Executive Summary
Guangzhou Rural Commercial Bank Co., Ltd.
Snowflake
Fundamentals
Flawless balance sheet and good value.
Similar Companies
Share Price & News
How has Guangzhou Rural Commercial Bank's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
-2.2%
1551
1.2%
HK Banks
0.9%
HK Market
1 Year Return
-27.3%
1551
-4.5%
HK Banks
0.6%
HK Market
Return vs Industry: 1551 underperformed the Hong Kong Banks industry which returned -4.5% over the past year.
Return vs Market: 1551 underperformed the Hong Kong Market which returned 0.6% over the past year.
Shareholder returns
| 1551 | Industry | Market | |
|---|---|---|---|
| 7 Day | -2.2% | 1.2% | 0.9% |
| 30 Day | -5.9% | 1.9% | 0.5% |
| 90 Day | -17.7% | -2.9% | -4.3% |
| 1 Year | -23.6%-27.3% | 0.5%-4.5% | 4.2%0.6% |
| 3 Year | n/a | 17.0%0.8% | 15.6%4.0% |
| 5 Year | n/a | 30.4%-0.07% | 20.0%-0.08% |
Price Volatility Vs. Market
How volatile is Guangzhou Rural Commercial Bank's share price compared to the market and industry in the last 5 years?
Simply Wall St News
4 days ago | Simply Wall St
Did Changing Sentiment Drive Guangzhou Rural Commercial Bank's (HKG:1551) Share Price Down By 28%?1 month ago | Simply Wall St
Is Guangzhou Rural Commercial Bank Co., Ltd.'s (HKG:1551) 5.6% Dividend Worth Your Time?2 months ago | Simply Wall St
What Kind Of Shareholder Owns Most Guangzhou Rural Commercial Bank Co., Ltd. (HKG:1551) Stock?Valuation
Is Guangzhou Rural Commercial Bank undervalued compared to its fair value and its price relative to the market?
>50%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: 1551 (HK$3.54) is trading below our estimate of fair value (HK$8.06)
Significantly Below Fair Value: 1551 is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: 1551 is good value based on its PE Ratio (4.6x) compared to the Banks industry average (5.8x).
PE vs Market: 1551 is good value based on its PE Ratio (4.6x) compared to the Hong Kong market (10.3x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate 1551's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: 1551 is overvalued based on its PB Ratio (0.6x) compared to the HK Banks industry average (0.5x).
Next Steps
Future Growth
How is Guangzhou Rural Commercial Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
5.7%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 1551's forecast earnings growth (5.7% per year) is above the savings rate (2%).
Earnings vs Market: 1551's earnings (5.7% per year) are forecast to grow slower than the Hong Kong market (11.3% per year).
High Growth Earnings: 1551's earnings are forecast to grow, but not significantly.
Revenue vs Market: Insufficient data to determine if 1551's revenue is forecast to grow faster than the Hong Kong market.
High Growth Revenue: Insufficient data to determine if 1551's revenue is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if 1551's Return on Equity is forecast to be high in 3 years time
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Past Performance
How has Guangzhou Rural Commercial Bank performed over the past 5 years?
6.8%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: 1551's earnings have grown by 6.8% per year over the past 5 years.
Accelerating Growth: 1551's earnings growth over the past year (6.1%) is below its 5-year average (6.8% per year).
Earnings vs Industry: 1551 earnings growth over the past year (6.1%) exceeded the Banks industry 5.2%.
Return on Equity
High ROE: 1551's Return on Equity (10.2%) is considered low.
Return on Assets
ROA vs Industry: 1551 has a higher Return on Assets than the Banks industry average last year.
Return on Capital Employed
ROCE Improving: Insufficient data to calculate 1551's Return on Capital Employed to determine if it has improved over the past 3 years.
Next Steps
Financial Health
How is Guangzhou Rural Commercial Bank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Inventory Level: 1551 has a low level of unsold assets or inventory.
Debt Coverage by Assets: 1551's debt is covered by short term assets (assets are 2.661920x debt).
Financial Institutions Analysis
Asset Level: 1551's level of assets compared to its equity is moderate.
Allowance for Bad Loans: 1551 has a sufficient allowance for bad loans.
Low Risk Liabilities: 1551's liabilities are made up of primarily low risk sources of funding.
Loan Level: 1551 has an acceptable proportion of non-loan assets held.
Low Risk Deposits: 1551's loans are broadly funded by customer deposits.
Level of Bad Loans: 1551 has an appropriate level of bad loans (1.4%)
Next Steps
Dividend
What is Guangzhou Rural Commercial Bank's current dividend yield, its reliability and sustainability?
6.26%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: 1551's dividend (6.26%) is higher than the bottom 25% of dividend payers in the Hong Kong market (2.27%).
