Bank of China Limited Logo

Bank of China Limited

3988.HK

(2.8)
Stock Price

3,45 HKD

0.72% ROA

9.18% ROE

3.37x PER

Market Cap.

1.073.571.223.790,30 HKD

74.88% DER

8.6% Yield

36.96% NPM

Bank of China Limited Stock Analysis

Bank of China 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.

Bank of China Limited Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.29x), the stock offers substantial upside potential at a bargain price.

2 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.

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

The stock's ROE falls within an average range (9.18%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.72%) 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 DER

The stock maintains a fair debt to equity ratio (75%), indicating a reasonable balance between the money it owes and the ownership it possesses.

7 Graham Number

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

8 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (7), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

9 Revenue Growth

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

10 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

11 Dividend Growth

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

Bank of China 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.

Bank of China Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Bank of China 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.

Bank of China Limited Revenue
Year Revenue Growth
2003 133.209.000.000
2004 148.655.000.000 10.39%
2005 182.968.000.000 18.75%
2006 137.628.000.000 -32.94%
2007 180.669.000.000 23.82%
2008 227.562.000.000 20.61%
2009 231.377.000.000 1.65%
2010 275.788.000.000 16.1%
2011 327.650.000.000 15.83%
2012 365.478.000.000 10.35%
2013 406.416.000.000 10.07%
2014 455.012.000.000 10.68%
2015 471.987.000.000 3.6%
2016 482.733.000.000 2.23%
2017 482.116.000.000 -0.13%
2018 501.997.000.000 3.96%
2019 548.125.000.000 8.42%
2020 565.373.000.000 3.05%
2021 604.081.000.000 6.41%
2022 617.364.000.000 2.15%
2023 603.616.000.000 -2.28%

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 China Limited Research and Development Expenses
Year Research and Development Expenses Growth
2003 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.

Bank of China Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 34.041.000.000
2004 41.915.000.000 18.79%
2005 45.604.000.000 8.09%
2006 53.614.000.000 14.94%
2007 0 0%
2008 71.957.000.000 100%
2009 81.076.000.000 11.25%
2010 94.555.000.000 14.26%
2011 108.511.000.000 12.86%
2012 116.436.000.000 6.81%
2013 124.747.000.000 6.66%
2014 130.387.000.000 4.33%
2015 134.213.000.000 2.85%
2016 135.820.000.000 1.18%
2017 136.963.000.000 0.83%
2018 141.610.000.000 3.28%
2019 153.782.000.000 7.92%
2020 151.149.000.000 -1.74%
2021 170.602.000.000 11.4%
2022 172.311.000.000 0.99%
2023 178.924.000.000 3.7%

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 China Limited EBITDA
Year EBITDA Growth
2003 75.753.000.000
2004 74.180.000.000 -2.12%
2005 116.975.000.000 36.58%
2006 155.712.000.000 24.88%
2007 200.738.000.000 22.43%
2008 214.967.000.000 6.62%
2009 217.801.000.000 1.3%
2010 266.762.000.000 18.35%
2011 359.802.000.000 25.86%
2012 444.929.000.000 19.13%
2013 457.047.000.000 2.65%
2014 521.016.000.000 12.28%
2015 525.013.000.000 0.76%
2016 478.721.000.000 -9.67%
2017 511.320.000.000 6.38%
2018 558.891.000.000 8.51%
2019 261.514.000.000 -113.71%
2020 261.658.000.000 0.06%
2021 294.632.000.000 11.19%
2022 725.322.000.000 59.38%
2023 258.572.000.000 -180.51%

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 China Limited Gross Profit
Year Gross Profit Growth
2003 133.209.000.000
2004 148.655.000.000 10.39%
2005 182.968.000.000 18.75%
2006 137.628.000.000 -32.94%
2007 180.669.000.000 23.82%
2008 227.562.000.000 20.61%
2009 231.377.000.000 1.65%
2010 275.788.000.000 16.1%
2011 327.650.000.000 15.83%
2012 365.478.000.000 10.35%
2013 406.416.000.000 10.07%
2014 455.012.000.000 10.68%
2015 471.987.000.000 3.6%
2016 482.733.000.000 2.23%
2017 482.116.000.000 -0.13%
2018 501.997.000.000 3.96%
2019 548.125.000.000 8.42%
2020 565.373.000.000 3.05%
2021 604.081.000.000 6.41%
2022 617.364.000.000 2.15%
2023 603.616.000.000 -2.28%

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 China Limited Net Profit
Year Net Profit Growth
2003 28.707.000.000
2004 20.932.000.000 -37.14%
2005 27.492.000.000 23.86%
2006 41.892.000.000 34.37%
2007 56.229.000.000 25.5%
2008 63.539.000.000 11.5%
2009 80.819.000.000 21.38%
2010 104.418.000.000 22.6%
2011 124.182.000.000 15.92%
2012 139.432.000.000 10.94%
2013 156.911.000.000 11.14%
2014 169.595.000.000 7.48%
2015 170.845.000.000 0.73%
2016 164.578.000.000 -3.81%
2017 172.407.000.000 4.54%
2018 180.086.000.000 4.26%
2019 187.405.000.000 3.91%
2020 192.870.000.000 2.83%
2021 216.559.000.000 10.94%
2022 227.439.000.000 4.78%
2023 219.052.000.000 -3.83%

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 China Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 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 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.

