In the world of luxury accessories, Hermès stands alone. The “quota bags”—the Birkin, Kelly, and Constance—have historically outperformed the S&P 500 in terms of annual appreciation and volatility. As we end 2025, the secondary market for these items remains robust, driven by artificial scarcity and uncompromising quality.

A Portable Store of Value

For our clients, these handbags are more than fashion statements; they are portable, high-density stores of value. Unlike other luxury goods that depreciate the moment they leave the boutique, a pristine Hermès bag often appreciates immediately. However, not all bags are created equal. In 2025, we have seen a premium placed on smaller sizes (the Kelly 20 and Birkin 25) and exotic skins, particularly Himalaya Niloticus Crocodile.

Expertise is Key

Beverly Loan Company is one of the few financial institutions with the specific expertise to authenticate and appraise these items instantly. The counterfeit market has become increasingly sophisticated, making expert authentication paramount. Our specialists examine stitching, hardware, date stamps, and leather grain to verify authenticity.

Whether you are a retailer managing inventory cash flow or a collector seizing a new opportunity, we treat your handbag collection with the same financial seriousness as a portfolio of equities.