ScoreWhy is Shanghai Pudong Development Bank Co., Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.36%
- The bank has been able to generate a Return on Assets (avg) of 0.36% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.79% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of -4.00%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.79% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.36% signifying low profitability per unit of total assets
3
Poor long term growth as Net profit has grown by an annual rate of -4.00%
4
Flat results in Jun 26
- CREDIT DEPOSIT RATIO(HY) Lowest at 109.02%
- OPERATING PROFIT(Q) Lowest at CNY -2,342 MM
- OPERATING PROFIT MARGIN(Q) Lowest at -3.6 %
5
With ROA of 0.36%, it has a expensive valuation with a 0.35 Price to Book Value
- Over the past year, while the stock has generated a return of -29.66%, its profits have risen by 15% ; the PEG ratio of the company is 0.4
- At the current price, the company has a high dividend yield of 4.1
Real-Time Research ReportHow 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 Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Shanghai Pudong Development Bank Co., Ltd. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Shanghai Pudong Development Bank Co., Ltd.
-27.91%
0.35
23.79%
China Shanghai Composite
3.23%
0.23
14.72%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-2.10%
EBIT Growth (5y)
-3.35%
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
27.61%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
0.35
EV to EBIT
58.00
EV to EBITDA
51.53
EV to Capital Employed
0.85
EV to Sales
11.56
PEG Ratio
0.41
Dividend Yield
4.12%
ROCE (Latest)
1.47%
ROE (Latest)
5.71%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
Bearish
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
NII(Q)
Highest at CNY 32,528 MM
CASH AND EQV(HY)
Highest at CNY 873,231 MM
-3What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 109.02%
OPERATING PROFIT(Q)
Lowest at CNY -2,342 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -3.6 %
Here's what is working for Shanghai Pudong Development Bank Co., Ltd.
NII
Highest at CNY 32,528 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 873,231 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Shanghai Pudong Development Bank Co., Ltd.
Operating Profit
Lowest at CNY -2,342 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (CNY MM)
Operating Profit Margin
Lowest at -3.6 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Credit Deposit Ratio
Lowest at 109.02%
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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