Bank of Communications Co stock analysis
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Bank of Communications Co (3328) Stock Price & Analysis
3328 Stock Chart & Stats
- Day’s Range
- HKD 8.50 - HKD 8.72
- 52-Week Range
- HKD 6.35 - HKD 8.80
- Previous Close
- HKD 8.63
- Volume
- N/A
- Average Volume (3M)
- 26.07M
- Market Cap
- HKD 834.59B
- Enterprise Value
- HKD 3.86T
- Total Cash (Recent Filing)
- HKD 756.10B
- Total Debt (Recent Filing)
- HKD 3.45T
- Price to Earnings (P/E)
- 7.6
- Beta
- 0.49
- Next Earnings
- Mar 19, 2027 (Est.)
- EPS Estimate
- 0.36
- Next Dividend Ex-Date
- Dec 03, 2026
- Dividend Yield
- 4.23%
Bulls Say, Bears Say
Bulls Say
Resilient Profitability
Profitability has remained resilient, with margins near 19% and net income broadly stable across recent periods. This consistency supports the bank’s ability to absorb normal credit and economic fluctuations while continuing to fund operations and maintain its competitive position.
Strong Latest Cash Generation
The latest cash-flow performance demonstrates substantial internal cash generation, with free cash flow slightly exceeding net income. That provides financial capacity to support lending activity, absorb balance-sheet needs, and sustain shareholder distributions if the recent conversion level persists.
Diversified Banking Platform
A broad customer base and wide product range diversify the bank’s revenue and funding activities across retail, corporate, institutional, and treasury services. Its Mainland China presence plus overseas operations also provides a substantial platform for relationship-based banking and cross-selling.
Bears Say
Elevated Leverage
The marked step-up in leverage increases sensitivity to tighter credit conditions and weakens balance-sheet flexibility relative to earlier periods. Higher leverage can constrain future capital allocation and make earnings and equity returns more vulnerable if asset quality or funding conditions deteriorate.
Volatile Cash Conversion
Although the latest cash generation is strong, the multi-year pattern shows meaningful swings, including negative operating and free cash flow. Uneven conversion reduces confidence that reported earnings will translate consistently into cash, complicating planning and limiting the reliability of internally funded growth.
Weak Recent Growth Trend
The reported negative revenue-growth figure, alongside a decline in EPS, indicates weaker recent operating momentum than the bank’s profitability level alone suggests. If this persists, slower top-line expansion could limit earnings progression and reduce the ability to improve returns without relying on efficiency gains.
Bank of Communications Co News
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Bank of Communications Co Stock Smart Score
Company Description
Bank of Communications Co
Bank of Communications Co., Ltd. (BoCom) operates as a commercial bank, offering a broad spectrum of financial products and services. For individual clients, BoCom delivers a suite of personal banking solutions. These include diverse deposit options such as demand, time, call, withdrawal, foreign currency, swap management, and educational accounts, alongside certificates of deposit. Customers can also access credit and debit cards, various loan products like housing and personal financing, and comprehensive wealth management services, encompassing both product offerings and expert advisory. Its corporate banking arm caters to businesses with structured time and demand deposits, and sophisticated cash management services covering accounts receivable/payable, general account administration, liquidity optimization, and investment/financing strategies. The bank also facilitates financing, settlement, and risk management solutions, alongside syndicated loans, overdraft facilities, investment banking expertise, and offshore banking services. The latter includes foreign exchange deposits and loans, inter-bank lending, international settlements, foreign exchange trading and guarantees, and business advisory. Additionally, BoCom engages in precious metal leasing and commodity trading. International banking services encompass corporate foreign exchange wealth management, import and export settlements, documentary settlements, remittances, bill services, trade finance, and further offshore banking functionalities. Furthermore, BoCom offers treasury services, asset management, trustee services, insurance, financial leasing, and debt-to-equity swap arrangements, among other specialized financial solutions. This extensive portfolio also features trust investment, fund management, securities dealing and brokerage, reinsurance, and advanced e-banking platforms. The bank maintains a significant presence with 245 branches and 3,025 additional banking outlets throughout Mainland China. Globally, it extends its reach with 22 overseas branches, 68 international banking outlets, and representative offices in 17 countries. Established in 1908, Bank of Communications Co., Ltd. is headquartered in Shanghai, People's Republic of China.
- Sector
- Financial
- Industry
- Banks - Diversified
- CEO
- Deqi Ren
- Employees
- 97,932
- Website
- www.bankcomm.com
- Address
- No. 188, Yincheng Middle Road, Shanghai, SH, 200120, CN
Bank of Communications Co (3328) Earnings & Revenues
3328 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 6 | 2 |
| Technical Analysis | 2 | 6 | 2 |
| Moving Averages | 12 | 0 | 0 |











