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
Negative results in Dec 25
- OPERATING CASH FLOW(Y) Lowest at HKD -5,895.65 MM
- NET SALES(Q) Lowest at HKD 6,462.41 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 73.93%
3
With ROA of 0.54%, it has a Very Attractive valuation with a 0.10 Price to Book Value
- Over the past year, while the stock has generated a return of 51.06%, its profits have fallen by -58.8%
4
Market Beating Performance
- The stock has generated a return of 51.06% in the last 1 year, much higher than market (Hang Seng Hong Kong) returns of 8.76%
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?
High Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Bank of Gansu Co., Ltd.
51.06%
0.20
45.66%
Hang Seng Hong Kong
8.76%
0.45
19.63%
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
278.96%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
1
Industry P/E
Price to Book Value
0.10
EV to EBIT
95.58
EV to EBITDA
48.23
EV to Capital Employed
0.57
EV to Sales
3.35
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
0.60%
ROE (Latest)
9.52%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
DIVIDEND PAYOUT RATIO(Y)
Highest at 855.07%
CASH AND EQV(HY)
Highest at HKD 29,280.78 MM
DIVIDEND PER SHARE(HY)
Highest at HKD 0
-12What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at HKD -5,895.65 MM
NET SALES(Q)
Lowest at HKD 6,462.41 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 73.93%
OPERATING PROFIT(Q)
Lowest at HKD -94.13 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -1.46 %
PRE-TAX PROFIT(Q)
Lowest at HKD -28.32 MM
NET PROFIT(Q)
Lowest at HKD 75.9 MM
Here's what is working for Bank of Gansu Co., Ltd.
Cash and Eqv
Highest at HKD 29,280.78 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at HKD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (HKD)
Dividend Payout Ratio
Highest at 855.07%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for Bank of Gansu Co., Ltd.
Net Sales
Lowest at HKD 6,462.41 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (HKD MM)
Pre-Tax Profit
At HKD -28.32 MM has Fallen at -111.84%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (HKD MM)
Operating Cash Flow
Lowest at HKD -5,895.65 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (HKD MM)
Operating Profit
Lowest at HKD -94.13 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (HKD MM)
Operating Profit Margin
Lowest at -1.46 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at HKD -28.32 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (HKD MM)
Net Profit
Lowest at HKD 75.9 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (HKD MM)
Net Profit
Fallen at -74.27%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (HKD MM)
Credit Deposit Ratio
Lowest at 73.93%
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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