Public Financial Holdings Ltd (PFHL) is a HKEX-listed investment and real estate holding company where its major subsidiaries are mainly involved in retail and commercial banking activities in Hong Kong, China. As of 27 March 2019, PFHL is worth HK$ 3.73 billion in market capitalisation.

In this article, I’ll highlight its fundamentals and bring an update on its financial results and valuation figures based on its current share price of HK$ 3.40. Thus, here are 10 key things to know about PFHL before you invest.

Key Subsidiaries
PFHL has two key subsidiaries namely, Public Bank (Hong Kong) Ltd and Public Finance Ltd.

Public Bank (Hong Kong) Ltd provides an array of retail and commercial banking services via 32 branches in Hong Kong and 4 branches in China.

Public Finance Ltd is involved in personal financing activities through its extensive 42 branches in Hong Kong.

Loans, Advances, and Financing Assets (LAF Assets)
LAF assets had