China Everbright Bank Co (6818) AI Stock Analysis

• Market Cap: HK$229.64B
• Dividend Yield: 5.54%
• Average Volume (3M): 15.91M
• Price to Earnings (P/E): 5.2
• Beta (1Y): 0.60
• Revenue Growth: -8.41%
• EPS Growth: -5.52%
• Country: HK
• Employees: 47,982
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.19
• Shares Outstanding: 12,678,735,000
• 10 Day Avg. Volume: 20,923,385
• 30 Day Avg. Volume: 15,913,576
• PEG Ratio: 0.25
• Price to Book (P/B): 0.29
• Price to Sales (P/S): 1.77
• P/FCF Ratio: -0.78
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: HK$3.58
• Price Target Upside: -3.52% Downside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: HK$4.00 ▲(7.82% Upside)

The overall stock score of 72 reflects strong valuation metrics and positive technical indicators, supported by solid financial performance. However, high leverage and potential overbought technical conditions are risks to monitor.

Positive Factors

Cash Generation

The remarkable growth in free cash flow indicates strong cash generation capabilities, providing the company with flexibility for reinvestment and debt management.

Revenue Growth

Consistent revenue growth suggests expanding market reach and product adoption, supporting long-term business sustainability and competitiveness.

Profit Margins

Strong profit margins indicate efficient cost management and pricing power, contributing to sustained profitability and competitive advantage.

Negative Factors

High Leverage

Significant leverage poses risks to financial stability, potentially limiting the company's ability to invest in growth opportunities and manage economic downturns.

Operational Efficiency

Lower operational efficiency suggests potential challenges in cost management and resource allocation, which could impact profitability and competitive positioning.

Revenue Decline

A decline in revenue growth raises concerns about the company's ability to maintain its market position and adapt to changing market conditions, affecting long-term prospects.

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 through Corporate Banking, Retail Banking, Financial Market Business, and Others segments. It offers demand, time, pledged, notice, RMB general and intelligent agreement, structured, and other deposits, as well as certificates of deposit; working capital, fixed asset, project financing, syndicated, entrusted, auto, and other loans; personal loans and advances; overdraft facilities; and credit and debit cards. The company also provides bills acceptance, investment banking, trade finance, agency, cash management, financial consulting and advisory, remittance and settlement, guarantee, wealth management, securities agency, inter-bank money market transactions and investment, repurchase transactions, equity investment and related, leasing, capital market, asset management, treasury, custody, and other financial services, as well as online, mobile, and private banking services. In addition, it trades in debt securities, derivatives, and foreign currency accounts. As of December 31, 2021, it operated 1,304 branches and outlets covering 150 economic center cities across the country. The company was founded in 1992 and is headquartered in Beijing, China.

How the Company Makes Money

China Everbright Bank generates revenue primarily through interest income from loans and advances to customers, which constitutes a significant portion of its earnings. It charges interest on various loan products, including personal loans, mortgages, and corporate loans. Additionally, the bank earns fee-based income from services such as account management, credit card transactions, and wealth management advisory services. Investment income from trading securities and structured products also contributes to the bank's revenue. Strategic partnerships with other financial institutions and participation in government-sponsored programs further enhance its earning potential. The bank's focus on digital banking solutions and technological innovations may also play a role in attracting new customers and retaining existing ones, thereby boosting overall profitability.

China Everbright Bank Co Financial Statement Overview

Summary

China Everbright Bank Co exhibits strong revenue growth and profitability, supported by a robust cash flow position. However, high leverage and operational efficiency are areas that require attention to ensure long-term financial stability.

Income Statement

The income statement shows a strong revenue growth rate of 22.3% in the TTM period, indicating a positive trajectory. The gross profit margin is healthy at 65.9%, and the net profit margin is solid at 22.4%. However, the EBIT and EBITDA margins are relatively lower, suggesting room for improvement in operational efficiency.

Balance Sheet

The balance sheet reflects a high debt-to-equity ratio of 2.35, indicating significant leverage, which could pose risks. However, the return on equity is reasonable at 7.1%, and the equity ratio is stable, suggesting a balanced asset structure.

Cash Flow

Cash flow analysis reveals a remarkable free cash flow growth rate of 10472.96% in the TTM period, demonstrating strong cash generation capabilities. However, the operating cash flow to net income ratio is low at 0.03, indicating potential challenges in converting income into cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	259.62B	272.74B	288.98B	279.35B	270.02B	253.35B
Gross Profit	131.52B	135.40B	145.65B	151.69B	152.84B	142.58B
EBITDA	52.34B	57.93B	56.07B	61.93B	58.39B	50.48B
Net Income	41.83B	41.70B	40.79B	44.81B	43.41B	37.84B
Balance Sheet
Total Assets	7.24T	6.96T	6.77T	6.30T	5.90T	5.37T
Cash, Cash Equivalents and Short-Term Investments	621.98B	517.56B	538.28B	525.66B	574.23B	484.99B
Total Debt	1.40T	293.05B	1.30T	1.07T	953.89B	613.51B
Total Liabilities	6.64T	6.37T	6.22T	5.79T	5.42T	4.91T
Stockholders Equity	594.53B	587.70B	552.39B	507.88B	482.49B	453.45B
Cash Flow
Free Cash Flow	145.06B	-214.20B	-8.77B	-61.06B	-117.59B	110.30B
Operating Cash Flow	154.61B	-204.80B	-3.61B	-56.40B	-112.24B	117.16B
Investing Cash Flow	-64.72B	123.68B	-205.82B	-103.09B	-93.41B	-173.56B
Financing Cash Flow	-8.96B	85.00B	196.02B	70.57B	286.04B	86.76B

China Everbright Bank Co Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3.71
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:6818, the sentiment is Positive. The current price of 3.71 is above the 20-day moving average (MA) of 3.69, above the 50-day MA of 3.53, and above the 200-day MA of 3.50, indicating a bullish trend. The MACD of 0.04 indicates Positive momentum. The RSI at 57.23 is Neutral, neither overbought nor oversold. The STOCH value of 69.57 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:6818.

