Public Financial Holdings Limited Logo

Public Financial Holdings Limited

0626.HK

(2.5)
Stock Price

1,74 HKD

0.84% ROA

0.16% ROE

4.64x PER

Market Cap.

1.526.108.800,00 HKD

19.24% DER

10.07% Yield

0.66% NPM

Public Financial Holdings Limited Stock Analysis

Public Financial Holdings Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Public Financial Holdings Limited Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.23x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a low debt to equity ratio (19%), which means it has a small amount of debt compared to the ownership it holds

3 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

4 ROE

ROE in an average range (3.82%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (0.84%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

7 Buffet Intrinsic Value

The company's stock seems undervalued (7) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

8 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

9 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

10 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

11 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

Public Financial Holdings Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Public Financial Holdings Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Public Financial Holdings Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Public Financial Holdings Limited Revenue
Year Revenue Growth
2004 899.678.000
2005 900.227.000 0.06%
2006 906.641.000 0.71%
2007 1.216.487.000 25.47%
2008 1.353.860.000 10.15%
2009 903.979.000 -49.77%
2010 1.521.219.000 40.58%
2011 1.202.387.000 -26.52%
2012 1.516.119.000 20.69%
2013 1.536.732.000 1.34%
2014 1.472.072.000 -4.39%
2015 1.572.042.000 6.36%
2016 1.550.507.000 -1.39%
2017 1.615.046.000 4%
2018 1.655.172.000 2.42%
2019 1.666.840.000 0.7%
2020 1.523.211.000 -9.43%
2021 1.522.586.000 -0.04%
2022 1.360.192.000 -11.94%
2023 1.208.569.000 -12.55%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Public Financial Holdings Limited Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Public Financial Holdings Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 56.372.000 100%
2010 67.005.000 15.87%
2011 69.122.000 3.06%
2012 70.997.000 2.64%
2013 73.496.000 3.4%
2014 70.927.000 -3.62%
2015 72.296.000 1.89%
2016 77.147.000 6.29%
2017 82.151.000 6.09%
2018 82.556.000 0.49%
2019 86.790.000 4.88%
2020 83.875.000 -3.48%
2021 74.821.000 -12.1%
2022 75.418.000 0.79%
2023 72.931.000 -3.41%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Public Financial Holdings Limited EBITDA
Year EBITDA Growth
2004 506.533.000
2005 566.502.000 10.59%
2006 1.130.467.000 49.89%
2007 1.721.657.000 34.34%
2008 1.104.710.000 -55.85%
2009 646.908.000 -70.77%
2010 858.171.000 24.62%
2011 877.445.000 2.2%
2012 892.011.000 1.63%
2013 820.751.000 -8.68%
2014 886.558.000 7.42%
2015 889.533.000 0.33%
2016 853.059.000 -4.28%
2017 1.032.407.000 17.37%
2018 1.133.464.000 8.92%
2019 661.984.000 -71.22%
2020 585.695.000 -13.03%
2021 704.114.000 16.82%
2022 858.761.000 18.01%
2023 144.213.000 -495.48%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Public Financial Holdings Limited Gross Profit
Year Gross Profit Growth
2004 899.678.000
2005 900.227.000 0.06%
2006 906.641.000 0.71%
2007 1.216.487.000 25.47%
2008 1.353.860.000 10.15%
2009 903.979.000 -49.77%
2010 1.521.219.000 40.58%
2011 1.202.387.000 -26.52%
2012 1.516.119.000 20.69%
2013 1.536.732.000 1.34%
2014 1.472.072.000 -4.39%
2015 1.572.042.000 6.36%
2016 1.550.507.000 -1.39%
2017 1.615.046.000 4%
2018 1.655.172.000 2.42%
2019 1.666.840.000 0.7%
2020 1.523.211.000 -9.43%
2021 1.522.586.000 -0.04%
2022 1.360.192.000 -11.94%
2023 1.208.569.000 -12.55%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Public Financial Holdings Limited Net Profit
Year Net Profit Growth
2004 412.889.000
2005 446.297.000 7.49%
2006 496.637.000 10.14%
2007 665.331.000 25.35%
2008 358.187.000 -85.75%
2009 275.073.000 -30.22%
2010 450.497.000 38.94%
2011 374.869.000 -20.17%
2012 381.571.000 1.76%
2013 367.761.000 -3.76%
2014 384.390.000 4.33%
