Dah Sing Financial Holdings Limited Logo

Dah Sing Financial Holdings Limited

0440.HK

(3.2)
Stock Price

23,10 HKD

0.61% ROA

4.2% ROE

3.17x PER

Market Cap.

5.017.327.500,00 HKD

14.7% DER

7.45% Yield

9.88% NPM

Dah Sing Financial Holdings Limited Stock Analysis

Dah Sing Financial Holdings Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Dah Sing Financial Holdings Limited Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.18x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a low debt to equity ratio (15%), which means it has a small amount of debt compared to the ownership it holds

3 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

4 ROE

ROE in an average range (5.3%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (0.61%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Revenue Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

7 Net Profit Growth

The net profit of this company has shown steady growth over the past three years, highlighting its positive financial trajectory and making it an appealing choice for potential investors.

8 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

9 Dividend Growth

The company's dividend growth has exhibited a remarkable upward trend over the past three years, consistently delivering higher payouts to shareholders.

10 Buffet Intrinsic Value

The company's stock seems undervalued (73) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

11 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

Dah Sing Financial Holdings Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Dah Sing Financial Holdings Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Dah Sing Financial Holdings Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Dah Sing Financial Holdings Limited Revenue
Year Revenue Growth
2000 1.532.122.000
2001 1.667.715.000 8.13%
2002 1.766.288.000 5.58%
2003 1.615.784.000 -9.31%
2004 1.577.994.000 -2.39%
2005 1.333.382.000 -18.35%
2006 1.898.909.000 29.78%
2007 5.730.618.000 66.86%
2008 3.170.447.000 -80.75%
2009 4.374.029.000 27.52%
2010 4.682.619.000 6.59%
2011 5.047.051.000 7.22%
2012 5.498.572.000 8.21%
2013 5.490.534.000 -0.15%
2014 7.171.306.000 23.44%
2015 6.802.433.000 -5.42%
2016 6.775.125.000 -0.4%
2017 7.815.844.000 13.32%
2018 9.010.802.000 13.26%
2019 5.849.763.000 -54.04%
2019 9.609.862.000 39.13%
2020 8.654.208.000 -11.04%
2021 7.463.260.000 -15.96%
2022 10.086.839.000 26.01%
2023 13.974.293.000 27.82%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Dah Sing Financial Holdings Limited Research and Development Expenses
Year Research and Development Expenses Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Dah Sing Financial Holdings Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 93.011.000 100%
2008 0 0%
2009 95.714.000 100%
2010 0 0%
2011 173.002.000 100%
2012 56.709.000 -205.07%
2013 60.135.000 5.7%
2014 61.413.000 2.08%
2015 64.161.000 4.28%
2016 54.967.000 -16.73%
2017 60.272.000 8.8%
2018 61.875.000 2.59%
2019 62.891.000 1.62%
2019 62.891.000 0%
2020 64.184.000 2.01%
2021 59.648.000 -7.6%
2022 56.074.000 -6.37%
2023 17.984.000 -211.8%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Dah Sing Financial Holdings Limited EBITDA
Year EBITDA Growth
2000 3.072.931.000
2001 2.477.716.000 -24.02%
2002 1.618.479.000 -53.09%
2003 1.673.608.000 3.29%
2004 1.827.242.000 8.41%
2005 2.918.063.000 37.38%
