Bank of Qingdao Co., Ltd. Class H stock analysis
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Bank of Qingdao Co., Ltd. Class H (3866) Stock Price & Analysis
3866 Stock Chart & Stats
- Day’s Range
- HKD 5.21 - HKD 5.27
- 52-Week Range
- HKD 3.73 - HKD 5.41
- Previous Close
- HKD 5.28
- Volume
- N/A
- Average Volume (3M)
- 6.04M
- Market Cap
- HKD 38.17B
- Enterprise Value
- HKD 293.92B
- Total Cash (Recent Filing)
- HKD 40.74B
- Total Debt (Recent Filing)
- HKD 269.27B
- Price to Earnings (P/E)
- 6.9
- Beta
- 0.44
- Next Earnings
- Mar 31, 2027 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Jun 01, 2026
- Dividend Yield
- 3.93%
Bulls Say, Bears Say
Bulls Say
Revenue And Profit Growth
Strong TTM revenue growth alongside higher net and operating margins indicates improving earnings power and business momentum. If this performance persists, it can strengthen the bank’s capacity to reinvest, absorb costs, and build profitability over the next several quarters.
Improving Returns
The sustained improvement in return on equity suggests that the bank is using its capital base more effectively than in prior years. Better returns can support internally generated capital, improve operating resilience, and provide a stronger foundation for continued earnings growth.
Recent Cash Generation
TTM free cash flow closely tracking net income provides support for the quality of reported profitability rather than showing earnings without corresponding cash generation. This improves the bank’s near-term capacity to fund operations and maintain financial flexibility.
Bears Say
Higher Leverage
The sharp increase in debt-to-equity raises balance-sheet sensitivity to weaker operating conditions and leaves less flexibility if financial performance deteriorates. Higher leverage can also constrain capital allocation and make preserving stability more dependent on continued earnings strength.
Volatile Cash Coverage
Although recent cash generation is strong, the history of negative operating and free cash flow and the still-low coverage ratio show that cash conversion has not been consistently robust. This volatility makes the durability of recent cash strength an important ongoing consideration.
Margin Pressure
The decline in gross margin indicates that mix or cost pressures remain within the operating model, even as net and EBIT margins improve. If this pressure persists, it could limit operating leverage and reduce how much future revenue growth translates into additional earnings.
Bank of Qingdao Co., Ltd. Class H News
3866 FAQ
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Bank of Qingdao Co., Ltd. Class H Stock Smart Score
Company Description
Bank of Qingdao Co., Ltd. Class H
Bank of Qingdao Co., Ltd. provides personal and corporate banking, and financial market services in the People’s Republic of China. It operates through Corporate Banking, Retail Banking, and Financial Market Business segments. The company offers deposit and savings products; personal loans, corporate loans, Youth Easy loans; professional card services, investment and wealth management, and credit card lines; foreign exchange deposit and withdrawal services; foreign exchange settlement and sale, and foreign exchange outward and inward remittance; and agency services. It also provides bill services and asset management solutions for enterprises, including bill acceptance, e-Bill subsidy, commercial bill, bill pool, and supply chain bill; trade financing, supply chain finance, and cash management; non-financial corporate debt financing instruments, credit financing plans, and direct financing instruments; and undertaking, underwriting, and duration management services. In addition, the company offers self-service devices, ATMs, and cash deposit and withdrawal machines; letters of credit services and guarantees; safe deposit box services; bond settlement agency services; and commercial central treasury cash management. Further, it is involved in the issuance of financial bonds; underwriting of government bonds and financial bonds; buying and selling government bonds, financial bonds, and corporate bonds; interbank lending and interbank deposit business; insurance business; sale of precious metals; and general derivatives trading business. The company was formerly known as Qingdao City Commercial Bank Co., Ltd. and changed its name to Bank of Qingdao Co., Ltd. in 2008. Bank of Qingdao Co., Ltd. was founded in 1996 and is headquartered in Qingdao, the People’s Republic of China.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Wu Xianming
- Employees
- 5,571
- Website
- www.qdccb.com
- Address
- Building 3, Qingdao, SD, 266061, CN
Bank of Qingdao Co., Ltd. Class H (3866) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 3 | 5 |
| Technical Analysis | 2 | 3 | 5 |
| Moving Averages | 12 | 0 | 0 |









