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China Everbright Bank Co
(6818)
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Rating:46Neutral
Price Target:
HK$2.50
â–Ľ(-15.82% Downside)
Action:Reiterated
Date:10/31/26
The score is held down primarily by weakening financial performance, especially highly unstable cash flow, a sharp TTM revenue decline, and higher leverage with declining ROE. Technicals add modest downside pressure as the stock trades below key moving averages with negative MACD. Offsetting these risks, valuation is relatively attractive with a low P/E and a high dividend yield.
Positive Factors
Solid Profitability
Despite weaker growth, the bank continues to generate positive profitability, with a TTM net margin of about 13.9% and EBIT margin near 18.2%. These margins provide an earnings base that can support operations and investment if revenue pressure moderates.
Negative Factors
Sharp Revenue Contraction
The sharp TTM revenue decline, following negative growth in the prior two periods, signals weakening business momentum rather than a single isolated slowdown. Continued contraction could reduce earnings capacity and make it harder for the bank to sustain current profitability over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Solid Profitability
Despite weaker growth, the bank continues to generate positive profitability, with a TTM net margin of about 13.9% and EBIT margin near 18.2%. These margins provide an earnings base that can support operations and investment if revenue pressure moderates.
Read all positive factors
China Everbright Bank Co (6818) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$204.24B
Dividend Yield7.21%
Average Volume (3M)11.54M
Price to Earnings (P/E)6.1
Beta (1Y)0.44
Revenue Growth-3.43%
EPS Growth-21.29%
CountryHK
Employees48,483
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.47
Shares Outstanding12,678,735,000
10 Day Avg. Volume14,488,360
30 Day Avg. Volume11,536,806
Financial Highlights & Ratios
PEG Ratio-0.31
Price to Book (P/B)0.36
Price to Sales (P/S)0.89
P/FCF Ratio1.41
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
HK$2.20Price Target Upside-25.93% Downside
Rating ConsensusModerate Sell
Number of Analyst Covering1
EPS Forecast (FY)0.5
Revenue Forecast (FY)HK$123.95B
China Everbright Bank Co Business Overview & Revenue Model
Company Description
China Everbright Bank Company Limited operates as a financial institution, delivering an extensive array of financial solutions and products to a diverse clientele. Its services cater to corporate entities, government bodies, retail customers, and...
China Everbright Bank Co Financial Statement Overview
Summary
Income Statement
54
Neutral
Balance Sheet
46
Neutral
Cash Flow
22
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 232.50B | 245.37B | 272.74B | 288.98B | 279.35B | 270.02B |
| Gross Profit | 96.58B | 126.31B | 135.40B | 145.65B | 151.69B | 152.84B |
| EBITDA | 40.16B | 56.08B | 57.93B | 56.07B | 61.93B | 58.39B |
| Net Income | 29.94B | 38.83B | 41.70B | 40.79B | 44.81B | 43.41B |
Balance Sheet | ||||||
| Total Assets | 7.27T | 7.17T | 6.96T | 6.77T | 6.30T | 5.90T |
| Cash, Cash Equivalents and Short-Term Investments | 307.79B | 1.09T | 517.56B | 538.28B | 525.66B | 574.23B |
| Total Debt | 2.37T | 1.55T | 293.05B | 1.30T | 1.07T | 953.89B |
| Total Liabilities | 6.72T | 6.56T | 6.37T | 6.22T | 5.79T | 5.42T |
| Stockholders Equity | 544.86B | 604.80B | 587.70B | 552.39B | 507.88B | 482.49B |
Cash Flow | ||||||
| Free Cash Flow | -7.22B | 155.40B | -214.20B | -8.77B | -61.06B | -117.59B |
| Operating Cash Flow | 55.20M | 162.91B | -204.80B | -3.61B | -56.40B | -112.24B |
| Investing Cash Flow | -103.98B | -103.90B | 123.68B | -205.82B | -103.09B | -93.41B |
| Financing Cash Flow | 209.22B | 52.73B | 85.00B | 196.02B | 70.57B | 286.04B |
China Everbright Bank Co Technical Analysis
Negative
2.97
Price Trends
2.82
Negative
2.95
Negative
3.04
Negative
Market Momentum
-0.04
Negative
47.26
Neutral
54.92
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:6818, the sentiment is Negative. The current price of 2.97 is above the 20-day moving average (MA) of 2.75, above the 50-day MA of 2.82, and below the 200-day MA of 3.04, indicating a bearish trend. The MACD of -0.04 indicates Negative momentum. The RSI at 47.26 is Neutral, neither overbought nor oversold. The STOCH value of 54.92 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:6818.