High Dividend: 1551's dividend (6.26%) is in the top 25% of dividend payers in the Hong Kong market (6.25%)
Stable Dividend: Too early to tell whether 1551's dividend payments have been stable as they only just started paying a dividend.
Growing Dividend: Too early to tell if 1551's dividend payments are increasing as they only just started paying a dividend.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (28.9%), 1551's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
Next Steps
Management
What is the CEO of Guangzhou Rural Commercial Bank's salary, the management and board of directors tenure and is there insider trading?
5.3yrs
Average management tenure
CEO
Xuefei Yi (52yo)
6.3yrs
Tenure
CN¥1,150,000
Compensation
Xuefei Yi has over 20 years of experience in banking business operation and management. He joined Guangzhou Rural Commercial Bank Co., Ltd. (the "Bank") in March 2006 and had served as Deputy Director of G ...
CEO Compensation Analysis
Compensation vs. Market: Insufficient data to establish whether Xuefei's total compensation is reasonable compared to companies of similar size in the Hong Kong market.
Compensation vs Earnings: Xuefei's compensation has been consistent with company performance over the past year.
Management Age and Tenure
5.3yrs
Average Tenure
48yo
Average Age
Experienced Management: 1551's management team is seasoned and experienced (5.3 years average tenure).
Board Age and Tenure
5.4yrs
Average Tenure
56yo
Average Age
Experienced Board: 1551's board of directors are considered experienced (5.4 years average tenure).
Insider Trading
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Management Team
Xuefei Yi (52yo)
Vice Chairman & President
- Tenure: 6.3yrs
- Compensation: CN¥1.15m
Jianming Chen (58yo)
Vice President
- Tenure: 9.8yrs
Zhijun Peng (51yo)
VP, Chief Risk Officer & Head of Finance Function
- Tenure: 2.9yrs
Linjun Chen (47yo)
Business Director
- Tenure: 6yrs
Qianhong Chen (46yo)
Business Director
- Tenure: 6yrs
Dong Zhang (49yo)
Vice President
- Tenure: 2.8yrs
Xuan Yang (43yo)
Business Director
- Tenure: 4.7yrs
Bin Ding
Head of Financial Department
- Tenure: 0yrs
Jiaxiong Lai (44yo)
GM of Compliance & Legal Affairs Department and Supervisor
- Tenure: 0.8yrs
Huiran Cai
Chief Information Officer
- Tenure: 0.7yrs
Board Members
Shaobo Liu (59yo)
Independent Non-Executive Director
- Tenure: 5.4yrs
- Compensation: CN¥255.00k
Xigui Wang (53yo)
Chairman of the Supervisory Board
- Tenure: 0.8yrs
Zhigang Su (61yo)
Non-Executive Director
- Tenure: 9.8yrs
- Compensation: CN¥63.00k
Kelin Zhu (57yo)
Non-Executive Director
- Tenure: 9.8yrs
- Compensation: CN¥105.00k
Xuefei Yi (52yo)
Vice Chairman & President
- Tenure: 6.3yrs
- Compensation: CN¥1.15m
Fangjin Li (57yo)
Non-Executive Director
- Tenure: 5.4yrs
- Compensation: CN¥93.00k
Yongming Zhang (47yo)
Non-Executive Director
- Tenure: 5.4yrs
- Compensation: CN¥93.00k
Jianbiao Zheng (55yo)
Independent Non-Executive Director
- Tenure: 5.4yrs
- Compensation: CN¥202.00k
Guanghui Song (58yo)
Independent Non-Executive Director
- Tenure: 5.4yrs
- Compensation: CN¥394.00k
Jiaxiong Lai (44yo)
GM of Compliance & Legal Affairs Department and Supervisor
- Tenure: 0.8yrs
Company Information
Guangzhou Rural Commercial Bank Co., Ltd.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: Guangzhou Rural Commercial Bank Co., Ltd.
- Ticker: 1551
- Exchange: SEHK
- Founded: 1951
- Industry: Regional Banks
- Sector: Banks
- Market Cap: HK$35.310b
- Shares outstanding: 9.81b
- Website: https://www.grcbank.com
Location
- Guangzhou Rural Commercial Bank Co., Ltd.
- No.1 Huaxia Road
- Pearl River New Town
- Guangzhou
- Guangdong Province
- 510623
- China
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| 1551 | SEHK (The Stock Exchange of Hong Kong Ltd.) | Yes | Foreign Shares-Foreign Listed | HK | HKD | Jun 2017 |
Biography
Guangzhou Rural Commercial Bank Co., Ltd. provides banking and related financial products and services. It operates through four segments: Corporate Banking, Retail Banking, Financial Market Business, and ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/10/21 12:59 |
| End of Day Share Price | 2019/10/21 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.