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China Minsheng Banking (1988) AI Stock Analysis
China Minsheng Banking
(HKEX:1988)
The score is held back primarily by weak financial quality signals (especially sustained negative operating/free cash flow and higher leverage) and bearish technicals (below major moving averages with negative momentum). These risks are partially offset by a low P/E and a high dividend yield, supporting the valuation component.
China Minsheng Banking (1988) vs. iShares MSCI Hong Kong ETF (EWH)
- Market Cap
- HKD 19.50B
- Dividend Yield
- 6.43%
- Average Volume (3M)
- 29.20M
- Price to Earnings (P/E)
- 5.8
- Beta (1Y)
- 0.45
- Revenue Growth
- -4.88%
- EPS Growth
- -9.64%
- Country
- Hong Kong
- Employees
- 61,658
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
China Minsheng Banking Business Overview & Revenue Model
Company Description
China Minsheng Banking Corp., Ltd. is a prominent financial services provider in the People's Republic of China, serving a broad spectrum of clients including individuals, micro and small businesses, corporate entities, government organizations, and...
China Minsheng Banking Financial Statement Overview
Summary
Income statement is moderate (Score 56) with positive profitability but soft/negative revenue growth and margin pressure. Balance sheet is also moderate (Score 52) but shows a sharp rise in leverage (debt-to-equity ~4.17 TTM) and low-to-moderate ROE (~4.25% TTM). The largest drag is cash flow (Score 28) with operating and free cash flow deeply negative in TTM and negative across multiple recent periods, increasing risk despite reported profits.
Income Statement
56NeutralBalance Sheet
52NeutralCash Flow
28Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 312.26B | 265.59B | 288.69B | 305.51B | 297.95B | 320.71B |
| Gross Profit | 150.99B | 142.87B | 136.29B | 140.82B | 142.48B | 168.80B |
| EBITDA | 45.18B | 40.87B | 42.80B | 45.67B | 44.98B | 43.01B |
| Net Income | 37.59B | 30.56B | 32.30B | 35.82B | 35.27B | 34.38B |
Balance Sheet | ||||||
| Total Assets | 7.86T | 7.83T | 7.81T | 7.67T | 7.26T | 6.95T |
| Cash, Cash Equivalents and Short-Term Investments | 986.89B | 485.69B | 1.08T | 721.11B | 634.86B | 625.80B |
| Total Debt | 899.48B | 1.12T | 1.03T | 790.82B | 753.77B | 785.27B |
| Total Liabilities | 7.15T | 7.13T | 7.16T | 7.04T | 6.64T | 6.37T |
| Stockholders Equity | 699.57B | 689.64B | 642.86B | 624.60B | 599.93B | 574.28B |
Cash Flow | ||||||
| Free Cash Flow | -244.66B | -166.78B | -241.34B | 65.00B | 155.56B | 145.95B |
| Operating Cash Flow | -228.78B | -157.48B | -231.64B | 73.68B | 166.27B | 155.42B |
| Investing Cash Flow | 190.14B | 67.91B | -42.82B | 41.76B | -112.33B | 117.91B |
| Financing Cash Flow | -78.38B | 66.42B | 221.86B | -7.26B | -96.20B | -266.72B |
China Minsheng Banking Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1988, the sentiment is Negative. The current price of 3.10 is below the 20-day moving average (MA) of 3.23, below the 50-day MA of 3.35, and below the 200-day MA of 3.43, indicating a bearish trend. The MACD of -0.09 indicates Positive momentum. The RSI at 37.63 is Neutral, neither overbought nor oversold. The STOCH value of 29.39 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:1988.
