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Guangzhou Rural Commercial Bank Co. Ltd.

  • Market Cap: N/A
  • Industry: Regional Banks
  • ISIN: CNE100002FR4
HKD
1.53
0.00 (0.00%)

Dec 12

HKG

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
Dah Sing Financial Holdings Ltd.
Dah Sing Banking Group Ltd.
Bank of Qingdao Co., Ltd.
China Merchants Bank Co., Ltd.
Dongguan Rural Commercial Bank Co., Ltd.
Chongqing Rural Commercial Bank Co., Ltd.
Hang Seng Bank Ltd.
Bank of Communications Co., Ltd.
China Construction Bank Corp.
Guangzhou Rural Commercial Bank Co. Ltd.
China Minsheng Banking Corp., Ltd.
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
The company has declared Negative results for the last 4 consecutive quarters
  • OPERATING CASH FLOW(Y) Lowest at HKD 15,387.62 MM
  • OPERATING PROFIT(Q) Lowest at HKD -826.13 MM
  • OPERATING PROFIT MARGIN(Q) Lowest at -3.93 %
3
Consistent Underperformance against the benchmark over the last 3 years
  • Along with generating -12.57% returns in the last 1 year, the stock has also underperformed Hang Seng Hong Kong in each of the last 3 annual periods
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. 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.
-12.57%
-0.67
35.33%
Hang Seng Hong Kong
27.36%
1.03
25.88%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality 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
46.22%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
1
Industry P/E
Price to Book Value
0.05
EV to EBIT
229.56
EV to EBITDA
133.70
EV to Capital Employed
0.69
EV to Sales
5.10
PEG Ratio
NA
Dividend Yield
2.83%
ROCE (Latest)
0.30%
ROE (Latest)
5.81%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bullish
Dow Theory
No Trend
No Trend
OBV
Mildly Bearish
No Trend
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

Icon
Not enough Data to analyse Financial Trend
Icon
Not enough Data to analyse Financial Trend
Here's what is working for Guangzhou Rural Commercial Bank Co. Ltd.
Non Performing Loans (%)
Lowest at 1.48%
in the last four Semi-Annual periods
MOJO Watch
Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

CASA
Highest at 11.42%
in the last five periods
MOJO 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 Guangzhou Rural Commercial Bank Co. Ltd.
Operating Cash Flow
Lowest at HKD 15,387.62 MM and Fallen
In each year in the last three years
MOJO Watch
The company's cash revenues from business operations are falling

Operating Cash Flows (HKD MM)

Operating Profit
Lowest at HKD -826.13 MM
in the last five periods
MOJO Watch
Near term Operating Profit trend is negative

Operating Profit (HKD MM)

Operating Profit Margin
Lowest at -3.93 %
in the last five periods
MOJO Watch
Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit
Lowest at HKD 63.06 MM
in the last five periods
MOJO Watch
Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (HKD MM)

Pre-Tax Profit
Fallen at -93.85%
Year on Year (YoY)
MOJO Watch
Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (HKD MM)

Net Profit
Lowest at HKD 638.99 MM
in the last five periods
MOJO Watch
Near term Net Profit trend is negative

Net Profit (HKD MM)

Non Operating Income
Highest at HKD 1.29 MM
in the last five periods
MOJO Watch
Increased income from non business activities may not be sustainable

Non Operating income

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