Bank of Xi'an Co.,Ltd.

SSE

600928

Stock

Yield per half year: +10.89%
Dividend yield: 0%
Sector: Financials

Reporting Bank of Xi'an Co.,Ltd.

Capitalization

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ¥										15.2
Выручка, млрд ¥	4.52	4.91	5.96	6.84	7.14	7.2	6.57	6.93	7.87	7.87	7.14	1.97
Чистая прибыль, млрд ¥	2.01	2.13	2.36	2.67	2.76	2.8	2.42	2.46	2.56	2.56	2.60	-1.49
EV, млрд ¥			28.14	79.62	48.52	60.75	52.77	47.68	72.02	72.02	56.35	8.22
Баланс стоимость, млрд ¥	15.9	17.68	19.95	23.62	25.57	27.54	29.19	30.86	33.4	33.4	29.31	5.49
FCF, млрд ¥		12.57	-17.83	1.9	33.44	13.74	52.04	12.28	-11.54	-11.54	19.99	-180.83
Операционный денежный поток, млрд ¥	-0.2024	12.63	-17.75	1.97	33.52	13.8	52.08	12.33	-11.48	-11.48	20.05	-180.71
Операционные расходы, млрд ¥	1.5	1.53	1.73	1.83							1.65	5.10
CAPEX, млрд ¥	0.0778	0.0617	0.0866	0.0676	0.0812	0.0635	0.0402	0.0491	0.0567	0.0567	0.0581	-6.93

	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
Выручка, млрд ¥						1.71	1.81	1.62	1.62	2.17	1.78	1.53	1.81	2.64	1.95	1.94	1.84
Чистая прибыль, млрд ¥						0.6455	0.6577	0.675	0.5726	0.5569	0.6826	0.6542	0.5902	0.6315	0.712	0.6541	0.85
EV, млрд ¥						52.77	60.84	60.94	52.58	47.68	57.51	52.96	49.2	72.02	69.95	60.33	3.99
Баланс стоимость, млрд ¥						29.19	29.96	29.91	30.41	30.86	31.58	32.01	32.64	33.4	33.7	32.67	1.31
FCF, млрд ¥						26.85	-4.14	3.29	12.16	0.9628	-10.87	6.82	-1.85	-5.63	3.01	-1.7040	-177.35
Операционный денежный поток, млрд ¥						26.87	3.3	3.3	12.17	0.9845	-10.85	6.82	-1.83	-5.62	3.01	-1.6940	-177.38
Операционные расходы, млрд ¥	0.3969	0.4668	0.4705	0.4988	0.364											0.4394	-1.72
CAPEX, млрд ¥						0.0129	0.011	0.011	0.0101	0.0218	0.0186	0.0041	0.0184	0.0156	0.000576	0.0115	-50.09

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ¥	42.8	27.56	29.16	28.1	27.84	264.79	28.84	31.94	32.57	32.57	77.20	3.19
Long term investments ¥	67.79	67.35	67.03	15.6	95.96	129.11	149.6	178.61			113.78	62.84
Total Receivables ¥	0.1789	0.1354				0.0628	0.0566				0.1084	-25.00
Total Current Assets ¥	51.65	43.83	34.2	46.12	45.46	55.94	60.67				48.48	12.15
Чистые активы, млрд ¥	0.5479	0.4785	0.4557	0.4097	0.3801	0.728	0.6657				0.5278	7.87
Активы, млрд ¥	217.97	234.12	243.49	278.28	306.39	345.86	405.84	432.2	480.37	480.37	394.13	9.41
Задолженность, млрд ¥	202	216.41	223.5	254.62	280.77	318.26	376.59	401.28	446.9	446.9	364.76	9.74
Чистый долг, млрд ¥		18.83	28.14	45.84	23.81	41.64	37.52	33.11	55.98	55.98	38.41	18.65
Долг, млрд ¥										93.54
Interest income ¥	7.65	8.45	10.25	11.53	13.15	13.91	13.87	15.38			13.57	5.93
Расходы на обслуживание долга ¥			5.15	5.91	6.95	7.92	8.36	10.08	10.24	10.24	8.71	8.06
Чист. проц. доходы, млрд ¥	3.71	4.16	5.1	5.62	6.21	5.99	5.51	5.31		15.38	5.73	-1.13
Товарно материальные запасы ¥	0.1811	0.1528	0.171	0.171	0.1776	0.1756	0.1756				0.1742	0.53

