ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Guangzhou Rural Commercial Bank Co. Ltd. ?
1
Weak Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.18%
- Poor long term growth as Net profit has grown by an annual rate of -22.70%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
2
Flat results in Dec 25
- OPERATING CASH FLOW(Y) Lowest at HKD 17,195.81 MM
- DIVIDEND PAYOUT RATIO(Y) Lowest at 93.36%
- CREDIT DEPOSIT RATIO(HY) Lowest at 81.39%
3
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -5.63% returns in the last 1 year, the stock has also underperformed Hang Seng Hong Kong in each of the last 3 annual periods
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 Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Guangzhou Rural Commercial Bank Co. Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Guangzhou Rural Commercial Bank Co. Ltd.
-5.63%
-0.84
29.00%
Hang Seng Hong Kong
8.76%
0.45
19.63%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-1.27%
EBIT Growth (5y)
-23.14%
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
39.40%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
4
Industry P/E
Price to Book Value
0.21
EV to EBIT
271.91
EV to EBITDA
160.23
EV to Capital Employed
0.76
EV to Sales
6.33
PEG Ratio
NA
Dividend Yield
0.61%
ROCE (Latest)
0.28%
ROE (Latest)
5.02%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bullish
Dow Theory
No Trend
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
PRE-TAX PROFIT(Q)
At HKD 863.07 MM has Grown at 1,268.67%
NET PROFIT(Q)
At HKD 1,349.87 MM has Grown at 111.25%
CASH AND EQV(HY)
Highest at HKD 97,418.75 MM
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at HKD 17,195.81 MM
DIVIDEND PAYOUT RATIO(Y)
Lowest at 93.36%
CREDIT DEPOSIT RATIO(HY)
Lowest at 81.39%
Here's what is working for Guangzhou Rural Commercial Bank Co. Ltd.
Pre-Tax Profit
At HKD 863.07 MM has Grown at 1,268.67%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (HKD MM)
Net Profit
At HKD 1,349.87 MM has Grown at 111.25%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (HKD MM)
Cash and Eqv
Highest at HKD 97,418.75 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
At HKD 376.75 MM has Grown at 15.9%
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)
Here's what is not working for Guangzhou Rural Commercial Bank Co. Ltd.
Operating Cash Flow
Lowest at HKD 17,195.81 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (HKD MM)
Dividend Payout Ratio
Lowest at 93.36% and Fallen
In each year in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
Credit Deposit Ratio
Lowest at 81.39%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
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