China Everbright Bank Co (6818) AI Stock Analysis

• Market Cap: HK$268.96B
• Dividend Yield: 4.7%
• Average Volume (3M): 19.11M
• Price to Earnings (P/E): 5.5
• Beta (1Y): 0.64
• Revenue Growth: -8.15%
• EPS Growth: -3.68%
• Country: HK
• Employees: 47,982
• Sector: Financial
• Sector Strength: 75
• Industry: Banks - Regional
• EPS (TTM): 0.21
• Shares Outstanding: 12,678,735,000
• 10 Day Avg. Volume: 19,317,870
• 30 Day Avg. Volume: 19,111,320
• PEG Ratio: 4.31
• Price to Book (P/B): 0.49
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -6.33
• 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$2.83
• Price Target Upside: -28.65% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 73 Outperform
• Price Target: ―

China Everbright Bank demonstrates financial stability with strong equity and asset growth, though revenue and cash flow challenges persist. Technically, the stock shows a positive trend above key moving averages. Its low P/E ratio and high dividend yield enhance its appeal as a value investment. Overall, the stock presents a balanced opportunity with a need for improved cash flow management.

China Everbright Bank Co Business Overview & Revenue Model

Company Description

China Everbright Bank Co., Ltd. (CEB) is a commercial bank headquartered in Beijing, China. Established in 1992, CEB operates as a state-owned financial institution and is listed on both the Shanghai Stock Exchange and the Hong Kong Stock Exchange. The bank provides a wide range of financial services, including corporate banking, retail banking, investment banking, and wealth management. It serves a diverse clientele, ranging from individuals and small businesses to large corporations, offering products such as loans, deposits, credit cards, and asset management services.

How the Company Makes Money

China Everbright Bank makes money primarily by leveraging its extensive banking network to provide a variety of financial services. The bank's revenue model is centered around interest income from loans and advances, which constitutes a significant portion of its earnings. It also generates revenue through fees and commissions from services such as wealth management, credit card services, and transaction banking. Additionally, CEB engages in investment activities, deriving income from its trading and investment portfolios. The bank has established partnerships with various financial and non-financial institutions to enhance its service offerings and expand its customer base, contributing to its revenue growth. CEB's strategic focus on digital banking and innovation further supports its efforts to increase profitability and market share.

China Everbright Bank Co Financial Statement Overview

Summary

Overall, China Everbright Bank shows a stable financial base with strong equity and asset growth. However, challenges in revenue growth and cash flow generation need attention. The bank's ability to adjust financing and investing strategies reflects its adaptability, but sustaining profitability and improving cash flows are essential for long-term success.

Income Statement

China Everbright Bank has shown a mixed performance in terms of revenue and profitability. The gross profit margin remains healthy as it equals the total revenue, indicating no cost of goods sold. However, the net profit margin has fluctuated slightly, with a decrease in net income from 2022 to 2023. The revenue growth rate also shows inconsistency over the years, with a notable drop in 2023 compared to 2022. EBIT margin is unavailable for the latest period, which limits the analysis.

Balance Sheet

The bank maintains a solid equity base with a strong equity ratio, indicating financial stability. The debt-to-equity ratio has been effectively zero in the latest report, showing excellent leverage management. However, the return on equity has seen some decline, reflecting challenges in generating profits from equity. The bank's asset size has grown consistently, indicating positive growth trajectory.

Cash Flow

The cash flow analysis indicates potential challenges with negative free cash flow in recent years, particularly in 2023. The operating cash flow to net income ratio is negative, highlighting issues in cash generation from operating activities. Despite this, the bank has managed substantial cash and equivalents, showing its ability to maintain liquidity. Positive changes in investing and financing cash flows suggest strategic adjustments.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	135.40B	93.35B	151.69B	152.84B	142.48B
Gross Profit	135.40B	145.65B	151.69B	152.84B	142.48B
EBITDA	0.00	0.00	0.00	0.00	165.18B
Net Income	41.70B	40.79B	44.81B	43.41B	37.84B
Balance Sheet
Total Assets	6.96T	6.77T	6.30T	5.90T	5.37T
Cash, Cash Equivalents and Short-Term Investments	517.56B	538.28B	525.66B	574.23B	484.99B
Total Debt	0.00	1.30T	1.07T	953.89B	613.51B
Total Liabilities	6.37T	6.22T	1.07T	953.89B	613.51B
Stockholders Equity	587.70B	552.39B	507.88B	482.49B	453.45B
Cash Flow
Free Cash Flow	-214.20B	-8.77B	-61.06B	-117.59B	110.30B
Operating Cash Flow	-204.80B	-3.61B	-56.40B	-112.24B	117.16B
Investing Cash Flow	123.68B	-205.82B	-103.09B	-93.41B	-173.56B
Financing Cash Flow	85.00B	196.02B	70.57B	286.04B	86.76B

