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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
Profitability & Margins
Sustained net and EBIT margins indicate resilient core lending and fee economics that support earnings through cycles. Durable margins provide a buffer against rising credit costs, enable reinvestment in products and distribution, and underpin long-term shareholder returns.
Negative Factors
Multi-period Revenue Decline
Sustained revenue declines over multiple periods signal weakening top-line momentum and pressure on NII and fee growth. Persistent shrinkage reduces scale benefits, constrains margin expansion, and limits the bank's ability to grow earnings absent structural improvements.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability & Margins
Sustained net and EBIT margins indicate resilient core lending and fee economics that support earnings through cycles. Durable margins provide a buffer against rising credit costs, enable reinvestment in products and distribution, and underpin long-term shareholder returns.
Read all positive factors
China Everbright Bank Co (6818) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$198.62B
Dividend Yield5.53%
Average Volume (3M)15.91M
Price to Earnings (P/E)5.0
Beta (1Y)0.58
Revenue Growth-8.64%
EPS Growth-10.39%
CountryHK
Employees47,982
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.59
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)0.6
Revenue Forecast (FY)HK$126.43B
China Everbright Bank Co Business Overview & Revenue Model
Company Description
China Everbright Bank Company Limited operates as a financial institution, delivering an extensive array of financial solutions and products to a diverse clientele. Its services cater to corporate entities, government bodies, retail customers, and...
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 | 239.80B | 245.37B | 272.74B | 288.98B | 279.35B | 270.02B |
| Gross Profit | 114.28B | 126.31B | 135.40B | 145.65B | 151.69B | 152.84B |
| EBITDA | 50.37B | 56.08B | 57.93B | 56.07B | 61.93B | 58.39B |
| Net Income | 37.71B | 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 | 157.92B | 155.40B | -214.20B | -8.77B | -61.06B | -117.59B |
| Operating Cash Flow | 164.29B | 162.91B | -204.80B | -3.61B | -56.40B | -112.24B |
| Investing Cash Flow | -180.03B | -103.90B | 123.68B | -205.82B | -103.09B | -93.41B |
| Financing Cash Flow | 54.37B | 52.73B | 85.00B | 196.02B | 70.57B | 286.04B |
China Everbright Bank Co Technical Analysis
Negative
3.18
Price Trends
3.17
Negative
3.22
Negative
3.30
Negative
Market Momentum
<0.01
Positive
41.51
Neutral
8.20
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 3.24, above the 50-day MA of 3.17, and below the 200-day MA of 3.30, indicating a bearish trend. The MACD of <0.01 indicates Positive momentum. The RSI at 41.51 is Neutral, neither overbought nor oversold. The STOCH value of 8.20 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 |
|---|---|---|---|---|---|---|---|
71 Outperform | HK$481.70B | 11.47 | 11.37% | 5.80% | -1.26% | 4.94% | |
70 Outperform | HK$436.34B | 5.57 | 9.18% | 5.76% | -3.89% | 2.20% | |
69 Neutral | HK$1.06T | 6.28 | 11.91% | 4.26% | -2.89% | 3.99% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | HK$633.49B | 6.78 | 8.09% | 5.37% | -0.97% | -13.82% | |
62 Neutral | HK$198.62B | 5.03 | 6.59% | 5.53% | -8.64% | -10.39% | |
54 Neutral | HK$161.24B | 4.94 | 4.59% | 9.09% | -8.22% | -2.28% |
* Financial Sector Average
HK:6818
China Everbright Bank Co
2.98
-0.72
-19.48%
HK:2388
BOC Hong Kong (Holdings)
43.60
11.13
34.29%
HK:1988
China Minsheng Banking
3.17
-1.05
-24.93%
HK:0998
China CITIC Bank
6.78
-0.29
-4.17%
HK:3968
China Merchants Bank Co
44.98
-6.55
-12.72%
HK:1658
Postal Savings Bank of China Co., Ltd. Class H
4.76
-0.62
-11.52%
China Everbright Bank Co Corporate Events
China Everbright Bank Sets Final 2025 Dividend and Dividend Timetable
Jun 8, 2026
China Everbright Bank has declared 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. Shareholders will have the option to receive the dividend in Hong ...
China Everbright Bank Sets 2025 AGM and Proposes RMB10.34 Billion Dividend
Jun 8, 2026
China Everbright Bank has called its 2025 annual general meeting for 29 June 2026 in Beijing, where shareholders will review the 2025 board work report, audited financial accounts and profit distribution plan, as well as vote on auditors, director...
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...
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.