Public Financial Holdings Limited
Public Financial Holdings Limited (HKSE: 626) is trading at HK$2.16, about ₹26 at today's HKD/INR rate, as of 25 Sep 2026, 4:08 AM ET, down 1.59% today. Indian residents can buy Public Financial from India on Paasa under the RBI's Liberalised Remittance Scheme.
Quote
Today's low
HK$2.10
Today's high
HK$2.19
52 week low
HK$1.23
52 week high
HK$2.32
626 opened at HK$2.19, closed previously at HK$2.20, and has traded between HK$1.23 and HK$2.32 over the past 52 weeks.
About
Public Financial Holdings Limited, formerly JCG Holdings Limited, functions as an investment and property holding firm that delivers a comprehensive array of banking and financial services across Hong Kong and Mainland China. Its operations are strategically divided into three primary segments. The Retail and Commercial Banking division offers diverse products and services, including deposit accounts, various lending options such as mortgages and consumer loans, hire purchase and leasing solutions, and specialized financing for licensed public vehicles like taxis and public light buses. This segment also supports clients in trading, manufacturing, and other business sectors with financing and related services, alongside providing foreign exchange and cash management services that encompass deposit-taking, lending, interest rate risk management, and fund management. The Wealth Management Services, Stockbroking, and Securities Management segment focuses on managing investments in both debt instruments and equities, generating income through securities dealing and commissions, and providing a suite of wealth management products and services. The Other Businesses segment is involved in the buying and selling of taxi vehicles and their licenses, the leasing of taxis, and the letting of investment properties. Beyond these core segments, Public Financial Holdings also extends personal and property-backed loans, nominee services, and insurance offerings. The company maintains an extensive presence with 78 branches throughout Hong Kong and an additional 5 branches in Mainland China. Established in 1991 and headquartered in Central, Hong Kong, it operates as a subsidiary of Public Bank Berhad.
Key statistics
Avg. volume
916.00K
Market cap
HK$2.37B
P/E Ratio
22.91
Price-to-sales ratio
1.16
Enterprise value
-HK$446.41M
Free cash flow yield
6.58%
Debt-to-equity ratio
0.25
Return on equity
1.32%
ROIC
0.23%
Beta
0.48
Dividend yield
4.17%
Last dividend
HK$0.09
Financial overview
Revenue
HK$2.06B
Earnings per share
HK$0.07
Free cash flow
HK$220.80M
Net profit margin
5.02%
Gross margin
53.04%
EBITDA
HK$223.09M
Revenue growth
-8.46%
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This is not an investment recommendation
How to buy Public Financial from India
Indian residents can buy Public Financial shares through Paasa in four steps. Funds leave India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name with Interactive Brokers.
Open a Paasa account
Complete digital KYC with your PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Add funds under LRS
Transfer INR from your Indian bank account. Your bank reports the remittance under the RBI's Liberalised Remittance Scheme and converts it to US dollars and then to HKD.
Search for Public Financial and place an order
Find Public Financial by name or by its ticker, 626, and choose an order type. Many Hong Kong listings trade in board lots, so the smallest order is one lot rather than one share. Public Financial trades 7:00 am – 1:30 pm IST; orders can only execute during that window.
Track holdings and download tax reports
Follow your Public Financial position in HKD and INR, and use Paasa's capital-gains and dividend statements when you file your Indian return.
Read the full guide: how to invest in Public Financial from India
Trading and taxes when buying Public Financial from India
Trading and limits
- Trading hours
- 9:30 am – 4:00 pm HKT
- LRS limit
- $250,000Per financial year, under the RBI's Liberalised Remittance Scheme.
Tax for Indian residents
- TCS on remittance
- 20%Collected by your bank on LRS remittances above ₹10 lakh in a financial year. The TCS is adjustable against your income-tax liability.Adjusting TCS against your tax
- Capital gains in India
- 12.5% or slab rateGains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate.Capital gains explained
- Dividends
- Slab rateDividends are taxed at your slab rate in India. Public Financial’s current yield is 4.17%.Dividend tax explained
- Estate or inheritance tax
- May applyHong Kong has no estate duty.Estate tax explained
Custody. Shares are held in your own name at Interactive Brokers, segregated from Paasa's own assets.
FAQs
Can Indian residents buy Public Financial stock?
Yes. Public Financial (626) has been listed on the Hong Kong Stock Exchange since 1991, in the Banks - Regional industry, and Indian residents can buy it through Paasa. You fund the account from your Indian bank under the RBI's Liberalised Remittance Scheme and the money is converted to US dollars and then to HKD. Shares are held in your own name at Interactive Brokers, segregated from Paasa's own assets.
How much does one Public Financial share cost in rupees?
One Public Financial share is HK$2.16 — about ₹26 at an HKD/INR rate of 12.25 on 24 Sep 2026. Both the Public Financial price and the rupee rate move during the day, so the rupee cost changes with them.
What are the LRS and TCS rules for buying Public Financial from India?
Remit up to $250,000 per financial year under the RBI's Liberalised Remittance Scheme (LRS). Banks collect 20% tax at source on LRS remittances above ₹10 lakh in a financial year; the TCS is adjustable against your income-tax liability. FX and the LRS declaration are handled by your bank when you fund your account.
What is the minimum I can buy of Public Financial?
Many Hong Kong listings trade in board lots, so the smallest order is one lot rather than one share.
How are gains on Public Financial shares taxed in India?
Hong Kong generally does not levy capital gains tax on non-resident individual investors for HKEX-listed stocks, so the tax is an India-side one. Gains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. The gain is computed in rupees using the HKD/INR rate on the purchase and the sale date, so the rupee move counts alongside the Public Financial price. Paasa issues a capital-gains statement for your return.
Does Public Financial pay a dividend, and how is it taxed in India?
Yes. Public Financial pays a dividend and the current yield is 4.17%; the last declared dividend was HK$0.09 per share, about ₹1.10. Dividends are taxed at your slab rate in India. Paasa's dividend report lists the gross dividend and any tax withheld for each payment.
When can I trade Public Financial from India?
The Hong Kong Stock Exchange trades 7:00 am – 1:30 pm IST in Indian time. It also halts for lunch, 9:30 am – 10:30 am IST. Orders can only execute during that window.
Is there estate or inheritance tax on Public Financial shares held from India?
Hong Kong has no estate duty.
Do I have to declare Public Financial shares in my Indian tax return?
Yes. Foreign shares held on 31 March must be reported in Schedule FA of your Indian income-tax return. Paasa gives you a Schedule FA-ready statement listing your Public Financial holding, its cost and its closing value.
How do I sell Public Financial and bring the money back to India?
You sell during market hours (7:00 am – 1:30 pm IST) and the proceeds settle in HKD in your Paasa account. From there you can hold the balance, reinvest, or repatriate. Funds can be withdrawn in any currency to any bank account in your own name. Whether the sale is short- or long-term is decided by the 24-month holding period.