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China Minsheng Banking Corp., Ltd. (600016.SS)

CNY3.47 +0.07 (+2.06%)
CN SHH Financial Services Banks - Regional
Address China Minsheng Bank Building 100031
Beijing, CN
CEO Yingxin Gao
IPO 2000-12-19
ISIN CNE0000015Y0

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Also trades on Hong Kong Stock Exchange · 1988.HK (HKD) Other OTC · CGMBF (USD) Other OTC · CMAKY (USD) Shanghai Stock Exchange · 600016.SS (CNY)
Description

China Minsheng Banking Corp., Ltd. (CMBC) is a prominent financial services provider operating throughout the People's Republic of China. The bank caters to a diverse clientele, including individuals, small and micro-enterprises, large corporate entities, government agencies, and other financial institutions. CMBC structures its operations primarily across Corporate Banking, Retail Banking, and an "Others" segment. It offers a comprehensive suite of banking products, starting with various deposit accounts such as savings, certificates of deposit, and specialized corporate and individual term and current deposits. Its lending solutions encompass personal housing mortgages, automobile and consumption loans, home loans, and a range of medium-to-long term and short-term working capital facilities for businesses, alongside micro-credit specifically for individuals. Customers also have access to debit and credit cards, and secure safe deposit boxes. Digital banking is a key offering, with internet, mobile, and telephone banking services readily available, complemented by essential payment, collection, and clearing services. For its corporate and institutional clients, CMBC provides a robust array of specialized services including gross settlement, payroll distribution, letters of guarantee, cash management, trade finance, and industrial chain finance. Furthermore, the bank specializes in comprehensive credit granting, a full spectrum of foreign exchange services (such as settlement, remittance, and guarantee letters), financial product investment, and trust financing. Beyond traditional banking, CMBC extends its services into areas like convenient finance, investment banking, and asset management. Distinctively, it also engages in non-financial services, with offerings in education, business travel, arts, luxury lifestyle, health, club memberships, and sports-related areas. As of December 31, 2021, CMBC boasted an extensive physical footprint across China, comprising approximately 140 branch-level institutions and over 2,500 additional business outlets, including community and small business sub-branches. Established in 1996, China Minsheng Banking Corp., Ltd. maintains its headquarters in Beijing, People's Republic of China.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
CNY3.47 +0.07 (+2.06%)
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Volume Profile
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Liquidity & share structure
Average Volume
196M
Beta
0.23
Float Shares
27.36B
Free Float %
62.5%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+2.01% +0.85% -4.05% -8.51% -13.20% -7.31% -18.39% -9.44% -24.79% -52.41% +294.31%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
3.47
Ratings Trend (MoM) 24% Bullish
Rating 2024-11 Change
Strong Buy 0 0
Buy 5 0
Hold 6 0
Sell 9 0
Strong Sell 1 0
Quality scores
Altman Z-Score
0.12
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
2 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    -8.0% Q1'26: -6.6% (vs Q1'25)
