ScoreWhy is Bank of Xi'an Co., Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.00% 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 0.14%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.00% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.59% signifying low profitability per unit of total assets
2
Positive results in Sep 25
- NII(Q) Highest at CNY 2,411.53 MM
- OPERATING CASH FLOW(Y) Highest at CNY 19,948.01 MM
- NET SALES(Q) Highest at CNY 4,792.79 MM
3
With ROA of 0.33%, it has a fair valuation with a 0.51 Price to Book Value
- Over the past year, while the stock has generated a return of 8.45%, its profits have risen by 4.9% ; the PEG ratio of the company is 1.4
- At the current price, the company has a high dividend yield of 2.5
4
Underperformed the market in the last 1 year
- The stock has generated a return of 8.45% in the last 1 year, much lower than market (China Shanghai Composite) returns of 22.49%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bank of Xi'an 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 Xi'an Co., Ltd. for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bank of Xi'an Co., Ltd.
-11.0%
0.37
24.41%
China Shanghai Composite
21.43%
1.58
14.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.97%
EBIT Growth (5y)
-1.02%
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
16.77%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
0.43
EV to EBIT
57.47
EV to EBITDA
53.96
EV to Capital Employed
0.86
EV to Sales
6.85
PEG Ratio
1.42
Dividend Yield
2.88%
ROCE (Latest)
1.50%
ROE (Latest)
7.51%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
OPERATING CASH FLOW(Y)
Highest at CNY 10,202.24 MM
OPERATING PROFIT(Q)
Highest at CNY 606.61 MM
OPERATING PROFIT MARGIN(Q)
Highest at 13.12 %
PRE-TAX PROFIT(Q)
Highest at CNY 744.05 MM
NET PROFIT(Q)
Highest at CNY 755.87 MM
EPS(Q)
Highest at CNY 0.17
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Bank of Xi'an Co., Ltd.
Operating Cash Flow
Highest at CNY 10,202.24 MM and Grown
In each year 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 606.61 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (CNY MM)
Operating Profit Margin
Highest at 13.12 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at CNY 744.05 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 755.87 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (CNY MM)
EPS
Highest at CNY 0.17
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (CNY)
CASA
Highest at 10.62%
in the last five periodsMOJO 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 (%)
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."