Bank of China Limited Free Cashflow
Year Free Cashflow Growth
2003 -66.637.000.000
2004 -107.495.000.000 38.01%
2005 7.932.000.000 1455.21%
2006 20.483.000.000 61.28%
2007 39.037.000.000 47.53%
2008 402.989.000.000 90.31%
2009 -154.720.000.000 360.46%
2010 285.007.000.000 154.29%
2011 181.902.000.000 -56.68%
2012 234.434.000.000 22.41%
2013 188.069.000.000 -24.65%
2014 91.810.000.000 -104.85%
2015 635.152.000.000 85.55%
2016 147.834.000.000 -329.64%
2017 360.125.000.000 58.95%
2018 620.209.000.000 41.93%
2019 -523.285.000.000 218.52%
2020 33.406.000.000 1666.44%
2021 813.085.000.000 95.89%
2022 -39.075.000.000 2180.83%
2023 -155.185.000.000 74.82%

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 China Limited Operating Cashflow
Year Operating Cashflow Growth
2003 -60.699.000.000
2004 -100.738.000.000 39.75%
2005 13.883.000.000 825.62%
2006 27.908.000.000 50.25%
2007 51.383.000.000 45.69%
2008 424.767.000.000 87.9%
2009 -120.093.000.000 453.7%
2010 308.997.000.000 138.87%
2011 214.357.000.000 -44.15%
2012 263.924.000.000 18.78%
2013 222.840.000.000 -18.44%
2014 126.918.000.000 -75.58%
2015 672.094.000.000 81.12%
2016 182.081.000.000 -269.12%
2017 406.136.000.000 55.17%
2018 662.358.000.000 38.68%
2019 -484.266.000.000 236.78%
2020 73.028.000.000 763.12%
2021 843.258.000.000 91.34%
2022 -11.337.000.000 7538.11%
2023 -149.123.000.000 92.4%

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 China Limited Capital Expenditure
Year Capital Expenditure Growth
2003 5.938.000.000
2004 6.757.000.000 12.12%
2005 5.951.000.000 -13.54%
2006 7.425.000.000 19.85%
2007 12.346.000.000 39.86%
2008 21.778.000.000 43.31%
2009 34.627.000.000 37.11%
2010 23.990.000.000 -44.34%
2011 32.455.000.000 26.08%
2012 29.490.000.000 -10.05%
2013 34.771.000.000 15.19%
2014 35.108.000.000 0.96%
2015 36.942.000.000 4.96%
2016 34.247.000.000 -7.87%
2017 46.011.000.000 25.57%
2018 42.149.000.000 -9.16%
2019 39.019.000.000 -8.02%
2020 39.622.000.000 1.52%
2021 30.173.000.000 -31.32%
2022 27.738.000.000 -8.78%
2023 6.062.000.000 -357.57%

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 China Limited Equity
Year Equity Growth
2003 203.752.000.000
2004 205.351.000.000 0.78%
2005 233.842.000.000 12.18%
2006 388.254.000.000 39.77%
2007 424.766.000.000 8.6%
2008 468.272.000.000 9.29%
2009 514.992.000.000 9.07%
2010 644.165.000.000 20.05%
2011 723.162.000.000 10.92%
2012 824.677.000.000 12.31%
2013 923.916.000.000 10.74%
2014 1.140.859.000.000 19.02%
2015 1.304.946.000.000 12.57%
2016 1.411.682.000.000 7.56%
2017 1.496.016.000.000 5.64%
2018 1.725.397.000.000 13.29%
2019 1.976.696.000.000 12.71%
2020 2.162.837.000.000 8.61%
2021 2.350.553.000.000 7.99%
2022 2.567.571.000.000 8.45%
2023 2.690.107.000.000 4.56%

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 China Limited Assets
Year Assets Growth
2003 3.979.965.000.000
2004 4.270.443.000.000 6.8%
2005 4.742.806.000.000 9.96%
2006 5.325.273.000.000 10.94%
2007 5.995.553.000.000 11.18%
2008 6.955.694.000.000 13.8%
2009 8.751.943.000.000 20.52%
2010 10.459.865.000.000 16.33%
2011 11.830.066.000.000 11.58%
2012 12.680.615.000.000 6.71%
2013 13.874.299.000.000 8.6%
2014 15.251.382.000.000 9.03%
2015 16.815.597.000.000 9.3%
2016 18.148.889.000.000 7.35%
2017 19.467.424.000.000 6.77%
2018 21.267.275.000.000 8.46%
2019 22.769.744.000.000 6.6%
2020 24.402.659.000.000 6.69%
2021 26.722.408.000.000 8.68%
2022 28.913.857.000.000 7.58%
2023 31.764.820.000.000 8.98%

