ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Jinshang Bank Co., Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.63% signifying inadequate buffers against its risk based assets
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.63% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.44% signifying low profitability per unit of total assets
2
Negative results in Dec 25
- OPERATING CASH FLOW(Y) Lowest at HKD 8,294.17 MM
- GROSS NPA (%)(Q) Highest at 1.82%
- NII(Q) Lowest at HKD 2,008.42 MM
3
With ROA of 0.79%, it has a Attractive valuation with a 0.28 Price to Book Value
- Over the past year, while the stock has generated a return of -9.42%, its profits have fallen by -2.7%
4
Below par performance in long term as well as near term
- Along with generating -9.42% returns in the last 1 year, the stock has also underperformed Hang Seng Hong Kong in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Jinshang 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 Jinshang Bank Co., Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Jinshang Bank Co., Ltd.
-9.42%
-0.43
22.09%
Hang Seng Hong Kong
8.76%
0.45
19.63%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
4.43%
EBIT Growth (5y)
7.09%
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
18.63%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
2
Industry P/E
Price to Book Value
0.28
EV to EBIT
20.68
EV to EBITDA
17.41
EV to Capital Employed
0.64
EV to Sales
3.04
PEG Ratio
NA
Dividend Yield
1.06%
ROCE (Latest)
3.09%
ROE (Latest)
14.71%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend0What is working for the Company
NO KEY POSITIVE TRIGGERS
-15What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at HKD 8,294.17 MM
GROSS NPA (%)
(Q
NII(Q)
Lowest at HKD 2,008.42 MM
DIVIDEND PAYOUT RATIO(Y)
Lowest at 50.16%
DIVIDEND PER SHARE(HY)
Lowest at HKD 0
NET SALES(Q)
Lowest at HKD 5,666.19 MM
OPERATING PROFIT(Q)
Lowest at HKD -419.72 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -7.41 %
PRE-TAX PROFIT(Q)
Lowest at HKD 426.25 MM
NET PROFIT(Q)
Lowest at HKD 430.88 MM
EPS(Q)
Lowest at HKD 0.11
Here's what is working for Jinshang Bank Co., Ltd.
Depreciation
Highest at HKD 178.6 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (HKD MM)
Depreciation
At HKD 178.6 MM has Grown at 10.39%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (HKD MM)
CASA
Highest at 11.24%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Jinshang Bank Co., Ltd.
Operating Cash Flow
Lowest at HKD 8,294.17 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 (HKD MM)
Non Performing Loans (%)
Highest at 1.82%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
NII
Lowest at HKD 2,008.42 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (HKD MM)
Net Sales
Lowest at HKD 5,666.19 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (HKD MM)
Operating Profit
Lowest at HKD -419.72 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (HKD MM)
Operating Profit Margin
Lowest at -7.41 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at HKD 426.25 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (HKD MM)
Net Profit
Lowest at HKD 430.88 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (HKD MM)
EPS
Lowest at HKD 0.11
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (HKD)
Dividend per share
Lowest at HKD 0
in the last five yearsMOJO Watch
Company is distributing lower dividend than previous years
DPS (HKD)
Dividend Payout Ratio
Lowest at 50.16%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
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