ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Bank of Jiujiang Co., Ltd. ?
1
Weak Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.23%
- Poor long term growth as Net profit has grown by an annual rate of -29.00%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
2
Flat results in Jun 26
- OPERATING CASH FLOW(Y) Lowest at HKD 4,272.8 MM
- ROCE(HY) Lowest at 0.1%
- NET SALES(Q) Lowest at HKD 9,111.2 MM
3
With ROA of 0.28%, it has a Fair valuation with a 0.03 Price to Book Value
- Over the past year, while the stock has generated a return of -19.40%, its profits have fallen by -23.6%
4
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -19.40% 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?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bank of Jiujiang Co., Ltd.
-19.4%
-1.31
43.21%
Hang Seng Hong Kong
-4.77%
-0.26
18.70%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-0.99%
EBIT Growth (5y)
-17.92%
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
34.40%
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
58.51
EV to EBITDA
36.60
EV to Capital Employed
0.62
EV to Sales
3.25
PEG Ratio
NA
Dividend Yield
26.16%
ROCE (Latest)
1.06%
ROE (Latest)
5.88%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
NET PROFIT(Q)
At HKD 194.35 MM has Grown at 386.79%
ROCE(HY)
Highest at 0.1%
PRE-TAX PROFIT(Q)
At HKD 607.21 MM has Grown at 147.27%
GROSS NPA (%)
(Q
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at HKD 4,272.8 MM
ROCE(HY)
Lowest at 0.1%
NET SALES(Q)
Lowest at HKD 9,111.2 MM
Here's what is working for Bank of Jiujiang Co., Ltd.
Net Profit
At HKD 194.35 MM has Grown at 386.79%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (HKD MM)
Pre-Tax Profit
At HKD 607.21 MM has Grown at 147.27%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (HKD MM)
Non Performing Loans (%)
Lowest at 1.77%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Here's what is not working for Bank of Jiujiang Co., Ltd.
Operating Cash Flow
Lowest at HKD 4,272.8 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 9,111.2 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (HKD MM)
Capital Adequacy Ratio
Lowest at 10.94%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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