601665.Ss
The company operates as a bank, generating revenue primarily through net interest income and fee-based services.
Business. The company operates as a bank, generating revenue primarily through net interest income and fee-based services.
Analyst recommendations
2 analysts · consensus BuyAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
0Sector rotation
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Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
The company operates as a bank, generating revenue primarily through net interest income and fee-based services.
The company maintains a market price of 6.15 CNY, with a market capitalization of 37.85 billion CNY. Its price-to-earnings ratio is 6.62, and its price-to-book ratio is 0.71, indicating a relatively low valuation compared to book value. The company's debt-to-equity ratio is 4.06, suggesting a high reliance on debt financing. The return on equity is 10.68%, which is a strong indicator of profitability relative to equity.
The company's profitability is reflected in its net income of 5.71 billion CNY and a return on assets of 0.71%. These metrics suggest that the company is generating a modest return on its asset base. The operating cash flow of 44.10 billion CNY indicates strong cash generation, which is essential for maintaining liquidity and funding operations. However, the free cash flow of 3.64 billion CNY is relatively low, which may limit the company's ability to reinvest in growth opportunities.
The company's revenue is concentrated in a single business segment, as disclosed in its financial statements. There is no detailed breakdown of geographic exposure, but the company's operations are primarily based in China. The lack of geographic diversification may expose the company to regional economic risks.
The company's growth trajectory is expected to remain stable, with no significant changes in revenue or net income projected for the current fiscal year. The capital expenditure of -347.799 million CNY indicates a reduction in investment in physical assets, which may be a strategic decision to focus on cost efficiency.
The company faces moderate liquidity risk due to its high debt levels and negative net cash position after subtracting total debt. The dilution risk is assessed as low, with no immediate pressure for additional equity issuance. The company's financial structure and cash flow generation are key factors in maintaining its current valuation and operational stability.
Recent events, including analyst estimates and recommendations, suggest a positive outlook for the company. The mean price target of 7.53 CNY is higher than the current market price, indicating potential for appreciation. The mean recommendation of 1.50 suggests a generally favorable sentiment among analysts, with one strong-buy and one buy recommendation.
- The company has a strong return on equity of 10.68%, indicating efficient use of equity capital.
- The company's debt-to-equity ratio of 4.06 suggests a high reliance on debt financing.
- The company's operating cash flow of 44.10 billion CNY supports liquidity and operational needs.
- Analysts have a positive outlook, with a mean price target of 7.53 CNY and a mean recommendation of 1.50.
- The company's free cash flow is relatively low, which may limit reinvestment opportunities.
- The company's financial structure and cash flow generation are critical for maintaining stability and growth.
Bull / Bear case
analysis pipelineIn focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
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- Market data
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- ESG data
- Ev To Operating Cash Flowenterprise_value / operating_cash_flow
- Return On Equitynet_income / total_equity
- Price To Earningsmarket_price / (net_income / shares_outstanding_diluted)
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Market Priceinput from market-data provider (delayed close or quote-shim mid)
- 601665.SS Market data — financials · 2026-05-27
- Qilu Bank Co Ltd Market data — analyst estimates · 2026-05-27
Ownership & reference
Leadership
- Zugang ZhengExecutive Chairman of the Board