ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Bank of Jiujiang 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 profit has grown by an annual rate of -30.83%
- 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 0.23% signifying low profitability per unit of total assets
2
Negative results in Jun 25
- OPERATING CASH FLOW(Y) Lowest at HKD 1,813.22 MM
- NII(Q) Lowest at HKD 4,402.08 MM
- CASH AND EQV(HY) Lowest at HKD 26,995.67 MM
3
With ROA of 0.40%, it has a Fair valuation with a 0.04 Price to Book Value
- Over the past year, while the stock has generated a return of -52.77%, its profits have fallen by -31.7%
4
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -52.77% 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 Jiujiang 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 Jiujiang Co., Ltd. for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bank of Jiujiang Co., Ltd.
-52.77%
-1.65
39.04%
Hang Seng Hong Kong
8.25%
0.41
19.93%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
0.66%
EBIT Growth (5y)
-22.10%
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
40.15%
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
0.04
EV to EBIT
65.66
EV to EBITDA
41.27
EV to Capital Employed
0.66
EV to Sales
3.30
PEG Ratio
NA
Dividend Yield
8.94%
ROCE (Latest)
1.01%
ROE (Latest)
8.41%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bullish
RSI
Bearish
Bullish
Bollinger Bands
Mildly Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
No Trend
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Highest at 96.12%
-13What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at HKD 1,813.22 MM
NII(Q)
Lowest at HKD 4,402.08 MM
CASH AND EQV(HY)
Lowest at HKD 26,995.67 MM
NET SALES(Q)
Lowest at HKD 9,149.55 MM
OPERATING PROFIT(Q)
Lowest at HKD -787.46 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -8.61 %
PRE-TAX PROFIT(Q)
Lowest at HKD 245.56 MM
NET PROFIT(Q)
Lowest at HKD -67.77 MM
Here's what is working for Bank of Jiujiang Co., Ltd.
Non Performing Loans (%)
Lowest at 1.83%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Credit Deposit Ratio
Highest at 96.12%
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 Jiujiang Co., Ltd.
Net Profit
At HKD -67.77 MM has Fallen at -121.62%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (HKD MM)
NII
Lowest at HKD 4,402.08 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 1,813.22 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 9,149.55 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (HKD MM)
Operating Profit
Lowest at HKD -787.46 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (HKD MM)
Operating Profit Margin
Lowest at -8.61 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at HKD 245.56 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 -61.55%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (HKD MM)
Net Profit
Lowest at HKD -67.77 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (HKD MM)
Cash and Eqv
Lowest at HKD 26,995.67 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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."
