Industrial & Commercial Bank of China Ltd. Logo

Industrial & Commercial Bank of China Ltd.

1398.HK

(3.8)
Stock Price

4,35 HKD

0.82% ROA

10.16% ROE

3.68x PER

Market Cap.

1.611.842.862.171,40 HKD

49.14% DER

9.74% Yield

42.58% NPM

Industrial & Commercial Bank of China Ltd. Stock Analysis

Industrial & Commercial Bank of China Ltd. 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.

Industrial & Commercial Bank of China Ltd. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.38x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a low debt to equity ratio (49%), which means it has a small amount of debt compared to the ownership it holds

3 Net Profit Growth

Throughout the past five years, this company has consistently experienced net profit growth, indicating a strong financial performance and making it an attractive investment prospect.

4 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

5 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.

6 ROE

ROE in an average range (10.16%) suggests satisfactory profitability and decent utilization of shareholders' equity.

7 ROA

The stock's ROA (0.82%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

8 Revenue Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

9 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

10 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (8) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

11 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

Industrial & Commercial Bank of China Ltd. 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.

Industrial & Commercial Bank of China Ltd. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Hold

Industrial & Commercial Bank of China Ltd. 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.

Industrial & Commercial Bank of China Ltd. Revenue
Year Revenue Growth
2002 91.511.000.000
2003 191.883.000.000 52.31%
2004 211.075.000.000 9.09%
2005 250.807.000.000 15.84%
2006 178.889.000.000 -40.2%
2007 254.141.000.000 29.61%
2008 307.780.000.000 17.43%
2009 307.467.000.000 -0.1%
2010 378.675.000.000 18.8%
2011 472.770.000.000 19.9%
2012 534.293.000.000 11.51%
2013 589.637.000.000 9.39%
2014 656.735.000.000 10.22%
2015 695.317.000.000 5.55%
2016 673.287.000.000 -3.27%
2017 723.552.000.000 6.95%
2018 770.700.000.000 6.12%
2019 852.644.000.000 9.61%
2020 881.361.000.000 3.26%
2021 939.893.000.000 6.23%
2022 913.562.000.000 -2.88%
2023 810.484.000.000 -12.72%

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.

Industrial & Commercial Bank of China Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
2002 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%
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.

Industrial & Commercial Bank of China Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 47.943.000.000
2003 46.936.000.000 -2.15%
2004 47.067.000.000 0.28%
2005 61.293.000.000 23.21%
2006 64.469.000.000 4.93%
2007 87.631.000.000 26.43%
2008 91.506.000.000 4.23%
2009 101.703.000.000 10.03%
2010 116.578.000.000 12.76%
2011 139.598.000.000 16.49%
2012 153.336.000.000 8.96%
2013 165.280.000.000 7.23%
2014 176.261.000.000 6.23%
2015 177.823.000.000 0.88%
2016 175.156.000.000 -1.52%
2017 177.723.000.000 1.44%
2018 185.041.000.000 3.95%
2019 199.050.000.000 7.04%
2020 196.848.000.000 -1.12%
2021 225.945.000.000 12.88%
2022 229.615.000.000 1.6%
2023 226.776.000.000 -1.25%

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.

Industrial & Commercial Bank of China Ltd. EBITDA
Year EBITDA Growth
2002 6.680.000.000
2003 108.681.000.000 93.85%
2004 133.094.000.000 18.34%
2005 159.112.000.000 16.35%
2006 190.922.000.000 16.66%
2007 256.694.000.000 25.62%
2008 331.943.000.000 22.67%
2009 337.554.000.000 1.66%
2010 385.728.000.000 12.49%
2011 510.165.000.000 24.39%
2012 627.135.000.000 18.65%
2013 675.383.000.000 7.14%
2014 732.547.000.000 7.8%
2015 743.534.000.000 1.48%
2016 700.750.000.000 -6.11%
2017 719.777.000.000 2.64%
2018 766.389.000.000 6.08%
2019 390.652.000.000 -96.18%
2020 390.347.000.000 -0.08%
2021 423.021.000.000 7.72%
2022 1.008.699.000.000 58.06%
2023 441.240.000.000 -128.61%

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.

