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 8.60%
- 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 Sep 25
- NET SALES(Q) Lowest at CNY 41,933 MM
- CASH AND EQV(HY) Lowest at CNY 528,317 MM
3
With ROA of 0.52%, it has a very attractive valuation with a 0.48 Price to Book Value
- Over the past year, while the stock has generated a return of -4.29%, its profits have fallen by -4%
- At the current price, the company has a high dividend yield of 5.3
4
Majority shareholders : Non Institution
5
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -4.29% returns in the last 1 year, the stock has also underperformed China Shanghai Composite in each of the last 3 annual periods
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.
-4.29%
-0.03
15.83%
China Shanghai Composite
15.17%
1.02
14.86%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
4.00%
EBIT Growth (5y)
9.52%
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
28.32%
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
0.48
EV to EBIT
26.02
EV to EBITDA
23.68
EV to Capital Employed
0.85
EV to Sales
6.34
PEG Ratio
NA
Dividend Yield
5.33%
ROCE (Latest)
3.28%
ROE (Latest)
9.25%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
OPERATING PROFIT(Q)
Highest at CNY 12,269 MM
OPERATING PROFIT MARGIN(Q)
Highest at 29.26 %
-10What is not working for the Company
NET SALES(Q)
Lowest at CNY 41,933 MM
CASH AND EQV(HY)
Lowest at CNY 528,317 MM
Here's what is working for Ping An Bank Co., Ltd.
Operating Profit
Highest at CNY 12,269 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (CNY MM)
Operating Profit Margin
Highest at 29.26 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
CASA
Highest at 11.06%
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 Ping An Bank Co., Ltd.
Net Sales
Lowest at CNY 41,933 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (CNY MM)
Net Sales
At CNY 41,933 MM has Fallen at -7.93%
over average net sales of the previous four periods of CNY 45,545.75 MMMOJO Watch
Near term sales trend is negative
Net Sales (CNY MM)
Cash and Eqv
Lowest at CNY 528,317 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Non Operating Income
Highest at CNY 0.01 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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