ScoreWhy is Bank of Hangzhou Co., Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.29% 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 21.30%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.29% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.54% signifying low profitability per unit of total assets
2
Negative results in Dec 25
- NET SALES(HY) At CNY 15,751.53 MM has Grown at -50.16%
- DIVIDEND PAYOUT RATIO(Y) Lowest at 0%
- CASH AND EQV(HY) Lowest at CNY 102,703.13 MM
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bank of Hangzhou Co., Ltd. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bank of Hangzhou Co., Ltd. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Bank of Hangzhou Co., Ltd.
-8.8%
1.26
19.66%
China Shanghai Composite
21.43%
1.58
14.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.66%
EBIT Growth (5y)
18.18%
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
24.80%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
0.73
EV to EBIT
34.31
EV to EBITDA
32.93
EV to Capital Employed
0.95
EV to Sales
11.17
PEG Ratio
NA
Dividend Yield
4.09%
ROCE (Latest)
2.77%
ROE (Latest)
13.69%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Sideways
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
NII(Q)
Highest at CNY 7,846.47 MM
OPERATING CASH FLOW(Y)
Highest at CNY 94,334 MM
CASH AND EQV(HY)
Highest at CNY 260,993.11 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 84.13%
OPERATING PROFIT(Q)
Highest at CNY 6,289.15 MM
OPERATING PROFIT MARGIN(Q)
Highest at 39.34 %
PRE-TAX PROFIT(Q)
Highest at CNY 7,620.92 MM
NET PROFIT(Q)
Highest at CNY 6,404.89 MM
EPS(Q)
Highest at CNY 0.88
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Bank of Hangzhou Co., Ltd.
NII
Highest at CNY 7,846.47 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at CNY 94,334 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (CNY MM)
Operating Profit
Highest at CNY 6,289.15 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (CNY MM)
Operating Profit Margin
Highest at 39.34 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at CNY 7,620.92 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (CNY MM)
Net Profit
Highest at CNY 6,404.89 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (CNY MM)
EPS
Highest at CNY 0.88
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (CNY)
Cash and Eqv
Highest at CNY 260,993.11 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 84.13%
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 (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
