Qilu Bank Co., Ltd.

SSE

601665

Stock

Yield per half year: +13.06%
Dividend yield: 53.22%
Sector: Financials

Reporting Qilu Bank Co., Ltd.

Capitalization

IFRS

Reporting Annual Quarterly

	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ¥										26.99	22.09	21.86		17.77	23.65	-6.79
Выручка, млрд ¥					5.05	5.33	6.13	7.19	7.85	9.66	10.94	11.81	12.35	12.35	10.52	9.49
Чистая прибыль, млрд ¥					1.64	2.01	2.15	2.34	2.52	3.04	3.59	4.23	4.99	4.99	3.67	14.64
EV, млрд ¥							-0.5241	6.05	2.17	28.28	25.28	40.46	74.51	74.51	34.14	102.84
EBIT, млрд ¥	2.81	3.09	3.82	4.43			8.13	8.59	9.79	11.7	13.23			13.23	10.29	10.23
EBITDA, млрд ¥				4.54	5.21	7.01	8.24	8.72	9.94	11.98	13.56	13.56		13.56	11.55	9.23
OIBDA, млрд ¥									17.21	20.64	23.2				20.35	10.47
Баланс стоимость, млрд ¥					12.78	18.27	20.7	22.46	27.08	32.36	35.3	41.55	48.11	48.11	36.88	12.18
FCF, млрд ¥					15.87	5.08	7.82	9.59	17.59	28.3	27.62	28.7	18.47	18.47	24.14	0.98
Операционный денежный поток, млрд ¥					16.13	5.35	8.01	9.87	17.94	28.53	27.82	28.97	18.71	18.71	24.39	0.84
Операционная прибыль, млрд ¥								8.59	9.79	11.7	13.23	13.56		13.23	11.37	9.56
Операционные расходы, млрд ¥				1.79	1.73	1.75	2.08	2.28	2.35	2.78	3.04	3.08		3.04	2.71	6.20
CAPEX, млрд ¥					0.2566	0.2694	0.1945	0.2773	0.3561	0.2273	0.1932	0.2781	0.2453	0.2453	0.2600	-7.18

	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
Капитализация, млрд ¥						23.42				19.07				21.19						21.23	-3.28
Выручка, млрд ¥										2.62	2.84	3.15	2.99	2.83	3	3.33	3.05	2.97	3.11	3.09	0.72
Чистая прибыль, млрд ¥										1.06	1.02	0.9914	0.9305	1.3	1.18	1.17	1.09	1.54	1.37	1.27	3.03
EV, млрд ¥										23.33	25.71	19.87	25.07	40.46	56.58	57.64	64.66	74.51	86.33	67.94	8.82
EBIT, млрд ¥			2.79	2.85																2.82	1.07
EBITDA, млрд ¥	2.33	2.62	2.86	2.92	2.74		3.28	3.15	3.23	3.58	3.6									3.37	1.88
Баланс стоимость, млрд ¥										35.3	36.3	36.89	37.46	41.55	43.56	43.98	45.15	48.11	48.07	45.77	1.99
FCF, млрд ¥										7.75	11.36	8.58	3.05	5.71	-1.53	8.67	9.11	2.21	8.22	5.34	-239.97
Операционный денежный поток, млрд ¥										7.82	11.4	8.67	3.1	5.8	-1.5	8.74	9.16	2.31	8.24	5.39	-240.59
Операционная прибыль, млрд ¥							3.28	3.15	3.23	3.58	3.6									3.37	1.88
Операционные расходы, млрд ¥	0.5461	0.6758	0.6505	0.643	0.721		0.7537	0.6656	0.8106	0.8107	0.7891									0.7659	0.92
CAPEX, млрд ¥										0.0757	0.0459	0.0974	0.0503	0.0845	0.035	0.0697	0.0433	0.0972	0.0188	0.0528	-11.69

