ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Dah Sing Financial Holdings 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 profit has grown by an annual rate of 3.21%
- 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 0.61% signifying low profitability per unit of total assets
2
Flat results in Dec 25
- GROSS NPA (%)(Q) Highest at 2.95%
- ROCE(HY) Lowest at 0.77%
- NET SALES(Q) Lowest at HKD 5,170.04 MM
3
With ROA of 1.12%, it has a Very Attractive valuation with a 0.36 Price to Book Value
- Over the past year, while the stock has generated a return of 48.46%, its profits have fallen by -1.7%
4
Market Beating performance in long term as well as near term
- Along with generating 48.46% returns in the last 1 year, the stock has outperformed Hang Seng Hong Kong in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Dah Sing Financial Holdings 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 Financial Holdings Ltd. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Dah Sing Financial Holdings Ltd.
48.46%
4.14
24.38%
Hang Seng Hong Kong
8.76%
0.45
19.63%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.35%
EBIT Growth (5y)
8.81%
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
40.00%
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
0.36
EV to EBIT
0.48
EV to EBITDA
0.41
EV to Capital Employed
0.04
EV to Sales
0.08
PEG Ratio
NA
Dividend Yield
0.10%
ROCE (Latest)
8.12%
ROE (Latest)
11.45%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
OPERATING CASH FLOW(Y)
Highest at HKD 9,582.75 MM
ROCE(HY)
Highest at 0.77%
NII(Q)
Highest at HKD 3,180.31 MM
PRE-TAX PROFIT(Q)
At HKD 1,304.78 MM has Grown at 73.87%
NET PROFIT(Q)
At HKD 1,132.23 MM has Grown at 73.19%
-9What is not working for the Company
GROSS NPA (%)
(Q
ROCE(HY)
Lowest at 0.77%
NET SALES(Q)
Lowest at HKD 5,170.04 MM
DIVIDEND PAYOUT RATIO(Y)
Lowest at 0%
DIVIDEND PER SHARE(HY)
Lowest at HKD 0
Here's what is working for Dah Sing Financial Holdings Ltd.
Operating Cash Flow
Highest at HKD 9,582.75 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 (HKD MM)
NII
Highest at HKD 3,180.31 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (HKD MM)
Pre-Tax Profit
At HKD 1,304.78 MM has Grown at 73.87%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (HKD MM)
Net Profit
At HKD 1,132.23 MM has Grown at 73.19%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (HKD MM)
Here's what is not working for Dah Sing Financial Holdings Ltd.
Non Performing Loans (%)
Highest at 2.95% and Grown
In each half year 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 HKD 5,170.04 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (HKD MM)
Dividend per share
Lowest at HKD 0
in the last five yearsMOJO Watch
Company is distributing lower dividend than previous years
DPS (HKD)
Dividend Payout Ratio
Lowest at 0%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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