1.51B HKD
Selling, general, and administrative608.38M HKD77.89M HKD72.93M HKD75.42M HKD74.82M HKD
Operating expenses876.02M HKD891M HKD1.17B HKD953.68M HKD920.44M HKD
Interest income1.94B HKD2.05B HKD1.96B HKD1.5B HKD1.45B HKD
Interest expense787.43M HKD1.07B HKD953.72M HKD349.92M HKD167.83M HKD
Depreciation and amortization104.03M HKD103.15M HKD103.58M HKD102.33M HKD101.94M HKD
Operating income119.06M HKD293.74M HKD40.63M HKD413.65M HKD590.45M HKD
Net income79.65M HKD−999.39M HKD14.38M HKD328.7M HKD496.46M HKD

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
0.07

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates0.32-0.11-0.54-0.97Q4 '21Q2 '22Q1 '23Q3 '23Q1 '24Q3 '24Q1 '25Q4 '25
Q4 2021, reported Dec 31, 2021: actual 0.228, estimate —, surprise —, Comparison unavailable. Q2 2022, reported Jun 30, 2022: actual 0.176, estimate —, surprise —, Comparison unavailable. Q1 2023, reported Jan 19, 2023: actual 0.123, estimate —, surprise —, Comparison unavailable. Q3 2023, reported Jul 21, 2023: actual 0.104, estimate —, surprise —, Comparison unavailable. Q1 2024, reported Mar 22, 2024: actual -0.091, estimate —, surprise —, Comparison unavailable. Q3 2024, reported Jul 19, 2024: actual -0.031, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 16, 2025: actual -0.879, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Dec 31, 2025: actual 0.071, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates1.23B942.8M656.6M370.39MQ4 '21Q2 '22Q1 '23Q3 '23Q1 '24Q3 '24Q1 '25Q4 '25
Q4 2021, reported Dec 31, 2021: actual 824.66M HKD, estimate —, surprise —, Comparison unavailable. Q2 2022, reported Jun 30, 2022: actual 799.94M HKD, estimate —, surprise —, Comparison unavailable. Q1 2023, reported Jan 19, 2023: actual 919.31M HKD, estimate —, surprise —, Comparison unavailable. Q3 2023, reported Jul 21, 2023: actual 1.09B HKD, estimate —, surprise —, Comparison unavailable. Q1 2024, reported Mar 22, 2024: actual 1.11B HKD, estimate —, surprise —, Comparison unavailable. Q3 2024, reported Jul 19, 2024: actual 429.61M HKD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 16, 2025: actual 1.17B HKD, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Dec 31, 2025: actual 1.03B HKD, estimate —, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

HK$0.14

2023 complete year-36.4% since 2019

2026 partial: HK$0.09

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Jul 16, 2026

HK$0.04

Special

Record Jul 20, 2026 · Payment Aug 5, 2026

Dividend

Ex-dividend Jan 26, 2026

HK$0.05

Semi-Annual

Record Jan 28, 2026 · Payment Feb 26, 2026

Dividend

Ex-dividend Jul 16, 2025

HK$0.02

Irregular

Record Jul 18, 2025 · Payment Aug 1, 2025

Dividend

Ex-dividend Jul 13, 2023

HK$0.03

Semi-Annual

Record Jul 14, 2023 · Payment Aug 2, 2023

Dividend

Ex-dividend Jan 20, 2023

HK$0.11

Semi-Annual

Record Jan 26, 2023 · Payment Feb 24, 2023

Dividend

Ex-dividend Jul 14, 2022

HK$0.05

Semi-Annual

Record Jul 15, 2022 · Payment Aug 3, 2022

0626.HK peers

ETFs holding 0626.HK

Funds reporting this stock among their holdings, ordered by reported position size.

Continue in GoAI

Research 0626.HK

research.disclaimer