ScoreWhy is Jiangsu Zijin Rural Commercial Bank Co. Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.10% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 2.80%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.10% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.55% signifying low profitability per unit of total assets
2
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 2.80%
3
Negative results in Mar 25
- OPERATING CASH FLOW(Y) Lowest at CNY -5,064.31 MM
- NET SALES(Q) Lowest at CNY 2,016.69 MM
- OPERATING PROFIT(Q) Lowest at CNY 164.36 MM
4
With ROA of 0.46%, it has a expensive valuation with a 0.50 Price to Book Value
- Over the past year, while the stock has generated a return of 1.45%, its profits have fallen by 0% ; the PEG ratio of the company is 6.2
- At the current price, the company has a high dividend yield of 3.6
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Jiangsu Zijin Rural Commercial 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 Jiangsu Zijin Rural Commercial Bank Co. Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Jiangsu Zijin Rural Commercial Bank Co. Ltd.
-100.0%
0.64
16.64%
China Shanghai Composite
24.3%
1.73
14.01%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
1.20%
EBIT Growth (5y)
1.32%
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
22.55%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
0.50
EV to EBIT
14.59
EV to EBITDA
13.22
EV to Capital Employed
0.75
EV to Sales
3.40
PEG Ratio
6.20
Dividend Yield
3.64%
ROCE (Latest)
5.13%
ROE (Latest)
8.10%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Sideways
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend0What is working for the Company
NO KEY POSITIVE TRIGGERS
-8What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at CNY -5,064.31 MM
NET SALES(Q)
Lowest at CNY 2,016.69 MM
OPERATING PROFIT(Q)
Lowest at CNY 164.36 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 8.15 %
Here's what is not working for Jiangsu Zijin Rural Commercial Bank Co. Ltd.
Net Sales
Lowest at CNY 2,016.69 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (CNY MM)
Operating Cash Flow
Lowest at CNY -5,064.31 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (CNY MM)
Operating Profit
Lowest at CNY 164.36 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (CNY MM)
Operating Profit Margin
Lowest at 8.15 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
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