Bank of China (BACHY)
OTHER OTC:BACHY
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Bank of China
(OTC:BACHY)
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Rating:73Outperform
Price Target:
$18.00
â–²(26.94% Upside)
Action:ReiteratedDate:05/01/26
The score is driven primarily by solid underlying financial performance but tempered by elevated balance-sheet leverage volatility and data-consistency/volatility concerns. Valuation is a major positive (low P/E and strong dividend yield), while technicals are neutral-to-mildly supportive. Earnings-call commentary was constructive on diversification, capital strength, and asset quality, but ongoing margin pressure and macro/sector risks cap the overall score.
Positive Factors
Revenue diversification (non‑interest income)
A rising share of fee and non‑interest income reduces reliance on net interest margins, helping earnings resist prolonged NIM compression. Durable growth in custody, agency fees and cross‑border services supports more stable, higher‑margin revenue and improves earnings mix over the medium term.
Negative Factors
Leverage volatility and funding mix risk
A sharp rise in reported debt‑to‑equity signals a material funding‑mix shift or reporting inconsistency, elevating liquidity and refinancing risk. Persistent leverage volatility weakens comparability, may constrain capital actions and increases sensitivity to market or deposit shocks over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue diversification (non‑interest income)
A rising share of fee and non‑interest income reduces reliance on net interest margins, helping earnings resist prolonged NIM compression. Durable growth in custody, agency fees and cross‑border services supports more stable, higher‑margin revenue and improves earnings mix over the medium term.
Read all positive factors
Bank of China (BACHY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$249.72B
Dividend Yield4.07%
Average Volume (3M)5.14K
Price to Earnings (P/E)5.7
Beta (1Y)0.12
Revenue Growth-0.20%
EPS Growth5.51%
CountryUS
Employees312,757
SectorFinancial
Sector Strength70
IndustryBanks - Diversified
Share Statistics
EPS (TTM)19.50
Shares Outstanding3,344,891,000
10 Day Avg. Volume3,877
30 Day Avg. Volume5,142
Financial Highlights & Ratios
PEG Ratio-2.06
Price to Book (P/B)0.44
Price to Sales (P/S)1.09
P/FCF Ratio1.75
Enterprise Value/Market Cap31.49
Enterprise Value/Revenue6.45
Enterprise Value/Gross Profit12.37
Enterprise Value/Ebitda25.60
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.71
Revenue Forecast (FY)$98.66B
Bank of China Business Overview & Revenue Model
Company Description
Bank of China Limited, together with its subsidiaries, provides various banking and financial services. It operates through six segments: Corporate Banking, Personal Banking, Treasury Operations, Investment Banking, Insurance, and Other Operations...
How the Company Makes Money
Bank of China primarily earns money through a mix of net interest income and fee- and commission-based income, supplemented by trading and investment-related results. Net interest income is generated from the spread between interest earned on asse...
Bank of China Earnings Call Summary
Earnings Call Date:Mar 30, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Aug 28, 2026
Earnings Call Sentiment Positive
The call emphasized broad progress: steady revenue growth (operating income +4.28%), strong diversification into non‑interest income (+19.21%), robust asset and liability expansion, enhanced capital ratio after a RMB 165 billion replenishment, stable/low NPLs (1.23%) and significant global business traction (overseas pretax contribution ~28%). Management acknowledged margin pressure (NIM 1.26%, down ~14 bps) and external/sector risks (real estate transition, geopolitical uncertainty, deposit competition), but laid out clear strategic responses (digital transformation, targeted credit allocation, active liability management and risk controls). Overall the positives — diversified revenue growth, improved efficiency, stronger capital and resilient asset quality — materially outweigh the challenges discussed, though margin and external risks warrant monitoring.Positive Updates
Operating Income and Profitability
Operating income reached about RMB 659.9 billion, up 4.28% year‑on‑year; net profit and net profit attributable to shareholders rose by 2.06% and 2.18% respectively. Cost‑to‑income ratio improved, falling 0.93 percentage points year‑on‑year, and pre‑provision profit growth improved by 2.62 percentage points versus 2024.
Negative Updates
Compressed Net Interest Margin and Interest Income Pressure
Net interest margin (NIM) stood at 1.26%, down ~14 basis points year‑on‑year. Although NIM stabilized and net interest income improved quarter‑by‑quarter (with positive single‑quarter YoY growth in H2), overall NII and margin remain under pressure in a low interest‑rate environment.
Read all updates
Q4-2025 Updates
Positive
Negative
Operating Income and Profitability
Operating income reached about RMB 659.9 billion, up 4.28% year‑on‑year; net profit and net profit attributable to shareholders rose by 2.06% and 2.18% respectively. Cost‑to‑income ratio improved, falling 0.93 percentage points year‑on‑year, and pre‑provision profit growth improved by 2.62 percentage points versus 2024.
