China Everbright Bank Co Ltd Class H (HK:6818)
:6818
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China Everbright Bank Co
(6818)
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Rating:57Neutral
Price Target:
HK$3.00
â–¼(-5.66% Downside)
Action:DowngradedDate:04/03/26
The score is held back primarily by financial consistency risks (volatile leverage and highly inconsistent operating/free cash flow) and a weak technical setup with the stock below major moving averages. These are partially offset by attractive valuation metrics, including a low P/E and a high dividend yield.
Positive Factors
Profitability and margins
Reported margins have remained relatively stable despite revenue headwinds, with net margin in the mid-teens and operating margin around 20%. Durable margins support internal capital generation, provide pricing flexibility across loan and fee products, and help the bank absorb cyclical credit shocks over the medium term.
Negative Factors
Revenue contraction
Two years of declining revenue erode scale advantages and constrain the bank's ability to expand margins via efficiency or product mix. Persistent top‑line weakness reduces reinvestment capacity, limits fee growth potential, and increases reliance on non‑core gains or higher risk lending to sustain earnings over time.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability and margins
Reported margins have remained relatively stable despite revenue headwinds, with net margin in the mid-teens and operating margin around 20%. Durable margins support internal capital generation, provide pricing flexibility across loan and fee products, and help the bank absorb cyclical credit shocks over the medium term.
Read all positive factors
China Everbright Bank Co (6818) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$206.60B
Dividend Yield5.53%
Average Volume (3M)15.91M
Price to Earnings (P/E)5.6
Beta (1Y)0.55
Revenue Growth-8.41%
EPS Growth-5.52%
CountryHK
Employees47,982
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.05
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$128.57B
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 net interest income and non-interest income generated across its banking franchises.
1) Net interest income (interest income minus interest expense): The bank earns interest on interest-bearing ...
China Everbright Bank Co Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
48
Neutral
Cash Flow
35
Negative
| Breakdown | Mar 2026 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 245.37B | 272.74B | 288.98B | 279.35B | 270.02B |
| Gross Profit | 126.31B | 135.40B | 145.65B | 151.69B | 152.84B |
| EBITDA | 56.08B | 57.93B | 56.07B | 61.93B | 58.39B |
| Net Income | 38.83B | 41.70B | 40.79B | 44.81B | 43.41B |
Balance Sheet | |||||
| Total Assets | 7.17T | 6.96T | 6.77T | 6.30T | 5.90T |
| Cash, Cash Equivalents and Short-Term Investments | 1.09T | 517.56B | 538.28B | 525.66B | 574.23B |
| Total Debt | 1.55T | 293.05B | 1.30T | 1.07T | 953.89B |
| Total Liabilities | 6.56T | 6.37T | 6.22T | 5.79T | 5.42T |
| Stockholders Equity | 604.80B | 587.70B | 552.39B | 507.88B | 482.49B |
Cash Flow | |||||
| Free Cash Flow | 155.40B | -214.20B | -8.77B | -61.06B | -117.59B |
| Operating Cash Flow | 162.91B | -204.80B | -3.61B | -56.40B | -112.24B |
| Investing Cash Flow | -103.90B | 123.68B | -205.82B | -103.09B | -93.41B |
| Financing Cash Flow | 52.73B | 85.00B | 196.02B | 70.57B | 286.04B |
China Everbright Bank Co Technical Analysis
Negative
3.18
Price Trends
3.27
Negative
3.38
Negative
3.44
Negative
Market Momentum
-0.06
Positive
30.75
Neutral
6.67
Positive
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 below the 20-day moving average (MA) of 3.22, below the 50-day MA of 3.27, and below the 200-day MA of 3.44, indicating a bearish trend. The MACD of -0.06 indicates Positive momentum. The RSI at 30.75 is Neutral, neither overbought nor oversold. The STOCH value of 6.67 is Positive, 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | HK$1.15T | 8.32 | 11.95% | 4.26% | -4.57% | 1.77% | |
71 Outperform | HK$456.53B | 10.39 | 11.77% | 5.80% | 1.90% | 12.81% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | HK$501.60B | 5.02 | 9.01% | 5.76% | -5.46% | 0.33% | |
57 Neutral | HK$206.60B | 5.64 | 6.61% | 5.53% | -8.41% | -5.52% | |
57 Neutral | HK$651.88B | 6.72 | 9.30% | 5.37% | -1.54% | -3.95% | |
52 Neutral | HK$180.84B | 5.60 | 4.68% | 9.09% | -7.28% | -5.00% |
* Financial Sector Average
HK:6818
China Everbright Bank Co
3.02
0.25
9.18%
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China Minsheng Banking
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0.50
15.79%
HK:0998
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2.54
47.21%
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China Merchants Bank Co
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27.62%
HK:1658
Postal Savings Bank of China Co., Ltd. Class H
4.93
0.64
14.92%
China Everbright Bank Co Corporate Events
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 ...
China Everbright Bank Sets Interim Dividend and Tax Terms for H-Share Investors
Jan 13, 2026
China Everbright Bank has declared an interim ordinary cash dividend of RMB 1.05 per 10 shares for the six months ended 30 June 2025, payable to H-share holders in either Hong Kong dollars or renminbi, with a default payment of HKD 1.16634268 per ...
China Everbright Bank Confirms High Turnout and Procedural Compliance at 2026 First EGM
Jan 13, 2026
China Everbright Bank Company Limited has announced that its 2026 first extraordinary general meeting was duly convened on 13 January 2026 in Beijing, with both onsite and online voting (for A share holders) and procedures in line with PRC company...
China Everbright Bank to Redeem RMB35 Billion Third Tranche of Preference Shares in February 2026
Jan 7, 2026
China Everbright Bank has announced that it will redeem in full the third tranche of its preference shares, a 350 million-share issue with a total size of RMB35 billion originally placed non-publicly in July 2019. Following unanimous board approva...
China Everbright Bank Details Board Composition and Committee Roles
Jan 6, 2026
China Everbright Bank has published an updated list of its board of directors and clarified their respective roles and functions across key board committees, including strategy, risk management, audit, nomination, remuneration, related-party trans...
China Everbright Bank Reshuffles Independent Board Seats as Liu Qiao Joins, Hong Yongmiao Departs
Jan 6, 2026
China Everbright Bank has appointed Liu Qiao as an Independent Non-executive Director of its tenth board session, along with roles on the Strategy, Nomination, Remuneration (as chairman) and Related Party Transactions Control committees, effective...
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.