Bank of Chongqing Co., Ltd. Class H (HK:1963)
:1963
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Bank of Chongqing Co., Ltd. Class H
(1963)
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Rating:77Outperform
Price Target:
HK$9.50
▲(20.41% Upside)
Action:Upgraded
Date:04/30/26
The score is driven primarily by strong recent financial performance and cash conversion, alongside very attractive valuation (low P/E and high dividend yield). Technicals are supportive with price above major moving averages and positive MACD. The main offsetting risk is the sharp increase in leverage and historical volatility in margins and cash flow.
Positive Factors
Revenue & Margin Expansion
A sustained step-up in revenue and substantially wider margins materially improves the bank's earnings base and operational gearing. Over the medium term this supports higher internal capital generation and resilience to modest credit shocks, enabling reinvestment in lending and fee businesses.
Negative Factors
Elevated Leverage
A sharp increase in leverage materially raises funding and solvency risk, reducing financial flexibility. Higher debt-to-equity magnifies losses if asset quality deteriorates, limits capacity for loan-loss provisioning and constrains management options during stress or tighter liquidity environments.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Margin Expansion
A sustained step-up in revenue and substantially wider margins materially improves the bank's earnings base and operational gearing. Over the medium term this supports higher internal capital generation and resilience to modest credit shocks, enabling reinvestment in lending and fee businesses.
Read all positive factors
Bank of Chongqing Co., Ltd. Class H (1963) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$39.50B
Dividend Yield5.69%
Average Volume (3M)2.11M
Price to Earnings (P/E)3.5
Beta (1Y)0.40
Revenue Growth11.27%
EPS Growth12.75%
CountryHK
Employees5,284
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.71
Shares Outstanding1,579,020,800
10 Day Avg. Volume2,578,014
30 Day Avg. Volume2,105,441
Financial Highlights & Ratios
PEG Ratio-6.67
Price to Book (P/B)0.45
Price to Sales (P/S)0.72
P/FCF Ratio0.26
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
HK$10.11Price Target Upside28.07% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.73
Revenue Forecast (FY)HK$16.77B
Bank of Chongqing Co., Ltd. Class H Business Overview & Revenue Model
Company Description
Bank of Chongqing Co., Ltd. provides various banking and related financial services for corporate and individual customers in the People's Republic of China. It operates through three segments: Corporate Banking, Retail Banking, and Treasury. The ...
How the Company Makes Money
Bank of Chongqing generally earns income through a mix of interest-based and fee-based activities common to commercial banks. (1) Net interest income: The core revenue driver is the spread between interest earned on interest-earning assets (primar...
Bank of Chongqing Co., Ltd. Class H Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 34.23B | 34.00B | 32.15B | 9.60B | 9.58B | 9.34B |
| Gross Profit | 12.95B | 10.44B | 13.64B | 9.60B | 13.27B | 9.34B |
| EBITDA | 6.56B | 6.59B | 6.90B | 0.00 | 6.69B | 6.44B |
| Net Income | 5.79B | 5.51B | 5.12B | 4.93B | 4.87B | 4.66B |
Balance Sheet | ||||||
| Total Assets | 1.10T | 1.03T | 856.64B | 759.88B | 684.71B | 618.95B |
| Cash, Cash Equivalents and Short-Term Investments | 71.52B | 145.40B | 63.40B | 55.74B | 48.52B | 44.39B |
| Total Debt | 420.47B | 400.78B | 194.99B | 156.41B | 136.13B | 120.60B |
| Total Liabilities | 1.04T | 976.52B | 792.88B | 700.58B | 633.22B | 569.71B |
| Stockholders Equity | 59.24B | 54.92B | 61.07B | 56.92B | 49.34B | 47.27B |
Cash Flow | ||||||
| Free Cash Flow | 89.67B | 95.15B | -21.42B | 4.03B | 4.97B | 4.74B |
| Operating Cash Flow | 90.98B | 96.43B | -20.75B | 4.45B | 5.31B | 5.09B |
| Investing Cash Flow | -163.38B | -52.33B | -14.50B | -20.98B | -12.89B | -15.84B |
| Financing Cash Flow | 111.72B | 6.52B | 32.21B | 16.32B | 9.94B | 16.27B |
Bank of Chongqing Co., Ltd. Class H Technical Analysis
Neutral
7.89
Price Trends
8.14
Positive
7.96
Positive
7.83
Positive
Market Momentum
0.05
Positive
46.44
Neutral
57.75
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1963, the sentiment is Neutral. The current price of 7.89 is below the 20-day moving average (MA) of 8.31, below the 50-day MA of 8.14, and above the 200-day MA of 7.83, indicating a neutral trend. The MACD of 0.05 indicates Positive momentum. The RSI at 46.44 is Neutral, neither overbought nor oversold. The STOCH value of 57.75 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for HK:1963.
