ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Bank of Gansu Co., Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% 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 -5.00%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.31% signifying low profitability per unit of total assets
2
Flat results in Dec 24
- OPERATING CASH FLOW(Y) Lowest at HKD 2,232.76 MM
- NII(Q) Lowest at HKD 2,274.37 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 74.84%
3
With ROA of 0.65%, it has a Very Attractive valuation with a 0.03 Price to Book Value
- Over the past year, while the stock has generated a return of -6.42%, its profits have fallen by -28.3%
4
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -6.42% returns in the last 1 year, the stock has also underperformed Hang Seng Hong Kong in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bank of Gansu 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 Gansu Co., Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bank of Gansu Co., Ltd.
-4.62%
-0.76
31.02%
Hang Seng Hong Kong
27.36%
1.03
25.88%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-3.91%
EBIT Growth (5y)
-8.31%
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
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
0
Industry P/E
Price to Book Value
0.03
EV to EBIT
33.52
EV to EBITDA
23.96
EV to Capital Employed
0.52
EV to Sales
2.66
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
1.55%
ROE (Latest)
11.19%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend
Not enough Data to analyse Financial Trend
Not enough Data to analyse Financial Trend
Here's what is working for Bank of Gansu Co., Ltd.
Cash and Eqv
Highest at HKD 24,651.97 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
At HKD 246.03 MM has Grown at 22.82%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (HKD MM)
Here's what is not working for Bank of Gansu Co., Ltd.
NII
Lowest at HKD 2,274.37 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (HKD MM)
Operating Cash Flow
Lowest at HKD 2,232.76 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (HKD MM)
Net Sales
Lowest at HKD 6,768.67 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (HKD MM)
Operating Profit
Lowest at HKD 232.37 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (HKD MM)
Operating Profit Margin
Lowest at 3.43 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at HKD 239.14 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (HKD MM)
Pre-Tax Profit
Fallen at -78.06%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (HKD MM)
Net Profit
Lowest at HKD 294.98 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (HKD MM)
Net Profit
Fallen at -73.95%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (HKD MM)
EPS
Lowest at HKD 0.01
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (HKD)
Credit Deposit Ratio
Lowest at 74.84%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
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