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Bank of Hangzhou Co., Ltd.

  • Market Cap: Large Cap
  • Industry: Major Banks
  • ISIN: CNE100002GQ4
CNY
16.46
-0.13 (-0.78%)

Feb 06

SHG

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison

Company
Score
Quality
Valuation
Financial
Technical
Bank of Hangzhou Co., Ltd.

Why 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 20.81%
  • 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 Mar 25
  • OPERATING CASH FLOW(Y) Lowest at CNY -138,121.42 MM
  • CREDIT DEPOSIT RATIO(HY) Lowest at 78.58%
3
Underperformed the market in the last 1 year
  • The stock has generated a return of 12.89% in the last 1 year, much lower than market (China Shanghai Composite) returns of 26.21%
stock-recommendationReal-Time Research Report

Verdict Report

How much should you sell?

  1. All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Bank of Hangzhou Co., Ltd. for you?

Low Risk, Medium Return

Absolute
Risk Adjusted
Volatility
Bank of Hangzhou Co., Ltd.
11.44%
1.26
19.57%
China Shanghai Composite
24.3%
1.87
14.01%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor
Value
Sales Growth (5y)
8.96%
EBIT Growth (5y)
18.19%
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
23.70%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation

Valuation Scorecard stock-summary

stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary

Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
0.69
EV to EBIT
35.58
EV to EBITDA
33.62
EV to Capital Employed
0.94
EV to Sales
10.96
PEG Ratio
NA
Dividend Yield
4.11%
ROCE (Latest)
2.64%
ROE (Latest)
12.89%
stock-recommendationTechnicals

Technical key factors

Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
No Trend
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend

Financial Trend Scorecard stock-summary

stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

6What is working for the Company
NII(Q)

Highest at CNY 6,501.55 MM

CASH AND EQV(HY)

Highest at CNY 229,609.49 MM

PRE-TAX PROFIT(Q)

Highest at CNY 6,735.6 MM

NET PROFIT(Q)

Highest at CNY 5,734.12 MM

EPS(Q)

Highest at CNY 0.83

-4What is not working for the Company
OPERATING CASH FLOW(Y)

Lowest at CNY -138,121.42 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 78.58%

Here's what is working for Bank of Hangzhou Co., Ltd.

NII
Highest at CNY 6,501.55 MM
in the last five periods
MOJO Watch
The bank's income from core business is increasing

NII (CNY MM)

Pre-Tax Profit
Highest at CNY 6,735.6 MM
in the last five periods
MOJO Watch
Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (CNY MM)

Net Profit
Highest at CNY 5,734.12 MM
in the last five periods
MOJO Watch
Near term Net Profit trend is positive

Net Profit (CNY MM)

EPS
Highest at CNY 0.83
in the last five periods
MOJO Watch
Increasing profitability; company has created higher earnings for shareholders

EPS (CNY)

Cash and Eqv
Highest at CNY 229,609.49 MM
in the last six Semi-Annual periods
MOJO Watch
Short Term liquidity is improving

Cash and Cash Equivalents

CASA
Highest at 11.34%
in the last five periods
MOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for Bank of Hangzhou Co., Ltd.

Operating Cash Flow
Lowest at CNY -138,121.42 MM and Fallen
In each year in the last three years
MOJO Watch
The company's cash revenues from business operations are falling

Operating Cash Flows (CNY MM)

Credit Deposit Ratio
Lowest at 78.58%
in the last four Semi-Annual periods
MOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

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