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 Feb 25
- DIVIDEND PAYOUT RATIO(Y) Highest at 61.36%
- RAW MATERIAL COST(Y) Fallen by 0% (YoY)
- CASH AND EQV(HY) Highest at HKD 215.66 MM
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 18.94%, its profits have fallen by -35.3%
- At the current price, the company has a high dividend yield of 628.7
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?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Oi Wah Pawnshop Credit Holdings Ltd.
18.94%
0.40
34.64%
Hang Seng Hong Kong
27.36%
1.03
25.88%
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
Bullish
Bullish
RSI
Bullish
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bullish
Dow Theory
Bearish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
DIVIDEND PAYOUT RATIO(Y)
Highest at 61.36%
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
CASH AND EQV(HY)
Highest at HKD 215.66 MM
DEBT-EQUITY RATIO
(HY)
Lowest at -13.09 %
-6What is not working for the Company
ROCE(HY)
Lowest at 5.11%
NET SALES(Q)
Lowest at HKD 82.87 MM
PRE-TAX PROFIT(Q)
Lowest at HKD 28.75 MM
NET PROFIT(Q)
Lowest at HKD 25.37 MM
EPS(Q)
Lowest at HKD 0.01
Here's what is working for Oi Wah Pawnshop Credit Holdings Ltd.
Cash and Eqv
Highest at HKD 215.66 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Debt-Equity Ratio
Lowest at -13.09 %
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 61.36%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
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
Here's what is not working for Oi Wah Pawnshop Credit Holdings Ltd.
Net Sales
Lowest at HKD 82.87 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (HKD MM)
Pre-Tax Profit
Lowest at HKD 28.75 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (HKD MM)
Net Profit
Lowest at HKD 25.37 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (HKD MM)
EPS
Lowest at HKD 0.01
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (HKD)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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