Read all positive updates
Company Guidance
Management guided a 2026 push on five priorities—high‑quality support for the real economy, opening up, value creation, digital/AI empowerment and stable risk control—while targeting stabilization and recovery of net interest income and narrowing NIM pressure (NIM was 1.26% in 2025), sustaining operating income (RMB 659.9bn, +4.28% YoY) and net profit growth (net profit +2.06%; net profit attributable +2.18%), expanding assets and liabilities (total assets RMB 38.36tn, +9.4%; total liabilities RMB 35.15tn, +9.47%; RMB deposits +RMB1.37tn; FX deposits +15%), boosting fee‑based and non‑interest income (non‑interest income RMB 219.2bn, +19.21%, 33.21% of operating income, +4.16 ppt; net fee & commission RMB 82.2bn, +7.4%), preserving asset quality and buffers (NPL ratio 1.23%, -0.02 ppt; watch‑list 1.47%; provision coverage ~200.37%; provincial coverage ~2.37%), maintaining strong capital (first batch capital replenishment RMB 165bn; CAR 18.85%), supporting growth areas (domestic RMB loans +RMB1.81tn, +9.9%; tech loans +18.78%; green loans +27.83%; inclusive small‑micro loan balances +21.32% and accounts +22.86%; digital economy loans >RMB880bn; personal consumption loans +28%, personal housing loans >RMB500bn), leveraging global strengths (overseas pretax profit contribution 27.99%; international settlement USD4.45tn, +9.56%; cross‑border e‑commerce USD1.18tn, +45.07%; custody network >100 countries), scaling digital capability (cloud services >51,000; AI assistants >400; RPA >3,600 scenarios) and continuing shareholder returns (RMB0.2310/share dividend; payout ratio 30%).Bank of China Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
58
Neutral
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.22T | 1.22T | 531.26B | 518.28B | 488.48B | 503.06B |
| Gross Profit | 635.71B | 657.18B | 531.26B | 518.28B | 584.72B | 604.08B |
| EBITDA | 307.28B | 329.32B | 324.18B | 0.00 | 312.51B | 302.94B |
| Net Income | 244.95B | 243.02B | 237.84B | 231.90B | 226.52B | 216.56B |
Balance Sheet | ||||||
| Total Assets | 39.45T | 38.36T | 35.06T | 32.43T | 28.91T | 26.72T |
| Cash, Cash Equivalents and Short-Term Investments | 2.83T | 5.09T | 4.14T | 2.27T | 4.10T | 3.90T |
| Total Debt | 8.50T | 2.78T | 1.03T | 907.17B | 1.89T | 1.72T |
| Total Liabilities | 36.48T | 35.15T | 32.11T | 29.68T | 26.33T | 24.37T |
| Stockholders Equity | 2.82T | 3.06T | 2.82T | 2.63T | 2.43T | 2.23T |
Cash Flow | ||||||
| Free Cash Flow | 790.63B | 760.76B | 523.73B | 787.30B | -39.08B | 813.09B |
| Operating Cash Flow | 848.51B | 812.03B | 550.97B | 816.45B | -11.34B | 843.26B |
| Investing Cash Flow | -1.11T | -1.07T | -805.99B | -539.43B | -11.72B | -395.56B |
| Financing Cash Flow | 169.37B | 188.63B | 111.86B | 2.78T | 2.07T | 74.34B |
Bank of China Technical Analysis
Positive
14.18
Price Trends
15.19
Positive
14.81
Positive
14.42
Positive
Market Momentum
0.38
Negative
72.69
Negative
94.51
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BACHY, the sentiment is Positive. The current price of 14.18 is below the 20-day moving average (MA) of 15.82, below the 50-day MA of 15.19, and below the 200-day MA of 14.42, indicating a bullish trend. The MACD of 0.38 indicates Negative momentum. The RSI at 72.69 is Negative, neither overbought nor oversold. The STOCH value of 94.51 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BACHY.
Bank of China Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | $134.53B | 2.09 | 9.58% | 2.54% | 1.43% | 14.15% | |
73 Outperform | $249.72B | 5.74 | 8.19% | 4.07% | -0.20% | 5.51% | |
73 Outperform | $315.99B | 13.61 | 11.88% | 4.14% | -7.13% | -2.41% | |
72 Outperform | $171.12B | 6.78 | 15.73% | 1.85% | -14.46% | 36.76% | |
69 Neutral | $199.02B | 13.57 | 9.31% | 2.48% | -0.93% | 3.71% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $215.44B | 8.51 | 7.53% | 1.94% | 3.02% | 27.75% |
* Financial Sector Average
BACHY
Bank of China
16.25
2.35
16.93%
C
Citigroup
125.63
57.70
84.94%
HSBC
HSBC Holdings
90.13
36.32
67.50%
MUFG
Mitsubishi UFJ
17.57
5.21
42.15%
SMFG
Sumitomo Mitsui
20.99
7.07
50.79%
SAN
Banco Santander SA
11.55
4.52
64.27%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.