| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 0/6 |
| Past Performance | 1/6 |
| Financial Health | 6/6 |
| Dividends | 2/6 |
1551 Stock Overview
Guangzhou Rural Commercial Bank Co., Ltd.
Guangzhou Rural Commercial Bank Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | HK$2.85 |
| 52 Week High | HK$3.45 |
| 52 Week Low | HK$2.23 |
| Beta | 0.39 |
| 1 Month Change | 1.79% |
| 3 Month Change | -0.70% |
| 1 Year Change | -8.07% |
| 3 Year Change | -35.23% |
| 5 Year Change | -44.34% |
| Change since IPO | -44.23% |
Recent News & Updates
Shareholder Returns
| 1551 | HK Banks | HK Market | |
|---|---|---|---|
| 7D | 5.9% | 0.2% | 3.1% |
| 1Y | -8.1% | 0.09% | -21.2% |
Return vs Industry: 1551 underperformed the Hong Kong Banks industry which returned 1.3% over the past year.
Return vs Market: 1551 exceeded the Hong Kong Market which returned -20.1% over the past year.
Price Volatility
| 1551 volatility | |
|---|---|
| 1551 Average Weekly Movement | 4.4% |
| Banks Industry Average Movement | 2.9% |
| Market Average Movement | 6.9% |
| 10% most volatile stocks in HK Market | 13.7% |
| 10% least volatile stocks in HK Market | 3.3% |
Stable Share Price: 1551 is less volatile than 75% of Hong Kong stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: 1551's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1952 | 13,571 | Xuefei Yi | https://www.grcbank.com |
Guangzhou Rural Commercial Bank Co., Ltd. provides banking services. It operates through Corporate Banking, Retail Banking, Financial Market Business, and Others segments.
Guangzhou Rural Commercial Bank Fundamentals Summary
| 1551 fundamental statistics | |
|---|---|
| Market Cap | CN¥27.89b |
| Earnings (TTM) | CN¥2.57b |
| Revenue (TTM) | CN¥10.94b |
10.9x
P/E Ratio0.4x
P/B RatioIs 1551 overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| 1551 income statement (TTM) | |
|---|---|
| Revenue | CN¥10.94b |
| Cost of Revenue | CN¥0 |
| Gross Profit | CN¥10.94b |
| Other Expenses | CN¥8.37b |
| Earnings | CN¥2.57b |
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.22 |
| Gross Margin | 100.00% |
| Net Profit Margin | 23.48% |
| Debt/Equity Ratio | 204.2% |
How did 1551 perform over the long term?
See historical performance and comparisonDividends
4.3%
Current Dividend Yield40%
Payout RatioValuation
Is 1551 undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
2/6Valuation Score 2/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
PEG Ratio
Key Valuation Metric
Which metric is best to use when looking at relative valuation for 1551?
Other financial metrics that can be useful for relative valuation.
| What is 1551's n/a Ratio? | |
|---|---|
| n/a Ratio | 0x |
| n/a | n/a |
| Market Cap | CN¥27.89b |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | n/a |
Price to Earnings Ratio vs Peers
How does 1551's PE Ratio compare to its peers?
| 1551 PE Ratio vs Peers |
|---|
| Company | PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 6.9x | ||
1216 Zhongyuan Bank | 8.4x | n/a | HK$29.6b |
6190 Bank of Jiujiang | 12.5x | n/a | HK$25.5b |
3698 Huishang Bank | 2.8x | 17.7% | HK$35.1b |
6196 Bank of Zhengzhou | 3.7x | n/a | HK$23.0b |
1551 Guangzhou Rural Commercial Bank | 10.9x | n/a | HK$32.6b |
Price-To-Earnings vs Peers: 1551 is expensive based on its Price-To-Earnings Ratio (10.9x) compared to the peer average (6.9x).
Price to Earnings Ratio vs Industry
How does 1551's PE Ratio compare vs other companies in the HK Banks Industry?
