ScoreWhy is Qilu Bank Co., Ltd ?
1
Negative results in Dec 25
- NET SALES(HY) At CNY 5,565.11 MM has Grown at -47.54%
- DIVIDEND PAYOUT RATIO(Y) Lowest at 0%
- CASH AND EQV(HY) Lowest at CNY 34,988.98 MM
2
Underperformed the market in the last 1 year
- Even though the market (China Shanghai Composite) has generated returns of 22.49% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -4.67% returns
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Qilu 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 Qilu Bank Co., Ltd for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Qilu Bank Co., Ltd
-12.35%
0.69
22.32%
China Shanghai Composite
19.22%
1.58
14.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.77%
EBIT Growth (5y)
15.53%
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
24.92%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
0.61
EV to EBIT
45.59
EV to EBITDA
43.06
EV to Capital Employed
0.93
EV to Sales
11.29
PEG Ratio
0.63
Dividend Yield
NA
ROCE (Latest)
2.03%
ROE (Latest)
11.68%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
OPERATING CASH FLOW(Y)
Highest at CNY 44,499.85 MM
GROSS NPA (%)
(Q
NII(Q)
Highest at CNY 2,794.5 MM
CASH AND EQV(HY)
Highest at CNY 77,035.42 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 82.26%
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Qilu Bank Co., Ltd
Operating Cash Flow
Highest at CNY 44,499.85 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (CNY MM)
Non Performing Loans (%)
Lowest at 0.99%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at CNY 2,794.5 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (CNY MM)
Cash and Eqv
Highest at CNY 77,035.42 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 82.26%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Qilu Bank Co., Ltd
Capital Adequacy Ratio
Lowest at 11.79%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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