Oi Wah Pawnshop Credit Holdings Limited logo

Oi Wah Pawnshop Credit Holdings Limited

1319.HK

HKSEFinancial ServicesFinancial - Mortgages

Latest quote

HK$0.285

+HK$0.01 · +3.64%

Aug 20, 1:59 PM HKTData delayed

1319.HK company overview

Regular session · HKT · Market data may be delayed.

Company profile

Company website

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 consulting offerings. Founded in 1975, the company maintains its primary administrative base in Wan Chai, Hong Kong. Oi Wah Pawnshop Credit Holdings Limited functions as a subsidiary of Kwan Lik Holding Limited.

Industry
Financial - Mortgages
Sector
Financial Services
Headquarters
HK
CEO
Kai Chan
Listed since
Mar 12, 2013
Employees
52

Market position

Day range

Current HK$0.285

52-week range

Current HK$0.285

Open
HK$0.28
Previous close
HK$0.275
Volume
856K
5.17× average
Average volume
165.56K
Average daily volume
Market cap
548.43M HKD
Beta
0.34
Market reference 1
50-day average
HK$0.2857
-0.25% below average
200-day average
HK$0.2817
+1.18% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
263.18M HKD
P/E (TTM)
6.64×
P/B (TTM)
0.47×
P/S (TTM)
3.46×
EV / EBITDA
2.38×
Earnings yield
14.31%
Free cash flow yield
35.55%
Dividend yield
7.54%

Profitability & efficiency

Gross margin
97.19%
Operating margin
63.99%
Net margin
52.09%
Return on equity
7.15%
Return on assets
6.67%
Return on invested capital
6.93%

Financial health

Debt / equity
0.05×
Current ratio
21.57×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends107%80%52%25%Gross margin, FY2021: 100.00%Gross margin, FY2022: 100.00%Gross margin, FY2023: 100.00%Gross margin, FY2024: 97.77%Gross margin, FY2025: 94.86%Operating margin, FY2021: 69.26%Operating margin, FY2022: 70.75%Operating margin, FY2023: 67.96%Operating margin, FY2024: 36.77%Operating margin, FY2025: 58.56%Net margin, FY2021: 50.61%Net margin, FY2022: 54.15%Net margin, FY2023: 53.70%Net margin, FY2024: 31.76%Net margin, FY2025: 47.62%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 100.00%. Gross margin FY2022 100.00%. Gross margin FY2023 100.00%. Gross margin FY2024 97.77%. Gross margin FY2025 94.86%. Operating margin FY2021 69.26%. Operating margin FY2022 70.75%. Operating margin FY2023 67.96%. Operating margin FY2024 36.77%. Operating margin FY2025 58.56%. Net margin FY2021 50.61%. Net margin FY2022 54.15%. Net margin FY2023 53.70%. Net margin FY2024 31.76%. Net margin FY2025 47.62%.

Income trends

Revenue

173.46M HKD-1.45%

Operating income

101.57M HKD+56.95%

Net income

82.61M HKD+47.76%
Income trends across reported periods188.03M HKD139.98M HKD91.94M HKD43.9M HKDRevenue, FY2021: 141.61M HKDRevenue, FY2022: 159.01M HKDRevenue, FY2023: 160.99M HKDRevenue, FY2024: 176.02M HKDRevenue, FY2025: 173.46M HKDOperating income, FY2021: 98.08M HKDOperating income, FY2022: 112.5M HKDOperating income, FY2023: 109.41M HKDOperating income, FY2024: 64.72M HKDOperating income, FY2025: 101.57M HKDNet income, FY2021: 71.67M HKDNet income, FY2022: 86.11M HKDNet income, FY2023: 86.45M HKDNet income, FY2024: 55.91M HKDNet income, FY2025: 82.61M HKDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 141.61M HKD. Revenue FY2022 159.01M HKD. Revenue FY2023 160.99M HKD. Revenue FY2024 176.02M HKD. Revenue FY2025 173.46M HKD. Operating income FY2021 98.08M HKD. Operating income FY2022 112.5M HKD. Operating income FY2023 109.41M HKD. Operating income FY2024 64.72M HKD. Operating income FY2025 101.57M HKD. Net income FY2021 71.67M HKD. Net income FY2022 86.11M HKD. Net income FY2023 86.45M HKD. Net income FY2024 55.91M HKD. Net income FY2025 82.61M HKD.
Metric (HKD)FY2025FY2024FY2023FY2022FY2021
Revenue173.46M HKD176.02M HKD160.99M HKD159.01M HKD141.61M HKD
Cost of goods sold8.91M HKD3.92M HKD
Gross profit164.55M HKD172.1M HKD160.99M HKD159.01M HKD141.61M HKD
Selling, general, and administrative5.7M HKD6.29M HKD5.19M HKD5.35M HKD
Operating expenses62.98M HKD107.39M HKD51.57M HKD57.06M HKD54.49M HKD
Interest income152.31M HKD158.26M HKD163.15M HKD142.91M HKD
Interest expense3.77M HKD3.92M HKD9.77M HKD12.44M HKD
Depreciation and amortization8.91M HKD8.5M HKD9.52M HKD9.44M HKD10.45M HKD
Operating income101.57M HKD64.72M HKD109.41M HKD112.5M HKD98.08M HKD
Net income82.61M HKD55.91M HKD86.45M HKD86.11M HKD71.67M HKD

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
0.01

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates0.070.050.030.01Q3 '21Q1 '22Q4 '22Q2 '23Q4 '23Q2 '24Q3 '24Q2 '25
Q3 2021, reported Aug 31, 2021: actual 0.01, estimate —, surprise —, Comparison unavailable. Q1 2022, reported Feb 28, 2022: actual 0.009, estimate —, surprise —, Comparison unavailable. Q4 2022, reported Oct 27, 2022: actual 0.011, estimate —, surprise —, Comparison unavailable. Q2 2023, reported May 25, 2023: actual 0.011, estimate —, surprise —, Comparison unavailable. Q4 2023, reported Oct 26, 2023: actual 0.026, estimate —, surprise —, Comparison unavailable. Q2 2024, reported May 28, 2024: actual 0.019, estimate —, surprise —, Comparison unavailable. Q3 2024, reported Aug 30, 2024: actual 0.016, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 27, 2025: actual 0.013, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates89.1M79.5M69.89M60.28MQ3 '21Q1 '22Q4 '22Q2 '23Q4 '23Q2 '24Q3 '24Q2 '25
Q3 2021, reported Aug 31, 2021: actual 68.44M HKD, estimate —, surprise —, Comparison unavailable. Q1 2022, reported Feb 28, 2022: actual 69.95M HKD, estimate —, surprise —, Comparison unavailable. Q4 2022, reported Oct 27, 2022: actual 77.73M HKD, estimate —, surprise —, Comparison unavailable. Q2 2023, reported May 25, 2023: actual 79.83M HKD, estimate —, surprise —, Comparison unavailable. Q4 2023, reported Oct 26, 2023: actual 85.68M HKD, estimate —, surprise —, Comparison unavailable. Q2 2024, reported May 28, 2024: actual 75.31M HKD, estimate —, surprise —, Comparison unavailable. Q3 2024, reported Aug 30, 2024: actual 63.71M HKD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 27, 2025: actual 82.87M HKD, estimate —, surprise —, Comparison unavailable.

Corporate actions

Corporate action history

Stock split

Effective Aug 4, 2015

4:1

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