ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Dah Sing Banking Group 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 Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 0.93%
- 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 0.72% signifying low profitability per unit of total assets
2
Positive results in Dec 24
- NII(Q) Highest at HKD 2,761.95 MM
3
With ROA of 1.36%, it has a Attractive valuation with a 0.44 Price to Book Value
- Over the past year, while the stock has generated a return of 47.00%, its profits have fallen by -7.6%
4
Consistent Returns over the last 3 years
- Along with generating 47.00% returns in the last 1 year, the stock has outperformed Hang Seng Hong Kong in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Dah Sing Banking Group 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 Dah Sing Banking Group Ltd. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Dah Sing Banking Group Ltd.
44.31%
2.67
28.62%
Hang Seng Hong Kong
27.36%
1.03
25.88%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.31%
EBIT Growth (5y)
3.50%
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
45.03%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
3
Industry P/E
Price to Book Value
0.44
EV to EBIT
10.24
EV to EBITDA
8.12
EV to Capital Employed
0.44
EV to Sales
1.21
PEG Ratio
NA
Dividend Yield
0.19%
ROCE (Latest)
4.29%
ROE (Latest)
13.34%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend
Not enough Data to analyse Financial Trend
Not enough Data to analyse Financial Trend
Here's what is working for Dah Sing Banking Group Ltd.
NII
Highest at HKD 2,761.95 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (HKD MM)
CASA
Highest at 17.6%
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 Dah Sing Banking Group Ltd.
Non Performing Loans (%)
Highest at 2.86%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Profit
Lowest at HKD 669.28 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (HKD MM)
Operating Profit Margin
Lowest at 11.24 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at HKD 654.65 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (HKD MM)
Net Profit
Lowest at HKD 738.29 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (HKD MM)
Cash and Eqv
Lowest at HKD 2,670.57 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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