Plutus Financial Group Limited (PLUT) 10-Year Financial Performance & Capital Metrics

PLUT • • Banking & Credit

Financial ServicesCapital MarketsSecurities Brokerage & Wealth ManagementInstitutional Brokerage & Wealth Management

AboutPlutus Financial Group Limited, through its subsidiaries, provides financial services in Hong Kong. The company offers securities dealing and brokerage, margin financing, underwriting, and placing services. It also provides asset and investment management; fund management advisory services; and investment and corporate finance advisory services. The company was founded in 2018 and is based in Wan Chai, Hong Kong.Show more

Net Interest Income $0
Total Revenue $10M -55.6%
Net Income -$6M +8.2%
Return on Equity -9.53% -11.5%
Net Interest Margin 0%
Efficiency Ratio 59.59% -33.4%
ROA -6.19% -18.4%
Equity / Assets 76.98% +35.2%
Book Value per Share 3.92 -9.1%
Tangible BV/Share 3.87 -10.1%
Debt/Equity 0.04 +108.3%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Company is almost debt free
✓Well capitalized: 77.0% equity/assets
✓Diversified revenue: 100.0% from non-interest income
✓Trading at only 0.8x book value

✗Weaknesses

✗Weak Piotroski F-Score: 2/9

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y-

3Y-39.02%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM-75.89%

EPS CAGR

10Y-

5Y-

3Y-

TTM-65.14%

ROCE

10Y Avg7.1%

5Y Avg7.1%

3Y Avg-7.91%

Latest-12.37%

Peer Comparison

Institutional Brokerage & Wealth Management

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FRHCFreedom Holding Corp.	7.71B	126.09	90.06	22.74%	4.16%	0.39%	20.56%	1.61
WHGWestwood Holdings Group, Inc.	173.67M	18.46	71	5.5%	2.33%	5.76%	12.1%	0.03
LPLALPL Financial Holdings Inc.	30.16B	376.83	26.86	23.2%	8.55%	22.03%		1.96
SFStifel Financial Corp.	13.26B	130.20	20.83	15.45%	12.42%	11.53%	3.14%	0.49
RJFRaymond James Financial, Inc.	33.88B	171.55	16.66	7.94%	13.42%	17.07%	6.63%	0.35
OPYOppenheimer Holdings Inc.	823.46M	79.02	12.41	14.71%	5%	9.21%		0.81
GSIWGarden Stage Limited Ordinary Shares	29.89M	0.14	-0.49	295.95%	-79.91%	14.93%		0.03
DOMHDominari Holdings Inc.	66.61M	4.16	-1.75	7.9%	-81.03%	52.5%		0.08

Profit & Loss

	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	-30K	0	0	0	0
NII Growth %	-	1%	-	-	-
Net Interest Margin %	-	-	-	-	-
Interest Income	0	0	0	0	0
Interest Expense	30K	0	0	0	0
Loan Loss Provision	4.85M	6.92M	12.71M	9.59M	11.17M
Non-Interest Income+	23.91M	42.99M	19.28M	21.94M	9.75M
Non-Interest Income %	-	-	-	-	-
Total Revenue+	23.91M	42.99M	19.28M	21.94M	9.75M
Revenue Growth %	-	0.8%	-0.55%	0.14%	-0.56%
Non-Interest Expense	5.19M	10.63M	7.6M	19.63M	5.81M
Efficiency Ratio	-	-	-	-	-
Operating Income+	13.83M	25.44M	-1.04M	-7.28M	-7.23M
Operating Margin %	-	-	-	-	-
Operating Income Growth %	-	0.84%	-1.04%	-6.02%	0.01%
Pretax Income+	14.37M	25.71M	-612K	-7.07M	-6.64M
Pretax Margin %	-	-	-	-	-
Income Tax+	2.3M	4.24M	332K	-1.06M	-1.11M
Effective Tax Rate %	-	-	-	-	-
Net Income+	12.07M	21.47M	-944K	-6.01M	-5.52M
Net Margin %	-	-	-	-	-
Net Income Growth %	-	0.78%	-1.04%	-5.37%	0.08%
Net Income (Continuing)	12.07M	21.47M	-944K	-6.01M	-5.52M
EPS (Diluted)+	0.71	1.52	-0.07	-0.43	-0.39
EPS Growth %	-	1.14%	-1.04%	-5.42%	0.09%
EPS (Basic)	0.71	1.52	-0.07	-0.43	-0.39
Diluted Shares Outstanding	17M	17M	14.1M	14.1M	14.1M