China Everbright Bank Co Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
2388	78 Outperform	HK$405.36B	10.05	12.04%	5.97%	1.90%	12.81%
1658	77 Outperform	HK$682.86B	6.22	9.30%	5.36%	-1.54%	-3.95%
0011	76 Outperform	HK$287.68B	20.14	9.20%	4.62%	4.44%	-15.39%
6818	72 Outperform	HK$229.64B	5.20	―	5.54%	-8.41%	-5.52%
1988	72 Outperform	HK$186.95B	5.71	5.16%	8.87%	-7.28%	-5.00%
0998	69 Neutral	HK$438.95B	5.05	9.71%	5.71%	-5.46%	0.33%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

China Everbright Bank Co Corporate Events

CITIC FAMC Increases Stake in China Everbright Bank

China Everbright Bank Co., Ltd. announced that CITIC Financial Asset Management Co., Ltd. has increased its shareholding in the company by 1%, raising its stake from 8% to 9%. This change, achieved through centralized bidding, does not trigger a tender offer or alter the controlling shareholder status, and reflects CITIC FAMC’s strategic interest in the bank, potentially enhancing its influence and investment returns.

China Everbright Bank Announces Interim Dividend for 2025

China Everbright Bank Co. has announced an interim cash dividend of RMB 1.05 per 10 shares for the six months ending June 30, 2025. The announcement outlines the dividend’s payment details, including currency options and the fact that further specifics, such as the payment date and exchange rates, are yet to be announced. This move reflects the bank’s financial performance and commitment to providing shareholder value, potentially impacting investor perceptions and market positioning.

China Everbright Bank Concludes 2025 Extraordinary General Meeting with Key Resolutions Passed

China Everbright Bank Co., Ltd. held its 2025 Third Extraordinary General Meeting, where resolutions were passed with a significant shareholder turnout. The meeting, chaired by Mr. Wu Lijun, complied with legal and regulatory requirements, and saw participation from directors, supervisors, and senior management, indicating strong governance and stakeholder engagement.

China Everbright Bank Announces 2025 Interim Profit Distribution Plan

China Everbright Bank Co., Ltd. has announced its interim profit distribution plan for 2025, with the board approving cash dividends of RMB1.05 per 10 shares to ordinary shareholders, totaling RMB6,204 million. This distribution accounts for over 25% of the company’s net profit for the first half of 2025, reflecting a strong financial performance and commitment to shareholder returns.

China Everbright Bank Co. Announces New Board Leadership and Committee Composition

China Everbright Bank Co. has announced the election of its new Chairman, Mr. Wu Lijun, and Vice Chairman, Mr. Cui Yong, for the tenth session of its Board of Directors. The company also detailed the composition of various board committees, which will impact its strategic direction and governance. These appointments, pending regulatory approval, are expected to influence the bank’s operational and strategic initiatives, potentially affecting stakeholders and market positioning.

China Everbright Bank Schedules Board Meeting to Discuss Interim Dividends

China Everbright Bank Company Limited has announced a board meeting scheduled for November 14, 2025, to discuss and potentially approve the payment of interim dividends for the year 2025. This meeting could have implications for the company’s financial strategy and shareholder returns, reflecting its ongoing operational decisions and market positioning.

China Everbright Bank Releases Q3 2025 Financial Results

China Everbright Bank Company Limited announced its unaudited financial results for the third quarter of 2025, prepared under International Financial Reporting Standards. The report, approved by the board of directors, highlights the bank’s commitment to transparency and accuracy in financial reporting, which is crucial for maintaining stakeholder trust and ensuring compliance with regulatory requirements.

China Everbright Bank Announces 2025 Extraordinary General Meeting

China Everbright Bank Co., Ltd. has announced the convening of its 2025 third extraordinary general meeting to be held in Beijing. The meeting will address several key resolutions, including the approval of credit lines for related entities and the election of directors for the tenth session of the Board of Directors. This meeting is crucial for the company’s governance and strategic direction, impacting its operational and leadership structure.

China Everbright Bank Announces Closure of Register for Upcoming EGM

China Everbright Bank Company Limited has announced the closure of its register of members for H shares from November 11 to November 14, 2025, to determine eligibility for attending its third extraordinary general meeting scheduled for November 14, 2025. This meeting is significant for stakeholders as it will involve discussions on resolutions that could impact the company’s future operations and strategic direction.

China Everbright Bank Schedules Board Meeting for Q3 Results

China Everbright Bank Company Limited has announced a board meeting scheduled for October 30, 2025, to review and potentially approve the company’s third-quarter financial results for the period ending September 30, 2025. This meeting is significant as it will provide insights into the bank’s financial performance and strategic direction, impacting stakeholders and potentially influencing the company’s market positioning.

China Everbright Bank Proposes New Board Members for Tenth Session

China Everbright Bank Co. has announced the proposed election of members for the tenth session of its Board of Directors following the expiration of the ninth session. Several directors will retire and not seek re-election, with new appointments proposed for non-executive, executive, and independent non-executive director roles. This transition is expected to bring fresh perspectives to the board, potentially impacting the bank’s strategic direction and governance.