Bank of Nanjing Co., Ltd.

$ 10.85 -2.60 %

Bank of Nanjing Co., Ltd., founded in 1996 and headquartered in Nanjing, China, delivers a comprehensive array of financial products and services to a diverse clientele within China, including individual employees, micro and small businesses, and large corporations. The bank manages various RMB and foreign currency deposit accounts, encompassing demand, time, call, and contractual deposits, alongside specialized basic, ordinary, temporary, and specific-purpose RMB accounts, as well as current and capital foreign exchange accounts. Its comprehensive lending solutions include working capital, project, inventory, and mortgage loans, complemented by bill discounting, project loan bill acceptance, and broader trade financing options. For importers, specific facilities comprise letter of credit (LC) credit limits, import LCs, shipping guarantees, and trust receipt loans, while exporters benefit from financing based on orders, export LCs, package loans, discounted commercial invoices, forfeiting, and export insurance financing. Beyond traditional banking, the company offers a suite of services such as salary cards, payroll processing, wealth management, credit cards, consumer finance, online corporate banking, corporate cards, and risk hedging tools. Cash management services span account administration, collection and payment processing, investment and financing, liquidity management, and risk mitigation. Furthermore, Bank of Nanjing supports international trade through services like international remittances, RMB cross-border settlements, letters of credit, international collections, guarantees and SBLCs, foreign exchange spot and forward transactions, and dedicated trade specialist contact. The bank operates this extensive service portfolio through a network of 136 branches.

CEO: Gang Zhu - https://www.njcb.com.cn

Price objectif

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Recommandation

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DCF

$ 61.50

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601009.SS vs S&P500

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Quick ratio

2.10

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

P/E ratio

6.35

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

EPS

1.71

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

ROE

11.18 %

reflects reasonable profitability, showing good use of equity.

ROIC

0.69 %

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

WACC

7.76

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

5.68

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

Free cash flow per share

2.96

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

41.08 %

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
6 indicates moderate financial health
Altman score
0.15 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
2.10 indicates that the company has sufficient cash to cover its short-term debts
Debt Ratio
0.34 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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