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Hong Kong Finance Group Limited logo

Hong Kong Finance Group Limited

1273.HK

HKSEFinancial ServicesFinancial - Mortgages

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Latest quote

HK$0.73

+HK$0.02 · +2.82%

Aug 21, 2:41 PM HKTData delayed

1273.HK company overview

Regular session · HKT · Market data may be delayed.

Company profile

Company website

Hong Kong Finance Group Limited operates as an investment holding company, primarily offering property mortgage loans to individuals and businesses across Hong Kong under the "Hong Kong Finance" brand. Beyond its core mortgage services, the company extends personal loan options to owners of Home Ownership Scheme (HOS) and public housing, provides financing solutions for small and medium-sized enterprises (SMEs), and issues unsecured loans to property owners. Additional services encompass mortgage top-ups (further advances), loans specifically for carparks, and the transfer of existing mortgage loans. Founded in 1996, the firm's main office is situated in Admiralty, Hong Kong, and it is a subsidiary of Tin Ching Holdings Limited.

Industry
Financial - Mortgages
Sector
Financial Services
Headquarters
HK
CEO
Pui To Tse
Listed since
Oct 2, 2013
Employees
52

Market position

52-week range

Current HK$0.73

Open
HK$0.73
Previous close
HK$0.71
Volume
40K
0.41× average
Average volume
97.07K
Average daily volume
Market cap
302.95M HKD
Beta
0.26
Market reference 1
50-day average
HK$0.701
+4.14% above average
200-day average
HK$0.6243
+16.94% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
446.57M HKD
EV / EBITDA
4.46×
Earnings yield
28.64%
Free cash flow yield
-27.84%

Profitability & efficiency

Return on equity
7.71%
Return on assets
6.08%
Return on invested capital
6.76%

Financial health

Current ratio
4.37×
Altman Z-score
3.14
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends107%79%51%23%Gross margin, FY2021: 100.00%Gross margin, FY2022: 100.00%Gross margin, FY2023: 100.00%Gross margin, FY2024: 89.72%Gross margin, FY2025: 96.82%Operating margin, FY2021: 62.51%Operating margin, FY2022: 62.20%Operating margin, FY2023: 51.40%Operating margin, FY2024: 37.40%Operating margin, FY2025: 57.22%Net margin, FY2021: 45.55%Net margin, FY2022: 36.07%Net margin, FY2023: 31.22%Net margin, FY2024: 30.21%Net margin, FY2025: 42.70%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 100.00%. Gross margin FY2022 100.00%. Gross margin FY2023 100.00%. Gross margin FY2024 89.72%. Gross margin FY2025 96.82%. Operating margin FY2021 62.51%. Operating margin FY2022 62.20%. Operating margin FY2023 51.40%. Operating margin FY2024 37.40%. Operating margin FY2025 57.22%. Net margin FY2021 45.55%. Net margin FY2022 36.07%. Net margin FY2023 31.22%. Net margin FY2024 30.21%. Net margin FY2025 42.70%.

