Public Financial Holdings (0626) Fair Value & Analysis
Financial Services · HK · Market cap HK$1.5B
Fair value as of: Aug 13, 2026
From 4 valuation models · updated 2 days ago
Fair value updated Aug 13, 2026, revised from HK$0.9400 to HK$0.9300 (−1.1%) since Aug 2, 2026. Share price +0.7% over the past month.
A solid business, but screening 35% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (HK$1.17). The favourable scenario is already priced in.
- Solid but not exceptional quality (54/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range HK$1.02 – HK$2.31 · fair‑value band HK$0.7000 – HK$1.17 · the HK$1.42 price screens above the HK$0.9300 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Public Financial Holdings (0626) currently trades at HK$1.42, while our model-based Fair Value estimate is HK$0.9300, implying the stock looks roughly 34.5% overvalued today. The Quality Score stands at 54/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Public Financial Holdings generated revenue of HK$1.2B at a net margin of 6.9%. Revenue grew 102.6% year over year. It earns a return on equity of 1.0%. Net debt stands at HK$1.9B. Fundamentals as of Aug 13, 2026
Our scenario range runs from HK$0.7000 (bear case) to HK$1.17 (bull case); at HK$1.42, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 18% below its 52-week high and 19% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 47% fair-value upside, at -35%, 0626 screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Asset-Based (HK$4.73) versus Multiples (HK$0.9400). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 46 · Market factors (momentum, volatility) 55
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Public Financial Holdings Limited, an investment and property holding company, provides various banking and financial services in Hong Kong and Mainland China. The company operates through three segments : Retail and Commercial Banking Businesses; Wealth Management Services, Stockbroking and Securities Management; and Other Businesses.
Full company description
Public Financial Holdings Limited, an investment and property holding company, provides various banking and financial services in Hong Kong and Mainland China. The company operates through three segments : Retail and Commercial Banking Businesses; Wealth Management Services, Stockbroking and Securities Management; and Other Businesses. The Retail and Commercial Banking Businesses segment offers deposit accounts; mortgages and consumer lending products; hire purchase and leasing; financing to purchasers of licensed public vehicles, such as taxis and public light buses; services and financing for customers in trading, manufacturing, and various other business sectors; foreign exchange services; and cash management services for deposit taking and lending, interest rate risk management, and fund management services. The Wealth Management Services, Stockbroking and Securities Management segment is involved in the management of investments in debt securities and equities; securities dealing and commission income receipt; and provision of wealth management products and services. The Other Businesses segment trades in and leases taxis; and lets investment properties. The company also provides personal and property mortgage loans, and nominee services. The company was formerly known as JCG Holdings Limited. Public Financial Holdings Limited was incorporated in 1991 and is headquartered in Central, Hong Kong. Public Financial Holdings Limited is a subsidiary of Public Bank Berhad.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Public Financial Holdings reported revenue of HK$2.1B in FY2025 versus HK$1.7B in FY2021, a compound +5.1%/yr. Reported net income was HK$79.7M in FY2025, compounding −36.7%/yr from FY2021.
of which total revenue −0.3 pp · buybacks/dilution +0.0 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
0626 screens 35% overvalued. Compare with PT Bank Central Asia Tbk →
Peer Group
Banks - Regional · 1087 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,350 IDR | 4,637 IDR | -27% |
| KB Financial Group 105560 | 168,100 KRW | 220,258 KRW | +31% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 3,110 IDR | 3,792 IDR | +22% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,130 IDR | 6,067 IDR | +47% |
| Banco Bradesco S.A BBD | 5,120 ARS | 8,400 ARS | +64% |
| Shinhan Financial Group 055550 | 103,800 KRW | 146,032 KRW | +41% |
| Hana Financial Group 086790 | 127,900 KRW | 210,506 KRW | +65% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,500 VND | 45,959 VND | -23% |
| Woori Financial Group 316140 | 33,000 KRW | 60,758 KRW | +84% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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