Bank of Chongqing Co., Ltd. Class H Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | HK$39.50B | 3.55 | 9.70% | 5.69% | 11.27% | 12.75% | |
71 Outperform | HK$86.49B | 4.35 | 9.19% | 5.16% | -1.33% | 7.09% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | HK$33.54B | 3.69 | 12.90% | 4.45% | ― | ― | |
60 Neutral | HK$13.84B | 1.84 | 5.25% | 6.13% | -3.62% | 1.69% | |
56 Neutral | HK$24.87B | 4.55 | 6.51% | 7.99% | -8.83% | -16.92% | |
50 Neutral | HK$13.90B | 5.08 | 0.67% | ― | -6.29% | -6.68% |
* Financial Sector Average
HK:1963
Bank of Chongqing Co., Ltd. Class H
8.20
0.25
3.13%
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Bank of Chongqing Co., Ltd. Class H Corporate Events
Bank of Chongqing Posts Double-Digit Profit Growth in Q1 2026 on Expanding Balance Sheet
Apr 28, 2026
Bank of Chongqing Co., Ltd., a mainland Chinese joint stock commercial bank, provides a range of banking and deposit-taking services to customers in the PRC and holds regulatory approvals from Chinese authorities. Although listed in Hong Kong, it ...
Bank of Chongqing Enhances Audit Committee Powers to Strengthen Governance
Apr 28, 2026
Bank of Chongqing Co., Ltd. has updated its Terms of Reference for the Board’s Audit Committee to strengthen corporate governance and internal oversight in line with Chinese company law, banking regulations and stock exchange rules. The comm...
Bank of Chongqing Schedules Board Meeting to Approve Q1 2026 Results
Apr 16, 2026
Bank of Chongqing Co., Ltd., a Chongqing-based joint stock commercial bank with H-shares listed in Hong Kong, operates under a PRC banking licence and a unified social credit code issued by local market regulators. The bank is regulated in mainlan...
Bank of Chongqing Publishes 2025 Annual Results and Details Report Availability
Mar 24, 2026
Bank of Chongqing Co., Ltd., a PRC-incorporated joint stock commercial bank, holds a domestic financial licence and corporate legal person business licence, operating under mainland regulatory oversight. It is not classified as an authorised insti...
Bank of Chongqing Proposes 2025 Final Dividend With Flexible Payout Structure
Mar 24, 2026
Bank of Chongqing Co., Ltd., a Hong Kong-listed regional commercial bank, has proposed a final ordinary cash dividend of RMB 0.2918 per share for the financial year ended 31 December 2025, payable in RMB with a Hong Kong dollar equivalent to be an...
Bank of Chongqing Schedules Board Meeting to Approve 2025 Results and Consider Dividend
Mar 12, 2026
Bank of Chongqing Co., Ltd., a PRC-incorporated joint stock commercial bank licensed by mainland regulators but not authorised as a banking institution in Hong Kong, operates primarily under Chinese banking oversight and holds a corporate legal pe...
Bank of Chongqing Updates 2024 Pay Details for Senior Leadership
Feb 10, 2026
Bank of Chongqing Co., Ltd., a PRC-incorporated joint stock commercial bank operating under domestic banking regulation but not licensed as a bank in Hong Kong, focuses on providing financial services within mainland China. The bank is governed by...
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.