Comparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Dongguan Rural Commercial Bank Co., Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
- 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 0.51% signifying low profitability per unit of total assets
2
Weak Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.51%
3
The company has declared Negative results for the last 3 consecutive quarters
- NII(Q) Lowest at HKD 4,856.67 MM
- GROSS NPA (%)(Q) Highest at 1.76%
- CASH AND EQV(HY) Lowest at HKD 38,652.97 MM
4
Below par performance in long term as well as near term
- Along with generating -11.83% returns in the last 1 year, the stock has also underperformed Hang Seng Hong Kong in the last 3 years, 1 year and 3 months
How 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 Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Dongguan Rural Commercial Bank Co., Ltd. for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Dongguan Rural Commercial Bank Co., Ltd.
-12.4%
-1.21
37.01%
Hang Seng Hong Kong
28.33%
1.06
25.88%
Quality key factors
Factor
Value
Sales Growth (5y)
0.40%
EBIT Growth (5y)
-5.39%
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
37.45%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
Valuation Key Factors 
Factor
Value
P/E Ratio
0
Industry P/E
Price to Book Value
0.07
EV to EBIT
34.35
EV to EBITDA
30.33
EV to Capital Employed
0.67
EV to Sales
5.07
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
1.95%
ROE (Latest)
16.25%
Technical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bullish
Dow Theory
No Trend
Bearish
OBV
No Trend
No Trend
Technical Movement
Not enough Data to analyse Financial Trend
Not enough Data to analyse Financial Trend
Here's what is working for Dongguan Rural Commercial Bank Co., Ltd.
Dividend Payout Ratio
Highest at 118.99%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
At HKD 239.71 MM has Grown at 6.13%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (HKD MM)
CASA
Highest at 14.37%
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 Dongguan Rural Commercial Bank Co., Ltd.
NII
Lowest at HKD 4,856.67 MM and Fallen
In each period in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (HKD MM)
Non Performing Loans (%)
Highest at 1.76%
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 11,676.29 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (HKD MM)
Operating Profit
Lowest at HKD 127.68 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (HKD MM)
Operating Profit Margin
Lowest at 1.09 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at HKD 374.58 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (HKD MM)
Pre-Tax Profit
Fallen at -65.61%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (HKD MM)
Net Profit
Lowest at HKD 1,257.37 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (HKD MM)
EPS
Lowest at HKD 0.23
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (HKD)
Cash and Eqv
Lowest at HKD 38,652.97 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Non Operating Income
Highest at HKD 0.08 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income






