Bank of China Ltd. - ADR
BACHY
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+ FollowMarket Cap$244.49B
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Earnings Call Q4 2024
March 26, 2025 - AI Summary
Strong Financial Performance in 2024: Bank of China (BoC) reported total assets exceeding RMB 35 trillion and total liabilities reaching RMB 32 trillion, representing growth of 8.11% and 8.20% YOY, respectively. Operating income reached RMB 632.8 billion, a 1.38% YOY growth, while after-tax profit increased by 2.58% to RMB 252.7 billion. Key performance indicators, including NIM at 1.4%, ROA at 0.75%, and ROE at 9.5%, remained within reasonable ranges.
Focus on Loan Growth and Asset Quality: BoC's domestic RMB loans grew steadily, supporting over 102,900 technology-based enterprises and boosting the balance of inclusive loans for small and micro enterprises by 29.63%. However, the NPL rate was stable at 1.25%, indicating effective risk management despite pressures in some sectors, particularly real estate.
Challenges Ahead in 2025: The bank anticipates continued pressure in a low-interest-rate environment and increased competition. Factors such as demand being constrained, the impact of LPR adjustments, and potential risks from the real estate sector are expected to challenge credit quality. Management emphasized the need for robust risk management to maintain asset quality.
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$27.64
45.7% upside
Current Fair Value
45.7% upsideUndervalued by 45.7% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $244.49 Billion |
|---|---|
| Enterprise Value | $4.56 Trillion |
| Dividend Yield | $0.82 (3.34%) |
| Earnings per Share | $18.25 |
| Beta | 0.1 |
| Outstanding Shares | 12,888,496,480 |
Return
| Return on Equity | 8.71% |
|---|---|
| Return on Assets | 0.62% |
| Return on Invested Capital | 0.93% |
Valuation & Multiples
| P/E Ratio | 8.26 |
|---|---|
| PEG | 147.18 |
| Price to Sales | 0.2 |
| Price to Book Ratio | 0.08 |
| Enterprise Value to Revenue | 3.73 |
| Enterprise Value to EBIT | 14.7 |
| Enterprise Value to Net Income | 18 |
| Total Debt to Enterprise | 1.49 |
| Debt to Equity | 2.38 |
Revenue Sources
No data
Insider Trades
Last Earnings Call
Report Date
September 4, 2026
EPS Estimate
$0.74
Average shareholder expectationRevenue Estimate
$23.78 B
Average shareholder expectationNext Earnings Call
Expected Date
October 27, 2026
EPS Estimate
$0.71
Average shareholder expectationRevenue Estimate
$24.23 B
Average shareholder expectationInstitutional Put/Call Ratio
Market sentiment based on institutional option activity.
| Put/Call Ratio | 0.00000% |
|---|---|
| Total Calls | - |
| Total Puts | - |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 0.00%0% |
|---|---|
| Total Invested | $923,060▼ 9.53% |
| Investors Holding | 60% |
ESG Score
No data
About Bank of China Ltd.
310,898 employees
CEO: Haijiao Ge Bank of China Limited, along with its various affiliates, delivers a comprehensive array of banking and financial products and services. The institution's operations are strategically divided into six key divisions: Corporate Banking, Pe...