ScoreWhy is Bank of Xi'an Co., Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.59%
- The bank has been able to generate a Return on Assets (avg) of 0.59% signifying low profitability per unit of total assets
2
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 profit has grown by an annual rate of -0.01%
- 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
3
Poor long term growth as Net profit has grown by an annual rate of -0.01%
4
Flat results in Jun 26
- GROSS NPA (%)(Q) Highest at 1.75%
- NET SALES(Q) Lowest at CNY 4,500.26 MM
- OPERATING PROFIT(Q) Lowest at CNY -197.12 MM
5
With ROA of 0.47%, it has a fair valuation with a 0.41 Price to Book Value
- Over the past year, while the stock has generated a return of -12.47%, its profits have risen by 4.1% ; the PEG ratio of the company is 1.4
- At the current price, the company has a high dividend yield of 3
Real-Time Research ReportHow much should you sell?
- 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 Xi'an Co., Ltd. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Bank of Xi'an Co., Ltd.
-12.94%
0.13
23.21%
China Shanghai Composite
3.0%
0.22
14.72%
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
0.41
EV to EBIT
57.23
EV to EBITDA
53.73
EV to Capital Employed
0.86
EV to Sales
6.82
PEG Ratio
1.37
Dividend Yield
2.99%
ROCE (Latest)
1.50%
ROE (Latest)
7.51%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend0What is working for the Company
NO KEY POSITIVE TRIGGERS
-5What is not working for the Company
GROSS NPA (%)
(Q
NET SALES(Q)
Lowest at CNY 4,500.26 MM
OPERATING PROFIT(Q)
Lowest at CNY -197.12 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -4.38 %
Here's what is working for Bank of Xi'an Co., Ltd.
CASA
Highest at 10.7%
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 (%)
Here's what is not working for Bank of Xi'an Co., Ltd.
Non Performing Loans (%)
Highest at 1.75%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Net Sales
Lowest at CNY 4,500.26 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (CNY MM)
Operating Profit
Lowest at CNY -197.12 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (CNY MM)
Operating Profit Margin
Lowest at -4.38 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
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