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ¥								30.72	30.41	30.47	33.26	37.79	40.33	42.08	46.47	44.39	44.39	42.21	3.27
Long term investments ¥											127.76	147.3	173.91	205.22	250.86			181.01	14.45
Total Receivables ¥	0.2006	2.5	2.14	1.22	2.63	4.69	12.46	16.96	22.7	25.38								16.44	40.17
Total Current Assets ¥											33.26	37.79	40.33	42.08	38.09		42.08	38.31	2.75
Чистые активы, млрд ¥											33.26	37.79	40.33	42.08	38.09		42.08	38.31	2.75
Активы, млрд ¥								207.17	236.3	265.74	307.52	360.23	433.41	506.01	604.82	689.54	689.54	518.80	13.87
Задолженность, млрд ¥								194.29	217.86	244.86	284.86	332.93	400.81	470.42	562.99	641.2	641.2	481.67	14.01
Чистый долг, млрд ¥								-11.49	-6.65	-0.5241	6.05	2.17	1.81	4.46	22.57	47.48	47.48	15.70	85.36
Долг, млрд ¥										29.94	39.31	39.96	42.14	46.54	41.78		46.54	41.95	1.23
Interest income ¥											11.77	13.35	15.88	17.98	19.61			15.72	10.75
Расходы на обслуживание долга ¥								3.25	4.66	5.58	5.89	6.93	8.4	9.41	10.73	11.94	11.94	9.48	11.49
Чист. проц. доходы, млрд ¥											5.88	6.41	7.49	8.57	8.88		19.61	7.45	8.59
Амортизация, млрд ¥			0.1158	0.0956	0.0942	0.0906	0.1047			0.1176	0.1242	0.1508	0.2778	0.3255				0.1992	22.58

	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2021Q1	2021Q2	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
Наличность, млрд ¥																42.08	38.09	41.4	39.48	46.47	37.25	43.19	39.46	44.39	40.46	40.95	1.67
Long term investments ¥													184.6	192.16	198.15	205.22	211.93	222.17	232.79	250.86						224.59	4.10
Total Receivables ¥	19.88	16.96	20.15	21.83	22.81	22.7	28.26	28.87	28.09	25.38																26.66	2.26
Total Current Assets ¥													34.33	38.02	34.85	42.08	38.09									37.47	2.10
Чистые активы, млрд ¥													34.33	38.02	34.85	42.08	38.09									37.47	2.10
Активы, млрд ¥																506.01	529.02	550.36	568.49	604.82	624.85	647.54	668.13	689.54	716.4	669.29	2.77
Задолженность, млрд ¥																470.42	492.43	513.17	530.72	562.99	581.02	603.3	622.73	641.2	668.13	623.28	2.83
Чистый долг, млрд ¥																4.46	3.69	1.87	5.64	22.57	35.74	34.53	42.47	47.48	56.79	43.40	9.70
Долг, млрд ¥													42.54	40.24	42.25	46.54	41.78									42.67	-0.36
Interest income ¥													4.22	4.41	4.6	4.76	4.72	4.91	4.98	5						4.87	0.99
Расходы на обслуживание долга ¥																2.43	2.52	2.61	2.72	2.89	2.96	3	2.98	3	2.85	2.96	-0.75
Чист. проц. доходы, млрд ¥													1.96	2.08	2.21	2.33	2.2	2.29	2.26	2.12	5.18					2.81	18.68
Амортизация, млрд ¥											0.0708	0.0712														0.0710	0.28

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS			0.5	0.54	0.59	0.5327	0.71	0.8992	1.03		1.03	0.7524	11.79
Цена акции ао						5.58	4.17	3.91	5.59	6.51	6.51	5.15	3.13
Число акций ао, млн	2906.52	3983.65	5117.2	5407.38	5329.21	4182.98	5052.63	4708.14	4835		4835	4821.59	-1.93
FCF/акцию	5.46	1.27	1.53	1.77	3.3	6.77	5.47	6.09	3.82		3.82	5.09	2.97

	2010Q4	2015Q4	2016Q4	2017Q4	2018Q4	2019Q4	2020Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS												0.2314	0.2217	0.2164	0.2031	0.2754	0.2436	0.2419	0.2265	0.3193	0.2837		0.2630	3.09
Цена акции ао								5.6	5.48	5.33	4.38	4.16	4.23	4.11	4.06	3.97						6.51	4.58	9.01
Число акций ао, млн	4580.83	2924.44	2906.52	3983.65	5117.2	5407.38	5329.21	4182.98				4580.83				5344.03							4968.89	-0.24
FCF/акцию												1.69	2.12	1.87	0.6656	1.21	-0.3172	1.79	1.88	0.4576	1.7		1.10	-239.90

