Web Revenue Surges over 25%, Proposed an Interim Dividend of HK 1.0 cent per share
Monetary Highlights
| For the six months ended 31 Aug | |||
| HK$’000 | 2025 | 2024 | Change |
| Revenue earlier than taxation | 44,696 | 35,962 | +24.3% |
| Revenue for the interval attributable to shareholders | 38,381 | 30,535 | +25.7% |
| Web revenue margin | 46.8% | 35.1% | +11.7 p.p |
| Primary earnings per share (HK cents) | 2.0 | 1.6 | +25.0% |
HONG KONG SAR – Media OutReach Newswire – 30 October 2025 – The board of administrators of Oi Wah Pawnshop Credit score Holdings Restricted (HKEx inventory code: 1319.HK, the “Group” or “Oi Wah”) introduced its interim outcomes and its monetary place. For the six months ended 31 August 2025 (“FP2026”), the Group recorded income of roughly HK$82.0 million and revenue attributable to shareholders of the Firm of roughly HK$38.4 million, representing a year-on-year improve of roughly 25.7%.
Through the interval, earnings per share was HK 2.0 cents, representing a year-on-year improve of roughly 25.0%. The Board of Administrators recommends an interim dividend of HK 1.0 cent.
Enterprise Evaluate
Mortgage mortgage enterprise
In FP2026, the curiosity revenue of the mortgage mortgage enterprise of the Group was roughly HK$33.6 million, which accounted for about 41.0% of the Group’s whole income. As at 31 August 2025, the gross mortgage mortgage receivable was roughly HK$654.1 million and through the interval, the whole new mortgage loans granted amounted to roughly HK$121.6 million. The web curiosity margin of the mortgage mortgage enterprise is about 9.6%. There have been 27 new instances of mortgage mortgage transactions.
Pawn Mortgage Enterprise
In FP2026, the curiosity revenue generated from the pawn mortgage enterprise was roughly HK$39.4 million, representing a year-on-year improve of roughly 4.5%. The Group recorded acquire from disposal on repossessed belongings of roughly HK$9.0 million, representing a rise of roughly 60.7%. It’s primarily attributable to the appreciation of gold value through the interval.
Through the interval, the Group continued to channel assets to promoting and promotion, in an effort to improve the Group’s model publicity. Such effort has generated demand of one-to-one pawn mortgage appointment companies for pawn loans of mortgage dimension exceeding HK$0.1 million. The Group recorded common mortgage quantity of roughly HK$12,600 per transaction throughout FP2026.
Prospects
Wanting forward, the worldwide economic system is predicted to proceed its average restoration, though uncertainties associated to macroeconomic insurance policies and geopolitical developments are prone to persist. Geopolitical tensions and market volatility are now not occasional and are coming structural. The Board believes that residential property costs in Hong Kong are approaching the underside and are prone to steadily get better within the coming quarters, supplied that basic foundation of financial circumstances stay broadly unchanged. Nonetheless, the business and industrial property segments are anticipated to stay subdued, reflecting ongoing structural and demand-side challenges. In mild of those components, the Board maintains a cautiously optimistic outlook on the property market and the broader native economic system, whereas remaining vigilant to potential draw back dangers stemming from exterior shocks and home market developments.
To drive revenue development, the Group has strategically partnered with PACM Group to determine a fund, marking our entry into the actual property personal credit score institutional funding administration sector. We’ll proactively discover enlargement alternatives in native and abroad developed markets and preserve prudent funding oversight to mitigate market dangers and maximize returns for each buyers and shareholders.
Moreover, the Group will proceed to assessment strategic store areas and contemplate potential acquisition alternatives inside established pawn companies to additional improve buyer expertise and preserve strong operational profitability. These initiatives are supposed to strengthen our market main place and guarantee sustainable long-term development amid evolving trade dynamics.
Mr. Edward Chan, Chairman and CEO of the Firm, stated, “Amid an exterior surroundings crammed with uncertainties, geopolitical tensions and market volatility have change into the brand new regular. The Group will proceed to prudently hold abreast of market traits and modify our enterprise methods with agility. By way of our strategic partnership fund with PACM Group, we’ll proactively discover promising abroad funding alternatives to diversify the Group’s income streams. Wanting forward, we’ll adhere to prudent administration ideas and stay dedicated to delivering sustainable long-term returns for our shareholders, additional strengthening our main place within the trade.”
Hashtag: #OiWah #靄華 #InterimResults #中期業績
The issuer is solely chargeable for the content material of this announcement.
Oi Wah Pawnshop Credit score Holdings Restricted
Oi Wah is a financing service supplier in Hong Kong, primarily offering short-term secured financing, together with pawn loans and mortgage loans. The Group established its first pawnshop in 1975 and at present owns 10 pawnshops and one premium service middle in numerous areas in Hong Kong. Oi Wah diversified into mortgage mortgage enterprise in 2009. The Group is the primary native pawn store which efficiently listed on the Essential Board of The Inventory Change of Hong Kong Restricted on 12 March 2013.