China Minsheng Banking Peers Comparison
Overall Rating
HK:396879Outperform
HK:099872Outperform
HK:238871Outperform
HK:165863Neutral- HK:198853Neutral
HK:681844Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HK:3968 | 79Outperform | HKD 1.27T | 7.28 | 12.33% | 4.26% | 3.40% | 7.85% |
| HK:0998 | 72Outperform | HKD 558.35B | 7.15 | 9.32% | 5.69% | -0.51% | 2.52% |
| HK:2388 | 71Outperform | HKD 503.05B | 12.33 | 11.60% | 4.34% | -8.24% | 3.38% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| HK:1658 | 63Neutral | HKD 708.97B | 7.74 | 8.73% | 4.40% | 2.50% | 1.38% |
| HK:1988 | 53Neutral | HKD 169.33B | 5.79 | 4.25% | 6.43% | -4.88% | -9.64% |
| HK:6818 | 44Neutral | HKD 210.24B | 6.81 | 5.42% | 6.90% | -3.43% | -21.29% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| HK:1988 | China Minsheng Banking Corp Class H | 3.10 | -0.82 | -20.95% | |
| HK:2388 | BOC Hong Kong (Holdings) | 49.70 | 12.96 | 35.26% | |
| HK:6818 | China Everbright Bank Co Class H | 2.85 | -0.31 | -9.91% | |
| HK:0998 | China CITIC Bank Corporation Class H | 8.40 | 1.42 | 20.31% | |
| HK:3968 | China Merchants Bank Co Class H | 54.35 | 5.53 | 11.32% | |
| HK:1658 | Postal Savings Bank of China Co., Ltd. Class H | 5.66 | 0.31 | 5.78% |
China Minsheng Banking Corporate Events
China Minsheng Banking Discloses Board and Committee Roles
China Minsheng Banking operates in the banking industry, serving corporate and retail customers in China through commercial banking products and services.The bank published its board structure and the roles of its directors, including the chairman, v...
China Regulator Approves Zhang Zhen as Minsheng Bank Director
China Minsheng Banking Corp. is a Chinese commercial bank offering banking and financial services to corporate and retail customers in the domestic market.China’s National Financial Regulatory Administration approved Zhang Zhen’s qualific...
China Minsheng Banking Issues Unaudited Third-Quarter 2026 Report
China Minsheng Banking Corp., Ltd. has released its unaudited third quarterly report for 2026, prepared under Chinese accounting standards and consolidating the financial data of the bank and its subsidiaries. The disclosure was made as an overseas r...
China Minsheng Banking Sets Board Meeting to Approve Nine-Month Results
China Minsheng Banking Corp., Ltd. has scheduled a board meeting for 30 October 2026 to review and approve the financial results of the bank and its subsidiaries for the nine months ended 30 September 2026. The move signals forthcoming disclosure of...
China Minsheng Banking Sets Interim Dividend and Clarifies Tax Treatment for H-Share Investors
China Minsheng Banking Corp., Ltd. has announced an interim ordinary cash dividend for the six months ended 30 June 2026, set at RMB 1.18 per 10 shares, with Hong Kong shareholders receiving a default payment of HKD 1.36782 per 10 shares based on a s...
China Minsheng Banking Declares Interim Dividend and Clarifies Tax Terms for H-Share Investors
China Minsheng Banking Corp., Ltd. has declared an interim ordinary dividend of RMB 1.18 per 10 shares for the six months ended 30 June 2026, with payment scheduled on 27 October 2026 to shareholders on record as of 16 September 2026. The announcemen...
China Minsheng Banking Unveils 2026 Interim Results and Dividend Plan
China Minsheng Banking has released its unaudited interim results for the six months ended 30 June 2026, with the full interim report to be published on both the Hong Kong stock exchange disclosure platform and the bank’s own website. The repor...
China Minsheng Bank Sets Interim 2026 Dividend and Tax Terms for H Shareholders
China Minsheng Banking Corp., Ltd., a major PRC joint stock commercial bank listed in Hong Kong, operates both A and H shares to tap domestic and overseas capital. The bank’s dividend and capital management approach is guided by regulatory capi...
China Minsheng Bank Details Shareholder Turnout and Voting at 2026 First EGM
China Minsheng Banking Corp., Ltd. held its first extraordinary general meeting for 2026 in Beijing on 21 August 2026, with voting conducted both on-site and online through the Shanghai Stock Exchange systems. The meeting, convened and chaired by boa...
China Minsheng Banking Sets Board Meeting to Approve Interim Results and Consider Dividend
China Minsheng Banking Corp., Ltd. has scheduled a board meeting for 28 August 2026 in Beijing to review and approve the interim results of the bank and its subsidiaries for the six months ended 30 June 2026. The board will also consider whether to r...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Nov 05, 2026