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
Negative results in Mar 25
- NET SALES(Q) Lowest at CNY 44,938 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 103.54%
3
With ROA of 0.52%, it has a very attractive valuation with a 0.49 Price to Book Value
- Over the past year, while the stock has generated a return of -2.35%, 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 -2.35% 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.
0.0%
0.35
16.76%
China Shanghai Composite
14.77%
1.01
15.10%
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
0.49
EV to EBIT
26.07
EV to EBITDA
23.72
EV to Capital Employed
0.85
EV to Sales
6.35
PEG Ratio
NA
Dividend Yield
5.28%
ROCE (Latest)
3.28%
ROE (Latest)
9.25%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
OPERATING CASH FLOW(Y)
Highest at CNY 136,303 MM
GROSS NPA (%)
(Q
-10What is not working for the Company
NET SALES(Q)
Lowest at CNY 44,938 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 103.54%
Here's what is working for Ping An Bank Co., Ltd.
Non Performing Loans (%)
Lowest at 0.93%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Cash Flow
Highest at CNY 136,303 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (CNY MM)
Here's what is not working for Ping An Bank Co., Ltd.
Net Sales
Lowest at CNY 44,938 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 44,938 MM has Fallen at -9.39%
over average net sales of the previous four periods of CNY 49,595.25 MMMOJO Watch
Near term sales trend is negative
Net Sales (CNY MM)
Credit Deposit Ratio
Lowest at 103.54%
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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