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Jiangsu Zijin Rural Commercial Bank Co. Ltd.

  • Market Cap: Mid Cap
  • Industry: Regional Banks
  • ISIN: CNE100003GZ3
  • SHG: 601860
CNY
2.53
-0.02 (-0.78%)

Sep 24

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

Comparison

Company
Score
Quality
Valuation
Financial
Technical
Jiangsu Zijin Rural Commercial Bank Co. Ltd.

Why is Jiangsu Zijin Rural Commercial Bank Co. Ltd. ?

1
Poor Management Efficiency with a low ROA of 0.55%
  • The bank has been able to generate a Return on Assets (avg) of 0.55% signifying low profitability per unit of total assets
2
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 profit has grown by an annual rate of -2.90%
  • 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
3
Poor long term growth as Net profit has grown by an annual rate of -2.90%
4
Flat results in Jun 26
  • OPERATING CASH FLOW(Y) Lowest at CNY 1,389.37 MM
  • NET SALES(Q) Lowest at CNY 1,830.8 MM
  • GROSS NPA (%)(Q) Highest at 1.35%
5
With ROA of 0.35%, it has a very expensive valuation with a 0.44 Price to Book Value
  • Over the past year, while the stock has generated a return of -10.49%, its profits have fallen by -23%
  • At the current price, the company has a high dividend yield of 4
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.
-11.54%
0.06
18.71%
China Shanghai Composite
0.9%
0.22
14.72%
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)
-0.30%
EBIT Growth (5y)
-6.30%
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
29.42%
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
7
Industry P/E
Price to Book Value
0.44
EV to EBIT
31.64
EV to EBITDA
27.09
EV to Capital Employed
0.76
EV to Sales
4.79
PEG Ratio
NA
Dividend Yield
4.03%
ROCE (Latest)
2.40%
ROE (Latest)
5.99%
stock-recommendationTechnicals

Technical key factors

Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bearish
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

7What is working for the Company
NII(Q)

Highest at CNY 798.2 MM

OPERATING PROFIT(Q)

Highest at CNY 400.39 MM

OPERATING PROFIT MARGIN(Q)

Highest at 21.87 %

PRE-TAX PROFIT(Q)

At CNY 547.13 MM has Grown at 57.4%

NET PROFIT(Q)

Highest at CNY 514.3 MM

-7What is not working for the Company
OPERATING CASH FLOW(Y)

Lowest at CNY 1,389.37 MM

NET SALES(Q)

Lowest at CNY 1,830.8 MM

GROSS NPA (%)

(Q

Here's what is working for Jiangsu Zijin Rural Commercial Bank Co. Ltd.

NII
Highest at CNY 798.2 MM
in the last five periods
MOJO Watch
The bank's income from core business is increasing

NII (CNY MM)

Operating Profit
Highest at CNY 400.39 MM
in the last five periods
MOJO Watch
Near term Operating Profit trend is positive

Operating Profit (CNY MM)

Operating Profit Margin
Highest at 21.87 %
in the last five periods
MOJO Watch
Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit
At CNY 547.13 MM has Grown at 57.4%
over average net sales of the previous four periods of CNY 347.61 MM
MOJO Watch
Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (CNY MM)

Net Profit
Highest at CNY 514.3 MM
in the last five periods
MOJO Watch
Near term Net Profit trend is positive

Net Profit (CNY MM)

Net Profit
At CNY 514.3 MM has Grown at 64.41%
over average net sales of the previous four periods of CNY 312.82 MM
MOJO Watch
Near term Net Profit trend is positive

Net Profit (CNY MM)

Here's what is not working for Jiangsu Zijin Rural Commercial Bank Co. Ltd.

Operating Cash Flow
Lowest at CNY 1,389.37 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 (CNY MM)

Net Sales
Lowest at CNY 1,830.8 MM and Fallen
In each period in the last five periods
MOJO Watch
Near term sales trend is very negative

Net Sales (CNY MM)

Non Performing Loans (%)
Highest at 1.35%
in the last four Semi-Annual periods
MOJO Watch
Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

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