	2019Q4	2020Q1	2020Q2	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
Наличность, млрд ¥												28.84	26.56	29.52	29.11	31.94	30.77	29.38	32.51	32.57	40.76	33.20	5.78
Long term investments ¥							114.42	129.11	0.9567	133.61	145.03	149.6	162.43	166.5	172.63	178.61						165.95	3.61
Total Receivables ¥		2.65								0.0617		0.0566		0.0493								0.7044	-63.07
Total Current Assets ¥				46.6	45.14	47.33	63.22	55.88	52.61	53.36	50.85	60.67		70.29								57.56	5.97
Чистые активы, млрд ¥				0.3801	0.7468	0.7285	0.7258	0.728	0.6854	0.6929	0.6845	0.6657		0.6323								0.6722	-1.60
Активы, млрд ¥												405.84	416.1	423	426.32	432.2	441.06	445.26	449.74	480.37	519.72	467.23	3.34
Задолженность, млрд ¥												376.59	386.08	393.02	395.84	401.28	409.41	413.19	417.04	446.9	485.96	434.50	3.49
Чистый долг, млрд ¥												37.52	45.46	45.34	36.13	33.11	42.09	38.73	35.2	55.98	54.13	45.23	5.16
Interest income ¥							3.5	3.51	3.45	3.36	3.45	3.61	3.77	3.84	3.84	3.93						3.80	1.71
Расходы на обслуживание долга ¥												2.22	2.38	2.48	2.57	2.65	2.55	2.67	2.52	2.5	2.38	2.52	-1.37
Чист. проц. доходы, млрд ¥								1.43	1.41	1.38	1.32	1.39	1.39	1.36	1.27	1.28	3.79					1.82	22.22
Товарно материальные запасы ¥	0.171		0.171	0.1776		0.1763		0.1756		0.1756		0.1756		0.1756								0.1757	-0.08

Share

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	0.5904	0.6019	0.61	0.6333	0.5455	0.554	0.5757		0.5757	0.5837	-1.15
Цена акции ао		7.77	5.56	4.3	3.52	3.33	3.61	3.92	3.92	3.74	-1.83
Число акций ао, млн	4000	4444.44	4444.44	4444.44	4444.44	4444.44	4444.44		4444.44	4444.44	0.00
FCF/акцию	-4.46	0.4282	7.52	3.09	11.71	2.76	-2.6		-2.6	4.50	-180.86

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS					0.1452	0.14	0.1519	0.1288	0.1253	0.1536	0.1472	0.1328	0.1421	0.1602		0.1472	0.84
Цена акции ао	4.34	4.19	3.78	3.5	3.42	3.52	3.72	3.7	3.44						3.92	3.66	2.18
FCF/акцию					6.04	-0.9313	0.7411	2.74	0.2166	-2.45	1.53	-0.4165	-1.27	0.6768		-0.3859	-177.31

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	12.65	12.06	11.84	11.33	10.78	10.18	8.55	8.2	7.96		7.96	9.76	9.13	-5.88
ROA, %	0.9227	0.9102	0.9699	0.9612	0.8997	0.8108	0.6451	0.5876	0.5607		0.5607	1.40	0.7008	-9.02
ROS, %		43.44	39.63	39.11	38.62	38.97	36.92	35.53	32.52	34.17	32.52	32.13	35.62	-2.59
ROCE, %										0	0	0.00
Ebit margin, %										0	0
Рентаб EBITDA, %										0	0	6.21
Чистая рентаб, %	44.52	43.44	39.63	39.11	38.62	38.97	36.92	35.53	32.52		32.52	32.13	36.51	-3.38
Operation Margin, %								0	0	0	0	3.35

	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %	2.21	2.2	2.31	1.93	1.85	2.24	2.11	1.87	1.97	2.18		9.76	2.07	-0.54
ROA, %	0.159	0.1581	0.1609	0.1348	0.1297	0.1563	0.1476	0.1319	0.1358	0.1424		1.40	0.1428	-1.85
ROS, %		36.43	41.7	35.42	25.71	38.37	42.74	32.53	23.95	36.48	34.17	32.13	33.97	-4.38
Чистая рентаб, %	37.83	36.43	41.7	35.42	25.71	38.37	42.74	32.53	23.95	36.48		32.13	34.81	-1.01

