Bank of Communications Co., Ltd.

$ 7.28 -2.02 %

Bank of Communications Co., Ltd. (BoCom) operates as a commercial bank, offering a broad spectrum of financial products and services. For individual clients, BoCom delivers a suite of personal banking solutions. These include diverse deposit options such as demand, time, call, withdrawal, foreign currency, swap management, and educational accounts, alongside certificates of deposit. Customers can also access credit and debit cards, various loan products like housing and personal financing, and comprehensive wealth management services, encompassing both product offerings and expert advisory. Its corporate banking arm caters to businesses with structured time and demand deposits, and sophisticated cash management services covering accounts receivable/payable, general account administration, liquidity optimization, and investment/financing strategies. The bank also facilitates financing, settlement, and risk management solutions, alongside syndicated loans, overdraft facilities, investment banking expertise, and offshore banking services. The latter includes foreign exchange deposits and loans, inter-bank lending, international settlements, foreign exchange trading and guarantees, and business advisory. Additionally, BoCom engages in precious metal leasing and commodity trading. International banking services encompass corporate foreign exchange wealth management, import and export settlements, documentary settlements, remittances, bill services, trade finance, and further offshore banking functionalities. Furthermore, BoCom offers treasury services, asset management, trustee services, insurance, financial leasing, and debt-to-equity swap arrangements, among other specialized financial solutions. This extensive portfolio also features trust investment, fund management, securities dealing and brokerage, reinsurance, and advanced e-banking platforms. The bank maintains a significant presence with 245 branches and 3,025 additional banking outlets throughout Mainland China. Globally, it extends its reach with 22 overseas branches, 68 international banking outlets, and representative offices in 17 countries. Established in 1908, Bank of Communications Co., Ltd. is headquartered in Shanghai, People's Republic of China.

CEO: Deqi Ren - https://www.bankcomm.com

Price objectif

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Recommandation

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DCF

$ 160.67

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3328.HK vs S&P500

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Quick ratio

1.45

suggests a healthy liquidity position, showing that the company can likely meet its short-term obligations.

P/E ratio

6.07

may indicate that the company is undervalued or has poor growth prospects.

EPS

1.20

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

7.91 %

indicates low profitability, suggesting that the company is not using equity efficiently to generate profits.

ROIC

0.60 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

4.81

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

2.95

means it relies more on debt, which can increase financial risk.

Free cash flow per share

-5.91

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

44.78 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
4 indicates moderate financial health
Altman score
0.16 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
1.45 indicates that the company has sufficient cash to cover its short-term debts
Debt Ratio
0.22 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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