Industrial & Commercial Bank of China Ltd. Gross Profit
Year Gross Profit Growth
2002 91.511.000.000
2003 191.883.000.000 52.31%
2004 211.075.000.000 9.09%
2005 250.807.000.000 15.84%
2006 178.889.000.000 -40.2%
2007 254.141.000.000 29.61%
2008 307.780.000.000 17.43%
2009 307.467.000.000 -0.1%
2010 378.675.000.000 18.8%
2011 472.770.000.000 19.9%
2012 534.293.000.000 11.51%
2013 589.637.000.000 9.39%
2014 656.735.000.000 10.22%
2015 695.317.000.000 5.55%
2016 673.287.000.000 -3.27%
2017 723.552.000.000 6.95%
2018 770.700.000.000 6.12%
2019 852.644.000.000 9.61%
2020 881.361.000.000 3.26%
2021 939.893.000.000 6.23%
2022 913.562.000.000 -2.88%
2023 810.484.000.000 -12.72%

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.

Industrial & Commercial Bank of China Ltd. Net Profit
Year Net Profit Growth
2002 6.527.000.000
2003 22.374.000.000 70.83%
2004 30.763.000.000 27.27%
2005 37.405.000.000 17.76%
2006 48.719.000.000 23.22%
2007 81.256.000.000 40.04%
2008 110.766.000.000 26.64%
2009 128.599.000.000 13.87%
2010 165.156.000.000 22.13%
2011 208.265.000.000 20.7%
2012 238.532.000.000 12.69%
2013 262.649.000.000 9.18%
2014 275.811.000.000 4.77%
2015 277.131.000.000 0.48%
2016 278.249.000.000 0.4%
2017 286.049.000.000 2.73%
2018 297.676.000.000 3.91%
2019 312.224.000.000 4.66%
2020 315.906.000.000 1.17%
2021 348.338.000.000 9.31%
2022 360.483.000.000 3.37%
2023 379.716.000.000 5.07%

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.

Industrial & Commercial Bank of China Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 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 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

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.

Industrial & Commercial Bank of China Ltd. Free Cashflow
Year Free Cashflow Growth
2002 212.558.000.000
2003 153.353.000.000 -38.61%
2004 114.034.000.000 -34.48%
2005 359.871.000.000 68.31%
2006 391.636.000.000 8.11%
2007 288.903.000.000 -35.56%
2008 359.938.000.000 19.74%
2009 390.825.000.000 7.9%
2010 264.918.000.000 -47.53%
2011 336.718.000.000 21.32%
2012 514.801.000.000 34.59%
2013 -34.432.000.000 1595.12%
2014 156.834.000.000 121.95%
2015 1.098.278.000.000 85.72%
2016 202.306.000.000 -442.88%
2017 763.984.000.000 73.52%
2018 671.109.000.000 -13.84%
2019 668.483.000.000 -0.39%
2020 1.526.621.000.000 56.21%
2021 339.020.000.000 -350.3%
2022 1.390.944.000.000 75.63%
2023 609.347.000.000 -128.27%

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.

Industrial & Commercial Bank of China Ltd. Operating Cashflow
Year Operating Cashflow Growth
2002 219.784.000.000
2003 160.884.000.000 -36.61%
2004 120.764.000.000 -33.22%
2005 367.494.000.000 67.14%
2006 396.221.000.000 7.25%
2007 296.129.000.000 -33.8%
2008 370.913.000.000 20.16%
2009 403.862.000.000 8.16%
2010 278.176.000.000 -45.18%
2011 348.123.000.000 20.09%
2012 533.508.000.000 34.75%
2013 -1.947.000.000 27501.54%
2014 201.457.000.000 100.97%
2015 1.131.764.000.000 82.2%
2016 239.221.000.000 -373.1%
2017 770.864.000.000 68.97%
2018 724.133.000.000 -6.45%
2019 694.521.000.000 -4.26%
2020 1.557.616.000.000 55.41%
2021 360.882.000.000 -331.61%
2022 1.404.657.000.000 74.31%
2023 611.850.000.000 -129.58%

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.