Income trends

Revenue

164.24M HKD+7.47%

Operating income

93.98M HKD+64.45%

Net income

70.13M HKD+51.88%
Income trends across reported periods176.39M HKD127.77M HKD79.16M HKD30.54M HKDRevenue, FY2021: 154.88M HKDRevenue, FY2022: 163.27M HKDRevenue, FY2023: 136.73M HKDRevenue, FY2024: 152.82M HKDRevenue, FY2025: 164.24M HKDOperating income, FY2021: 96.82M HKDOperating income, FY2022: 101.56M HKDOperating income, FY2023: 70.28M HKDOperating income, FY2024: 57.15M HKDOperating income, FY2025: 93.98M HKDNet income, FY2021: 70.55M HKDNet income, FY2022: 58.89M HKDNet income, FY2023: 42.69M HKDNet income, FY2024: 46.17M HKDNet income, FY2025: 70.13M HKDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 154.88M HKD. Revenue FY2022 163.27M HKD. Revenue FY2023 136.73M HKD. Revenue FY2024 152.82M HKD. Revenue FY2025 164.24M HKD. Operating income FY2021 96.82M HKD. Operating income FY2022 101.56M HKD. Operating income FY2023 70.28M HKD. Operating income FY2024 57.15M HKD. Operating income FY2025 93.98M HKD. Net income FY2021 70.55M HKD. Net income FY2022 58.89M HKD. Net income FY2023 42.69M HKD. Net income FY2024 46.17M HKD. Net income FY2025 70.13M HKD.
Metric (HKD)FY2025FY2024FY2023FY2022FY2021
Revenue164.24M HKD152.82M HKD136.73M HKD163.27M HKD154.88M HKD
Cost of goods sold5.22M HKD15.71M HKD———
Gross profit159.02M HKD137.11M HKD136.73M HKD163.27M HKD154.88M HKD
Research and development———0.44 HKD0.54 HKD
Selling, general, and administrative—19.49M HKD21.36M HKD57.23M HKD53.06M HKD
Operating expenses65.04M HKD79.96M HKD66.46M HKD58.84M HKD48.54M HKD
Interest income162.85M HKD156.28M HKD158.93M HKD160.97M HKD153.49M HKD
Interest expense10.41M HKD15.71M HKD18.91M HKD22.08M HKD21.74M HKD
Depreciation and amortization5.22M HKD5.24M HKD3.1M HKD2.87M HKD3.01M HKD
Operating income93.98M HKD57.15M HKD70.28M HKD101.56M HKD96.82M HKD
Net income70.13M HKD46.17M HKD42.69M HKD58.89M HKD70.55M 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 estimates1.080.730.390.05Q3 '21Q1 '22Q4 '22Q2 '23Q4 '23Q2 '24Q4 '24Q3 '25
Q3 2021, reported Sep 30, 2021: actual 1, estimate —, surprise —, Comparison unavailable. Q1 2022, reported Mar 31, 2022: actual 1, estimate —, surprise —, Comparison unavailable. Q4 2022, reported Nov 25, 2022: actual 1, estimate —, surprise —, Comparison unavailable. Q2 2023, reported Jun 28, 2023: actual 1, estimate —, surprise —, Comparison unavailable. Q4 2023, reported Nov 28, 2023: actual 1, estimate —, surprise —, Comparison unavailable. Q2 2024, reported Jun 26, 2024: actual 0.053, estimate —, surprise —, Comparison unavailable. Q4 2024, reported Nov 27, 2024: actual 0.059, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Sep 30, 2025: actual 0.066, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates88.53M78.96M69.39M59.82MQ3 '21Q1 '22Q4 '22Q2 '23Q4 '23Q2 '24Q4 '24Q3 '25
Q3 2021, reported Sep 30, 2021: actual 75.2M HKD, estimate —, surprise —, Comparison unavailable. Q1 2022, reported Mar 31, 2022: actual 79.68M HKD, estimate —, surprise —, Comparison unavailable. Q4 2022, reported Nov 25, 2022: actual 78.15M HKD, estimate —, surprise —, Comparison unavailable. Q2 2023, reported Jun 28, 2023: actual 85.12M HKD, estimate —, surprise —, Comparison unavailable. Q4 2023, reported Nov 28, 2023: actual 73.79M HKD, estimate —, surprise —, Comparison unavailable. Q2 2024, reported Jun 26, 2024: actual 63.66M HKD, estimate —, surprise —, Comparison unavailable. Q4 2024, reported Nov 27, 2024: actual 63.23M HKD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Sep 30, 2025: actual 77.54M HKD, estimate —, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

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

HK$0.029

2025 complete year+11.5% since 2021

Corporate action history

DividendUpcoming

Ex-dividend Sep 7, 2026

HK$0.032

Semi-Annual

Record Sep 9, 2026 · Payment Oct 9, 2026

Dividend

Ex-dividend Dec 29, 2025

HK$0.016

Semi-Annual

Record Jan 2, 2026 · Payment Jan 14, 2026

Dividend

Ex-dividend Sep 8, 2025

HK$0.013

Semi-Annual

Record Sep 10, 2025 · Payment Oct 10, 2025

Dividend

Ex-dividend Dec 27, 2024

HK$0.013

Semi-Annual

Record Jan 2, 2025 · Payment Jan 14, 2025

Dividend

Ex-dividend Sep 9, 2024

HK$0.013

Semi-Annual

Record Sep 11, 2024 · Payment Oct 4, 2024

Dividend

Ex-dividend Dec 29, 2023

HK$0.013

Semi-Annual

Record Jan 3, 2024 · Payment Jan 16, 2024

1273.HK peers

Industrial and Commercial Bank of China Limited logo

1398.HK

Industrial and Commercial Bank of China Limited

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+0.13%

HSBC Holdings plc logo

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HSBC Holdings plc

HK$160.9

-1.23%

Bank of China Limited logo

3988.HK

Bank of China Limited

HK$5.50

-0.09%

China Construction Bank Corporation logo

0939.HK

China Construction Bank Corporation

HK$9.185

-0.65%

Agricultural Bank of China Limited logo

1288.HK

Agricultural Bank of China Limited

HK$6.26

-0.32%

China Life Insurance Company Limited logo

2628.HK

China Life Insurance Company Limited

HK$28.64

+2.07%

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