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Hong Kong (HSI) Consumer Finance Industry Analysis
UpdatedMay 27, 2025
DataAggregated Company Financials
Companies26
- 7D-3.8%
- 3M19.7%
- 1Y38.7%
- YTDn/a
Over the last 7 days, the Consumer Finance industry has dropped 3.8%, driven by a pullback from Yixin Group of 11%. Meanwhile, Oshidori International Holdings actually outperformed within the industry, gaining 9.8% in the last week. This takes the industry's 12 month performance to a gain of 39%. Looking forward, earnings are forecast to grow by 23% annually.
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 |
|---|---|---|---|---|---|---|
| Tue, 27 May 2025 | HK$37.5b | HK$24.2b | HK$1.3b | 13.5x | 29.1x | 1.5x |
| Thu, 24 Apr 2025 | HK$36.2b | HK$23.9b | HK$1.3b | 12.6x | 28.4x | 1.5x |
| Sat, 22 Mar 2025 | HK$35.5b | HK$24.6b | HK$1.4b | 11.5x | 25.5x | 1.4x |
| Mon, 17 Feb 2025 | HK$29.5b | HK$22.5b | HK$783.5m | 10.3x | 37.7x | 1.3x |
| Wed, 15 Jan 2025 | HK$27.4b | HK$22.4b | HK$770.8m | 9.1x | 35.6x | 1.2x |
| Fri, 13 Dec 2024 | HK$29.7b | HK$22.5b | HK$766.0m | 9.8x | 38.7x | 1.3x |
| Sun, 10 Nov 2024 | HK$28.4b | HK$22.6b | HK$739.5m | 10.3x | 38.4x | 1.3x |
| Tue, 08 Oct 2024 | HK$32.4b | HK$22.9b | HK$802.9m | 7.9x | 40.4x | 1.4x |
| Thu, 05 Sep 2024 | HK$26.8b | HK$22.7b | HK$810.2m | 6.2x | 33.1x | 1.2x |
| Sat, 03 Aug 2024 | HK$28.0b | HK$21.7b | HK$422.8m | 10.7x | 66.3x | 1.3x |
| Mon, 01 Jul 2024 | HK$27.4b | HK$21.6b | HK$409.7m | 10.9x | 66.8x | 1.3x |
| Wed, 29 May 2024 | HK$28.5b | HK$23.6b | HK$80.1m | 12x | 356.3x | 1.2x |
| Fri, 26 Apr 2024 | HK$27.0b | HK$23.6b | HK$70.9m | 10.1x | 380.7x | 1.1x |
| Sun, 24 Mar 2024 | HK$28.1b | HK$26.5b | -HK$556,818,945.10 | 11.7x | -50.5x | 1.1x |
| Tue, 20 Feb 2024 | HK$27.2b | HK$25.5b | -HK$1,515,657,638.07 | 9.4x | -17.9x | 1.1x |
| Thu, 18 Jan 2024 | HK$26.9b | HK$25.9b | -HK$1,530,164,227.00 | 9.2x | -17.5x | 1x |
| Sat, 16 Dec 2023 | HK$26.5b | HK$25.8b | -HK$1,621,595,660.00 | 6.9x | -16.3x | 1x |
| Mon, 13 Nov 2023 | HK$27.1b | HK$25.5b | -HK$1,548,532,586.00 | 7.4x | -17.5x | 1.1x |
| Wed, 11 Oct 2023 | HK$28.6b | HK$25.5b | -HK$1,535,153,659.00 | 7.1x | -18.6x | 1.1x |
| Fri, 08 Sep 2023 | HK$29.7b | HK$25.6b | -HK$1,536,862,542.00 | 7x | -19.3x | 1.2x |
| Sun, 06 Aug 2023 | HK$30.7b | HK$24.2b | -HK$2,109,960,144.00 | 5.9x | -14.5x | 1.3x |
| Tue, 04 Jul 2023 | HK$30.5b | HK$24.2b | -HK$2,116,787,996.00 | 6.2x | -14.4x | 1.3x |
| Thu, 01 Jun 2023 | HK$30.0b | HK$24.2b | -HK$2,215,035,036.00 | 8.2x | -13.5x | 1.2x |
| Sat, 29 Apr 2023 | HK$31.7b | HK$24.5b | -HK$2,216,872,381.00 | 12.6x | -14.3x | 1.3x |
| Mon, 27 Mar 2023 | HK$34.0b | HK$22.4b | HK$3.7b | 8.2x | 9.2x | 1.5x |
| Wed, 22 Feb 2023 | HK$35.5b | HK$22.7b | HK$5.3b | 8.4x | 6.7x | 1.6x |
| Fri, 20 Jan 2023 | HK$34.6b | HK$22.8b | HK$5.4b | 7.8x | 6.5x | 1.5x |
| Sun, 18 Dec 2022 | HK$42.9b | HK$22.3b | HK$5.3b | 10.7x | 8.1x | 1.9x |
| Tue, 15 Nov 2022 | HK$40.7b | HK$22.1b | HK$5.2b | 6.7x | 7.8x | 1.8x |
| Thu, 13 Oct 2022 | HK$40.4b | HK$22.0b | HK$5.2b | 6.6x | 7.8x | 1.8x |
| Sat, 10 Sep 2022 | HK$47.0b | HK$22.3b | HK$5.2b | 6.6x | 9x | 2.1x |
| Mon, 08 Aug 2022 | HK$52.0b | HK$22.4b | HK$11.3b | 7.6x | 4.6x | 2.3x |
| Wed, 06 Jul 2022 | HK$50.5b | HK$22.5b | HK$11.3b | 8x | 4.5x | 2.2x |
| Fri, 03 Jun 2022 | HK$51.0b | HK$22.4b | HK$11.6b | 7.8x | 4.4x | 2.3x |
Price to Earnings Ratio
4.4x
Current Industry PE
- Investors are relatively neutral on the Hong Kong Consumer Finance industry at the moment, indicating that they anticipate long term growth rates to remain steady.
- The industry is trading close to its 3-year average PE ratio of 30.1x.
- The industry is trading close to its 3-year average PS ratio of 1.4x.
Past Earnings Growth
- The earnings for companies in the Consumer Finance industry have declined 52% per year over the last three years.
- Meanwhile revenues for these companies have grown 2.7% 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 Comparison
How does Hong Kong Consumer Finance compare with similar industries?
| HK Market | 0.81% | |
| Financials | 0.83% | |
| Consumer Finance | -3.77% | |
| Consumer Finance | -3.77% | |
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$0.45 | 9.8% +HK$247.3m | 208.2% | PB0.9x | |
| 2051 51 Credit Card | HK$0.32 | 29.6% +HK$119.0m | 86.0% | PS2.2x | |
| 373 Allied Group | HK$1.55 | 1.3% +HK$70.3m | 2.0% | PS0.9x | |
| 335 Upbest Group | HK$0.70 | 2.9% +HK$53.6m | -4.1% | PE31x | |
| 1543 Guangdong Join-Share Financing Guarantee Investment | HK$0.27 | 3.8% +HK$15.6m | -63.5% | PE9.2x |