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	12.63	8.96	6.81	6.29	5.92	6.27		6.27	18.94	6.85	-6.89
P/BV	1.43	0.9644	0.6924	0.5212	0.4714	0.4793		0.4793	1.00	0.6257	-13.05
P/S	4.94	3.46	2.66	2.32	2.1	2.04		2.04	3.85	2.52	-10.03
P/FCF					0.2921	1.24	1.24	1.24	2.14	0.9240	61.92
E/P					0.1592	0.162	0.162	0.162	0.17	0.1611	0.58
EV/EBIT						0	0	0
EV/S	11.64	6.8	8.44	8.03	6.88	9.16	6.62	9.16	3.23	7.83	-4.74
EV/FCF	41.84	1.45	4.42	1.01	3.88	-6.24	3.88	-6.24	2.25	1.39	-2.57
Debt/EBITDA					0	0	0	0	1.18
Netdebt/Ebitda					0	0	0	0	0.48
Debt/Ratio					0.2305	0.2164	0.2164	0.2164	0.22	0.2211	-2.08
Debt/Equity					0	0	12.98	12.98	8.39	12.98	0.00
Debt/Net Income					38.65	37.99	37.99	37.99	32.58	38.21	-0.57
PEG							348.1	348.1		348.10	0.00
Бета					1.19	1.03	-0.3886	-0.3886	0.17	0.6105	-168.86
Индекс Альтмана					0.0695	0.0669	0.0669	0.0669	0.66	0.0678	-1.26

	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E	6.29	6.21	6.17	6.45	5.92	6.2	5.77	5.64	6.27	6.11		18.94	6.00	-0.29
P/BV	0.5212	0.5123	0.5204	0.5396	0.4714	0.4873	0.4435	0.4281	0.4793	0.4686		1.00	0.4614	-0.78
P/S	2.32	2.25	2.32	2.44	2.02	2.15	2.01	1.92	2.07	1.99		3.85	2.03	-1.53
P/FCF											1.24	2.14	1.24	0.00
E/P											0.162	0.17	0.1620	0.00
EV/S			37.65	32.53	22.01	32.32	34.59	27.12	27.32	35.85	6.62	3.23	26.30	-28.16
EV/FCF			18.5	4.32	49.53	-5.29	7.77	-26.58	-12.78	23.26	3.88	2.25	-0.8900	-12.97
Debt/Ratio											0.2164	0.22	0.2164	0.00
Debt/Equity											12.98	8.39	12.98	0.00
Debt/Net Income											37.99	32.58	37.99	0.00
PEG											348.1		348.10	0.00
Бета										-0.273	-0.3886	0.17	-0.3308	19.31
Индекс Альтмана										0.0669	0.0669	0.66	0.0669	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.5647	0.3442	0.3885	0.8224	1.08	2.92	0.8905	0.377			1.15		1.22	-14.44
Дивиденд				0.16	0.185	0.19	0.19	0.165			0		0.1780	0.62
Див доход, ао, %				1.96	3.23	4	10.33	10.11			0	0.94	5.93	38.84
Дивиденды / прибыль, %	28.08	16.15	16.45	30.74	39.05	104.14	44.3	36.17	14.73		14.73	94.35	47.68	-17.72
Dividend Coverage Ratio										2.14	2.14		2.14	0.00

	2019Q2	2020Q2	2021Q2	2022Q2	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд					0.0713	0.6947	0.6947	0.1199	0.000216	0.0768	0.0871	0.2126	0.000512	0.0763			0.0907	-0.13
Дивиденд	0.16	0.185	0.19	0.19			0.165										0.1780	0.62
Див доход, ао, %	1.71	3.46	3.85	5.02			4.43									0.94	3.69	20.97
Дивиденды / прибыль, %					11.05	105.62	102.92	20.94	0.0388	11.25	13.31	36.03	0.0811	10.71		94.35	14.28	-0.98
Dividend Coverage Ratio															2.14		2.14	0.00

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Other

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	1.14	0.8825	0.6121	0.7088	0.7206	0.7206	-8.77
Персонал, чел				3 419	3 419		0.00

	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	CAGR 5
CAPEX/Выручка, %	1.04	0.2705	1.01	0.5905	0.0295	-50.96

	CAGR 5