Public Financial Holdings Ltd. (626) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

China Development Bank Financial Leasing Co. Ltd.

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Public Financial Holdings Ltd.

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Yixin Group Ltd.

Allied Group Ltd.

China Aircraft Leasing Group Holdings Ltd.

Hao Tian International Construction Investment Group Ltd.

Alliance International Education Leasing Holdings Ltd.

Why is Public Financial Holdings Ltd. ?

Weak Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.03%

Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at -23.00%
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets

The company has declared Negative results for the last 5 consecutive quarters

OPERATING CASH FLOW(Y) Lowest at HKD 52.35 MM
ROCE(HY) Lowest at 0.19%
CREDIT DEPOSIT RATIO(HY) Lowest at 84.75%

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Public Financial Holdings Ltd. for you?

Low Risk, Medium Return

Absolute

Risk Adjusted

Volatility

Public Financial Holdings Ltd.

-100.0%

0.54

28.96%

Hang Seng Hong Kong

8.25%

0.41

19.93%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

3.26%

EBIT Growth (5y)

-8.10%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

96.42%

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

NA (Loss Making)

Industry P/E

Price to Book Value

0.19

EV to EBIT

-18.24

EV to EBITDA

-39.72

EV to Capital Employed

0.35

EV to Sales

1.69

PEG Ratio

Dividend Yield

1.52%

ROCE (Latest)

-1.93%

ROE (Latest)

-2.46%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Mildly Bullish

RSI

Bearish

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bullish

Mildly Bullish

Dow Theory

Mildly Bullish

No Trend

OBV

Mildly Bearish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

16What is working for the Company

ROCE(HY)

Highest at 0.19%

NII(Q)

Highest at HKD 623.34 MM

CASH AND EQV(HY)

Highest at HKD 4,115.07 MM

OPERATING PROFIT(Q)

Highest at HKD 139.74 MM

OPERATING PROFIT MARGIN(Q)

Highest at 14.51 %

PRE-TAX PROFIT(Q)

Highest at HKD 138.38 MM

NET PROFIT(Q)

Highest at HKD 105.5 MM

EPS(Q)

Highest at HKD 0.07

-7What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at HKD 52.35 MM

ROCE(HY)

Lowest at 0.19%

CREDIT DEPOSIT RATIO(HY)

Lowest at 84.75%

NET SALES(Q)

Lowest at HKD 962.88 MM

Here's what is working for Public Financial Holdings Ltd.

Pre-Tax Profit

At HKD 138.38 MM has Grown at 192.12%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (HKD MM)

Net Profit

At HKD 105.5 MM has Grown at 182.88%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (HKD MM)

NII

Highest at HKD 623.34 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (HKD MM)

Operating Profit

Highest at HKD 139.74 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (HKD MM)

Operating Profit Margin

Highest at 14.51 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at HKD 138.38 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (HKD MM)

Net Profit

Highest at HKD 105.5 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (HKD MM)

EPS

Highest at HKD 0.07

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (HKD)

Cash and Eqv

Highest at HKD 4,115.07 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Depreciation

Highest at HKD 53.44 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (HKD MM)

Here's what is not working for Public Financial Holdings Ltd.

Operating Cash Flow

Lowest at HKD 52.35 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (HKD MM)

Net Sales

Lowest at HKD 962.88 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (HKD MM)

Credit Deposit Ratio

Lowest at 84.75%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)