Company Analysis Chongqing Rural Commercial Bank Co., Ltd.
1. Summary
Advantages
- Dividends (7.85%) are higher than the sector average (7.51%).
- The stock's return over the last year (54.06%) is higher than the sector average (37.37%).
- The company's current efficiency (ROE=9.24%) is higher than the sector average (ROE=7.98%)
Disadvantages
- Price (4.93 HK$) is higher than fair price (4.03 HK$)
- Current debt level 23.8% has increased over 5 years from 1.85%.
Similar companies
2. Share price and performance
2.1. Share price
2.2. News
2.3. Market efficiency
| Chongqing Rural Commercial Bank Co., Ltd. | Financials | Index | |
|---|---|---|---|
| 7 days | 1.6% | -0.6% | 5.6% |
| 90 days | 13.9% | 9.9% | 18.7% |
| 1 year | 54.1% | 37.4% | 47.4% |
3618 vs Sector: Chongqing Rural Commercial Bank Co., Ltd. has outperformed the "Financials" sector by 16.7% over the past year.
3618 vs Market: Chongqing Rural Commercial Bank Co., Ltd. has outperformed the market by 6.65% over the past year.
Stable price: 3618 is not significantly more volatile than the rest of the market on "Hong Kong Exchanges" over the last 3 months, with typical variations of +/- 5% per week.
Long period: 3618 with weekly volatility of 1.04% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Above fair price: The current price (4.93 HK$) is higher than the fair price (4.03 HK$).
Price is higher than fair: The current price (4.93 HK$) is 18.3% higher than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (2.83) is lower than that of the sector as a whole (15.14).
P/E vs Market: The company's P/E (2.83) is lower than that of the market as a whole (26.64).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (0.2486) is lower than that of the sector as a whole (0.6068).
P/BV vs Market: The company's P/BV (0.2486) is higher than that of the market as a whole (-11.94).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (1.15) is lower than that of the sector as a whole (2.21).
P/S vs Market: The company's P/S indicator (1.15) is lower than that of the market as a whole (2.71).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (0) is lower than that of the sector as a whole (33.89).
EV/Ebitda vs Market: The company's EV/Ebitda (0) is lower than that of the market as a whole (9.94).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Rising and has grown by 5.95% over the last 5 years.
Earnings Slowdown: The last year's return (0%) is below the 5-year average return (5.95%).
Profitability vs Sector: The return for the last year (0%) is lower than the return for the sector (0%).
5.4. ROE
ROE vs Sector: The company's ROE (9.24%) is higher than that of the sector as a whole (7.98%).
ROE vs Market: The company's ROE (9.24%) is higher than that of the market as a whole (6.07%).
5.5. ROA
ROA vs Sector: The company's ROA (0.7805%) is lower than that of the sector as a whole (1.14%).
ROA vs Market: The company's ROA (0.7805%) is lower than that of the market as a whole (3.24%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (0%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (0%).
7. Dividends
7.1. Dividend yield vs Market
High yield: The dividend yield of the company 7.85% is higher than the average for the sector '7.51%.
7.2. Stability and increase in payments
Dividend stability: The company's dividend yield 7.85% has been steadily paid over the past 7 years, DSI=1.
Weak dividend growth: The company's dividend yield 7.85% has been growing weakly or stagnant over the past 5 years. Growth over only 4 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (30.45%) are at a comfortable level.
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