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 -0.77%
- 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 Mar 25
- OPERATING CASH FLOW(Y) Highest at CNY 6,853.45 MM
- NET SALES(Q) Highest at CNY 4,186.96 MM
- NII(Q) Highest at CNY 1,806.72 MM
3
With ROA of 0.33%, it has a fair valuation with a 0.52 Price to Book Value
- Over the past year, while the stock has generated a return of 2.68%, 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 2.68% in the last 1 year, much lower than market (China Shanghai Composite) returns of 14.77%
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, Medium Return
Absolute
Risk Adjusted
Volatility
Bank of Xi'an Co., Ltd.
2.68%
0.49
25.38%
China Shanghai Composite
14.77%
1.01
14.58%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.74%
EBIT Growth (5y)
0.51%
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
17.37%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
0.52
EV to EBIT
56.61
EV to EBITDA
52.03
EV to Capital Employed
0.88
EV to Sales
7.26
PEG Ratio
1.39
Dividend Yield
2.50%
ROCE (Latest)
1.55%
ROE (Latest)
7.51%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
OPERATING CASH FLOW(Y)
Highest at CNY 6,853.45 MM
NET SALES(Q)
Highest at CNY 4,186.96 MM
NII(Q)
Highest at CNY 1,806.72 MM
CASH AND EQV(HY)
Highest at CNY 59,709.47 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 77.65%
NET PROFIT(Q)
Highest at CNY 711.99 MM
EPS(Q)
Highest at CNY 0.16
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Bank of Xi'an Co., Ltd.
Net Sales
Highest at CNY 4,186.96 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (CNY MM)
NII
Highest at CNY 1,806.72 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (CNY MM)
Operating Cash Flow
Highest at CNY 6,853.45 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (CNY MM)
Net Profit
Highest at CNY 711.99 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (CNY MM)
EPS
Highest at CNY 0.16
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (CNY)
Cash and Eqv
Highest at CNY 59,709.47 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 77.65%
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 Xi'an Co., Ltd.
Non Operating Income
Highest at CNY 0.13 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
Capital Adequacy Ratio
Lowest at 9.36%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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