2015 422.955.000 9.12%
2016 406.561.000 -4.03%
2017 503.514.000 19.26%
2018 510.478.000 1.36%
2019 466.340.000 -9.46%
2020 396.997.000 -17.47%
2021 496.461.000 20.03%
2022 328.697.000 -51.04%
2023 14.381.000 -2185.63%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Public Financial Holdings Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 1
2005 1 0%
2006 1 0%
2007 1 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Public Financial Holdings Limited Free Cashflow
Year Free Cashflow Growth
2004 779.236.000
2005 42.917.000 -1715.68%
2006 -163.682.000 126.22%
2007 5.171.242.000 103.17%
2008 -2.911.896.000 277.59%
2009 4.283.750.000 167.98%
2010 -1.091.909.000 492.32%
2011 -542.220.000 -101.38%
2012 -2.056.645.000 73.64%
2013 1.317.240.000 256.13%
2014 -477.764.000 375.71%
2015 -253.069.000 -88.79%
2016 1.383.481.000 118.29%
2017 -560.133.000 346.99%
2018 -30.952.000 -1709.68%
2019 283.796.500 110.91%
2020 1.375.796.000 79.37%
2021 -765.041.000 279.83%
2022 -484.060.000 -58.05%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Public Financial Holdings Limited Operating Cashflow
Year Operating Cashflow Growth
2004 780.966.000
2005 44.710.000 -1646.74%
2006 -157.638.000 128.36%
2007 5.208.211.000 103.03%
2008 -2.827.172.000 284.22%
2009 4.314.066.000 165.53%
2010 -1.072.547.000 502.23%
2011 -525.552.000 -104.08%
2012 -2.032.246.000 74.14%
2013 1.337.924.000 251.9%
2014 -456.827.000 392.87%
2015 -235.647.000 -93.86%
2016 1.423.232.000 116.56%
2017 -533.997.000 366.52%
2018 3.824.000 14064.36%
2019 296.118.750 98.71%
2020 1.432.345.000 79.33%
2021 -735.560.000 294.73%
2022 -375.045.000 -96.13%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Public Financial Holdings Limited Capital Expenditure
Year Capital Expenditure Growth
2004 1.730.000
2005 1.793.000 3.51%
2006 6.044.000 70.33%
2007 36.969.000 83.65%
2008 84.724.000 56.37%
2009 30.316.000 -179.47%
2010 19.362.000 -56.57%
2011 16.668.000 -16.16%
2012 24.399.000 31.69%
2013 20.684.000 -17.96%
2014 20.937.000 1.21%
2015 17.422.000 -20.18%
2016 39.751.000 56.17%
2017 26.136.000 -52.09%
2018 34.776.000 24.84%
2019 12.322.250 -182.22%
2020 56.549.000 78.21%
2021 29.481.000 -91.82%
2022 109.015.000 72.96%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Public Financial Holdings Limited Equity
Year Equity Growth
2004 2.166.537.000
2005 2.393.434.000 9.48%
2006 5.320.048.000 55.01%
2007 5.654.221.000 5.91%
2008 5.769.506.000 2%
2009 5.832.218.000 1.08%
2010 6.065.357.000 3.84%
2011 6.281.799.000 3.45%
2012 6.525.293.000 3.73%
2013 6.731.048.000 3.06%
2014 6.923.192.000 2.78%
2015 7.122.551.000 2.8%
2016 7.279.305.000 2.15%
2017 7.621.251.000 4.49%
2018 7.747.810.000 1.63%
2019 7.977.386.000 2.88%
2020 8.265.141.000 3.48%
2021 8.569.308.000 3.55%
2022 8.644.580.000 0.87%
2023 8.753.545.000 1.24%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Public Financial Holdings Limited Assets
Year Assets Growth
2004 4.293.679.000
2005 4.463.422.000 3.8%
2006 24.244.397.000 81.59%
2007 32.678.812.000 25.81%
2008 35.329.665.000 7.5%
2009 39.373.054.000 10.27%
2010 40.329.638.000 2.37%
2011 39.967.365.000 -0.91%
2012 40.535.842.000 1.4%
2013 41.147.618.000 1.49%
2014 42.549.145.000 3.29%
2015 43.821.062.000 2.9%
2016 45.232.535.000 3.12%
2017 45.776.719.000 1.19%
2018 45.750.890.000 -0.06%
2019 45.222.840.000 -1.17%
2020 45.438.323.000 0.47%
2021 43.528.152.000 -4.39%
2022 41.917.931.000 -3.84%
2023 39.961.483.000 -4.9%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Public Financial Holdings Limited Liabilities
Year Liabilities Growth
2004 2.127.142.000
2005 2.069.988.000 -2.76%
2006 18.924.349.000 89.06%
2007 27.024.591.000 29.97%
2008 29.560.159.000 8.58%
2009 33.540.836.000 11.87%
2010 34.264.281.000 2.11%
2011 33.685.566.000 -1.72%
2012 34.010.549.000 0.96%
2013 34.416.570.000 1.18%
2014 35.625.953.000 3.39%
2015 36.698.511.000 2.92%
2016 37.953.230.000 3.31%
2017 38.155.468.000 0.53%
2018 38.003.080.000 -0.4%
2019 37.245.454.000 -2.03%
2020 37.173.182.000 -0.19%
2021 34.958.844.000 -6.33%
2022 33.273.351.000 -5.07%
2023 31.207.938.000 -6.62%

