---
title: "香港信贷集团有限公司 (01273.HK)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/01273.HK.md"
symbol: "01273.HK"
name: "香港信贷集团有限公司"
industry: "商业及住宅抵押融资"
---

# 香港信贷集团有限公司 (01273.HK)

| Item | Detail |
|------|--------|
| Industry | 商业及住宅抵押融资 |
| Location | 港股市场 |
| Website | [www.hkfinance.hk](https://www.hkfinance.hk) |

## Company Profile

香港信贷集团有限公司是一家主要提供放债业务的投资控股公司。该公司通过两个分部运营业务。有抵押物业按揭贷款分部主要从事提供无抵押业主贷款产品。无抵押业主贷款分部主要从事向业主客户发放无抵押贷款。此外，该公司亦从事投资物业。

## Financial Score

> *Longbridge Financial Score™ — Proprietary multi-factor rating model by [Longbridge](https://longbridge.com). This score is independently calculated by Longbridge and is not affiliated with any third-party rating agency.*
> Updated: 2026-02-21T04:30:11.000Z

**Overall: C (0.48)**

**Industry**: Commercial and Residential Mortgage Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 2 / 2 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

### Score Analysis

**Style Score**: 

#### Growth Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 0.62% |  |
| Net Profit YoY | 5.98% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 0.28 |  |
| Dividend Ratio | 4.83% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 249.00M |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 129.36M |  |


**Multi Score**: C

#### Profit Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 5.75% | C |
| Profit Margin | 37.96% | A |
| Gross Margin | 100.00% | A |

#### Growth Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 0.62% | C |
| Net Profit YoY | 5.98% | C |
| Total Assets YoY | -2.48% | D |
| Net Assets YoY | 4.59% | C |

#### Cash Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | 263.40% | C |
| OCF YoY | 0.62% | C |

#### Operating Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.12 | E |

#### Debt Score: A

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 19.47% | A |


```chart-data:radar
{
  "title": "Longbridge Financial Score - 香港信贷集团有限公司",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "5.75%",
          "rating": "C"
        },
        {
          "name": "Profit Margin",
          "value": "37.96%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "100.00%",
          "rating": "A"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "C",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "0.62%",
          "rating": "C"
        },
        {
          "name": "Net Profit YoY",
          "value": "5.98%",
          "rating": "C"
        },
        {
          "name": "Total Assets YoY",
          "value": "-2.48%",
          "rating": "D"
        },
        {
          "name": "Net Assets YoY",
          "value": "4.59%",
          "rating": "C"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "C",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "263.40%",
          "rating": "C"
        },
        {
          "name": "OCF YoY",
          "value": "0.62%",
          "rating": "C"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "E",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.12",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "A",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "19.47%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | 环球信贷集团 (HK.1669) | B | C | E | A | C | C |
| 02 | 香港信贷 (HK.1273) | B | C | E | A | C | C |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 5.07 | 1/2 | 5.07 | 4.04 | 3.27 |
| PB | 0.28 | 1/2 | 0.28 | 0.22 | 0.18 |
| PS (TTM) | 1.77 | 1/2 | 1.77 | 1.32 | 0.89 |
| Dividend Yield | 4.83% | 2/2 | 7.12% | 5.78% | 4.81% |

## References

- [Company Overview](https://longbridge.com/en/quote/01273.HK/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/01273.HK/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/01273.HK/topics.md) - Community topics and discussions

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> **Disclaimer**: This article is for reference only and does not constitute any investment advice.