Postal Savings Bank of China Co., Ltd. () Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

MarketsMojo — Loved in India, Now Global

The power of Mojo is now in 29 countries. Explore global equities with the same cutting-edge features you love.Unlock 29 Markets

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Huishang Bank Corp. Ltd.

The Bank of East Asia Ltd.

China CITIC Bank Corp. Ltd.

BOC Hong Kong (Holdings) Ltd.

Postal Savings Bank of China Co., Ltd.

Shengjing Bank Co., Ltd

Bank of China Ltd.

China Everbright Bank Co. Ltd.

Agricultural Bank of China Ltd.

Industrial & Commercial Bank of China Ltd.

China Zheshang Bank Co., Ltd.

Why is Postal Savings Bank of China Co., Ltd. ?

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.82% signifying inadequate buffers against its risk based assets

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.82% signifying inadequate buffers against its risk based assets
The bank has been able to generate a Return on Assets (avg) of 0.58% signifying low profitability per unit of total assets

With ROA of 0.48%, it has a Very Expensive valuation with a 0.12 Price to Book Value

The stock is trading at a fair value compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 15.89%, its profits have risen by 5.1% ; the PEG ratio of the company is 0.2

Underperformed the market in the last 1 year

The stock has generated a return of 15.89% in the last 1 year, much lower than market (Hang Seng Hong Kong) returns of 27.36%

Real-Time Research Report

Verdict Report

How much should you sell?

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 Major Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Postal Savings Bank of China Co., Ltd. for you?

Low Risk, Low Return

Absolute

Risk Adjusted

Volatility

Postal Savings Bank of China Co., Ltd.

15.89%

0.65

23.01%

Hang Seng Hong Kong

27.36%

1.06

25.88%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

3.22%

EBIT Growth (5y)

12.35%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

32.21%

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.12

EV to EBIT

-5.97

EV to EBITDA

-5.42

EV to Capital Employed

-2.14

EV to Sales

-1.00

PEG Ratio

0.23

Dividend Yield

2.27%

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

10.22%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bearish

Bullish

Dow Theory

Mildly Bearish

OBV

Mildly Bearish

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

Not enough Data to analyse Financial Trend

Here's what is working for Postal Savings Bank of China Co., Ltd.

Cash and Cash Equivalents - Half Yearly

Highest at HKD 1,472,595.73 MM

in the last six half yearly periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents (HKD MM)

CAR - Quarterly

Highest at 14.23 %

in the last five periods

MOJO 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 Postal Savings Bank of China Co., Ltd.

Profit After Tax (PAT) - Quarterly

At HKD 5,775 MM has Fallen at -76.2 %

over average PAT of the previous four periods of HKD 24,238 MM

MOJO Watch

Near term PAT trend is very negative

PAT (HKD MM)

Profit Before Tax less Other Income (PBT) - Quarterly

At HKD -7,608 MM has Fallen at -319.8 %

over average PBT of the previous four periods of HKD 3,462 MM

MOJO Watch

Near term PBT trend is very negative

PBT less Other Income (HKD MM)

Operating Profit (PBDIT) - Quarterly

Lowest at HKD -7,608 MM.

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (HKD MM)

Operating Profit Margin - Quarterly

Lowest at -5.57%

in the last five quarters

MOJO Watch

Company's efficiency has deteriorated

Operating Profit to Sales (HKD MM)

Profit Before Tax less Other Income (PBT) - Quarterly

Lowest at HKD -7,608 MM.

in the last five periods

MOJO Watch

Near term PBT trend is negative

PBT less Other Income (HKD MM)

Profit After Tax (PAT) - Quarterly

Lowest at HKD 5,775 MM.

in the last five periods

MOJO Watch

Near term PAT trend is negative

PAT (HKD MM)

Earnings per Share (EPS) - Quarterly

Lowest at HKD 0.06

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (HKD)

Dividend Payout Ratio (DPR) - Annually

Lowest at 0.00 %

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)