Oi Wah posts FY2025 net profit of $55.9 million, driven by improved interest margins

May 28, 2025 | 09:00

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Steady performance and prudent lending lift profits for one of Hong Kong’s leading financial institutions.

HONG KONG SAR - Media OutReach Newswire - 27 May 2025 - The board of directors of Oi Wah Pawnshop Credit Holdings Limited (HKEx stock code: 1319.HK, the "Group" or "Oi Wah") announced its annual results and its financial position. For the year ended 28 February 2025 ("FY2025"), the Group recorded revenue of approximately HK$164.3 million and profit attributable to shareholders of the Company of approximately HK$55.9 million. During the year, net interest margin slightly improved to 16.5 per cent.

Leveraging the strategic partnership fund established in collaboration with PACM Group (Holdings) Limited ("PACM Group"), the Group is committed to proactively expanding its presence in overseas markets, diversifying its business revenue streams, while effectively mitigating risks from geographical market volatility.

For the year ended 28 February 2025, the cash and cash equivalents (net of bank overdraft) amounted to approximately HK$215.7 million, representing a net increase of approximately HK$45.1 million compared to 29 February 2024. The net assets increased to approximately HK$1,108.0 million. Meanwhile, the gearing ratio decreased from 7.7 per cent to 4.3 per cent, reflecting the Group maintained a healthy financial position during FY2025.

During the year, the earnings per share was HK 2.9 cents. The Board of Directors recommends a final dividend of HK 0.81 cents.

By Oi Wah Pawnshop Credit Limited

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