China Everbright Bank Co Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3.96
• 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 3.96 is above the 20-day moving average (MA) of 3.93, above the 50-day MA of 3.72, and above the 200-day MA of 3.03, indicating a bullish trend. The MACD of 0.08 indicates Positive momentum. The RSI at 57.32 is Neutral, neither overbought nor oversold. The STOCH value of 44.60 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
1288	82 Outperform	$2.38T	6.27	10.80%	5.01%	-0.43%	11.31%
0939	82 Outperform	HK$2.24T	5.79	10.81%	10.57%	-3.79%	-0.62%
3328	80 Outperform	$732.24B	5.66		11.57%	―	0.12%
1398	78 Outperform	$2.84T	5.60	9.72%	5.80%	-3.41%	-0.73%
3988	77 Outperform	$1.71T	5.41	9.57%	11.13%	6.59%	-0.89%
6818	73 Outperform	HK$268.96B	5.47		4.70%	-8.15%	-3.68%
Sector *	58 Neutral	HK$91.09B	5.21	-3.21%	5.20%	7.36%	-55.21%

China Everbright Bank Co Corporate Events

China Everbright Bank Releases Q1 2025 Financial Results

China Everbright Bank Company Limited announced its unaudited financial results for the first quarter of 2025, prepared under International Financial Reporting Standards. The report was approved by the Board of Directors, ensuring the authenticity and completeness of the financial statements, which are expressed in Renminbi.

China Everbright Bank Co. Announces Board Committee Changes

China Everbright Bank Co. announced a change in the composition of its Board of Directors’ committees, with Mr. Huang Zhenzhong being appointed to several key committees. This strategic move, effective immediately, is part of the bank’s ongoing efforts to strengthen its governance and enhance its focus on social responsibility and consumer rights, potentially impacting its operational efficiency and stakeholder relations.

China Everbright Bank Announces Board Composition and Roles

China Everbright Bank Co has announced the composition of its board of directors, highlighting the roles and functions of each member. This announcement provides insights into the governance structure of the bank, which is crucial for stakeholders to understand the strategic direction and management oversight within the company.

China Everbright Bank Appoints New Independent Director

China Everbright Bank Co. announced the approval of Mr. Huang Zhenzhong’s appointment as an Independent Non-executive Director by the National Financial Regulatory Administration. This appointment, effective as of April 10, 2025, is expected to enhance the governance structure of the bank, potentially impacting its strategic direction and stakeholder confidence positively.

China Everbright Bank to Review Q1 2025 Financial Results

China Everbright Bank Co has announced that its board of directors will meet on April 25, 2025, to review and potentially approve the company’s first-quarter results for the period ending March 31, 2025. This meeting is significant as it will provide insights into the company’s financial performance and strategic direction for the year, impacting stakeholders and potentially influencing the bank’s market positioning.

China Everbright Bank Completes Shareholding Increase Plan

China Everbright Bank Co. announced the completion of a shareholding increase plan by its controlling shareholder, Everbright Group. The plan, which aimed to enhance the group’s stake in the bank, resulted in an increase of 121,943,100 A shares, representing 0.21% of the total share capital. This move is intended to demonstrate confidence in the bank’s future prospects and support its high-quality development. The shareholding increase plan was executed in compliance with relevant laws and regulations and did not alter the controlling shareholder or the listing conditions of the company’s shares.

China Everbright Bank Announces Final Dividend for 2024

China Everbright Bank Co. has announced a final ordinary cash dividend of RMB 0.85 per 10 shares for the financial year ending December 31, 2024. The payment date for this dividend is set for August 15, 2025, with further details regarding the exchange rate, ex-dividend date, and other related information to be announced. This announcement reflects the company’s commitment to returning value to its shareholders and may influence investor sentiment and market positioning.

China Everbright Bank Announces 2024 Financial Results and Dividend Plan

China Everbright Bank Co. has announced its audited results for the year ending December 31, 2024, with the full annual report to be published in April 2025. The company plans to distribute final cash dividends amounting to RMB5.022 billion, subject to approval at the 2024 AGM, with payments expected around August 15, 2025.

China Everbright Bank Schedules Board Meeting to Discuss Annual Results and Dividend

China Everbright Bank Co. has announced a board meeting scheduled for March 28, 2025, to discuss and potentially approve the company’s annual results for the year ending December 31, 2024, and to consider the recommendation of a final dividend. This meeting is significant as it will address the company’s financial performance and potential shareholder returns, impacting its market positioning and stakeholder interests.