Oi Wah Pawnshop Credit Holdings half-year net profit rises 25.7% to HKD 38.4 million
Oi Wah Pawnshop Credit Holdings Ltd. reported its earnings for the half year ended 31 August 2025. Revenue decreased by 5.7% to HKD 82 million. Net profit attributable to shareholders increased by 25.7% to HKD 38.4 million. Basic earnings per share were HKD 0.02. The net profit margin rose by 11.7 percentage points to 46.8%. The principal of gross loan receivables decreased by 4.7% to HKD 829.3 million. The total amount of new pawn loans granted increased by 14.6% to HKD 472.7 million, while the total amount of new mortgage loans granted decreased by 3.1% to HKD 121.6 million. The net interest margin for pawn loans declined by 0.6 percentage points to 40.0%, and for mortgage loans, the net interest margin decreased by 1.7 percentage points to 9.6%.
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