Bank of Communications Co., Ltd. Logo

Bank of Communications Co., Ltd.

3328.HK

(3.2)
Stock Price

5,76 HKD

0.65% ROA

8.42% ROE

4.32x PER

Market Cap.

489.594.174.618,35 HKD

92.9% DER

7.61% Yield

36.57% NPM

Bank of Communications Co., Ltd. Stock Analysis

Bank of Communications Co., 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.

Bank of Communications Co., Ltd. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.34x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Net Profit Growth

This company's net profit has consistently grown over the last five years, indicating a strong financial performance and making it an attractive investment opportunity.

3 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

4 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

5 ROE

The stock's ROE falls within an average range (8.95%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

6 ROA

The stock's ROA (0.68%) 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.

7 Revenue Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

8 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

9 Buffet Intrinsic Value

The company's stock seems undervalued (12) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

10 DER

The stock is burdened with a heavy load of debt (101%), making it financially unstable and potentially risky for investors.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

Bank of Communications Co., 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.

Bank of Communications Co., Ltd. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Sell
3 RSI Hold
4 Stoch RSI Hold

Bank of Communications Co., 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.

Bank of Communications Co., Ltd. Revenue
Year Revenue Growth
2002 27.310.562.000
2003 32.385.231.000 15.67%
2004 28.833.000.000 -12.32%
2005 35.090.000.000 17.83%
2006 43.225.000.000 18.82%
2007 62.322.000.000 30.64%
2008 76.660.000.000 18.7%
2009 80.937.000.000 5.28%
2010 104.234.000.000 22.35%
2011 126.956.000.000 17.9%
2012 147.337.000.000 13.83%
2013 164.435.000.000 10.4%
2014 177.401.000.000 7.31%
2015 193.752.000.000 8.44%
2016 193.033.000.000 -0.37%
2017 195.756.000.000 1.39%
2018 212.412.000.000 7.84%
2019 231.771.000.000 8.35%
2020 245.812.000.000 5.71%
2021 268.659.000.000 8.5%
2022 271.947.000.000 1.21%
2023 245.496.000.000 -10.77%
2023 256.446.000.000 4.27%
2024 258.824.000.000 0.92%

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.

Bank of Communications Co., 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%
2023 0 0%
2024 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.

Bank of Communications Co., Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 8.010.666.000
2003 9.069.987.000 11.68%
2004 11.718.000.000 22.6%
2005 12.862.000.000 8.89%
2006 15.548.000.000 17.28%
2007 20.214.000.000 23.08%
2008 24.028.000.000 15.87%
2009 26.043.000.000 7.74%
2010 32.435.000.000 19.71%
2011 37.529.000.000 13.57%
2012 42.729.000.000 12.17%
2013 46.440.000.000 7.99%
2014 53.045.000.000 12.45%
2015 58.011.000.000 8.56%
2016 60.289.000.000 3.78%
2017 60.405.000.000 0.19%
2018 64.040.000.000 5.68%
2019 66.560.000.000 3.79%
2020 66.004.000.000 -0.84%
2021 74.545.000.000 11.46%
2022 76.825.000.000 2.97%
2023 79.940.000.000 3.9%
2023 77.369.000.000 -3.32%
2024 80.032.000.000 3.33%

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.

Bank of Communications Co., Ltd. EBITDA
Year EBITDA Growth
2002 15.825.385.000
2003 15.474.911.000 -2.26%
2004 23.050.000.000 32.86%
2005 33.931.000.000 32.07%
2006 44.860.000.000 24.36%
2007 69.852.000.000 35.78%
2008 89.712.000.000 22.14%
2009 91.320.000.000 1.76%
2010 110.331.000.000 17.23%
2011 157.284.000.000 29.85%
2012 199.551.000.000 21.18%
2013 213.012.000.000 6.32%
2014 243.793.000.000 12.63%
2015 246.663.000.000 1.16%
2016 240.642.000.000 -2.5%
2017 272.949.000.000 11.84%
2018 303.488.000.000 10.06%
2019 87.419.000.000 -247.16%
2020 85.129.000.000 -2.69%
2021 92.601.000.000 8.07%
2022 346.519.000.000 73.28%
2023 95.720.000.000 -262.01%
2023 99.174.000.000 3.48%
2024 80.224.000.000 -23.62%

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.