Industrial & Commercial Bank of China Ltd. Capital Expenditure
Year Capital Expenditure Growth
2002 7.226.000.000
2003 7.531.000.000 4.05%
2004 6.730.000.000 -11.9%
2005 7.623.000.000 11.71%
2006 4.585.000.000 -66.26%
2007 7.226.000.000 36.55%
2008 10.975.000.000 34.16%
2009 13.037.000.000 15.82%
2010 13.258.000.000 1.67%
2011 11.405.000.000 -16.25%
2012 18.707.000.000 39.03%
2013 32.485.000.000 42.41%
2014 44.623.000.000 27.2%
2015 33.486.000.000 -33.26%
2016 36.915.000.000 9.29%
2017 6.880.000.000 -436.56%
2018 53.024.000.000 87.02%
2019 26.038.000.000 -103.64%
2020 30.995.000.000 15.99%
2021 21.862.000.000 -41.78%
2022 13.713.000.000 -59.43%
2023 2.503.000.000 -447.86%

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.

Industrial & Commercial Bank of China Ltd. Equity
Year Equity Growth
2002 178.208.000.000
2003 -537.099.000.000 133.18%
2004 -508.163.000.000 -5.69%
2005 256.947.000.000 297.77%
2006 466.896.000.000 44.97%
2007 538.947.000.000 13.37%
2008 603.183.000.000 10.65%
2009 673.893.000.000 10.49%
2010 820.430.000.000 17.86%
2011 956.742.000.000 14.25%
2012 1.124.997.000.000 14.96%
2013 1.274.134.000.000 11.7%
2014 1.530.859.000.000 16.77%
2015 1.789.474.000.000 14.45%
2016 1.969.751.000.000 9.15%
2017 2.127.491.000.000 7.41%
2018 2.344.883.000.000 9.27%
2019 2.692.003.000.000 12.89%
2020 2.909.515.000.000 7.48%
2021 3.275.258.000.000 11.17%
2022 3.513.826.000.000 6.79%
2023 3.675.878.000.000 4.41%

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.

Industrial & Commercial Bank of China Ltd. Assets
Year Assets Growth
2002 4.776.773.000.000
2003 4.560.174.000.000 -4.75%
2004 5.072.874.000.000 10.11%
2005 6.457.239.000.000 21.44%
2006 7.509.118.000.000 14.01%
2007 8.684.288.000.000 13.53%
2008 9.757.654.000.000 11%
2009 11.785.053.000.000 17.2%
2010 13.458.622.000.000 12.43%
2011 15.476.868.000.000 13.04%
2012 17.542.217.000.000 11.77%
2013 18.917.752.000.000 7.27%
2014 20.609.953.000.000 8.21%
2015 22.209.780.000.000 7.2%
2016 24.137.265.000.000 7.99%
2017 26.087.043.000.000 7.47%
2018 27.699.540.000.000 5.82%
2019 30.109.436.000.000 8%
2020 33.345.058.000.000 9.7%
2021 35.171.383.000.000 5.19%
2022 39.609.657.000.000 11.21%
2023 44.482.823.000.000 10.96%

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.

Industrial & Commercial Bank of China Ltd. Liabilities
Year Liabilities Growth
2002 4.594.767.000.000
2003 5.095.658.000.000 9.83%
2004 5.577.369.000.000 8.64%
2005 6.196.255.000.000 9.99%
2006 7.037.685.000.000 11.96%
2007 8.140.036.000.000 13.54%
2008 9.150.516.000.000 11.04%
2009 11.106.119.000.000 17.61%
2010 12.636.965.000.000 12.11%
2011 14.519.045.000.000 12.96%
2012 16.413.758.000.000 11.54%
2013 17.639.289.000.000 6.95%
2014 19.072.649.000.000 7.52%
2015 20.409.261.000.000 6.55%
2016 22.156.102.000.000 7.88%
2017 23.945.987.000.000 7.47%
2018 25.354.657.000.000 5.56%
2019 1.233.128.000.000 -1956.13%
2020 1.266.743.000.000 2.65%
2021 1.280.715.000.000 1.09%
2022 1.426.616.000.000 10.23%
2023 1.796.484.000.000 20.59%

