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← CockpitCompetitor Analysis › 0626.HK Public Financial Holdings LimitedOpen in the cockpit ↗

Public Financial Holdings Limited0626.HKCompetitor analysis, valuation and peers

Hong Kong · HKD·Financials›Finance/Rental/Leasing
Momentum leader 97
Mkt cap
$328M
US dollars, full cap
Free float
27%
of shares outstanding
$/day
$458,633
20-day average traded
P/B
0.33×
price to book
ROE
1.3%
delivered
Implied ROE
4.0%
what the price asks
Close · HKDHK$2.34
1D-0.4%
1W+1.1%
1M+8.6%
3M+74.6%
6M+58.1%
YTD+72.1%
1Y+90.2%
ATR %1.5%
52w lowhigh2.1% off high

What Public Financial does

Employees: 1,305

Public Financial at a glance

Size Public Financial (0626.HK) is a Hong Kong Financials company (Finance/Rental/Leasing) with a market value of $328M, the 868th largest of 891 Hong Kong companies the cockpit tracks. Shares closed at HK$2.34 on 6 Nov 2026.

Performance Over six months the shares gained 58.1%, against -9.9% for the median peer and -13.4% for the Hong Kong market (cap-weighted) — 2nd highest of 19 in its peer set.

Growth Revenue fell 6.8% over the last twelve months (peer median +5.6%); the operating margin is 13.2% (peer median 22.5%).

Valuation It trades at 0.33× book value against a peer median of 0.97× (cheapest of 20).

Price implies The share price implies a return on equity of about 4.0%; Public Financial delivers 1.3%, so the price asks more than the business earns today.

Relative performance

10012515011 May 202611 Aug 20266 Nov 20260626.HK 158Peer median 88
Six months, rebased to 100: Public Financial against the median of its 20 peers (local-currency closes).

Public Financial financials

Reported figures in HKD; fiscal year ends 2025-12-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
RevenueHK$2.15BHK$2.23BHK$2.31BHK$2.19BHK$1.72B
Revenue growth—-3%+5%+28%—
Net incomeHK$102MHK$79.7M-HK$999MHK$14.4MHK$329M
Free cash flowHK$156MHK$221M-HK$174MHK$171MHK$288M
Capital expenditureHK$214MHK$153MHK$60.8MHK$56.3MHK$109M
Total debtn/aHK$2.06BHK$2.24BHK$2.18BHK$2.16B

Quarterly statements and history in the cockpit →

Public Financial competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

-50%0%+50%+100%-20%0%+20%INDOSTAR9639RMASAI04120602501848MAB1ORBSSANGHVIMOVCCAPNEWTBETR999182390626.HK6-month return →1-month return →
Up and to the right = strong over both horizons. Public Financial is the large dot.

Fundamentals: return on equity against price-to-book

-200%-100%0%00×500×1000×INDOSTAR7855ASAIORBSBETR82390626.HKReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. Public Financial is the large dot.

Capital: ROE delivered against the ROE the price implies

0%500%1,000%0%500%1,000%9639RMORBSBETR82390626.HKROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. Public Financial is the large dot.

Public Financial competitors and peer comparison

How Public Financial compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

Public Financial against its 20 peers (data as of 6 Nov 2026)
Measure0626.HKPeer medianRank in peer set
1-month return+8.6%+1.1%3rd highest of 21
6-month return+58.1%-9.9%2nd highest of 19
Return on equity1.3%9.2%5th lowest of 19
Price / book0.33×0.97×cheapest of 20
Trailing P/E25.1×8.8×most expensive of 14
ROE the price implies4.0%9.6%least demanding of 20
ROE delivered1.3%8.8%5th lowest of 16

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
Public Financial 0626.HKHong Kong$328M+58%-7%1%0.33×4.0%1.3%
IndoStar Capital Finance INDOSTAR.NSIndia$329M-15%-2%4%0.82×14.6%n/a
7855 7855.TWTaiwan$325Mn/a+2%14%1.18×4.0%n/a
Sankyo Frontier 9639.TJapan$331M+6%+4%11%0.97×5.8%11.5%
Regional Management RMUnited States$324M+3%+8%13%0.87×9.3%12.6%
ASA International ASAI.LUnited Kingdom$332M+28%+25%45%1.69×30.5%44.9%
Shandong Hi-Speed 0412.HKHong Kong$334M-65%-15%n/an/an/an/a
S&U SUS.LUnited Kingdom$319M-1%+6%10%0.94×9.6%9.7%
NHN KCP 060250.KSSouth Korea$316M-42%+21%19%1.37×10.6%18.9%
China Aircraft Leasing 1848.HKHong Kong$340M-11%+19%8%0.57×6.3%8.4%
Mortgage Advice Bureau (Holdings) MAB1.LUnited Kingdom$314M-20%+14%17%3.51×34.0%17.1%
Inflection Point Acquisition Corp. VI IPFXUnited States$343Mn/an/an/a1.41×7.7%n/a
Eightco ORBSUnited States$313M-9%-38%-157%0.81×15.1%-157.0%
Sanghvi Movers SANGHVIMOV.NSIndia$343M+11%+30%15%2.47×34.6%n/a
Crescent Capital BDC CCAPUnited States$346M-31%-29%0%0.53×5.6%-0.5%
Timbercreek Financial TF.TOCanada$310M-21%-5%4%0.67×6.6%3.8%
NewtekOne NEWTUnited States$309M-25%+24%14%0.84×10.3%14.5%
Waterstone Financial WSBFUnited States$357M+6%+5%9%1.02×8.8%8.7%
Better Home & Finance BETRUnited States$366M-34%+41%-224%6.31×68.0%-224.0%
GECOSS 9991.TJapan$376M+9%+5%9%0.83×6.1%8.8%
Capital Finance 8239.HKHong Kong$380M+111%+31%-76%133.31×990.3%-75.7%

Questions

Which companies are Public Financial's closest peers?
The cockpit's peer set: IndoStar Capital Finance (INDOSTAR.NS), 7855 (7855.TW), Sankyo Frontier (9639.T), Regional Management (RM), ASA International (ASAI.L), Shandong Hi-Speed (0412.HK), S&U (SUS.L), NHN KCP (060250.KS).
Is Public Financial expensive compared with its peers?
On price / book it trades at 0.33× against a peer median of 0.97×, cheapest of 20 in its peer set. The share price implies a return on equity of about 4.0%; Public Financial delivers 1.3%, so the price asks more than the business earns today.
How has Public Financial stock performed?
Over six months to 6 Nov 2026 the shares returned +58.1% against -9.9% for the median peer; over one year +90.2%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.