ScoreWhy is Bank of Chengdu Co., Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.41% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 18.31%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.41% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.75% signifying low profitability per unit of total assets
2
Flat results in Sep 25
- GROSS NPA (%)(Q) Highest at 0.63%
3
With ROA of 0.69%, it has a fair valuation with a 0.89 Price to Book Value
- Over the past year, while the stock has generated a return of 3.71%, its profits have risen by 8.5% ; the PEG ratio of the company is 0.7
4
Underperformed the market in the last 1 year
- The stock has generated a return of 3.71% in the last 1 year, much lower than market (China Shanghai Composite) returns of 22.49%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bank of Chengdu Co., Ltd. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bank of Chengdu Co., Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bank of Chengdu Co., Ltd.
-7.55%
0.43
19.60%
China Shanghai Composite
21.43%
1.58
14.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.45%
EBIT Growth (5y)
13.72%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
30.04%
Pledged Shares
0
Institutional Holding
0.01%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
0.77
EV to EBIT
20.81
EV to EBITDA
20.30
EV to Capital Employed
0.94
EV to Sales
7.18
PEG Ratio
NA
Dividend Yield
4.81%
ROCE (Latest)
4.50%
ROE (Latest)
14.29%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
NET SALES(Q)
Highest at CNY 11,297.83 MM
NII(Q)
Highest at CNY 5,634.51 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 95.72%
-3What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at CNY -7,996.08 MM
Here's what is working for Bank of Chengdu Co., Ltd.
Net Sales
Highest at CNY 11,297.83 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (CNY MM)
NII
Highest at CNY 5,634.51 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (CNY MM)
Credit Deposit Ratio
Highest at 95.72%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Bank of Chengdu Co., Ltd.
Operating Cash Flow
Lowest at CNY -7,996.08 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (CNY MM)
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