2006 4.648.387.000 37.22%
2007 5.064.400.000 8.21%
2008 2.686.267.000 -88.53%
2009 1.687.931.000 -59.15%
2010 2.447.436.000 31.03%
2011 2.737.263.000 10.59%
2012 3.274.429.000 16.4%
2013 223.088.000 -1367.77%
2014 192.849.000 -15.68%
2015 115.975.000 -66.28%
2016 76.708.000 -51.19%
2017 104.263.000 26.43%
2018 121.207.000 13.98%
2019 5.818.609.000 97.92%
2019 82.530.000 -6950.3%
2020 185.491.000 55.51%
2021 294.024.000 36.91%
2022 218.154.000 -34.78%
2023 166.223.000 -31.24%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Dah Sing Financial Holdings Limited Gross Profit
Year Gross Profit Growth
2000 1.532.122.000
2001 1.667.715.000 8.13%
2002 1.766.288.000 5.58%
2003 1.615.784.000 -9.31%
2004 1.577.994.000 -2.39%
2005 1.333.382.000 -18.35%
2006 1.898.909.000 29.78%
2007 5.730.618.000 66.86%
2008 3.170.447.000 -80.75%
2009 4.374.029.000 27.52%
2010 4.682.619.000 6.59%
2011 5.047.051.000 7.22%
2012 5.498.572.000 8.21%
2013 5.490.534.000 -0.15%
2014 7.171.306.000 23.44%
2015 6.802.433.000 -5.42%
2016 6.775.125.000 -0.4%
2017 7.815.844.000 13.32%
2018 9.010.802.000 13.26%
2019 5.849.763.000 -54.04%
2019 9.609.862.000 39.13%
2020 8.654.208.000 -11.04%
2021 7.463.260.000 -15.96%
2022 10.086.839.000 26.01%
2023 13.914.412.000 27.51%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Dah Sing Financial Holdings Limited Net Profit
Year Net Profit Growth
2000 759.787.000
2001 884.431.000 14.09%
2002 783.975.000 -12.81%
2003 867.824.000 9.66%
2004 1.094.004.000 20.67%
2005 978.834.000 -11.77%
2006 1.201.271.000 18.52%
2007 1.050.200.000 -14.38%
2008 153.617.000 -583.65%
2009 626.049.000 75.46%
2010 1.285.030.000 51.28%
2011 1.009.651.000 -27.27%
2012 1.236.404.000 18.34%
2013 1.498.459.000 17.49%
2014 1.726.887.000 13.23%
2015 1.947.467.000 11.33%
2016 1.891.817.000 -2.94%
2017 1.840.005.000 -2.82%
2018 1.915.181.000 3.93%
2019 2.283.491.000 16.13%
2019 1.707.809.000 -33.71%
2020 1.158.152.000 -47.46%
2021 1.308.404.000 11.48%
2022 1.224.378.000 -6.86%
2023 1.592.095.000 23.1%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Dah Sing Financial Holdings Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2000 1
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 100%
2005 1 0%
2006 5 100%
2007 4 -66.67%
2008 0 0%
2009 2 100%
2010 4 33.33%
2011 3 0%
2012 4 25%
2013 5 0%
2014 5 20%
2015 6 0%
2016 6 0%
2017 5 0%
2018 6 0%
2019 7 28.57%
2019 5 -40%
2020 4 -66.67%
2021 4 25%
2022 4 -33.33%
2023 5 25%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Dah Sing Financial Holdings Limited Free Cashflow
Year Free Cashflow Growth
2001 -622.404.000
2002 -3.607.985.000 82.75%
2003 2.535.042.000 242.32%
2004 2.763.465.000 8.27%
2005 -1.227.471.000 325.13%
2006 -2.217.135.000 44.64%
2007 3.847.102.000 157.63%
2008 3.067.031.000 -25.43%
2009 3.948.896.000 22.33%
2010 -7.901.182.000 149.98%
2011 5.495.632.000 243.77%
2012 -414.288.000 1426.52%
2013 -4.871.816.000 91.5%
2014 5.336.971.000 191.28%
2015 1.906.399.000 -179.95%
2016 1.805.513.000 -5.59%
2017 734.658.000 -145.76%
2018 -5.045.596.000 114.56%
2019 2.834.108.750 278.03%
2020 -3.568.693.000 179.42%
2021 -2.504.453.000 -42.49%
2022 5.683.163.000 144.07%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Dah Sing Financial Holdings Limited Operating Cashflow
Year Operating Cashflow Growth
2001 -580.835.000
2002 -3.574.772.000 83.75%
2003 2.585.845.000 238.24%