Bank of Communications Co., Ltd. Gross Profit
Year Gross Profit Growth
2002 27.310.562.000
2003 32.385.231.000 15.67%
2004 28.833.000.000 -12.32%
2005 35.090.000.000 17.83%
2006 43.225.000.000 18.82%
2007 62.322.000.000 30.64%
2008 76.660.000.000 18.7%
2009 80.937.000.000 5.28%
2010 104.234.000.000 22.35%
2011 126.956.000.000 17.9%
2012 147.337.000.000 13.83%
2013 164.435.000.000 10.4%
2014 177.401.000.000 7.31%
2015 193.752.000.000 8.44%
2016 193.033.000.000 -0.37%
2017 195.756.000.000 1.39%
2018 212.412.000.000 7.84%
2019 231.771.000.000 8.35%
2020 245.812.000.000 5.71%
2021 268.659.000.000 8.5%
2022 271.947.000.000 1.21%
2023 245.496.000.000 -10.77%
2023 256.446.000.000 4.27%
2024 258.824.000.000 0.92%

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.

Bank of Communications Co., Ltd. Net Profit
Year Net Profit Growth
2002 4.935.676.000
2003 4.311.941.000 -14.47%
2004 1.198.000.000 -259.93%
2005 9.509.000.000 87.4%
2006 12.669.000.000 24.94%
2007 20.513.000.000 38.24%
2008 28.423.000.000 27.83%
2009 30.075.000.000 5.49%
2010 39.042.000.000 22.97%
2011 50.735.000.000 23.05%
2012 58.373.000.000 13.08%
2013 62.295.000.000 6.3%
2014 65.850.000.000 5.4%
2015 66.528.000.000 1.02%
2016 67.210.000.000 1.01%
2017 70.223.000.000 4.29%
2018 73.630.000.000 4.63%
2019 77.281.000.000 4.72%
2020 78.274.000.000 1.27%
2021 87.581.000.000 10.63%
2022 92.102.000.000 4.91%
2023 92.508.000.000 0.44%
2023 92.728.000.000 0.24%
2024 81.196.000.000 -14.2%

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.

Bank of Communications Co., 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 1 0%
2009 1 0%
2010 1 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 1 100%
2020 1 0%
2021 1 100%
2022 1 0%
2023 1 0%
2023 1 0%
2024 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.

Bank of Communications Co., Ltd. Free Cashflow
Year Free Cashflow Growth
2003 50.050.979.000
2004 50.084.000.000 0.07%
2005 52.547.000.000 4.69%
2006 159.693.000.000 67.09%
2007 13.305.000.000 -1100.25%
2008 186.704.000.000 92.87%
2009 68.357.000.000 -173.13%
2010 -32.778.000.000 308.55%
2011 -8.762.000.000 -274.09%
2012 65.726.000.000 113.33%
2013 123.051.000.000 46.59%
2014 23.856.000.000 -415.81%
2015 352.355.000.000 93.23%
2016 449.482.000.000 21.61%
2017 -18.544.000.000 2523.87%
2018 92.549.000.000 120.04%
2019 -114.921.000.000 180.53%
2020 125.249.000.000 191.75%
2021 -57.722.000.000 316.99%
2022 336.566.000.000 117.15%
2023 89.732.000.000 -275.08%
2023 4.354.000.000 -1960.91%
2024 -107.086.000.000 104.07%

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.

Bank of Communications Co., Ltd. Operating Cashflow
Year Operating Cashflow Growth
2003 53.271.080.000
2004 54.498.000.000 2.25%
2005 56.731.000.000 3.94%
2006 162.843.000.000 65.16%
2007 21.018.000.000 -674.78%
2008 193.331.000.000 89.13%
2009 73.747.000.000 -162.15%
2010 -24.167.000.000 405.16%
2011 -1.146.000.000 -2008.81%
2012 76.604.000.000 101.5%
2013 139.183.000.000 44.96%
2014 49.715.000.000 -179.96%
2015 379.122.000.000 86.89%
2016 485.066.000.000 21.84%
2017 10.727.000.000 -4421.92%
2018 123.892.000.000 91.34%
2019 -82.545.000.000 250.09%
2020 149.398.000.000 155.25%
2021 -34.775.000.000 529.61%
2022 368.221.000.000 109.44%
2023 137.323.000.000 -168.14%
2023 13.023.000.000 -954.47%
2024 -96.682.000.000 113.47%

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.

