Plutus Financial Group Limited Ordinary Shares (PLUT)

FairStock Score: 37/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Plutus Financial Group is a tiny Hong Kong financial-services firm with nine employees and three segments: securities, asset management, and money lending. As a Graham-style investor, I start with book value and earnings power. At the close on 2026-10-13, the shares were $1.88, with a market cap of $46.0M and a price-to-book of 2.61. That is not a bargain for a business with return on equity of -55.33% and return on capital employed of -41.21%. The negative P/E of -5.37 tells the same story: the company is losing money. The low debt-to-equity of 0.01 is a modest comfort, but financial firms can carry risks that simple leverage ratios miss. I would want CET1, net interest margin, and combined ratio; none are in the data. The Piotroski F-Score of 2/9 and FairStock score of 37/100 suggest weak financial quality. There is no Lynch category because only 0 years of filed results are available, and revenue/profit growth is not provided. The 52-week range of $1.75-$4.00 shows a stock near its low, but a low price alone is not value. Without a multi-year record of consistent earnings, conservative underwriting, and returns above cost of capital, I cannot identify a durable moat. The business might be an early-stage turnaround, but the numbers presented show a loss-making, expensive-on-book operation with limited disclosure. I would need several years of clean financials before trusting the earnings power.

In plain English: Plutus Financial Group is a small Hong Kong financial company that handles securities, asset management, and money lending. It is currently losing money and has a very short record, so the business looks weak. At $1.88, the price looks expensive compared with the company's assets and current losses, even though it sits near the low end of its 52-week range.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer