XHKG1983
Market cap682mUSD
Dec 17, Last price
1.98HKD
Name
Luzhou Bank Co Ltd
Chart & Performance
P/E
5.01
P/S
1.67
EPS
0.37
Div Yield, %
5.37%
Shrs. gr., 5y
6.42%
Rev. gr., 5y
9.01%
Revenues
2.98b
-14.93%
Net income
994m
+23.12%
CFO
-8.84b
L
Dividend
May 24, 20240.0988329 HKD/sh
Profile
Luzhou Bank Co., Ltd. provides corporate and retail banking and financial market services. It operates through four segments: Corporate Banking, Retailing Banking, Financial Markets, and Other. The company offers corporate banking products and services, such as corporate loans, bill discounting, and corporate deposits; and retail banking products and services comprising personal loans, personal deposits, and card services, as well as wealth management, precious metal products and services, and other intermediary services. It is also involved in financial markets business that consists of money market transactions, investment management, and asset management. In addition, the company provides settlement and agency services, guarantees and credit commitments, and investment banking services. It serves customers through 32 branches in Luzhou, as well as a branch located in Chengdu and Meishan. Further, the company provides mobile, telephone, and SMS services. The company was formerly known as Luzhou City Commercial Bank Co., Ltd. and changed its name to Luzhou Bank Co., Ltd. in June 2019. Luzhou Bank Co., Ltd. was incorporated in 1997 and is headquartered in Luzhou, China.
Valuation
Title CNY in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|---|---|---|---|
| 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | 2016‑12 | 2015‑12 | |
| Income | |||||||||
Revenues | 2,977,371 -14.93% | 3,499,929 -0.82% | 3,529,041 31.11% | ||||||
Cost of revenue | 77,424 | 482,053 | 465,798 | ||||||
Unusual Expense (Income) | |||||||||
NOPBT | 2,899,947 | 3,017,876 | 3,063,243 | ||||||
NOPBT Margin | 97.40% | 86.23% | 86.80% | ||||||
Operating Taxes | 256,553 | 206,953 | 200,049 | ||||||
Tax Rate | 8.85% | 6.86% | 6.53% | ||||||
NOPAT | 2,643,394 | 2,810,923 | 2,863,194 | ||||||
Net income | 994,237 23.12% | 807,529 9.98% | 734,257 27.46% | ||||||
Dividends | (284,637) | (96,449) | (95,199) | ||||||
Dividend yield | 1.14% | 1.22% | |||||||
Proceeds from repurchase of equity | |||||||||
BB yield | |||||||||
| Debt | |||||||||
Debt current | |||||||||
Long-term debt | 16,575,749 | 23,543,388 | |||||||
Deferred revenue | |||||||||
Other long-term liabilities | 146,709,384 | (16,560,914) | (23,543,388) | ||||||
Net debt | (53,845,885) | (43,940,465) | (29,160,854) | ||||||
| Cash flow | |||||||||
Cash from operating activities | (8,843,296) | 1,732,584 | (789,911) | ||||||
CAPEX | (242,774) | (226,824) | (241,754) | ||||||
Cash from investing activities | 5,563,944 | 6,620,728 | (2,220,784) | ||||||
Cash from financing activities | 538,493 | (7,768,888) | 2,672,102 | ||||||
FCF | 2,989,823 | 2,649,273 | 2,830,165 | ||||||
| Balance | |||||||||
Cash | 3,080,738 | 11,936,053 | 10,447,902 | ||||||
Long term investments | 50,765,147 | 48,580,161 | 42,256,340 | ||||||
Excess cash | 53,697,016 | 60,341,218 | 52,527,790 | ||||||
Stockholders' equity | 11,777,773 | 6,060,439 | 5,845,471 | ||||||
Invested Capital | 145,858,610 | 142,569,388 | 128,664,657 | ||||||
ROIC | 1.83% | 2.07% | 2.36% | ||||||
ROCE | 1.84% | 2.03% | 2.28% | ||||||
| EV | |||||||||
Common stock shares outstanding | 2,717,752 | 2,717,752 | 2,717,752 | ||||||
Price | 3.10 7.64% | 2.88 20.50% | |||||||
Market cap | 8,425,031 7.64% | 7,827,126 20.50% | |||||||
EV | (35,515,434) | (21,333,728) | |||||||
EBITDA | 3,067,247 | 3,193,639 | 3,244,049 | ||||||
EV/EBITDA | |||||||||
Interest | 4,135,322 | 4,236,963 | 4,011,795 | ||||||
Interest/NOPBT | 142.60% | 140.40% | 130.97% | ||||||