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Jiangsu Zijin Rural Commercial Bank Co. Ltd.

  • Market Cap: Mid Cap
  • Industry: Regional Banks
  • ISIN: CNE100003GZ3
CNY
2.80
-0.01 (-0.36%)

Dec 04

SHG

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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
Jiangsu Zijin Rural Commercial Bank Co. Ltd.
Why 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 -4.44%, 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
5
Below par performance in long term as well as near term
  • Along with generating -4.44% returns in the last 1 year, the stock has also underperformed China Shanghai Composite in the last 3 years, 1 year and 3 months
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 Jiangsu Zijin Rural Commercial Bank Co. Ltd. for you?

Low Risk, Medium Return

Absolute
Risk Adjusted
Volatility
Jiangsu Zijin Rural Commercial Bank Co. Ltd.
-4.44%
0.58
18.49%
China Shanghai Composite
14.77%
1.01
14.58%
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)
1.20%
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
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
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%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Sideways
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bearish
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

0What is working for the Company
Icon
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 periods
MOJO 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 years
MOJO 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 periods
MOJO Watch
Near term Operating Profit trend is negative

Operating Profit (CNY MM)

Operating Profit Margin
Lowest at 8.15 %
in the last five periods
MOJO Watch
Company's profit margin has deteriorated

Operating Profit to Sales

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