Bank of Communications Co., Ltd. Capital Expenditure
Year Capital Expenditure Growth
2003 3.220.101.000
2004 4.414.000.000 27.05%
2005 4.184.000.000 -5.5%
2006 3.150.000.000 -32.83%
2007 7.713.000.000 59.16%
2008 6.627.000.000 -16.39%
2009 5.390.000.000 -22.95%
2010 8.611.000.000 37.41%
2011 7.616.000.000 -13.06%
2012 10.878.000.000 29.99%
2013 16.132.000.000 32.57%
2014 25.859.000.000 37.62%
2015 26.767.000.000 3.39%
2016 35.584.000.000 24.78%
2017 29.271.000.000 -21.57%
2018 31.343.000.000 6.61%
2019 32.376.000.000 3.19%
2020 24.149.000.000 -34.07%
2021 22.947.000.000 -5.24%
2022 31.655.000.000 27.51%
2023 47.591.000.000 33.49%
2023 8.669.000.000 -448.98%
2024 10.404.000.000 16.68%

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.

Bank of Communications Co., Ltd. Equity
Year Equity Growth
2003 17.999.261.000
2004 51.659.000.000 65.16%
2005 81.896.000.000 36.92%
2006 88.641.000.000 7.61%
2007 128.797.000.000 31.18%
2008 145.642.000.000 11.57%
2009 164.425.000.000 11.42%
2010 223.657.000.000 26.48%
2011 272.788.000.000 18.01%
2012 381.447.000.000 28.49%
2013 421.484.000.000 9.5%
2014 473.605.000.000 11.01%
2015 538.092.000.000 11.98%
2016 632.407.000.000 14.91%
2017 676.271.000.000 6.49%
2018 705.308.000.000 4.12%
2019 800.912.000.000 11.94%
2020 878.628.000.000 8.85%
2021 977.236.000.000 10.09%
2022 1.035.740.000.000 5.65%
2023 1.099.450.000.000 5.79%
2023 1.072.967.000.000 -2.47%
2024 1.119.291.000.000 4.14%

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.

Bank of Communications Co., Ltd. Assets
Year Assets Growth
2003 928.809.752.000
2004 1.141.733.000.000 18.65%
2005 1.421.132.000.000 19.66%
2006 1.716.322.000.000 17.2%
2007 2.103.626.000.000 18.41%
2008 2.678.255.000.000 21.46%
2009 3.309.137.000.000 19.06%
2010 3.951.593.000.000 16.26%
2011 4.611.177.000.000 14.3%
2012 5.273.379.000.000 12.56%
2013 5.960.937.000.000 11.53%
2014 6.268.299.000.000 4.9%
2015 7.155.362.000.000 12.4%
2016 8.403.166.000.000 14.85%
2017 9.038.254.000.000 7.03%
2018 9.531.171.000.000 5.17%
2019 9.905.600.000.000 3.78%
2020 10.697.616.000.000 7.4%
2021 11.665.757.000.000 8.3%
2022 12.992.419.000.000 10.21%
2023 14.060.472.000.000 7.6%
2023 13.830.605.000.000 -1.66%
2024 14.177.914.000.000 2.45%

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.

Bank of Communications Co., Ltd. Liabilities
Year Liabilities Growth
2003 910.810.491.000
2004 1.090.074.000.000 16.45%
2005 1.339.236.000.000 18.6%
2006 1.627.681.000.000 17.72%
2007 1.974.829.000.000 17.58%
2008 2.532.613.000.000 22.02%
2009 3.144.712.000.000 19.46%
2010 3.727.936.000.000 15.64%
2011 4.338.389.000.000 14.07%
2012 4.891.932.000.000 11.32%
2013 5.539.453.000.000 11.69%
2014 5.794.694.000.000 4.4%
2015 6.617.270.000.000 12.43%
2016 7.770.759.000.000 14.84%
2017 8.361.983.000.000 7.07%
2018 8.825.863.000.000 5.26%
2019 816.555.000.000 -980.87%
2020 828.322.000.000 1.42%
2021 970.544.000.000 14.65%
2022 955.469.000.000 -1.58%
2023 1.065.146.000.000 10.3%
2023 1.073.676.000.000 0.79%
2024 1.028.715.000.000 -4.37%

