Bank of Jiujiang Co., Ltd. Class H stock analysis
Bank of Jiujiang Co., Ltd. Class H (BJ8) Stock Price & Analysis
BJ8 Stock Chart & Stats
- Day’s Range
- EUR 0.30 - EUR 0.30
- 52-Week Range
- EUR 0.17 - EUR 0.35
- Previous Close
- EUR 0.31
- Volume
- N/A
- Average Volume (3M)
- 0
- Market Cap
- EUR 851.33M
- Enterprise Value
- EUR 65.58B
- Total Cash (Recent Filing)
- EUR 26.51B
- Total Debt (Recent Filing)
- EUR 76.92B
- Price to Earnings (P/E)
- 12.9
- Beta
- -0.26
- Next Earnings
- Apr 01, 2027 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 2.35%
Bulls Say, Bears Say
Bulls Say
Growing Balance-sheet Scale
The substantial expansion in total assets indicates a growing banking platform with greater capacity to serve retail, SME, corporate, and institutional customers. A larger balance sheet can support broader lending and service activity, although future returns will depend on disciplined deployment.
Continued Profitability
The bank has remained profitable despite weaker earnings than in 2021–2022, demonstrating that its core commercial banking activities continue to generate positive net income. Sustained profitability provides an internal base for resilience and ongoing operation across its customer segments.
2025 Cash-flow Rebound
The return to strongly positive operating and free cash flow in 2025 is an encouraging improvement in the bank’s ability to generate cash from its activities. If maintained, this would strengthen funding flexibility and reduce dependence on balance-sheet movements to support operations.
Bears Say
Lower Profitability And ROE
The decline in net income from earlier years and ROE near 2% indicate weaker earnings power and limited efficiency in using shareholder capital. Persistently lower returns could constrain internal capital generation and make future balance-sheet growth less rewarding for investors.
Materially Higher Leverage
The sharp increase in debt materially raises the bank’s leverage and increases the balance-sheet risk attached to its relatively low returns. Higher obligations can reduce financial flexibility, while the combination of rising debt and modest ROE may limit the quality of future growth.
Unstable Cash Generation
Large swings in operating cash flow, including sizeable negative figures in multiple recent years, reduce confidence that cash generation is structurally dependable. The 2025 rebound is positive, but the prior pattern suggests that reported cash strength may remain sensitive to balance-sheet movements.
Bank of Jiujiang Co., Ltd. Class H News
BJ8 FAQ
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Company Description
Bank of Jiujiang Co., Ltd. Class H
Bank of Jiujiang Co., Ltd. provides various banking products and services for individual customers, corporations, government agencies, and financial institutions in the People's Republic of China. It operates through Corporate Banking, Retail Banking, and Financial Market Business segments. The company offers corporate and personal loans, trade financing, deposit products, granting short-term, medium-term and long-term loans, and other types of corporate and personal intermediary services; and card and personal wealth management services. It also conducts money market or repurchase transactions, and financial investments. In addition, the company provides domestic and overseas settlements, bill acceptance and discounting, government bonds and financial bonds trading, inter-bank placement, letters of credit and guarantee, insurance agency, and safe-box services. Further, the company issues financial bonds; sells securities investment funds and other products; and acts as an agent to issue, settle, and underwrite government bonds, as well as for on inward and outward payments. The company was formerly known as Jiujiang Commercial Bank and changed its name to Bank of Jiujiang Co., Ltd. in September 2008. Bank of Jiujiang Co., Ltd. was incorporated in 2000 and is headquartered in Chaisang, the People's Republic of China.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Qian Wenhui
- Employees
- 6,055
- Website
- www.jjccb.com
- Address
- Bank of Jiujiang Mansion, Chaisang, 332000, CN
Bank of Jiujiang Co., Ltd. Class H (BJ8) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 2 | 5 |
| Technical Analysis | 5 | 2 | 3 |
| Moving Averages | 10 | 0 | 2 |







