Chongqing Rural Commercial Bank Co., Ltd.
Chongqing Rural Commercial Bank Co., Ltd. Fundamental Analysis
Chongqing Rural Commercial Bank Co., Ltd. (3618.HK) shows strong financial fundamentals with a PE ratio of 5.81, profit margin of 37.46%, and ROE of 8.98%. The company generates $36.7B in annual revenue with strong year-over-year growth of 25.74%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 41.4/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze 3618.HK's fundamental strength across five key dimensions:
Efficiency Score
Weak3618.HK struggles to generate sufficient returns from assets.
Valuation Score
Excellent3618.HK trades at attractive valuation levels.
Growth Score
Moderate3618.HK shows steady but slowing expansion.
Financial Health Score
Moderate3618.HK shows balanced financial health with some risks.
Profitability Score
Weak3618.HK struggles to sustain strong margins.
Key Financial Metrics
Is 3618.HK Expensive or Cheap?
P/E Ratio
3618.HK trades at 5.81 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, 3618.HK's PEG of 1.11 indicates fair valuation.
Price to Book
The market values Chongqing Rural Commercial Bank Co., Ltd. at 0.51 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -33.74 times EBITDA. This is generally considered low.
How Well Does 3618.HK Make Money?
Net Profit Margin
For every $100 in sales, Chongqing Rural Commercial Bank Co., Ltd. keeps $37.46 as profit after all expenses.
Operating Margin
Core operations generate 42.88 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $8.98 in profit for every $100 of shareholder equity.
ROA
Chongqing Rural Commercial Bank Co., Ltd. generates $0.73 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Chongqing Rural Commercial Bank Co., Ltd. generates limited operating cash flow of $-81.15B, signaling weaker underlying cash strength.
Free Cash Flow
Chongqing Rural Commercial Bank Co., Ltd. generates weak or negative free cash flow of $-83.12B, restricting financial flexibility.
FCF Per Share
Each share generates $-6.44 in free cash annually.
FCF Yield
3618.HK converts -91.45% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
5.81
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.11
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.51
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.47
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
3.39
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.42
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.09
vs 25 benchmark
ROA
Return on assets percentage
0.007
vs 25 benchmark
ROCE
Return on capital employed
0.009
vs 25 benchmark
How 3618.HK Stacks Against Its Sector Peers
| Metric | 3618.HK Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 5.81 | 18.59 | Better (Cheaper) |
| ROE | 8.98% | 801.00% | Weak |
| Net Margin | 37.46% | -498.00% (disorted) | Strong |
| Debt/Equity | 3.39 | 0.98 | Weak (High Leverage) |
| Current Ratio | 1.42 | 661.40 | Neutral |
| ROA | 0.73% | -21324.00% (disorted) | Weak |
3618.HK outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Chongqing Rural Commercial Bank Co., Ltd.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-5.77%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
6.76%
Industry Style: Value, Dividend, Cyclical
GrowingFCF CAGR
-82.55%
Industry Style: Value, Dividend, Cyclical
Declining