ScoreWhy is Hua Xia Bank Co., Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.45%
- The bank has been able to generate a Return on Assets (avg) of 0.45% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.87% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 5.00%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.87% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.45% signifying low profitability per unit of total assets
3
Poor long term growth as Net profit has grown by an annual rate of 5.00%
4
Negative results in Jun 26
- OPERATING CASH FLOW(Y) Lowest at CNY 51,600 MM
- NET SALES(Q) Lowest at CNY 33,155 MM
- OPERATING PROFIT(Q) Lowest at CNY 2,082 MM
5
With ROA of 0.53%, it has a fair valuation with a 0.32 Price to Book Value
- Over the past year, while the stock has generated a return of -8.37%, its profits have fallen by -2%
- At the current price, the company has a high dividend yield of 1.5
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Hua Xia Bank Co., Ltd. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Hua Xia Bank Co., Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Hua Xia Bank Co., Ltd.
-8.38%
-0.44
18.62%
China Shanghai Composite
0.9%
0.22
14.72%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-1.70%
EBIT Growth (5y)
2.18%
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
25.94%
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
0.32
EV to EBIT
62.50
EV to EBITDA
53.37
EV to Capital Employed
0.89
EV to Sales
13.70
PEG Ratio
NA
Dividend Yield
1.49%
ROCE (Latest)
1.43%
ROE (Latest)
8.46%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
GROSS NPA (%)
(Q
-11What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at CNY 51,600 MM
NET SALES(Q)
Lowest at CNY 33,155 MM
OPERATING PROFIT(Q)
Lowest at CNY 2,082 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 6.28 %
PRE-TAX PROFIT(Q)
Lowest at CNY 5,914 MM
NET PROFIT(Q)
Lowest at CNY 4,378 MM
EPS(Q)
Lowest at CNY 0.28
Here's what is working for Hua Xia Bank Co., Ltd.
Non Performing Loans (%)
Lowest at 1.44%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Here's what is not working for Hua Xia Bank Co., Ltd.
Operating Cash Flow
Lowest at CNY 51,600 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 (CNY MM)
Net Sales
Lowest at CNY 33,155 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (CNY MM)
Operating Profit
Lowest at CNY 2,082 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (CNY MM)
Operating Profit Margin
Lowest at 6.28 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at CNY 5,914 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (CNY MM)
Pre-Tax Profit
At CNY 5,914 MM has Fallen at -30.53%
over average net sales of the previous four periods of CNY 8,513.5 MMMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (CNY MM)
Net Profit
Lowest at CNY 4,378 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (CNY MM)
Net Profit
At CNY 4,378 MM has Fallen at -35.44%
over average net sales of the previous four periods of CNY 6,781 MMMOJO Watch
Near term Net Profit trend is negative
Net Profit (CNY MM)
EPS
Lowest at CNY 0.28
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (CNY)
Capital Adequacy Ratio
Lowest at 11.04%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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