1319.Hk
1319.HK operates in the consumer lending industry, providing banking and investment services to generate revenue through interest income and fees from its lending and financial products.
Business. 1319.HK operates in the consumer lending industry, providing banking and investment services to generate revenue through interest income and fees from its lending and financial products.
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- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
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Composite-score breakdown
Synthesis
1319.HK operates in the consumer lending industry, providing banking and investment services to generate revenue through interest income and fees from its lending and financial products.
The company maintains a strong liquidity position, with a current ratio of 18.11, indicating a high ability to meet short-term obligations. However, its liquidity risk is assessed as medium, primarily due to a negative net cash position after subtracting total debt. The company's return on equity (ROE) is 5.05%, and its return on assets (ROA) is 4.73%, both of which are below the typical thresholds for high-performing financial institutions.
The company's profitability is moderate, with a net income of HKD 55,908,000 and an operating income of HKD 68,632,000. These figures suggest a relatively stable but not exceptional performance compared to industry peers. The debt-to-equity ratio is 0.06, indicating a conservative capital structure with minimal leverage.
The company's revenue is not segmented by geographic regions or product lines in the provided data, making it difficult to assess revenue concentration or diversification. However, the company's exposure to consumer lending suggests a potential concentration in retail financial services, which can be sensitive to economic downturns and regulatory changes.
The company's growth trajectory is not explicitly detailed in the provided data, but its operating cash flow of HKD 151,767,000 and free cash flow of HKD 36,751,000 suggest a positive cash generation capability. The capital expenditure of HKD -675,000 indicates minimal investment in physical assets, which is typical for a financial services firm.
The company's risk assessment highlights a medium liquidity risk and a low dilution risk. The key flag of negative net cash after subtracting total debt suggests potential liquidity constraints. The dilution risk is low, indicating that the company is not expected to issue additional shares in the near term.
Recent events and filings are not detailed in the provided data, but the company's financial snapshot and risk assessment suggest a stable but cautious financial position.
- The company has a strong current ratio of 18.11, indicating a high ability to meet short-term obligations.
- The company's return on equity (ROE) is 5.05%, and its return on assets (ROA) is 4.73%, both of which are below the typical thresholds for high-performing financial institutions.
- The company maintains a conservative capital structure with a debt-to-equity ratio of 0.06.
- The company's liquidity risk is assessed as medium, primarily due to a negative net cash position after subtracting total debt.
- The company's growth trajectory is supported by a positive operating cash flow of HKD 151,767,000 and free cash flow of HKD 36,751,000.
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- Net cash is negative after subtracting total debt.
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- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- 1319.HK Market data — financials · 2026-05-26