Industrial & Commercial Bank of China Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
2.16
Net Income per Share
0.92
Price to Earning Ratio
3.68x
Price To Sales Ratio
1.89x
POCF Ratio
0.91
PFCF Ratio
1.09
Price to Book Ratio
0.37
EV to Sales
-1.85
EV Over EBITDA
-2.11
EV to Operating CashFlow
-1.07
EV to FreeCashFlow
-1.07
Earnings Yield
0.27
FreeCashFlow Yield
0.92
Market Cap
1.611,84 Bil.
Enterprise Value
-1.580,33 Bil.
Graham Number
13.82
Graham NetNet
8.07

Income Statement Metrics

Net Income per Share
0.92
Income Quality
4.04
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.88
EBT Per Ebit
0.55
Ebit per Revenue
0.88
Effective Tax Rate
0.12

Margins

Sales, General, & Administrative to Revenue
0.27
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.88
Pretax Profit Margin
0.49
Net Profit Margin
0.43

Dividends

Dividend Yield
0.1
Dividend Yield %
9.74
Payout Ratio
0.47
Dividend Per Share
0.33

Operating Metrics

Operating Cashflow per Share
3.72
Free CashFlow per Share
3.73
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.12
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.01

Balance Sheet

Cash per Share
12,61
Book Value per Share
9,24
Tangible Book Value per Share
107.92
Shareholders Equity per Share
9.24
Interest Debt per Share
6.36
Debt to Equity
0.49
Debt to Assets
0.04
Net Debt to EBITDA
-4.26
Current Ratio
0
Tangible Asset Value
42.686,34 Bil.
Net Current Asset Value
3.192,17 Bil.
Invested Capital
0.49
Working Capital
4.988,66 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.11

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.

Industrial & Commercial Bank of China Ltd. Dividends
Year Dividends Growth
2007 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%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

Industrial & Commercial Bank of China Ltd. Profile

About Industrial & Commercial Bank of China Ltd.

Industrial and Commercial Bank of China Limited, together with its subsidiaries, provides banking products and services in the People's Republic of China and internationally. It operates through Corporate Banking, Personal Banking, and Treasury Operations segments. The Corporate Banking segment offers financial products and services to corporations, government agencies, and financial institutions. Its products and services include corporate loans, trade financing, deposit taking activities, corporate wealth management services, custody activities, and various corporate intermediary services. The Personal Banking segment provides financial products and services to individual customers. This segment's products and services comprise personal loans and cards, deposits, and personal wealth management and intermediary services. The Treasury Operations segment is involved in the money market transactions, investment securities, and foreign exchange transactions businesses, as well as in the holding of derivative positions. It also offers e-banking services, investment banking, financial leasing, and insurance services. The company was founded in 1984 and is based in Beijing, the People's Republic of China.

CEO
Mr. Lin Liao
Employee
427.587
Address
55 Fuxingmennei Avenue
Beijing, 100140

Industrial & Commercial Bank of China Ltd. Executives & BODs

Industrial & Commercial Bank of China Ltd. Executives & BODs
# Name Age
1 Mr. Jianhua Song
Chief Business Officer
70
2 Mr. Fenglin Tian
Chief Business Officer
70
3 Dr. Xueqing Guan
Board Secretary & Company Secretary
70
4 Mr. Zou Xin
General Manager of Corporate Strategy & Investor Relations
70
5 Mr. Hongtao Duan
Senior Executive Vice President
70
6 Mr. Lin Liao
President & Executive Chairman
70
7 Ms. Yan Xiong
Chief Business Officer
70
8 Mr. Li Huang
Head of Beijing Branch & Employee Supervisor
70
9 Mr. Jingwu Wang
Senior Executive Vice President, Chief Risk Officer & Executive Director
70
10 Mr. Weiwu Zhang
Senior Executive Vice President
70

Industrial & Commercial Bank of China Ltd. Competitors