Public Financial Holdings Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1.24
Net Income per Share
0.3
Price to Earning Ratio
4.64x
Price To Sales Ratio
1.12x
POCF Ratio
-4.07
PFCF Ratio
-3.15
Price to Book Ratio
0.18
EV to Sales
-1.5
EV Over EBITDA
-2.38
EV to Operating CashFlow
5.45
EV to FreeCashFlow
4.22
Earnings Yield
0.22
FreeCashFlow Yield
-0.32
Market Cap
1,53 Bil.
Enterprise Value
-2,04 Bil.
Graham Number
7.28
Graham NetNet
-25.29

Income Statement Metrics

Net Income per Share
0.3
Income Quality
-0.92
ROE
0.04
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.35
EBT Per Ebit
0.57
Ebit per Revenue
0.03
Effective Tax Rate
0.65

Margins

Sales, General, & Administrative to Revenue
0.06
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.03
Pretax Profit Margin
0.02
Net Profit Margin
0.01

Dividends

Dividend Yield
0.1
Dividend Yield %
10.07
Payout Ratio
0.67
Dividend Per Share
0.14

Operating Metrics

Operating Cashflow per Share
-0.34
Free CashFlow per Share
-0.44
Capex to Operating CashFlow
0.29
Capex to Revenue
-0.08
Capex to Depreciation
-1.07
Return on Invested Capital
0.06
Return on Tangible Assets
0.01
Days Sales Outstanding
97.11
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
3.76
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.1

Balance Sheet

Cash per Share
4,77
Book Value per Share
7,87
Tangible Book Value per Share
5.35
Shareholders Equity per Share
7.87
Interest Debt per Share
1.83
Debt to Equity
0.19
Debt to Assets
0.04
Net Debt to EBITDA
-4.16
Current Ratio
12.65
Tangible Asset Value
5,87 Bil.
Net Current Asset Value
-27,68 Bil.
Invested Capital
0.19
Working Capital
5,15 Bil.
Intangibles to Total Assets
0.07
Average Receivables
0,32 Bil.
Average Payables
0,38 Bil.
Average Inventory
0
Debt to Market Cap
1.09

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Public Financial Holdings Limited Dividends
Year Dividends Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 2 100%
2005 1 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

Public Financial Holdings Limited Profile

About Public Financial Holdings Limited

Public Financial Holdings Limited, an investment and property holding company, provides various banking and financial services in Hong Kong and Mainland China. It operates through three segments: Retail and Commercial Banking; Wealth Management, Stockbroking Services, and Securities Management; and Other Businesses. The Retail and Commercial Banking segment offers various products and services, including deposit accounts; mortgages and consumer lending products; hire purchase and leasing; financing to purchasers of licensed public vehicles, such as taxis and public light buses; services and financing for customers in trading, manufacturing, and various other business sectors; foreign exchange services; and cash management services for deposit taking and lending, interest rate risk management, and fund management services. The Wealth Management Services, Stockbroking, and Securities Management segment is involved in the management of investments in debt securities and equities; securities dealing and commission income receipt; and provision of wealth management products and services. The Other Businesses segment engages in trading of taxi cabs and taxi licenses; leasing taxis; and letting investment properties. It This has a combined network of 78 branches in Hong Kong and 5 branches in the Mainland China. Public Financial Holdings Limited also provides personal and property mortgage loans, nominee services, and insurance products. The company was formerly known as JCG Holdings Limited. The company was incorporated in 1991 and is headquartered in Central, Hong Kong. Public Financial Holdings Limited operates as a subsidiary of Public Bank Berhad.

CEO
Mr. Yam Kiang Chong
Employee
1.201
Address
Public Bank Centre
Central,

Public Financial Holdings Limited Executives & BODs

Public Financial Holdings Limited Executives & BODs
# Name Age
1 Ms. Sau Kuen Chan
Company Secretary
70
2 Mr. Yam Kiang Chong
Chief Executive Officer & Executive Director
70

Public Financial Holdings Limited Competitors