China Everbright Bank Co (6818) AI Stock Analysis

• Market Cap: $217.60B
• Dividend Yield: 5.65%
• Average Volume (3M): 15.91M
• Price to Earnings (P/E): 4.7
• 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: 11.36
• Enterprise Value/Revenue: 9.52
• Enterprise Value/Gross Profit: 18.79
• Enterprise Value/Ebitda: 47.22
• 1Y Price Target: $3.58
• Price Target Upside: -3.74% 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 ▲(7.53% 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: 3.72
• 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 3.72 is above the 20-day moving average (MA) of 3.61, above the 50-day MA of 3.43, and above the 200-day MA of 3.47, indicating a bullish trend. The MACD of 0.09 indicates Positive momentum. The RSI at 53.76 is Neutral, neither overbought nor oversold. The STOCH value of 41.18 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	$408.11B	10.12	12.04%	6.16%	1.90%	12.81%
1658	77 Outperform	HK$728.76B	6.53	9.30%	5.33%	-1.54%	-3.95%
0011	76 Outperform	$284.12B	19.89	9.20%	4.66%	4.44%	-15.39%
6818	72 Outperform	$217.60B	4.68	―	5.65%	-8.41%	-5.52%
1988	72 Outperform	$191.53B	5.89	5.16%	8.20%	-7.28%	-5.00%
0998	69 Neutral	$452.95B	5.32	9.71%	5.45%	-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

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.

The most recent analyst rating on (HK:6818) stock is a Hold with a HK$3.50 price target. To see the full list of analyst forecasts on China Everbright Bank Co stock, see the HK:6818 Stock Forecast page.

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.

The most recent analyst rating on (HK:6818) stock is a Hold with a HK$3.50 price target. To see the full list of analyst forecasts on China Everbright Bank Co stock, see the HK:6818 Stock Forecast page.

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.

The most recent analyst rating on (HK:6818) stock is a Hold with a HK$3.50 price target. To see the full list of analyst forecasts on China Everbright Bank Co stock, see the HK:6818 Stock Forecast page.

China Everbright Bank Co Class H: Steady Growth Amid Challenges

China Everbright Bank Co Class H is a prominent financial institution operating in the banking sector, known for its comprehensive financial services and robust market presence. The latest earnings report highlights a stable financial performance with a focus on risk management and strategic asset allocation. Key financial metrics indicate a net profit increase, with significant contributions from interest and investment income, despite challenges in the global economic landscape. The bank’s strategic focus on credit analysis and market trends has bolstered its asset growth and profitability. Looking forward, the management remains cautiously optimistic about maintaining steady growth, leveraging its strong market position and diversified financial offerings.

China Everbright Bank Releases 2025 Interim Results

China Everbright Bank Co. announced its unaudited interim results for the first half of 2025, prepared in accordance with PRC GAAP and IFRS standards. The financial statements have been reviewed by KPMG, ensuring their authenticity and accuracy. The company plans to devise a specific interim profit distribution plan, which will be implemented following corporate governance procedures. The announcement highlights the bank’s commitment to transparency and adherence to regulatory standards, potentially impacting its market positioning and stakeholder confidence.

The most recent analyst rating on (HK:6818) stock is a Hold with a HK$3.40 price target. To see the full list of analyst forecasts on China Everbright Bank Co stock, see the HK:6818 Stock Forecast page.

China Everbright Bank Schedules Board Meeting to Review Interim Results

China Everbright Bank Co announced a board meeting scheduled for August 29, 2025, to review and potentially approve the interim results for the first half of 2025. This meeting is significant as it will address the company’s financial performance, which could impact its market positioning and stakeholder interests.

The most recent analyst rating on (HK:6818) stock is a Hold with a HK$2.60 price target. To see the full list of analyst forecasts on China Everbright Bank Co stock, see the HK:6818 Stock Forecast page.

China Everbright Bank Co. Reports Strong Shareholder Support at 2025 Extraordinary General Meeting

China Everbright Bank Co. held its 2025 Second Extraordinary General Meeting on July 29, 2025, in Beijing, where significant shareholder participation was noted with a total of 1,305 shareholders and proxies attending, representing 67.1674% of the company’s voting shares. The meeting adhered to legal and regulatory requirements, with resolutions passed without opposition, indicating strong shareholder support and compliance with governance standards.

The most recent analyst rating on (HK:6818) stock is a Hold with a HK$2.40 price target. To see the full list of analyst forecasts on China Everbright Bank Co stock, see the HK:6818 Stock Forecast page.