ScoreWhy is Ping An Bank Co., Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.85% 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 7.80%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.85% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.57% signifying low profitability per unit of total assets
2
Flat results in Mar 26
- NET SALES(Q) Lowest at CNY 39,895 MM
- CASH AND EQV(HY) Lowest at CNY 514,279 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 102.69%
3
With ROA of 0.64%, it has a fair valuation with a 0.46 Price to Book Value
- Over the past year, while the stock has generated a return of -13.60%, its profits have fallen by -4%
- At the current price, the company has a high dividend yield of 5.4
4
Majority shareholders : Non Institution
5
Below par performance in long term as well as near term
- Along with generating -13.60% returns in the last 1 year, the stock has also underperformed China Shanghai Composite in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Ping An Bank Co., Ltd. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Ping An Bank Co., Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Ping An Bank Co., Ltd.
-100.0%
-0.33
15.72%
China Shanghai Composite
19.22%
1.40
13.75%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-2.20%
EBIT Growth (5y)
-6.98%
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
28.83%
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
0.46
EV to EBIT
36.10
EV to EBITDA
32.41
EV to Capital Employed
0.85
EV to Sales
7.84
PEG Ratio
NA
Dividend Yield
5.42%
ROCE (Latest)
2.37%
ROE (Latest)
8.83%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
OPERATING PROFIT(Q)
Highest at CNY 12,842 MM
OPERATING PROFIT MARGIN(Q)
Highest at 32.19 %
PRE-TAX PROFIT(Q)
Highest at CNY 17,399 MM
NET PROFIT(Q)
Highest at CNY 13,842 MM
-8What is not working for the Company
NET SALES(Q)
Lowest at CNY 39,895 MM
CASH AND EQV(HY)
Lowest at CNY 514,279 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 102.69%
Here's what is working for Ping An Bank Co., Ltd.
Operating Profit
Highest at CNY 12,842 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (CNY MM)
Operating Profit Margin
Highest at 32.19 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at CNY 17,399 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (CNY MM)
Net Profit
Highest at CNY 13,842 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (CNY MM)
Here's what is not working for Ping An Bank Co., Ltd.
Net Sales
Lowest at CNY 39,895 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (CNY MM)
Cash and Eqv
Lowest at CNY 514,279 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Credit Deposit Ratio
Lowest at 102.69%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
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