China Everbright Bank Co Ltd Class H (HK:6818)
:6818
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China Everbright Bank Co
(6818)
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Rating:62Neutral
Price Target:
HK$3.50
â–²(10.06% Upside)
Action:Reiterated
Date:04/30/26
The score is primarily supported by attractive valuation (low P/E and high dividend yield), but is held back by middling financial performance driven by weakening revenue/earnings momentum, elevated leverage, and historically volatile cash flows. Technical indicators are mixed with longer-term trend pressure, limiting the overall rating.
Positive Factors
Diversified revenue mix
The bank's business model spans net interest income plus fee-based businesses (payments, wealth management, custody) and trading. This structural mix reduces reliance on a single revenue stream, supporting steadier earnings and cross-sell opportunities through economic cycles.
Negative Factors
Multi-period revenue decline
Sustained revenue declines signal weakening top-line momentum and slower loan or fee growth. Over months this erodes scale benefits, constrains cross-sell and limits the bank's ability to grow earnings and build capital organically without structural strategy shifts.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified revenue mix
The bank's business model spans net interest income plus fee-based businesses (payments, wealth management, custody) and trading. This structural mix reduces reliance on a single revenue stream, supporting steadier earnings and cross-sell opportunities through economic cycles.
Read all positive factors
China Everbright Bank Co (6818) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$206.09B
Dividend Yield5.53%
Average Volume (3M)15.91M
Price to Earnings (P/E)3.5
Beta (1Y)0.58
Revenue Growth-8.41%
EPS Growth-5.52%
CountryHK
Employees47,982
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.39
Shares Outstanding12,678,735,000
10 Day Avg. Volume20,923,385
30 Day Avg. Volume15,913,576
Financial Highlights & Ratios
PEG Ratio-0.31
Price to Book (P/B)0.36
Price to Sales (P/S)0.89
P/FCF Ratio1.41
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
HK$3.26Price Target Upside2.52% Upside
Rating ConsensusModerate Sell
Number of Analyst Covering1
EPS Forecast (FY)0.61
Revenue Forecast (FY)HK$128.23B
China Everbright Bank Co Business Overview & Revenue Model
Company Description
China Everbright Bank Company Limited provides a range of financial products and services to corporations and government agencies, retail customers, and individuals in Mainland China, Hong Kong, Luxembourg, Seoul, and Sydney. The company operates ...
How the Company Makes Money
China Everbright Bank primarily makes money through (1) net interest income and (2) non-interest income. Net interest income is generated from the spread between interest earned on interest-bearing assets (such as corporate loans, personal loans, ...
China Everbright Bank Co Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
52
Neutral
Cash Flow
55
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 181.51B | 245.37B | 272.74B | 288.98B | 279.35B | 270.02B |
| Gross Profit | 88.09B | 126.31B | 135.40B | 145.65B | 151.69B | 152.84B |
| EBITDA | 34.52B | 56.08B | 57.93B | 56.07B | 61.93B | 58.39B |
| Net Income | 25.32B | 38.83B | 41.70B | 40.79B | 44.81B | 43.41B |
Balance Sheet | ||||||
| Total Assets | 7.18T | 7.17T | 6.96T | 6.77T | 6.30T | 5.90T |
| Cash, Cash Equivalents and Short-Term Investments | 310.87B | 1.09T | 517.56B | 538.28B | 525.66B | 574.23B |
| Total Debt | 2.36T | 1.55T | 293.05B | 1.30T | 1.07T | 953.89B |
| Total Liabilities | 6.64T | 6.56T | 6.37T | 6.22T | 5.79T | 5.42T |
| Stockholders Equity | 532.64B | 604.80B | 587.70B | 552.39B | 507.88B | 482.49B |
Cash Flow | ||||||
| Free Cash Flow | 123.24B | 155.40B | -214.20B | -8.77B | -61.06B | -117.59B |
| Operating Cash Flow | 127.01B | 162.91B | -204.80B | -3.61B | -56.40B | -112.24B |
| Investing Cash Flow | -49.01B | -103.90B | 123.68B | -205.82B | -103.09B | -93.41B |
| Financing Cash Flow | 77.59B | 52.73B | 85.00B | 196.02B | 70.57B | 286.04B |
China Everbright Bank Co Technical Analysis
Negative
3.18
Price Trends
3.18
Negative
3.28
Negative
3.35
Negative
Market Momentum
>-0.01
Negative
47.53
Neutral
38.10
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:6818, the sentiment is Negative. The current price of 3.18 is above the 20-day moving average (MA) of 3.16, above the 50-day MA of 3.18, and below the 200-day MA of 3.35, indicating a bearish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 47.53 is Neutral, neither overbought nor oversold. The STOCH value of 38.10 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:6818.
