ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Oi Wah Pawnshop Credit Holdings Ltd. ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 7.61%
2
Poor long term growth as Net Sales has grown by an annual rate of -4.23% and Operating profit at -12.08%
3
Positive results in Aug 25
- DIVIDEND PAYOUT RATIO(Y) Highest at 50%
- DEBT-EQUITY RATIO (HY) Lowest at -20.02 %
- INTEREST COVERAGE RATIO(Q) Highest at 2,586.34
4
With ROE of 12.85%, it has a Very Attractive valuation with a 0.40 Price to Book Value
- Over the past year, while the stock has generated a return of 28.96%, its profits have fallen by -35.3%
- At the current price, the company has a high dividend yield of 628.7
5
Market Beating Performance
- The stock has generated a return of 28.96% in the last 1 year, much higher than market (Hang Seng Hong Kong) returns of 8.25%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Oi Wah Pawnshop Credit Holdings Ltd. should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Oi Wah Pawnshop Credit Holdings Ltd. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Oi Wah Pawnshop Credit Holdings Ltd.
-100.0%
0.52
39.05%
Hang Seng Hong Kong
8.25%
0.41
19.93%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-4.23%
EBIT Growth (5y)
-12.08%
EBIT to Interest (avg)
9.67
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
13.61%
Dividend Payout Ratio
50.00%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
12.86%
ROE (avg)
7.61%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
3
Industry P/E
Price to Book Value
0.40
EV to EBIT
3.23
EV to EBITDA
2.89
EV to Capital Employed
0.26
EV to Sales
1.32
PEG Ratio
NA
Dividend Yield
628.66%
ROCE (Latest)
7.93%
ROE (Latest)
12.85%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bearish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
DIVIDEND PAYOUT RATIO(Y)
Highest at 50%
DEBT-EQUITY RATIO
(HY)
Lowest at -20.02 %
INTEREST COVERAGE RATIO(Q)
Highest at 2,586.34
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
CASH AND EQV(HY)
Highest at HKD 293.29 MM
DEBTORS TURNOVER RATIO(HY)
Highest at 0.19 times
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Oi Wah Pawnshop Credit Holdings Ltd.
Interest Coverage Ratio
Highest at 2,586.34
in the last five periodsMOJO Watch
The company's ability to manage interest payments is improving
Operating Profit to Interest
Debt-Equity Ratio
Lowest at -20.02 % and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Dividend Payout Ratio
Highest at 50% and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Cash and Eqv
Highest at HKD 293.29 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Debtors Turnover Ratio
Highest at 0.19 times
in the last five Semi-Annual periodsMOJO Watch
Company has been able to sell its Debtors faster
Debtors Turnover Ratio
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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