Efficiency

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %				12.85	11.03	10.4	10.41	9.3	9.38	10.6	11.02	11.12		11.12	9.69	10.28	3.64
ROA, %				0.7926	0.8527	0.81	0.7602	0.6992	0.7004	0.7637	0.7623	0.7705		0.7705	1.39	0.7392	1.96
ROIC, %							5.83	6.29	6.51	6.43						6.27	2.48
ROS, %					37.77	35.13	32.49	32.09	31.43	32.78	35.86	40.39	40.39	40.39	31.89	36.17	5.14
ROCE, %	51.49	52.93	44.12			38.92	37.92	35.86	35.88	2.61			27.37	27.37	0.00	27.93	-6.31
Ebit margin, %							119.41	124.72	121.13	120.89			107.17	107.17	0.00	118.66	-2.14
Рентаб EBITDA, %				103.3	131.49	134.55	121.14	126.64	124	123.86	121.34		109.84	109.84	6.31	121.14	-2.81
Чистая рентаб, %				32.54	37.77	35.13	32.49	32.09	31.43	32.78	35.86	40.39		40.39	31.89	34.51	4.71
Operation Margin, %							119.41	124.72	121.13	120.89	120.93	112.05	107.17	107.17	3.40	116.43	-2.42
Доходность FCF, %									104.87	125.05	131.24					120.39	7.76

	2021Q1	2021Q2	2021Q3	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Industry average	5 quarters average	CAGR 5
ROE, %							3	2.8	2.83	2.58	3.48	3.02	2.87	2.57	3.48	3			9.69	2.99	-0.13
ROA, %							0.2095	0.1919	0.1837	0.1663	0.221	0.1915	0.1839	0.1664	0.2274	0.1951			1.39	0.1929	0.37
ROS, %									31.48	31.14	45.86	39.27	35.11	35.95	52	44.06	40.39	40.39	31.89	42.56	2.36
ROCE, %	9.12	8.41															27.37	27.37	0.00	18.07	31.62
Ebit margin, %																	107.17	107.17	0.00	107.17	0.00
Рентаб EBITDA, %	128.93	124.4	107.73	125.35	111.84	111.45	136.56	126.79									109.84	109.84	6.31	118.90	-0.29
Чистая рентаб, %							40.43	35.72	31.48	31.14	45.86	39.27	35.11	35.95	52	44.06			31.89	41.28	2.33
Operation Margin, %				125.35	111.84	111.45	136.56	126.79									107.17	107.17	3.40	117.83	-0.78
Доходность FCF, %							40.62				26.96									33.79	-18.53

Coefficients

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E					8.89	5.8	4.23	5.42		5.42	19.57	6.09	-11.64
P/BV					0.8341	0.5849	0.4278	0.5592		0.5592	1.03	0.6015	-9.51
P/S					2.79	1.9	1.52	2.19		2.19	4.01	2.10	-5.87
P/FCF					0.9535	0.7997	0.7619	0.6193	0.9623	0.9623	15.02	0.8193	0.18
E/P					0.1125	0.1624	0.1936	0.2383	0.2806	0.2806	0.17	0.1975	20.06
EV/EBIT			0.7039	0.2219	2.42	1.91		3.06	5.63	5.63	0.00	2.65	90.93
EV/EBITDA		-0.0636	0.6938	0.2185	2.36	1.86	1.82			1.86	39.00	1.39	21.27
EV/S			0.8405	0.2767	2.93	2.31	3.43	6.04	6.04	6.04	3.48	4.15	15.57
EV/FCF			0.6303	0.1235	0.9991	0.915	1.41	4.03	4.03	4.03	5.89	2.28	32.17
Debt/EBITDA		3.63	4.51	4.02	3.52	3.43	3.43	3.43	3.43	3.43	1.19	3.45	-0.52
Netdebt/Ebitda	-0.9477	-0.0636	0.6938	0.2185	0.1513	0.3289	0.3289	1.66	3.5	3.5	0.52	1.19	87.43
Debt/Ratio			0.1278	0.1109	0.0972	0.092	0.092	0.0769	0.0675	0.0675	0.21	0.0851	-7.03
Debt/Equity			1.75	1.48	1.3	1.32	1.11	1.11	13.27	13.27	8.42	3.62	59.14
Debt/Net Income			16.82	15.86	13.88	12.97	12.96	10.99	9.33	9.33	32.31	12.03	-7.64
PEG									31.92	31.92	-384.77	31.92	0.00
Бета							0.39	1.03	0.7466	0.7466	0.88	0.7222	24.17
Индекс Альтмана							5.79	1.23	0.6383	0.6383	0.65	2.55	-52.05