Bank of Communications Co., Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
3.42
Net Income per Share
1.25
Price to Earning Ratio
4.32x
Price To Sales Ratio
1.95x
POCF Ratio
-4.97
PFCF Ratio
-4.09
Price to Book Ratio
0.36
EV to Sales
0.18
EV Over EBITDA
0.45
EV to Operating CashFlow
-0.55
EV to FreeCashFlow
-0.37
Earnings Yield
0.23
FreeCashFlow Yield
-0.24
Market Cap
489,59 Bil.
Enterprise Value
44,20 Bil.
Graham Number
20.6
Graham NetNet
6.06

Income Statement Metrics

Net Income per Share
1.25
Income Quality
-1.71
ROE
0.08
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.94
EBT Per Ebit
1.01
Ebit per Revenue
0.39
Effective Tax Rate
0.05

Margins

Sales, General, & Administrative to Revenue
0.31
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.39
Pretax Profit Margin
0.39
Net Profit Margin
0.37

Dividends

Dividend Yield
0.08
Dividend Yield %
7.61
Payout Ratio
0.57
Dividend Per Share
0.41

Operating Metrics

Operating Cashflow per Share
-1.09
Free CashFlow per Share
-1.63
Capex to Operating CashFlow
-0.5
Capex to Revenue
0.16
Capex to Depreciation
1.72
Return on Invested Capital
0.04
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
0.54

Balance Sheet

Cash per Share
20,06
Book Value per Share
178,91
Tangible Book Value per Share
178.85
Shareholders Equity per Share
15.07
Interest Debt per Share
17.99
Debt to Equity
0.93
Debt to Assets
0.07
Net Debt to EBITDA
-4.58
Current Ratio
0
Tangible Asset Value
13.144,71 Bil.
Net Current Asset Value
445,40 Bil.
Invested Capital
1706476000000
Working Capital
1.474,11 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
2.1

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.

Bank of Communications Co., Ltd. Dividends
Year Dividends Growth
2006 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 1 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Bank of Communications Co., Ltd. Profile

About Bank of Communications Co., Ltd.

Bank of Communications Co., Ltd. provides commercial banking products and services. The company offers personal banking products and services, including demand, time, call, withdrawal, foreign currency, swap management, and education deposits, as well as certificate of deposits; credit and debit cards; housing and personal loans; and wealth management products, and wealth management advisory and consulting services. It also provides corporate banking products and services, such as corporate time and demand structured deposits; cash management services, such as accounts receivable/accounts payable management, account management, liquidity management, and investment and financing management; financing, settlement, and risk management services; financing services; syndicated loans; overdrafts; investment banking services; offshore banking services, including forex deposit and loan, inter-bank loan, international settlement, forex trading and guarantee, business advisory, and other services; and precious metal leasing and commodity trading services. In addition, the company offers international banking services comprising corporate foreign exchange wealth management, import and export settlement, document settlement, remittance and bill, trade finance, and offshore banking services. Further, it provides treasury, asset management, trustee, insurance, financial leasing, debt-to-equity swap, and other financial services; trust investment, fund management, securities dealing and brokerage, and reinsurance services; and e-banking services. It has 245 branches and 3,025 banking outlets in Mainland China; 22 overseas branches and 68 overseas banking outlets, as well as representative offices in 17 countries. Bank of Communications Co., Ltd. was founded in 1908 and is headquartered in Shanghai, the People's Republic of China.

CEO
Mr. Deqi Ren
Employee
93.408
Address
188 Yin Cheng Zhong Lu
Shanghai, 200120

Bank of Communications Co., Ltd. Executives & BODs

Bank of Communications Co., Ltd. Executives & BODs
# Name Age
1 Mr. Wenjin Wang
Chief Business Officer of Corporate & Institution Business Sector
70
2 Mr. Jianjun Liu
Chief Risk Officer
70
3 Mr. Hua Lin
Chief Business Officer of Retail & Private Business Sector
70
4 Mr. Huang Hongyuan
Executive Vice President
70
5 Mr. Sheng Gu
GM of HR Department
70
6 Mr. Hong Tu
Chief Business Officer of Inter-bank & Market Business Sector and President of Shanghai Branch
70
7 Mr. Wanfu Zhou
Executive Director
70
8 Mr. Jiuyong Yin
EVice President & Executive Director
70
9 Mr. Deqi Ren
Executive Chairman
70
10 Mr. Bin Qian
Executive Vice President & Chief Information Officer
70

Bank of Communications Co., Ltd. Competitors