Oi Wah Pawnshop Credit Holdings Limited (Stock Code: 1319) announced its unaudited interim results for the six months ended 31 August 2025. Revenue stood at approximately HK$82.0 million, representing a 5.7% decrease from HK$87.0 million in the same period last year. Despite the lower top line, profit for the period surged by 25.7% to HK$38.4 million, boosting the net profit margin to 46.8% from 35.1% a year earlier.

The mortgage loan business contributed around 41% of total revenue, with interest income of about HK$33.6 million. Total gross mortgage loan receivables reached HK$654.1 million as of 31 August 2025, though the segment’s net interest margin fell to 9.6% from 11.3%. Meanwhile, pawn loan revenue increased to HK$48.4 million, driven partly by a 60.7% jump in disposal gains on repossessed assets. Pawn loan net interest margin was 40.0%. Overall net interest margin for the company eased slightly to 16.4% from 17.1%.

Total assets rose 1.8% to HK$1,204.4 million, while total equity increased 2.1% to HK$1,130.8 million. Gross loan receivables declined by 4.7% to HK$829.3 million. Basic earnings per share were HK2.0 cents, compared with HK1.6 cents a year earlier.

The board declared an interim dividend of HK1.00 cent per share, payable on 28 November 2025. The register of members will be closed from 13 November 2025 to 14 November 2025. Looking ahead, the company remains focused on prudent lending practices and strategic expansion within the pawn loan and mortgage markets.