	2021Q1	2021Q2	2021Q3	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Industry average	5 quarters average	CAGR 5
P/E							17.99	5.67	5	5.04	4.29	4.59	4.96	4.65	5.42	5.7			19.57	5.06	4.43
P/BV							0.5403	0.6017	0.484	0.5142	0.4278	0.4755	0.5223	0.4888	0.5592	0.6121			1.03	0.5316	5.18
P/S							7.27	1.89	1.68	1.73	1.54	1.68	1.87	1.81	2.19	2.37			4.01	1.98	7.12
P/FCF							2.46				3.71						0.9623	0.9623	15.02	2.02	-20.92
E/P							0.0556				0.0612						0.2806	0.2806	0.17	0.1695	49.88
EV/EBIT																	5.63	5.63	0.00	5.63	0.00
EV/EBITDA				3.28	2.34	2.39	1.76	1.9											39.00	2.33	-10.34
EV/S									6.31	8.39	14.31	18.87	17.3	21.23	25.09	27.73	6.04	6.04	3.48	17.23	-22.23
EV/FCF									2.32	8.22	7.08	-36.9	6.65	7.1	33.67	10.5	4.03	4.03	5.89	11.87	-10.71
Debt/EBITDA				12.98	12.79	13.09	13	11.59									3.43	3.43	1.19	8.91	-23.50
Netdebt/Ebitda	3.93	2.92	3.27	2.51	0.7067	2.29	1.25	1.02									3.5	3.5	0.52	2.31	8.85
Debt/Ratio																	0.0675	0.0675	0.21	0.0675	0.00
Debt/Equity																	13.27	13.27	8.42	13.27	0.00
Debt/Net Income																	9.33	9.33	32.31	9.33	0.00
PEG																	31.92	31.92	-384.77	31.92	0.00
Бета																0.5798	0.946	0.7466	0.88	0.7575	8.79
Индекс Альтмана																1.23	0.6383	0.6383	0.65	0.8355	-19.64

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.3954	1.1	1.36	2.2	1.78	1.27	1.7	1.67	2.02			1.82		1.69	2.56
Дивиденд							0.18	0.184	1.34	2.49	0.998	3.49		1.04	40.85
Див доход, ао, %							2.79	8.13	69	43.11	53.03	53.22	0.94	35.21	80.21
Дивиденды / прибыль, %		66.86	67.64	102.07	76.33	50.23	55.89	50.53	39.47	40.43		40.43	97.99	47.31	-4.25
Dividend Coverage Ratio											2.74	2.74		2.74	0.00

	2021Q3	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд			0.2632	0.1726	0.0882	1.15	0.2619	0.1201	0.1537	1.55	0.1926	0.7303				0.5493	43.48
Дивиденд	0.18	0.184				0.186										0.1833	1.10
Див доход, ао, %	2.66	4.2				4.59									0.94	3.82	19.94
Дивиденды / прибыль, %			24.83	17	8.9	123.39	20.2	10.2	13.14	141.53	12.47	53.25			97.99	46.12	39.17
Dividend Coverage Ratio													2.74	2.74		2.74	0.00

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	4.54	2.35	1.77	2.36	1.99	1.99	-15.21
Персонал, чел				4 728			0.00

	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	CAGR 5
CAPEX/Выручка, %	1.17	2.09	1.42	3.27	0.604	-12.39

	CAGR 5