Bank of Jiujiang Co Ltd

Chart & Performance

D1W1MN

P/E

18.80

P/S

3.22

EPS

0.25

Div Yield, %

1.30%

Shrs. gr., 5y

3.41%

Rev. gr., 5y

-14.71%

Revenues

4.35b

+2.24%

Net income

744m

+2.88%

CFO

-37.85b

L+122.34%

Dividend

Jul 04, 20240.0657537 HKD/sh

Profile

Bank of Jiujiang Co., Ltd. provides various banking and financial products and services for individuals, corporate customers, and small and micro enterprises in the People's Republic of China. It operates through Corporate Banking, Retail Banking, and Financial Market Business segments. The company offers demand, time, pledged, and corporate deposit products, as well as certificates of deposit; personal loans for consumption and business purposes; residential mortgage loans; personal wealth management services; corporate loans, and green financing products; and trade financing services, as well as debit and credit cards. It also provides various services, including handling domestic and overseas settlements, as well as bill acceptance, settlement, and discounting; issuing financial bonds; acting as agent to issue, settle, and underwrite government bonds; trading of government bonds and financial bonds; inter-bank placements; offering letters of credit services and guarantees; acting as agent on inward and outward payments, and acting as insurance agent; sale of securities investment funds; and safe-box service and other businesses. In addition, the company conducts money market or repurchase transactions, and financial investments, as well as provides online, mobile, telephone, and self-service banking services. As of December 31, 2020, it operated through 13 branches and 262 sub-branches. The company was incorporated in 2000 and is headquartered in Jiujiang, the People's Republic of China.

URL

http://www.jjccb.com

IPO date

Jul 10, 2018

Employees

5,264

Domiciled in

Incorporated in

Valuation

Order:

Title CNY in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title CNY in thousands, except ratios and share amounts	2024‑12	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12
Income
Revenues	4,348,148 2.24%	4,252,720 -58.05%	10,137,336 20.58%
Cost of revenue	3,498,443	796,569	781,378
Unusual Expense (Income)
NOPBT	849,705	3,456,151	9,355,958
NOPBT Margin	19.54%	81.27%	92.29%
Operating Taxes	45,823	109,704	321,106
Tax Rate	5.39%	3.17%	3.43%
NOPAT	803,882	3,346,447	9,034,852
Net income	744,432 2.88%	723,582 -55.20%	1,615,116 -6.56%
Dividends	(510,760)	(592,383)	(581,900)
Dividend yield	3.42%	3.31%
Proceeds from repurchase of equity		3,926,791
BB yield		-21.91%
Debt
Debt current
Long-term debt			29,127,869
Deferred revenue
Other long-term liabilities	463,057,501		(19,854,222)
Net debt	(13,249,619)	(162,765,043)	(155,818,466)
Cash flow
Cash from operating activities	(37,852,477)	(17,024,427)	(12,008,528)
CAPEX	(444,566)	(597,570)	(413,949)
Cash from investing activities	7,488,524	18,065,113	3,531,445
Cash from financing activities	22,242,093	10,915,493	(4,179,674)
FCF	1,121,259	41,801,751	(29,314,028)
Balance
Cash	13,249,619	16,674,203	35,785,772
Long term investments		146,090,840	149,160,563
Excess cash	13,032,212	162,552,407	184,439,468
Stockholders' equity	30,886,225	29,317,381	28,263,943
Invested Capital	492,558,227	462,003,556	450,297,583
ROIC	0.17%	0.73%	2.05%
ROCE	0.17%	0.70%	1.96%
EV
Common stock shares outstanding	2,847,367	2,560,284	2,407,367
Price	5.25 -25.00%	7.00
Market cap	14,948,677 -16.59%	17,921,988
EV	2,484,876	(144,043,024)
EBITDA	1,433,554	4,003,170	9,869,699
EV/EBITDA	1.73
Interest		11,284,788	11,354,064
Interest/NOPBT		326.51%	121.36%