0626.HK
Strong BuySecond WindAI neutralPublic Financial Holdings Limited · Financial Services · Hong Kong · $314M cap · $499K/day traded
HKD 2.38 +2.8% · close 2 Nov · scored 3 Nov
Second Wind: Cheap with strong momentum, but the business does not earn the optimism.
As of 3 Nov 2026, MoatMap's StockRank for Public Financial Holdings Limited (0626.HK) is 84/100, ranked against 24,000+ stocks in 35 markets (Quality 32, Value 52, Momentum 98, each scored against its sector).
Does StockRank work? Each month we publish how each tenth of the ranking did, whichever way it went. See the record →
Public Financial Holdings is a small Hong Kong bank and consumer finance lender controlled by Malaysia's Public Bank. Its share price has had strong momentum, but its returns on equity are low and its consumer lending book is exposed to Hong Kong's soft economy.
ABOUT PUBLIC FINANCIAL HOLDINGS LIMITED
Read
Public Financial Holdings Limited, an investment and property holding company, provides various banking and financial services in Hong Kong and Mainland China.
FINANCIAL SUMMARY (HKD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 1.4B | 1.2B | 1.2B | 1.4B | 0.1% | 1.2B |
| EPS (HKD) | 0.30 | 0.01 | -0.91 | 0.07 | -37.5% | 0.09 |
| Shares | 1.1B | 1.1B | 1.1B | 1.1B | 0.0% | 1.1B |
| Debt | 1.7B | 1.7B | 1.7B | 1.5B | -2.4% | 1.5B |
| Equity | 8.6B | 8.7B | 7.7B | 7.8B | -3.5% | — |
| Op CF | -375.0M | 79.7M | 5.7B | -2.4B | 7098.8% | -2.4B |
| Inv CF | -184.4M | -56.0M | -133.9M | -201.2M | — | — |
| Fin CF | -304.8M | -150.4M | -47.0M | -236.2M | — | — |
Above its 200-day average and at its 52-week high.
Swung more than 60% of stocks we rank over the past year (volatility 49% a year).
How this is worked out
StockRank weighs the business, its price and its trend. The price check reads only the chart: the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of 0626.HK are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| 0626.HK | Public Financial Holdings Limited(you) | $314M | 84 | Strong Buy |
| 0440.HK | Dah Sing Financial Holdings Limited | $1.7B | 91 | Strong Buy |
| 2356.HK | Dah Sing Banking Group Limited | $2.3B | 90 | Strong Buy |
| 0023.HK | The Bank of East Asia, Limited | $6.1B | 72 | Buy |
| 0064.HK | Get Nice Holdings Limited | $307M | 79 | Buy |
| QRC.TO | Queen's Road Capital Investment Ltd. | $530M | 84 | Strong Buy |
| 0900.HK | AEON Credit Service (Asia) Company Limited | $465M | 80 | Strong Buy |
| 0335.HK | Upbest Group Limited | $226M | 77 | Buy |
| 0613.HK | Planetree International Development Limited | $762M | 82 | Strong Buy |
| 0806.HK | Value Partners Group Limited | $407M | 68 | Buy |
Peer medians: ROE 4.3% · P/E 9.3x · Gross margin 79.0%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.