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    Financial - Mortgages
Oi Wah Pawnshop Credit Holdings Limited

Oi Wah Pawnshop Credit Holdings Limited

1319.HK
Oi Wah Pawnshop Credit Holdings LimitedHK flagHong Kong Stock Exchange
0.30
HKD
- -
- -
567.67MMarket Cap
Oi Wah Pawnshop Credit Holdings Limited
1319.HK
(Hong Kong Stock Exchange)

Recent

price

0.30

P/E

ratio

- -

div

yld

- -

ROIC.AI

2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
FRC
1.68
1.81
0.06
0.07
0.08
0.09
0.09
0.1
0.1
0.09
0.07
0.08
0.09
0.09
- -
Revenue per Share
0.83
0.57
0.03
0.04
0.04
0.05
0.05
0.05
0.06
0.05
0.04
0.04
0.04
0.03
- -
Basic EPS, GAAP
0.19
-1.3
-0.14
-0.05
-0.12
-0.05
0.02
0.08
0.13
0.24
0.06
0.03
0.04
0.08
- -
Free Cash Flow per Basic Share
0.02
0.15
- -
0.01
0.01
0.01
0.01
0.01
0.02
0.02
0.02
0.02
0.02
0.01
- -
Dividend per Share
3.37
3.42
0.11
0.13
0.18
0.22
0.27
0.34
0.4
0.45
0.47
0.5
0.52
0.54
- -
Book Value per Share
3.37
4.85
0.2
0.22
0.32
0.35
0.37
0.42
0.46
0.49
0.51
0.53
0.56
0.58
- -
Tangible Book Value per Share
40
40
1,588
2,039
2,097
2,129
2,120
1,972
1,938
1,933
1,931
1,928
1,927
1,926
- -
Basic Weighted Avg Shares
67
73
95
145
169
185
184
188
189
167
142
159
178
172
168
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
1
1
- -
1
1
1
12
11
10
9
10
8
9
Depreciation Expense
33
23
41
80
91
103
101
101
107
93
72
86
86
56
83
Net Income, GAAP
16.52
25.08
17.82
16.68
16.46
16.42
16.39
17.07
16.29
16.89
16.31
16.18
16.3
13.61
15.48
Effective Tax Rate (%)
49.77
31.31
43.31
55.11
54.17
55.78
54.85
53.73
56.87
55.8
50.61
54.15
48.59
32.49
49.04
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
4
69
194
288
446
597
665
606
519
262
168
111
97
71
63
LT Debt
135
194
324
452
667
738
788
823
895
949
983
1,030
1,080
1,108
1,156
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
16.71
25.78
36.06
28.87
24.45
19.25
16.16
14.76
11.25
8.04
9.23
8.81
5.44
7.71
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.68%
4.03%
4.31%
Free Cash Flow
32.94%
7.26%
32.66%
Net Income, GAAP
1.38%
1.98%
47.76%
Sales/Revenue/Turnover
0.38%
0.72%
-2.13%
Total Cash Common Dividend
8.45%
-0.03%
29.09%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
178
2025
- -
- -
- -
- -
172
2026
- -
- -
- -
- -
168

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.04
2025
- -
- -
- -
- -
0.03
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.02
2025
- -
- -
- -
- -
0.01
2026
- -
- -
- -
- -
- -
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Business
Oi Wah Pawnshop Credit Holdings Limited is an investment holding company principally engaged in providing secured financing services in Hong Kong, including pawn loans, mortgage loans, pawn broking, money lending and consulting services. The group operates 10 pawnshops and one premium service center across various locations in Hong Kong under brands such as Cheung Wah Pawnshop, Ho Wah Pawnshop and Sung Wah Pawnshop; it diversified into mortgage loans in 2009 and listed on the Main Board of The Stock Exchange of Hong Kong Limited in March 2013. Founded in 1975 with its first pawnshop in Mongkok, the company is headquartered at Rooms 2302-2303, Kwan Chart Tower, No. 6 Tonnochy Road, Wan Chai, Hong Kong, and is a subsidiary of Kwan Lik Holding Limited. In recent developments, Oi Wah entered into a subscription agreement in March 2024 to invest HK$112 million in limited partnership interests of PACM OW Global Special Situation Fund II L.P., a Cayman Islands exempted limited partnership managed in partnership with PACM Group (Holdings) Limited, targeting real estate private credit opportunities in Hong Kong and overseas developed markets; this strategic alliance aims to diversify revenue streams and expand into institutional investment management. The group reported interim results for the six months ended 31 August 2025 with revenue of HK$82 million and net profit attributable to shareholders of HK$38.4 million, up 25.7% year-on-year, driven by pawn loan interest income growth and gains from repossessed assets amid rising gold prices; it proposed an interim dividend of HK 1.0 cent per share, payable in November 2025. In November 2025, the company appointed Ms. Mak Siu Yee as non-executive director following the resignation of Mr. Ng Siu Hong, while continuing to explore pawnshop acquisitions and strategic shop expansions to enhance market position.