440 Stock Overview

An investment holding company, provides banking, insurance, financial, and other related services in Hong Kong, Macau, and the People’s Republic of China. More details

440 fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	2/6
Past Performance	4/6
Financial Health	5/6
Dividends	5/6

Rewards

Trading at 29.3% below our estimate of its fair value

Earnings are forecast to grow 4.33% per year

Earnings grew by 36.7% over the past year

Risk Analysis

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Dah Sing Financial Holdings Limited Competitors

Dah Sing Banking Group

SEHK:2356

HK$11.0b

China Bohai Bank

SEHK:9668

HK$15.5b

Bank of East Asia

SEHK:23

HK$26.0b

China Zheshang Bank

SEHK:2016

HK$80.6b

Price History & Performance

Summary of share price highs, lows and changes for Dah Sing Financial Holdings
Historical stock prices
Current Share Price	HK$27.80
52 Week High	HK$29.10
52 Week Low	HK$15.16
Beta	0.66
1 Month Change	12.10%
3 Month Change	16.81%
1 Year Change	73.75%
3 Year Change	17.80%
5 Year Change	-10.32%
Change since IPO	-44.73%

Recent updates

Shareholder Returns

	440	HK Banks	HK Market
7D	4.3%	4.7%	2.1%
1Y	73.8%	33.1%	17.6%

Return vs Industry: 440 exceeded the Hong Kong Banks industry which returned 34.1% over the past year.

Return vs Market: 440 exceeded the Hong Kong Market which returned 18.1% over the past year.

Price Volatility

Is 440's price volatile compared to industry and market?
440 volatility
440 Average Weekly Movement	4.2%
Banks Industry Average Movement	5.4%
Market Average Movement	8.6%
10% most volatile stocks in HK Market	18.6%
10% least volatile stocks in HK Market	3.9%

Stable Share Price: 440 has not had significant price volatility in the past 3 months compared to the Hong Kong market.

Volatility Over Time: 440's weekly volatility (4%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1947	3,047	Derek Wong	www.dahsing.com

Dah Sing Financial Holdings Limited, an investment holding company, provides banking, insurance, financial, and other related services in Hong Kong, Macau, and the People’s Republic of China. The company operates through Personal Banking, Corporate Banking, Treasury and Global Markets, Mainland China and Macau Banking, and Insurance Business segments. The Personal Banking segment accepts various deposits from individual customers; and provides residential mortgage loans, personal loans, overdrafts, vehicle financing, and credit card services, as well as insurance sales and investment services.

Dah Sing Financial Holdings Limited Fundamentals Summary

How do Dah Sing Financial Holdings's earnings and revenue compare to its market cap?
440 fundamental statistics
Market cap	HK$8.88b
Earnings (TTM)	HK$1.78b
Revenue (TTM)	HK$5.35b

5.0x

P/E Ratio

0.3x

P/B Ratio

Is 440 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
440 income statement (TTM)
Revenue	HK$5.35b
Cost of Revenue	HK$0
Gross Profit	HK$5.35b
Other Expenses	HK$3.57b
Earnings	HK$1.78b

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	5.58
Gross Margin	100.00%
Net Profit Margin	33.29%
Debt/Equity Ratio	12.4%

How did 440 perform over the long term?

See historical performance and comparison

Dividends

9.2%

Current Dividend Yield

46%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/27 05:09
End of Day Share Price	2024/12/27 00:00
Earnings	2024/06/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Dah Sing Financial Holdings Limited is covered by 23 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Wing San Wong	Barclays
Yu Hang Au	BNP Paribas Securities (Asia)
Derrick Sun	BNP Paribas Securities (Asia)