2004 2.788.960.000 7.28%
2005 -1.200.633.000 332.29%
2006 -2.217.135.000 45.85%
2007 3.954.557.000 156.07%
2008 3.160.003.000 -25.14%
2009 4.129.740.000 23.48%
2010 -7.523.520.000 154.89%
2011 5.852.947.000 228.54%
2012 -195.513.000 3093.64%
2013 -4.627.176.000 95.77%
2014 5.495.844.000 184.19%
2015 2.412.661.000 -127.79%
2016 2.073.430.000 -16.36%
2017 867.683.000 -138.96%
2018 -4.869.362.000 117.82%
2019 2.860.521.500 270.23%
2020 -3.428.820.000 183.43%
2021 -2.504.453.000 -36.91%
2022 5.683.163.000 144.07%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Dah Sing Financial Holdings Limited Capital Expenditure
Year Capital Expenditure Growth
2001 41.569.000
2002 33.213.000 -25.16%
2003 50.803.000 34.62%
2004 25.495.000 -99.27%
2005 26.838.000 5%
2006 0 0%
2007 107.455.000 100%
2008 92.972.000 -15.58%
2009 180.844.000 48.59%
2010 377.662.000 52.11%
2011 357.315.000 -5.69%
2012 218.775.000 -63.33%
2013 244.640.000 10.57%
2014 158.873.000 -53.98%
2015 506.262.000 68.62%
2016 267.917.000 -88.96%
2017 133.025.000 -101.4%
2018 176.234.000 24.52%
2019 26.412.750 -567.23%
2020 139.873.000 81.12%
2021 0 0%
2022 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Dah Sing Financial Holdings Limited Equity
Year Equity Growth
2000 3.828.900.000
2001 4.518.459.000 15.26%
2002 4.982.073.000 9.31%
2003 5.273.087.000 5.52%
2004 5.955.833.000 11.46%
2005 8.648.614.000 31.14%
2006 9.316.241.000 7.17%
2007 10.469.303.000 11.01%
2008 11.937.452.000 12.3%
2009 11.395.577.000 -4.76%
2010 14.156.385.000 19.5%
2011 15.270.216.000 7.29%
2012 17.791.799.000 14.17%
2013 16.701.395.000 -6.53%
2014 19.045.447.000 12.31%
2015 20.445.086.000 6.85%
2016 21.816.782.000 6.29%
2017 25.062.082.000 12.95%
2018 31.992.448.000 21.66%
2019 33.804.541.000 5.36%
2020 35.690.969.000 5.29%
2021 37.826.347.000 5.65%
2022 37.154.548.000 -1.81%
2023 38.299.859.000 2.99%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Dah Sing Financial Holdings Limited Assets
Year Assets Growth
2000 48.138.063.000
2001 51.931.393.000 7.3%
2002 57.805.750.000 10.16%
2003 60.892.143.000 5.07%
2004 69.677.305.000 12.61%
2005 89.516.840.000 22.16%
2006 102.036.561.000 12.27%
2007 124.208.548.000 17.85%
2008 120.180.176.000 -3.35%
2009 122.576.155.000 1.95%
2010 142.741.514.000 14.13%
2011 159.153.311.000 10.31%
2012 172.980.933.000 7.99%
2013 181.329.697.000 4.6%
2014 201.407.842.000 9.97%
2015 212.792.277.000 5.35%
2016 223.243.010.000 4.68%
2017 225.537.674.000 1.02%
2018 237.301.478.000 4.96%
2019 250.311.979.000 5.2%
2020 254.961.101.000 1.82%
2021 256.530.989.000 0.61%
2022 259.846.686.000 1.28%
2023 258.804.981.000 -0.4%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Dah Sing Financial Holdings Limited Liabilities
Year Liabilities Growth
2000 44.309.163.000
2001 47.412.934.000 6.55%
2002 52.823.677.000 10.24%
2003 55.619.056.000 5.03%
2004 63.721.472.000 12.72%
2005 80.843.534.000 21.18%
2006 92.701.320.000 12.79%
2007 111.427.275.000 16.81%
2008 108.242.724.000 -2.94%
2009 108.397.380.000 0.14%
2010 125.088.358.000 13.34%
2011 140.021.636.000 10.66%
2012 150.644.384.000 7.05%
2013 160.295.571.000 6.02%
2014 177.290.462.000 9.59%
2015 186.883.345.000 5.13%
2016 195.555.442.000 4.43%
2017 194.101.271.000 -0.75%
2018 205.309.030.000 5.46%
2019 216.507.438.000 5.17%
2020 4.517.908.000 -4692.21%
2021 4.748.781.000 4.86%
2022 4.340.515.000 -9.41%
2023 4.304.882.000 -0.83%

