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Hong Kong (HSI) Consumer Finance Industry Analysis
UpdatedJul 31, 2026
DataAggregated Company Financials
Companies25
- 7D2.1%
- 3M-1.2%
- 1Y24.1%
- YTD0.7%
The Consumer Finance industry is up 7.2% in the last week, with Oshidori International Holdings up 10.0%. Meanwhile, Yixin Group actually underperformed within the industry, shrinking 6.3% in the last week. This takes the industry's 12 month performance to a gain of 21%. As for the next few years, earnings are expected to grow by 11% per annum.
Industry Valuation and Performance
Has the Hong Kong Consumer Finance Industry valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Fri, 31 Jul 2026 | HK$57.0b | HK$36.6b | HK$5.7b | 7x | 9.9x | 1.6x |
| Sun, 28 Jun 2026 | HK$52.3b | HK$36.5b | HK$5.7b | 7x | 9.1x | 1.4x |
| Tue, 26 May 2026 | HK$54.0b | HK$36.4b | HK$5.7b | 7.4x | 9.5x | 1.5x |
| Thu, 23 Apr 2026 | HK$59.2b | HK$36.4b | HK$5.7b | 9.2x | 10.5x | 1.6x |
| Sat, 21 Mar 2026 | HK$62.0b | HK$39.2b | HK$5.6b | 8.7x | 11x | 1.6x |
| Mon, 16 Feb 2026 | HK$60.9b | HK$35.5b | HK$4.9b | 10.3x | 12.4x | 1.7x |
| Wed, 14 Jan 2026 | HK$57.4b | HK$35.3b | HK$4.9b | 9.8x | 11.7x | 1.6x |
| Fri, 12 Dec 2025 | HK$57.6b | HK$35.0b | HK$4.9b | 9.8x | 11.9x | 1.6x |
| Sun, 09 Nov 2025 | HK$50.7b | HK$34.9b | HK$4.8b | 9.9x | 10.5x | 1.5x |
| Tue, 07 Oct 2025 | HK$54.3b | HK$34.9b | HK$4.8b | 10.7x | 11.2x | 1.6x |
| Thu, 04 Sep 2025 | HK$53.4b | HK$34.8b | HK$4.8b | 10.7x | 11.2x | 1.5x |
| Sat, 02 Aug 2025 | HK$43.2b | HK$24.1b | HK$1.7b | 12.3x | 25.2x | 1.8x |
| Mon, 30 Jun 2025 | HK$41.1b | HK$24.2b | HK$1.3b | 13.2x | 30.9x | 1.7x |
| Wed, 28 May 2025 | HK$37.6b | HK$24.2b | HK$1.3b | 13.5x | 29.2x | 1.6x |
| Fri, 25 Apr 2025 | HK$37.4b | HK$23.9b | HK$1.3b | 12.2x | 29.3x | 1.6x |
| Sun, 23 Mar 2025 | HK$35.5b | HK$23.6b | HK$1.4b | 11.5x | 25.5x | 1.5x |
| Tue, 18 Feb 2025 | HK$29.8b | HK$22.5b | HK$781.7m | 10.7x | 38.2x | 1.3x |
| Thu, 16 Jan 2025 | HK$27.2b | HK$22.4b | HK$771.1m | 9.1x | 35.3x | 1.2x |
| Sat, 14 Dec 2024 | HK$29.1b | HK$22.5b | HK$764.6m | 10.1x | 38.1x | 1.3x |
| Mon, 11 Nov 2024 | HK$28.4b | HK$22.6b | HK$739.5m | 10.3x | 38.4x | 1.3x |
| Wed, 09 Oct 2024 | HK$30.3b | HK$22.9b | HK$798.1m | 7.5x | 38x | 1.3x |
| Fri, 06 Sep 2024 | HK$26.7b | HK$22.8b | HK$813.4m | 6.2x | 32.8x | 1.2x |
| Sun, 04 Aug 2024 | HK$28.0b | HK$21.8b | HK$430.0m | 10.7x | 65.2x | 1.3x |
| Tue, 02 Jul 2024 | HK$27.4b | HK$21.6b | HK$409.9m | 10.9x | 66.7x | 1.3x |
| Thu, 30 May 2024 | HK$28.6b | HK$23.6b | HK$79.3m | 12x | 360.8x | 1.2x |
| Sat, 27 Apr 2024 | HK$27.3b | HK$23.6b | HK$71.2m | 10.3x | 383.6x | 1.2x |
| Mon, 25 Mar 2024 | HK$28.1b | HK$26.5b | -HK$544,983,436.68 | 11.7x | -51.6x | 1.1x |
| Wed, 21 Feb 2024 | HK$27.0b | HK$25.5b | -HK$1,515,632,139.81 | 9.4x | -17.8x | 1.1x |
| Fri, 19 Jan 2024 | HK$27.0b | HK$25.8b | -HK$1,530,358,081.00 | 9.2x | -17.7x | 1x |
| Sun, 17 Dec 2023 | HK$26.5b | HK$25.7b | -HK$1,608,486,022.00 | 7x | -16.5x | 1x |
| Tue, 14 Nov 2023 | HK$27.1b | HK$25.5b | -HK$1,548,859,149.00 | 7.5x | -17.5x | 1.1x |
| Thu, 12 Oct 2023 | HK$28.7b | HK$25.5b | -HK$1,535,728,100.00 | 7.3x | -18.7x | 1.1x |
| Sat, 09 Sep 2023 | HK$29.7b | HK$25.6b | -HK$1,538,439,167.00 | 7x | -19.3x | 1.2x |
| Mon, 07 Aug 2023 | HK$30.7b | HK$24.2b | -HK$2,109,960,144.00 | 5.9x | -14.5x | 1.3x |
Price to Earnings Ratio
-14.5x
Current Industry PE
- Investors are pessimistic on the Hong Kong Consumer Finance industry, indicating that they anticipate long term growth rates will be lower than they have historically.
- The industry is trading at a PE ratio of 9.9x which is lower than its 3-year average PE of 35.6x.
- The 3-year average PS ratio of 1.4x is lower than the industry's current PS ratio of 1.5x.
Past Earnings Growth
- Total earnings for the Consumer Finance industry have gone up over the last three years, and the industry is now profitable. Revenues have grown 15% per year.
- This means that more sales are being generated by the industry overall, and subsequently profits are increasing too.
Industry Trends
Which industries have driven the changes within the Hong Kong Financials industry?
| HK Market | 2.13% | |
| Financials | 5.54% | |
| Consumer Finance | 2.06% | |
| Consumer Finance | 2.06% | |
Industry PEThere are no additional sub-industries under this industry.
Forecasted GrowthThere are no additional sub-industries under this industry.
Top Stock Gainers and Losers
Which companies have driven the market over the last 7 days?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| 622 Oshidori International Holdings | HK$2.75 | 10.0% +HK$1.7b | 491.4% | PE106.6x | |
| 8239 Capital Finance Holdings | HK$20.36 | 6.2% +HK$111.7m | 534.3% | PS47.1x | |
| 373 Allied Group | HK$2.19 | 0.5% +HK$35.1m | 31.9% | PE3.5x | |
| 8030 Fengyinhe Holdings | HK$1.48 | 5.7% +HK$27.9m | -57.6% | PE9.4x | |
| 1543 Guangdong Join-Share Financing Guarantee Investment | HK$0.19 | 5.0% +HK$14.0m | -40.9% | PE24.5x |