Balance Sheet

	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	17.31M	12.61M	12.69M	12.05M	30.62M
Short Term Investments	0	0	0	0	0
Total Investments+	0	0	0	0	0
Investments Growth %	-	-	-	-	-
Long-Term Investments	0	0	0	0	0
Accounts Receivables	1000K	1000K	1000K	1000K	777K
Goodwill & Intangibles+	-	-	-	-	-
Goodwill	0	0	0	0	0
Intangible Assets	600K	600K	600K	0	600K
PP&E (Net)	2.85M	1.21M	2.25M	1.09M	3.05M
Other Assets	205K	205K	229K	229K	447K
Total Current Assets	64.22M	122.99M	120.02M	102.62M	64.55M
Total Non-Current Assets	4.01M	2.34M	3.39M	4.03M	7.18M
Total Assets+	68.23M	125.34M	123.41M	106.64M	71.73M
Asset Growth %	-	0.84%	-0.02%	-0.14%	-0.33%
Return on Assets (ROA)	0.18%	0.22%	-0.01%	-0.05%	-0.06%
Accounts Payable	11.53M	5.3M	34.79M	40.86M	10.35M
Total Debt+	2.51M	1.17M	2.35M	1.12M	2.13M
Net Debt	-14.8M	-11.44M	-10.35M	-10.93M	-28.49M
Long-Term Debt	0	0	0	0	0
Short-Term Debt	0	0	0	0	0
Other Liabilities	0	0	0	0	0
Total Current Liabilities	16.65M	19.86M	42.21M	45.9M	15.52M
Total Non-Current Liabilities	1.06M	0	1.12M	0	994K
Total Liabilities	17.71M	19.86M	43.34M	45.9M	16.51M
Total Equity+	50.52M	105.47M	80.08M	60.74M	55.22M
Equity Growth %	-	1.09%	-0.24%	-0.24%	-0.09%
Equity / Assets (Capital Ratio)	-	-	-	-	-
Return on Equity (ROE)	0.24%	0.28%	-0.01%	-0.09%	-0.1%
Book Value per Share	2.97	6.20	5.68	4.31	3.92
Tangible BV per Share	-	-	-	-	-
Common Stock	9K	9K	9K	9K	9K
Additional Paid-in Capital	43M	76.48M	76.48M	63.16M	63.16M
Retained Earnings	7.51M	28.99M	3.59M	-2.42M	-7.95M
Accumulated OCI	0	0	0	0	0
Treasury Stock	0	0	0	0	0
Preferred Stock	0	0	0	0	0

Cash Flow

	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	-3.62M	-17.75M	35.95M	10.2M	-8.09M
Operating CF Growth %	-	-3.91%	3.03%	-0.72%	-1.79%
Net Income	12.07M	21.47M	-944K	-6.01M	-5.52M
Depreciation & Amortization	1.3M	302K	33K	8K	350K
Deferred Taxes	0	0	0	0	0
Other Non-Cash Items	0	0	0	10.94M	-1.4M
Working Capital Changes	-16.99M	-39.53M	36.86M	5.26M	-1.51M
Cash from Investing+	-18K	0	0	-19K	-1.3M
Purchase of Investments	0	0	0	0	0
Sale/Maturity of Investments	0	0	0	0	0
Net Investment Activity	-	-	-	-	-
Acquisitions	0	0	0	0	0
Other Investing	0	0	0	0	0
Cash from Financing+	8M	2.93M	-5.2M	-7.17M	-558K
Dividends Paid	0	0	0	0	0
Share Repurchases	0	0	0	0	0
Stock Issued	8M	33.48M	0	0	0
Net Stock Activity	-	-	-	-	-
Debt Issuance (Net)	0	0	0	0	0
Other Financing	0	-30.55M	-5.2M	-7.17M	-558K
Net Change in Cash+	4.37M	-14.82M	30.75M	3.01M	-9.95M
Exchange Rate Effect	0	0	0	0	0
Cash at Beginning	27.23M	31.6M	16.77M	47.52M	50.53M
Cash at End	31.6M	16.77M	47.52M	50.53M	40.59M
Interest Paid	30K	0	0	0	0
Income Taxes Paid	0	0	5.55M	69K	1.73M
Free Cash Flow+	-3.63M	-17.75M	35.95M	10.18M	-9.39M
FCF Growth %	-	-3.88%	3.03%	-0.72%	-1.92%

Banking Ratios

Metric	2020	2021	2022	2023	2024
Return on Equity (ROE)	23.89%	27.53%	-1.02%	-8.54%	-9.53%
Return on Assets (ROA)	17.69%	22.19%	-0.76%	-5.23%	-6.19%
Net Interest Margin	-0.04%	0%	0%	0%	0%
Efficiency Ratio	21.73%	24.72%	39.44%	89.48%	59.59%
Equity / Assets	74.05%	84.15%	64.89%	56.96%	76.98%
Book Value / Share	2.97	6.2	5.68	4.31	3.92
NII Growth	-	100%	-	-	-

Frequently Asked Questions

Growth & Financials

Plutus Financial Group Limited (PLUT) saw revenue decline by 55.6% over the past year.

Plutus Financial Group Limited (PLUT) reported a net loss of $10.0M for fiscal year 2024.

Dividend & Returns

Plutus Financial Group Limited (PLUT) has a return on equity (ROE) of -9.5%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Plutus Financial Group Limited (PLUT) has a net interest margin (NIM) of N/A. NIM has been under pressure due to interest rate environment.

Plutus Financial Group Limited (PLUT) has an efficiency ratio of 59.6%. This is reasonable for a bank.

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