Price-To-Earnings vs Industry: 1551 is expensive based on its Price-To-Earnings Ratio (10.9x) compared to the Hong Kong Banks industry average (5.6x)
Price to Earnings Ratio vs Fair Ratio
What is 1551's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 10.9x |
| Fair PE Ratio | n/a |
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate 1551's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of 1551 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: 1551 (HK$2.85) is trading below our estimate of fair value (HK$9.59)
Significantly Below Fair Value: 1551 is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate 1551's PEG Ratio to determine if it is good value.
Discover undervalued companies
Future Growth
How is Guangzhou Rural Commercial Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score
0/6Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
8.9%
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Guangzhou Rural Commercial Bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
Discover growth companies
- Examine Guangzhou Rural Commercial Bank's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- Guangzhou Rural Commercial Bank competitive advantages and company strategy can generally be found in its financial reports archived here.
Past Performance
How has Guangzhou Rural Commercial Bank performed over the past 5 years?
Past Performance Score
1/6Past Performance Score 1/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
-5.8%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 1551 has high quality earnings.
Growing Profit Margin: 1551's current net profit margins (23.5%) are lower than last year (33.2%).
Past Earnings Growth Analysis
Earnings Trend: 1551's earnings have declined by 5.8% per year over the past 5 years.
Accelerating Growth: 1551's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 1551 had negative earnings growth (-41.8%) over the past year, making it difficult to compare to the Banks industry average (11.4%).
Return on Equity
High ROE: 1551's Return on Equity (4.3%) is considered low.
Discover strong past performing companies
Financial Health
How is Guangzhou Rural Commercial Bank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
6/6Financial Health Score 6/6
Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 1551's Assets to Equity ratio (13.4x) is moderate.
Allowance for Bad Loans: 1551 has a sufficient allowance for bad loans (167%).
Low Risk Liabilities: 82% of 1551's liabilities are made up of primarily low risk sources of funding.
Loan Level: 1551 has an appropriate level of Loans to Assets ratio (55%).
Low Risk Deposits: 1551's Loans to Deposits ratio (72%) is appropriate.
Level of Bad Loans: 1551 has an appropriate level of bad loans (1.8%).
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Dividend
What is Guangzhou Rural Commercial Bank current dividend yield, its reliability and sustainability?
Dividend Score
2/6Dividend Score 2/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
4.31%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: 1551's dividend (4.31%) is higher than the bottom 25% of dividend payers in the Hong Kong market (2.7%).
High Dividend: 1551's dividend (4.31%) is low compared to the top 25% of dividend payers in the Hong Kong market (7.69%).
Stability and Growth of Payments
Stable Dividend: 1551 has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: 1551 has only been paying a dividend for 4 years, and since then payments have fallen.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (40.3%), 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 or that it will be covered by earnings.
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Management
How experienced are the management team and are they aligned to shareholders interests?
3.3yrs
Average management tenure
CEO
Xuefei Yi (54 yo)
8.92yrs
Tenure
CN¥1,109,000
Compensation
Mr. Xuefei Yi has 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 Guangzhou Rura...
CEO Compensation Analysis
Compensation vs Market: Xuefei's total compensation ($USD165.33K) is below average for companies of similar size in the Hong Kong market ($USD473.75K).
Compensation vs Earnings: Xuefei's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: 1551's management team is considered experienced (3.3 years average tenure).
Board Members
Experienced Board: 1551's board of directors are not considered experienced ( 1.3 years average tenure), which suggests a new board.
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 16.8%.
Top Shareholders
Company Information
Guangzhou Rural Commercial Bank Co., Ltd.'s employee growth, exchange listings and data sources
Key Information
- Name: Guangzhou Rural Commercial Bank Co., Ltd.
- Ticker: 1551
- Exchange: SEHK
- Founded: 1952
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: HK$32.636b
- Shares outstanding: 11.45b
- Website: https://www.grcbank.com
Number of Employees
Location
- Guangzhou Rural Commercial Bank Co., Ltd.
- No. 9 Yingri Road
- Huangpu District
- Guangzhou
- Guangdong Province
- China
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/06/29 00:00 |
| End of Day Share Price | 2022/06/29 00:00 |
| Earnings | 2021/12/31 |
| Annual Earnings | 2021/12/31 |
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.