China Everbright Bank Co Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | HK$498.61B | 5.80 | 11.37% | 5.80% | -1.26% | 4.94% | |
70 Outperform | HK$484.37B | 4.85 | 9.18% | 5.76% | -3.89% | 2.20% | |
70 Outperform | HK$1.09T | 7.29 | 11.91% | 4.26% | -4.57% | 1.77% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | HK$647.34B | 5.09 | 8.09% | 5.37% | -0.97% | -13.82% | |
62 Neutral | HK$206.09B | 3.48 | 6.59% | 5.53% | -8.41% | -5.52% | |
54 Neutral | HK$174.25B | 3.10 | 4.59% | 9.09% | -8.22% | -2.28% |
* Financial Sector Average
HK:6818
China Everbright Bank Co
3.07
-0.40
-11.40%
HK:2388
BOC Hong Kong (Holdings)
47.16
15.60
49.43%
HK:1988
China Minsheng Banking
3.48
-0.28
-7.45%
HK:0998
China CITIC Bank
7.77
1.67
27.34%
HK:3968
China Merchants Bank Co
46.10
-0.27
-0.57%
HK:1658
Postal Savings Bank of China Co., Ltd. Class H
5.06
0.13
2.64%
China Everbright Bank Co Corporate Events
China Everbright Bank Files Unaudited First-Quarter 2026 Results With Governance Emphasis
Apr 29, 2026
China Everbright Bank Company Limited has released its unaudited first quarterly report for the period ended 31 March 2026, prepared under International Financial Reporting Standards and in compliance with Hong Kong listing and securities regulati...
China Everbright Bank Sets Board Meeting to Approve Q1 2026 Results
Apr 17, 2026
China Everbright Bank has scheduled a board meeting for 29 April 2026 to review and approve its first-quarter results for the three months ended 31 March 2026. The meeting will also address other unspecified matters, signaling the next key disclos...
China Everbright Bank Confirms Asset Scale Across Nationwide Branch Network
Apr 1, 2026
China Everbright Bank has clarified the scale of its branch outlet network and confirmed the total assets attributed to these outlets in its latest annual results disclosure. The bank detailed that its branches, excluding subsidiaries, span key re...
China Everbright Bank Announces 2025 Results and RMB4.136 Billion Final Dividend Plan
Mar 30, 2026
China Everbright Bank has released its audited annual results for the year ended 31 December 2025 and plans to publish the full 2025 Annual Report in April 2026 on its corporate and stock exchange websites. The bank has prepared parallel Chinese r...
China Everbright Bank Proposes Final 2025 Dividend with Currency Option for H-Shareholders
Mar 30, 2026
China Everbright Bank Company Limited has proposed a final ordinary cash dividend of RMB 0.7 per 10 shares for the financial year ended 31 December 2025, with payment scheduled for 20 August 2026 to shareholders on a record date yet to be announce...
China Everbright Bank Sets Board Meeting to Review 2025 Results and Final Dividend
Mar 18, 2026
China Everbright Bank Company Limited has announced that its board of directors will convene on 30 March 2026 to review and consider approval of the bank’s annual results for the financial year ended 31 December 2025. At the same meeting, th...
China Everbright Bank Gains Regulatory Nod for New Independent Directors
Mar 13, 2026
China Everbright Bank has received regulatory approval from the National Financial Regulatory Administration for the appointment qualifications of Hu Xiang and Li Yingqi as independent non-executive directors. Their terms of office, including comm...
China Everbright Bank Details Board and Committee Structure
Mar 13, 2026
China Everbright Bank has announced the current composition of its board of directors, naming Wu Lijun as chairman and Cui Yong as vice chairman, alongside executive, non-executive, and independent non-executive directors. The disclosure outlines ...
China Everbright Bank Completes RMB35 Billion Preference Share Redemption and Delisting
Feb 12, 2026
China Everbright Bank Company Limited has completed the full redemption and delisting of its third tranche of preference shares, originally issued non-publicly in July 2019 with a total size of RMB35 billion. The move reflects the bank’s cap...
China Everbright Bank Reshuffles Joint Company Secretary Roles to Bolster Hong Kong Governance
Feb 11, 2026
China Everbright Bank has reshuffled its Hong Kong corporate governance team, appointing experienced corporate secretarial professional Ms. Yeung Siu Wai Kitty as Joint Company Secretary and process agent with immediate effect, succeeding Ms. Lee ...
China Everbright Bank Secures Regulatory Approval for New Non-Executive Director
Feb 6, 2026
China Everbright Bank has received regulatory approval from China’s National Financial Regulatory Administration confirming the appointment qualification of Ms. Zhao Jingjing as a non-executive director. With this approval effective from 4 F...
China Everbright Bank Sets Out Board Composition and Committee Roles
Feb 6, 2026
China Everbright Bank Company Limited has announced the current composition of its board of directors, headed by Chairman and non-executive director Wu Lijun and Vice Chairman and non-executive director Cui Yong, alongside a slate of executive, no...
China Everbright Bank to Redeem and Delist RMB35 Billion Third Tranche of Preference Shares
Feb 5, 2026
China Everbright Bank Company Limited has announced it will fully redeem and delist its third tranche of domestic preference shares, consisting of 350 million shares with a nominal value of RMB100 each, totaling RMB35 billion. The board exercised ...
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.