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 China Limited Liabilities
Year Liabilities Growth
2003 3.750.489.000.000
2004 4.037.705.000.000 7.11%
2005 4.480.186.000.000 9.88%
2006 4.907.459.000.000 8.71%
2007 5.540.560.000.000 11.43%
2008 6.461.793.000.000 14.26%
2009 8.206.549.000.000 21.26%
2010 9.783.715.000.000 16.12%
2011 11.074.172.000.000 11.65%
2012 11.819.073.000.000 6.3%
2013 12.912.822.000.000 8.47%
2014 14.067.954.000.000 8.21%
2015 15.457.992.000.000 8.99%
2016 16.661.797.000.000 7.22%
2017 17.890.745.000.000 6.87%
2018 19.541.878.000.000 8.45%
2019 1.579.942.000.000 -1136.87%
2020 1.551.043.000.000 -1.86%
2021 1.718.692.000.000 9.75%
2022 1.888.997.000.000 9.02%
2023 1.921.180.000.000 1.68%

Bank of China Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
2.15
Net Income per Share
0.8
Price to Earning Ratio
3.37x
Price To Sales Ratio
1.73x
POCF Ratio
0.98
PFCF Ratio
1.43
Price to Book Ratio
0.3
EV to Sales
-1.87
EV Over EBITDA
-2.21
EV to Operating CashFlow
-1.47
EV to FreeCashFlow
-1.54
Earnings Yield
0.3
FreeCashFlow Yield
0.7
Market Cap
1.073,57 Bil.
Enterprise Value
-1.159,59 Bil.
Graham Number
12.62
Graham NetNet
7.75

Income Statement Metrics

Net Income per Share
0.8
Income Quality
7.04
ROE
0.09
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.8
EBT Per Ebit
0.55
Ebit per Revenue
0.84
Effective Tax Rate
0.15

Margins

Sales, General, & Administrative to Revenue
0.29
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.84
Pretax Profit Margin
0.46
Net Profit Margin
0.37

Dividends

Dividend Yield
0.09
Dividend Yield %
8.6
Payout Ratio
0.1
Dividend Per Share
0.25

Operating Metrics

Operating Cashflow per Share
2.73
Free CashFlow per Share
2.61
Capex to Operating CashFlow
-0.05
Capex to Revenue
-0.06
Capex to Depreciation
0
Return on Invested Capital
0.1
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
-0.12

Balance Sheet

Cash per Share
14,41
Book Value per Share
8,90
Tangible Book Value per Share
103.45
Shareholders Equity per Share
8.9
Interest Debt per Share
8.55
Debt to Equity
0.75
Debt to Assets
0.06
Net Debt to EBITDA
-4.25
Current Ratio
0
Tangible Asset Value
29.815,66 Bil.
Net Current Asset Value
2.233,16 Bil.
Invested Capital
0.75
Working Capital
4.154,34 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.79

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 China Limited 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%

Bank of China Limited Profile

About Bank of China Limited

Bank of China Limited, together with its subsidiaries, provides various banking and financial services. It operates through six segments: Corporate Banking, Personal Banking, Treasury Operations, Investment Banking, Insurance, and Other Operations. The Corporate Banking segment offers current accounts, deposits, overdrafts, loans, trade-related products and other credit facilities, foreign currency, derivatives, and wealth management products to corporate customers, government authorities, and financial institutions. The Personal Banking segment provides savings deposits, personal loans, credit and debit cards, payments and settlements, wealth management products, and funds and insurance agency services to retail customers. The Treasury Operations segment is involved in foreign exchange transactions, customer-based interest rate and foreign exchange derivative transactions, money market transactions, proprietary trading, and asset and liability management. The Investment Banking segment offers debt and equity underwriting, financial advisory, stock brokerage, investment research and asset management, and private equity investment services, as well as sells and trades in securities. The Insurance segment underwrites general and life insurance products; and provides insurance agency services. As of December 31, 2021, the company had 10,382 branches and outlets, which include 520 institutions in the Chinese mainland and 550 institutions in Hong Kong, Macao, Taiwan, and other countries. It is also involved in the aircraft leasing business. The company was founded in 1912 and is headquartered in Beijing, China.

CEO
Mr. Jin Liu
Employee
306.182
Address
No. 1 Fuxingmen Nei Dajie
Beijing, 100818

Bank of China Limited Executives & BODs

Bank of China Limited Executives & BODs
# Name Age
1 Mr. Jingzhen Lin
Executive Vice President & Executive Director
70
2 Mr. Jianguang Wu
General Manager of Financial Management Department
70
3 Ms. Rong Zhao
Chief Business & Management Officer
70
4 Mr. Jin Liu
President & Executive Vice Chairman
70
5 Mr. Bing Zhou
Chief Accounting Manager of Finance Department
70
6 Mr. Zhe Yang
IR Manager
70
7 Ms. Qian Meng
Chief Information Officer
70
8 Mr. Jiandong Liu
Chief Risk Officer
70
9 Mr. Chengwen Zhuo
Chief Audit Officer
70
10 Mr. Haijiao Ge
Executive Chairman
70

Bank of China Limited Competitors