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Public Financial Holdings Ltd.

  • Market Cap: N/A
  • Industry: Finance
  • ISIN: BMG7297B1054
HKD
1.36
0.00 (0.00%)

Dec 12

HKG

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
China Development Bank Financial Leasing Co. Ltd.
Genertec Universal Medical Group Co., Ltd.
AEON Credit Service (Asia) Co., Ltd.
SY Holdings Group Ltd.
Public Financial Holdings Ltd.
Sun Hung Kai & Co. Ltd.
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. ?
1
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 -181.12%
  • Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
2
The company has declared Negative results for the last 5 consecutive quarters
  • OPERATING CASH FLOW(Y) Lowest at HKD 195.27 MM
  • CASH AND EQV(HY) Lowest at HKD 138.79 MM
  • CREDIT DEPOSIT RATIO(HY) Lowest at 94.86%
3
Consistent Underperformance against the benchmark over the last 3 years
  • Along with generating -29.17% returns in the last 1 year, the stock has also underperformed Hang Seng Hong Kong in each of the last 3 annual periods
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. 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, Low Return

Absolute
Risk Adjusted
Volatility
Public Financial Holdings Ltd.
-28.42%
0.17
32.44%
Hang Seng Hong Kong
27.36%
1.03
25.88%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Sales Growth (5y)
1.78%
EBIT Growth (5y)
-28.73%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

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

Valuation Key Factors stock-summary
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
NA
Dividend Yield
1.52%
ROCE (Latest)
-1.93%
ROE (Latest)
-2.46%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bearish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

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

10What is working for the Company
PRE-TAX PROFIT(Q)

At HKD 64.29 MM has Grown at 2,173.97%

NET PROFIT(Q)

At HKD 9.19 MM has Grown at 192.02%

NII(Q)

Highest at HKD 530.82 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 869.57%

-5What is not working for the Company
OPERATING CASH FLOW(Y)

Lowest at HKD 195.27 MM

CASH AND EQV(HY)

Lowest at HKD 138.79 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 94.86%

Here's what is working for Public Financial Holdings Ltd.
Pre-Tax Profit
At HKD 64.29 MM has Grown at 2,173.97%
Year on Year (YoY)
MOJO Watch
Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (HKD MM)

Net Profit
At HKD 9.19 MM has Grown at 192.02%
Year on Year (YoY)
MOJO Watch
Near term Net Profit trend is very positive

Net Profit (HKD MM)

NII
Highest at HKD 530.82 MM
in the last five periods
MOJO Watch
The bank's income from core business is increasing

NII (HKD MM)

Dividend Payout Ratio
Highest at 869.57%
in the last five years
MOJO Watch
Company is distributing higher proportion of profits generated as dividend

DPR (%)

Here's what is not working for Public Financial Holdings Ltd.
Operating Cash Flow
Lowest at HKD 195.27 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)

Cash and Eqv
Lowest at HKD 138.79 MM
in the last six Semi-Annual periods
MOJO Watch
Short Term liquidity is deteriorating

Cash and Cash Equivalents

Credit Deposit Ratio
Lowest at 94.86%
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 (%)

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