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Hong Kong (HSI) Consumer Finance Industry Analysis
UpdatedSep 26, 2025
DataAggregated Company Financials
Companies25
- 7D2.7%
- 3M23.2%
- 1Y91.0%
- YTD87.5%
In the last week, the Consumer Finance industry is up 1.3%, with Fengyinhe Holdings up 30%. This means that the industry has gained 93% over the past year. As for the next few years, earnings are expected to grow by 16% 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, 26 Sep 2025 | HK$53.7b | HK$34.8b | HK$4.8b | 10.9x | 11.2x | 1.5x |
| Sun, 24 Aug 2025 | HK$51.0b | HK$26.1b | HK$2.7b | 11x | 19.1x | 2x |
| Tue, 22 Jul 2025 | HK$44.6b | HK$24.2b | HK$1.7b | 12.2x | 25.9x | 1.8x |
| Thu, 19 Jun 2025 | HK$40.1b | HK$24.2b | HK$1.3b | 13.5x | 31.3x | 1.7x |
| Sat, 17 May 2025 | HK$39.0b | HK$24.1b | HK$1.3b | 13.1x | 30.5x | 1.6x |
| Mon, 14 Apr 2025 | HK$35.3b | HK$23.9b | HK$1.3b | 13.2x | 27.7x | 1.5x |
| Wed, 12 Mar 2025 | HK$31.6b | HK$24.9b | HK$904.9m | 9.9x | 34.9x | 1.3x |
| Fri, 07 Feb 2025 | HK$28.8b | HK$22.5b | HK$778.1m | 10.9x | 37x | 1.3x |
| Sun, 05 Jan 2025 | HK$27.9b | HK$22.4b | HK$771.6m | 10.2x | 36.1x | 1.2x |
| Tue, 03 Dec 2024 | HK$27.1b | HK$22.5b | HK$765.8m | 9.8x | 35.4x | 1.2x |
| Thu, 31 Oct 2024 | HK$28.1b | HK$22.7b | HK$748.8m | 7.2x | 37.5x | 1.2x |
| Sat, 28 Sep 2024 | HK$28.2b | HK$22.9b | HK$805.6m | 6.8x | 35x | 1.2x |
| Mon, 26 Aug 2024 | HK$28.1b | HK$23.3b | HK$908.1m | 9.9x | 30.9x | 1.2x |
| Wed, 24 Jul 2024 | HK$27.5b | HK$21.6b | HK$408.0m | 10.9x | 67.5x | 1.3x |
| Fri, 21 Jun 2024 | HK$27.9b | HK$23.5b | HK$77.0m | 11.6x | 362.5x | 1.2x |
| Sun, 19 May 2024 | HK$29.2b | HK$23.6b | HK$86.8m | 11.3x | 336.4x | 1.2x |
| Tue, 16 Apr 2024 | HK$28.0b | HK$26.4b | -HK$580,983,932.53 | 10.3x | -48.3x | 1.1x |
| Thu, 14 Mar 2024 | HK$28.9b | HK$26.7b | -HK$1,469,723,179.32 | 10.3x | -19.6x | 1.1x |
| Sat, 10 Feb 2024 | HK$27.0b | HK$25.6b | -HK$1,502,702,516.49 | 9.3x | -18x | 1.1x |
| Mon, 08 Jan 2024 | HK$27.6b | HK$25.9b | -HK$1,525,053,415.00 | 10x | -18.1x | 1.1x |
| Wed, 06 Dec 2023 | HK$26.7b | HK$25.7b | -HK$1,624,643,833.00 | 7x | -16.5x | 1x |
| Fri, 03 Nov 2023 | HK$28.0b | HK$25.4b | -HK$1,522,605,672.00 | 6.7x | -18.4x | 1.1x |
| Sun, 01 Oct 2023 | HK$28.7b | HK$25.5b | -HK$1,534,343,930.00 | 7.2x | -18.7x | 1.1x |
| Tue, 29 Aug 2023 | HK$29.3b | HK$25.0b | -HK$1,834,559,349.00 | 6.5x | -15.9x | 1.2x |
| Thu, 27 Jul 2023 | HK$30.6b | HK$24.3b | -HK$2,108,380,849.00 | 6.2x | -14.5x | 1.3x |
| Sat, 24 Jun 2023 | HK$30.2b | HK$24.2b | -HK$2,219,365,770.00 | 6.1x | -13.6x | 1.2x |
| Mon, 22 May 2023 | HK$30.9b | HK$24.3b | -HK$2,213,486,883.00 | 8.9x | -13.9x | 1.3x |
| Wed, 19 Apr 2023 | HK$32.9b | HK$24.6b | -HK$2,204,902,500.00 | 12.3x | -14.9x | 1.3x |
| Fri, 17 Mar 2023 | HK$34.0b | HK$24.2b | HK$5.2b | 7.5x | 6.5x | 1.4x |
| Sun, 12 Feb 2023 | HK$36.3b | HK$22.8b | HK$5.4b | 8.6x | 6.8x | 1.6x |
| Tue, 10 Jan 2023 | HK$35.1b | HK$22.7b | HK$5.4b | 8.9x | 6.6x | 1.5x |
| Thu, 08 Dec 2022 | HK$41.2b | HK$22.2b | HK$5.2b | 10.2x | 7.9x | 1.9x |
| Sat, 05 Nov 2022 | HK$39.2b | HK$21.8b | HK$5.1b | 6x | 7.6x | 1.8x |
| Mon, 03 Oct 2022 | HK$41.4b | HK$22.1b | HK$5.2b | 6.2x | 8x | 1.9x |
Price to Earnings Ratio
8x
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 11.2x which is lower than its 3-year average PE of 32.1x.
- The 3-year average PS ratio of 1.4x is lower than the industry's current PS ratio of 1.5x.
Past Earnings Growth
- The earnings for companies in the Consumer Finance industry have declined 2.7% per year over the last three years.
- Meanwhile revenues for these companies have grown 16% per year.
- This means that although more sales are being generated, either the cost of doing business or the level of investment back into businesses has increased, which has decreased profits.
Industry Trends
Which industries have driven the changes within the Hong Kong Financials industry?
| HK Market | -1.75% | |
| Financials | -4.01% | |
| Consumer Finance | 2.67% | |
| Consumer Finance | 2.67% | |
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 | |
|---|---|---|---|---|---|
| 8030 Fengyinhe Holdings | HK$7.36 | 41.8% +HK$736.1m | 1,787.2% | PE40.8x | |
| 2858 Yixin Group | HK$2.86 | 3.6% +HK$678.0m | 276.3% | PE18.7x | |
| 622 Oshidori International Holdings | HK$0.52 | 4.0% +HK$123.7m | 306.3% | PE264.9x | |
| 8239 Capital Finance Holdings | HK$8.56 | 17.3% +HK$118.2m | 1,740.9% | PS29.3x | |
| 2003 VCREDIT Holdings | HK$3.58 | 7.5% +HK$110.6m | 71.3% | PE2.8x |