ScoreWhy is Shanghai Rural Commercial Bank Co., Ltd. ?
1
With ROA of 0.57%, it has a very attractive valuation with a 0.31 Price to Book Value
- Over the past year, while the stock has generated a return of 17.92%, its profits have risen by 1.2% ; the PEG ratio of the company is 2.7
2
Consistent Returns over the last 3 years
- Along with generating 17.92% returns in the last 1 year, the stock has outperformed China Shanghai Composite in each of the last 3 annual periods
Real-Time Research ReportHow much should you buy?
- 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, High Return
Absolute
Risk Adjusted
Volatility
Shanghai Rural Commercial Bank Co., Ltd.
18.22%
1.31
24.18%
China Shanghai Composite
15.19%
1.01
14.58%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
22.34%
EBIT Growth (5y)
14.16%
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
33.91%
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
0.31
EV to EBIT
17.40
EV to EBITDA
16.13
EV to Capital Employed
0.73
EV to Sales
5.57
PEG Ratio
2.72
Dividend Yield
NA
ROCE (Latest)
4.22%
ROE (Latest)
9.72%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
OPERATING PROFIT MARGIN(Q)
Highest at 34.59 %
NET PROFIT(Q)
Highest at CNY 3,564.17 MM
EPS(Q)
Highest at CNY 0.37
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at CNY 13,526.5 MM
NII(Q)
Lowest at CNY 4,766.02 MM
NET SALES(Q)
Lowest at CNY 10,486.5 MM
Here's what is working for Shanghai Rural Commercial Bank Co., Ltd.
Operating Profit Margin
Highest at 34.59 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Net Profit
Highest at CNY 3,564.17 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)
Here's what is not working for Shanghai Rural Commercial Bank Co., Ltd.
Operating Cash Flow
Lowest at CNY 13,526.5 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (CNY MM)
NII
Lowest at CNY 4,766.02 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (CNY MM)
Net Sales
Lowest at CNY 10,486.5 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (CNY MM)
Capital Adequacy Ratio
Lowest at 14.39%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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