China Everbright Bank Co Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | HK$1.31T | 7.46 | 12.33% | 4.16% | 3.40% | 7.85% | |
72 Outperform | HK$583.93B | 7.28 | 9.32% | 4.91% | -0.51% | 2.52% | |
71 Outperform | HK$533.93B | 12.78 | 11.60% | 4.17% | -8.24% | 3.38% | |
68 Neutral | HK$720.43B | 8.04 | 8.44% | 4.38% | 2.50% | 1.38% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
60 Neutral | HK$174.43B | 5.48 | 4.66% | 6.22% | -4.88% | -9.64% | |
46 Neutral | HK$204.24B | 6.11 | 5.88% | 7.21% | -3.43% | -21.29% |
* Financial Sector Average
HK:6818
China Everbright Bank Co
2.74
-0.31
-10.24%
HK:2388
BOC Hong Kong (Holdings)
50.50
13.76
37.44%
HK:1988
China Minsheng Banking
3.18
-0.65
-17.04%
HK:0998
China CITIC Bank
8.70
1.57
22.10%
HK:3968
China Merchants Bank Co
54.55
7.18
15.16%
HK:1658
Postal Savings Bank of China Co., Ltd. Class H
5.62
0.32
5.98%
China Everbright Bank Co Corporate Events
China Everbright Bank Moves to Strengthen Board with New Non‑Executive Appointments
Oct 30, 2026
China Everbright Bank has proposed the appointment of Liu Yu as a non‑executive director and Tang Nai Pan as an independent non‑executive director for its tenth session board, with their terms to commence upon approval by shareholders ...
China Everbright Bank Tightens Board Nomination Governance
Oct 30, 2026
China Everbright Bank Co. has revised the terms of reference for its Board Nomination Committee to better align with Chinese corporate law, banking governance guidelines and Hong Kong listing rules. The committee is mandated to oversee the procedu...
China Everbright Bank Tightens Oversight of Executive Pay with Revised Remuneration Committee Rules
Oct 30, 2026
China Everbright Bank has revised the terms of reference for its Board Remuneration Committee in 2026, aiming to strengthen remuneration governance for directors and senior management and refine performance appraisal mechanisms. The move aligns th...
China Everbright Bank Files Unaudited Q3 2026 Report Under IFRS
Oct 30, 2026
China Everbright Bank Company Limited, a PRC-incorporated joint stock commercial bank listed in Hong Kong, provides banking and related financial services through its group structure under IFRS Accounting Standards. The bank’s governance fra...
China Everbright Bank Sets Board Meeting to Approve Third-Quarter Results
Oct 20, 2026
China Everbright Bank Company Limited has scheduled a board meeting for October 30, 2026, to review and potentially approve its third-quarter results for the nine months ended September 30, 2026. The announcement also reiterates the current compos...
China Everbright Bank Announces Resignation of Non-Executive Director
Sep 24, 2026
China Everbright Bank Company Limited announced the resignation of non-executive director Yao Wei, who has stepped down from the board and its Audit and Social Responsibility-related committees effective 24 September 2026 due to job adjustment. Th...
China Everbright Bank Refines Board and Committee Structure to Strengthen Governance
Sep 24, 2026
China Everbright Bank has updated the composition of its board of directors, naming Wu Lijun as chairman and non-executive director and Cui Yong as vice chairman, alongside executive directors Hao Cheng and Qi Ye, several non-executive directors, ...
China Everbright Bank Declares Interim Dividend With Currency Option for H-Shareholders
Aug 28, 2026
China Everbright Bank Company Limited has announced an interim ordinary cash dividend for the six months ended 30 June 2026, payable for the financial year ending 31 December 2026. The dividend has been set at RMB 0.81 per 10 shares, with Hong Kon...
China Everbright Bank Unveils 2026 Interim Results and RMB4.8 Billion Dividend Plan
Aug 28, 2026
China Everbright Bank has released its unaudited interim results for the six months ended 30 June 2026 and confirmed that its full interim report will be published in September on both its own and Hong Kong’s HKEXnews websites, with versions...
China Everbright Bank Sets August Board Meeting to Review Interim Results and Dividend
Aug 18, 2026
China Everbright Bank has scheduled a board meeting for 28 August 2026 to review and consider approval of its interim results for the six months ended 30 June 2026. The board will also discuss a potential interim dividend distribution and other ma...
China Everbright Bank Announces Resignation of Executive Director and Vice President
Aug 11, 2026
China Everbright Bank announced that Executive Director and Vice President Yang Bingbing has resigned from his roles, effective 11 August 2026, due to a job adjustment. His departure also includes his position on the board committee overseeing soc...
China Everbright Bank Details Board Composition and Committee Roles
Aug 11, 2026
China Everbright Bank has announced the current composition of its board of directors, led by chairman and non-executive director Wu Lijun and vice chairman and non-executive director Cui Yong, alongside a mix of executive, non-executive and indep...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.