ScoreWhy is Industrial Bank Co., Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.63%
- The bank has been able to generate a Return on Assets (avg) of 0.63% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.91% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 2.50%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.91% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.63% signifying low profitability per unit of total assets
3
Poor long term growth as Net profit has grown by an annual rate of 2.50%
4
Flat results in Jun 26
- NET SALES(Q) Lowest at CNY 72,963 MM
- NII(Q) Lowest at CNY 35,886 MM
- OPERATING PROFIT(Q) Lowest at CNY 10,759 MM
5
With ROA of 0.54%, it has a fair valuation with a 0.43 Price to Book Value
- Over the past year, while the stock has generated a return of -11.13%, its profits have fallen by -1%
- At the current price, the company has a high dividend yield of 6.2
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Industrial Bank Co., 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 Industrial Bank Co., Ltd. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Industrial Bank Co., Ltd.
-11.66%
0.11
18.73%
China Shanghai Composite
0.9%
0.22
14.72%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
0.20%
EBIT Growth (5y)
-2.49%
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
30.78%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
0.43
EV to EBIT
48.50
EV to EBITDA
44.85
EV to Capital Employed
0.90
EV to Sales
13.08
PEG Ratio
NA
Dividend Yield
6.24%
ROCE (Latest)
1.85%
ROE (Latest)
9.08%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
CASH AND EQV(HY)
Highest at CNY 952,232 MM
-6What is not working for the Company
NET SALES(Q)
Lowest at CNY 72,963 MM
NII(Q)
Lowest at CNY 35,886 MM
OPERATING PROFIT(Q)
Lowest at CNY 10,759 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 14.75 %
Here's what is working for Industrial Bank Co., Ltd.
Cash and Eqv
Highest at CNY 952,232 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Industrial Bank Co., Ltd.
Net Sales
Lowest at CNY 72,963 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (CNY MM)
NII
Lowest at CNY 35,886 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (CNY MM)
Operating Profit
Lowest at CNY 10,759 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (CNY MM)
Operating Profit Margin
Lowest at 14.75 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Non Operating Income
Highest at CNY 0.01 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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