Dah Sing Financial Holdings Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
22.69
Net Income per Share
4.96
Price to Earning Ratio
3.17x
Price To Sales Ratio
0.69x
POCF Ratio
0.88
PFCF Ratio
0.88
Price to Book Ratio
0.17
EV to Sales
-2.69
EV Over EBITDA
-4.31
EV to Operating CashFlow
-3.43
EV to FreeCashFlow
-3.43
Earnings Yield
0.32
FreeCashFlow Yield
1.13
Market Cap
5,02 Bil.
Enterprise Value
-19,48 Bil.
Graham Number
101.49
Graham NetNet
95.71

Income Statement Metrics

Net Income per Share
4.96
Income Quality
1.88
ROE
0.05
Return On Assets
0
Return On Capital Employed
0.01
Net Income per EBT
0.64
EBT Per Ebit
1.44
Ebit per Revenue
0.11
Effective Tax Rate
0.15

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.11
Pretax Profit Margin
0.15
Net Profit Margin
0.1

Dividends

Dividend Yield
0.07
Dividend Yield %
7.45
Payout Ratio
0.21
Dividend Per Share
1.17

Operating Metrics

Operating Cashflow per Share
17.78
Free CashFlow per Share
17.78
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.1
Return on Tangible Assets
0.01
Days Sales Outstanding
408.91
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0.89
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
90,22
Book Value per Share
92,37
Tangible Book Value per Share
796.77
Shareholders Equity per Share
92.37
Interest Debt per Share
21.64
Debt to Equity
0.15
Debt to Assets
0.02
Net Debt to EBITDA
-5.42
Current Ratio
0
Tangible Asset Value
254,63 Bil.
Net Current Asset Value
32,62 Bil.
Invested Capital
0.15
Working Capital
36,96 Bil.
Intangibles to Total Assets
0
Average Receivables
8,91 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.87

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Dah Sing Financial Holdings Limited Dividends
Year Dividends Growth
2000 1
2001 1 100%
2002 1 0%
2003 1 0%
2004 2 50%
2005 2 -100%
2006 2 0%
2007 2 50%
2008 1 -100%
2010 0 0%
2011 1 100%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 8 85.71%
2018 1 -600%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

Dah Sing Financial Holdings Limited Profile

About Dah Sing Financial Holdings Limited

Dah Sing Financial Holdings Limited, an investment holding company, provides banking, insurance, financial, and other related services in the People's Republic of China. The company operates through Personal Banking, Corporate Banking, Treasury and Global Markets, Overseas Banking, and Insurance Business segments. The Personal Banking segment accepts various deposits from individual customers; and provides residential mortgage loans, personal loans, overdrafts, vehicle financing, and credit card services, as well as insurance sales and investment services. The Corporate Banking segment accepts various deposits; and offers loans and working capital financing to commercial, industrial, and institutional customers, as well as trade financing services. The Treasury and Global Markets segment provides foreign exchange services; cash management services for deposit taking and lending; and interest rate risk management services. It also manages investment in securities. The Overseas Banking segment offers personal and corporate banking products and services. The Insurance Business segment is involved in the insurance and pension fund management business. The company also provides insurance agency, nominee, and securities dealing services; and invest in properties. The company was formerly known as Fivetech Investments Limited and changed its name to Dah Sing Financial Holdings Limited in July 1987. Dah Sing Financial Holdings Limited was founded in 1947 and is based in Wan Chai, Hong Kong.

CEO
Mr. Hon-Hing Wong
Employee
3.047
Address
Dah Sing Financial Centre
Wan Chai,

Dah Sing Financial Holdings Limited Executives & BODs

Dah Sing Financial Holdings Limited Executives & BODs
# Name Age
1 Mr. Pak-Ling Wang
Deputy Chief Executive & Executive Director
70
2 Mr. Hon-Hing Wong
MD, Chief Executive Officer & Executive Director
70
3 Mr. Tsu-Hing Wong J.P.
Group GM & Executive Director
70
4 Mr. Shou-Yeh Wong
Executive Chairman of the Board
70
5 Mr. Tsung Yung Li
Company Secretary
70
6 Mr. Chow Chi-Leung
Chief Financial Officer
70
7 Mr. Lee Kook
IR Officer
70
8 Mr. Wing-Fai Poon
Chief Executive Officer & Director of Dah Sing Insurance Co (1976) Ltd
70

Dah Sing Financial Holdings Limited Competitors