ScoreWhy is Shanghai Rural Commercial Bank Co., Ltd. ?
1
With ROA of 0.57%, it has a very attractive valuation with a 0.63 Price to Book Value
- Over the past year, while the stock has generated a return of 5.89%, its profits have risen by 1.2% ; the PEG ratio of the company is 5.4
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Shanghai Rural Commercial 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 Shanghai Rural Commercial Bank Co., Ltd. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Shanghai Rural Commercial Bank Co., Ltd.
-20.06%
0.77
23.50%
China Shanghai Composite
19.22%
1.58
14.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.84%
EBIT Growth (5y)
13.14%
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
34.07%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
3
Industry P/E
Price to Book Value
0.30
EV to EBIT
18.91
EV to EBITDA
17.85
EV to Capital Employed
0.74
EV to Sales
6.51
PEG Ratio
3.25
Dividend Yield
NA
ROCE (Latest)
3.92%
ROE (Latest)
9.37%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
OPERATING CASH FLOW(Y)
Highest at CNY 44,461.29 MM
NII(Q)
Highest at CNY 4,874.65 MM
CASH AND EQV(HY)
Highest at CNY 143,304.99 MM
OPERATING PROFIT(Q)
Highest at CNY 3,639.62 MM
OPERATING PROFIT MARGIN(Q)
Highest at 37.7 %
PRE-TAX PROFIT(Q)
Highest at CNY 4,454.83 MM
NET PROFIT(Q)
Highest at CNY 3,590.02 MM
EPS(Q)
Highest at CNY 0.37
-3What is not working for the Company
NET SALES(Q)
Lowest at CNY 9,655.08 MM
Here's what is working for Shanghai Rural Commercial Bank Co., Ltd.
NII
Highest at CNY 4,874.65 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (CNY MM)
Operating Cash Flow
Highest at CNY 44,461.29 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (CNY MM)
Operating Profit
Highest at CNY 3,639.62 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (CNY MM)
Operating Profit Margin
Highest at 37.7 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at CNY 4,454.83 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (CNY MM)
Net Profit
Highest at CNY 3,590.02 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (CNY MM)
EPS
Highest at CNY 0.37
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (CNY)
Cash and Eqv
Highest at CNY 143,304.99 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 Rural Commercial Bank Co., Ltd.
Net Sales
Lowest at CNY 9,655.08 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (CNY MM)
Capital Adequacy Ratio
Lowest at 14.21%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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