Oi Wah Pawnshop Credit Holdings Ltd
HKEX:1319

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Oi Wah Pawnshop Credit Holdings Ltd
HKEX:1319
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Price: 0.28 HKD -1.75% Market Closed
Market Cap: HK$538.8m

EV/EBITDA

4.4
Current
21%
More Expensive
vs 3-y average of 3.6

Enterprise Value to EBITDA (EV/EBITDA) ratio compares a company`s total enterprise value to its earnings before interest, taxes, depreciation, and amortization. It shows how much investors are paying for each dollar of the company`s earnings, including both equity and debt.

EV/EBITDA
4.4
=
Enterprise Value
HK$371m
/
EBITDA
HK$69.1m

Enterprise Value to EBITDA (EV/EBITDA) ratio compares a company`s total enterprise value to its earnings before interest, taxes, depreciation, and amortization. It shows how much investors are paying for each dollar of the company`s earnings, including both equity and debt.

EV/EBITDA
4.4
=
Enterprise Value
HK$371m
/
EBITDA
HK$69.1m

Valuation Scenarios

Oi Wah Pawnshop Credit Holdings Ltd is trading above its 3-year average

If EV/EBITDA returns to its 3-Year Average (3.6), the stock would be worth HK$0.23 (17% downside from current price).

Statistics
Positive Scenarios
2/4
Maximum Downside
-18%
Maximum Upside
+149%
Average Upside
58%
Scenario EV/EBITDA Value Implied Price Upside/Downside
Current Multiple 4.4 HK$0.28
0%
3-Year Average 3.6 HK$0.23
-17%
5-Year Average 3.6 HK$0.23
-18%
Industry Average 11 HK$0.7
+149%
Country Average 9.6 HK$0.61
+118%

Forward EV/EBITDA
Today’s price vs future ebitda

Not enough data available to calculate forward EV/EBITDA

Peer Comparison

All Multiples
EV/EBITDA
P/E
All Countries
Close
EV/EBITDA Multiple
EBITDA Growth EV/EBITDA to Growth
HK
Oi Wah Pawnshop Credit Holdings Ltd
HKEX:1319
Average EV/EBITDA: 18.9
4.4
N/A N/A
US
American Express Co
NYSE:AXP
24.3
N/A N/A
US
Capital One Financial Corp
NYSE:COF
Not Available N/A N/A
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
25.4
13%
2
US
Discover Financial Services
NYSE:DFS
Not Available N/A N/A
US
Synchrony Financial
NYSE:SYF
Not Available N/A N/A
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
25.7
7%
3.7
US
SoFi Technologies Inc
NASDAQ:SOFI
Not Available N/A N/A
KZ
K
Kaspi.kz AO
NASDAQ:KSPI
Not Available N/A N/A
IN
Muthoot Finance Ltd
NSE:MUTHOOTFIN
21.3
21%
1
IN
Tata Capital Ltd
NSE:TATACAP
12.4
N/A N/A

Market Distribution

Lower than 73% of companies in Hong Kong
Percentile
27th
Based on 1 325 companies
27th percentile
4.4
Low
0 — 4.8
Typical Range
4.8 — 14.9
High
14.9 —
Distribution Statistics
Hong Kong
Min 0
30th Percentile 4.8
Median 9.6
70th Percentile 14.9
Max 9 749.3

Oi Wah Pawnshop Credit Holdings Ltd
Glance View

Market Cap
538.8m HKD
Industry
Financial Services

Oi Wah Pawnshop Credit Holdings Ltd. is an investment company, which engages in the provision of financial businesses. The company employs 51 full-time employees The company went IPO on 2013-03-12. Its business mainly includes the granting of pawn loans and mortgage loans. The company operates under the brand of Oi Wah. The firm is also involved in the money lending business through its subsidiaries. Its principal subsidiaries include Oi Wah Holding Limited, Oi Wah Pawnshop Credit Limited, Hing Wah Pawnshop Credit Limited and Wai Wah Pawnshop Credit Limited.

Intrinsic Value
0.51 HKD
Undervaluation 46%
Intrinsic Value
Price HK$0.28
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