  • EPS growth
    +9.4% Q1'26: -10.3% (vs Q1'25)
  • FCF margin
    Q1'26: +0.4% (vs Q1'25)
  • EBIT margin
    Q1'26: +19.8% (vs Q1'25)
  • ROIC
    Q1'26: +1.6% (vs Q1'25)
  • Share dilution
    +0.0% Q1'26: -0.4% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 50.33× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.27) × ERP
WACC = 12% × Ke + 88% × Kd (11.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 3.47
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
5 Rev. Ana.
2 EPS Ana.
Dec 2027
6 Rev. Ana.
7 EPS Ana.
Dec 2028
4 Rev. Ana.
4 EPS Ana.
Revenue
263.54B
est: 152.46B (+72.9%)
264.39B
est: 154.90B (+70.7%)
288.64B
est: 142.37B (+102.7%)
315.44B
est: 154.70B (+103.9%)
333.22B
est: 175.94B (+89.4%)
336.32B
est: 191.87B (+75.3%)
320.71B
est: 165.55B (+93.7%)
297.95B
est: 142.04B (+109.8%)
305.51B
est: 91.52B (+233.8%)
288.69B
est: 136.89B (+110.9%)
265.59B
est: 142.36B (+86.6%)
145.00B
143.09B – 148.71B
+1.9% YoY
150.54B
145.75B – 158.33B
+3.8% YoY
157.07B
152.52B – 161.62B
+4.3% YoY
EBITDA
64.06B
est: 21.79B (+194.0%)
63.60B
est: 22.14B (+187.3%)
64.27B
est: 20.34B (+215.9%)
65.08B
est: 22.11B (+194.4%)
71.18B
est: 25.14B (+183.1%)
44.31B
est: 27.42B (+61.6%)
43.01B
est: 23.66B (+81.8%)
44.98B
est: 20.30B (+121.6%)
45.67B
est: 13.48B (+238.7%)
42.80B
est: 20.17B (+112.2%)
40.87B
est: 20.98B (+94.9%)
21.36B
21.08B – 21.91B
+1.9% YoY
22.18B
21.47B – 23.33B
+3.8% YoY
23.14B
22.47B – 23.81B
+4.3% YoY
EBIT
60.77B
est: 17.85B (+240.6%)
60.25B
est: 18.13B (+232.3%)
60.56B
est: 16.66B (+263.4%)
58.79B
est: 18.11B (+224.6%)
64.74B
est: 20.59B (+214.4%)
36.71B
est: 22.46B (+63.4%)
35.60B
est: 19.38B (+83.7%)
37.17B
est: 16.63B (+123.6%)
37.36B
est: 10.94B (+241.5%)
34.09B
est: 16.36B (+108.3%)
32.26B
est: 17.01B (+89.6%)
17.33B
17.10B – 17.77B
+1.9% YoY
17.99B
17.42B – 18.92B
+3.8% YoY
18.77B
18.23B – 19.32B
+4.3% YoY
Net Income
46.11B
est: 46.66B (-1.2%)
47.84B
est: 46.28B (+3.4%)
49.81B
est: 48.76B (+2.2%)
50.33B
est: 53.61B (-6.1%)
53.82B
est: 53.30B (+1.0%)
34.31B
est: 46.18B (-25.7%)
34.38B
est: 31.09B (+10.6%)
35.27B
est: 31.08B (+13.5%)
35.82B
est: 30.20B (+18.6%)
32.30B
est: 32.21B (+0.3%)
30.56B
est: 28.85B (+5.9%)
29.23B
27.72B – 29.99B
+1.3% YoY
30.36B
27.74B – 31.91B
+3.9% YoY
29.64B
27.46B – 34.72B
-2.4% YoY
SGA
15.57B
est: 15.28B (+1.8%)
15.00B
est: 15.53B (-3.4%)
15.12B
est: 14.27B (+6.0%)
14.04B
est: 15.51B (-9.5%)
16.19B
est: 17.64B (-8.2%)
16.35B
est: 19.23B (-15.0%)
41.16B
est: 16.60B (+148.0%)
42.38B
est: 14.24B (+197.7%)
41.68B
est: 11.80B (+253.2%)
13.16B
est: 17.65B (-25.4%)
51.01B
est: 18.36B (+177.9%)
18.69B
18.45B – 19.17B
+1.9% YoY
19.41B
18.79B – 20.41B
+3.8% YoY
20.25B
19.67B – 20.84B
+4.3% YoY
EPS
1.08
est: 1.07 (+1.3%)
1.09
est: 1.06 (+3.1%)
1.13
est: 1.11 (+1.5%)
1.14
est: 1.22 (-6.9%)
1.22
est: 1.22 (+0.2%)
0.78
est: 1.05 (-26.0%)
0.71
est: 0.71 (+0.0%)
0.71
est: 0.71 (+0.0%)
0.72
est: 0.69 (+4.4%)
0.64
est: 0.73 (-12.1%)
0.70
est: 0.65 (+7.4%)
0.65
0.63 – 0.69
+0.0% YoY
0.68
0.63 – 0.73
+4.0% YoY
0.70
0.63 – 0.79
+3.4% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B 3/5 4/5 2/5 2/5 1/5 4/5 4/5
2026-05-28 B 3/5 4/5 2/5 2/5 1/5 4/5 4/5
2026-05-27 B 3/5 4/5 2/5 2/5 1/5 4/5 4/5
2026-05-26 B 3/5 4/5 2/5 2/5 1/5 4/5 4/5
2026-05-25 B 3/5 4/5 2/5 2/5 1/5 4/5 4/5
2026-05-22 B 3/5 4/5 2/5 2/5 1/5 4/5 4/5
2026-05-21 B 3/5 4/5 2/5 2/5 1/5 4/5 4/5
2026-05-20 B 3/5 4/5 2/5 2/5 1/5 4/5 4/5
2026-05-19 B 3/5 4/5 2/5 2/5 1/5 4/5 4/5
2026-05-18 B 3/5 4/5 2/5 2/5 1/5 4/5 4/5
2026-05-15 B 3/5 4/5 2/5 2/5 1/5 4/5 4/5
2026-05-14 B 3/5 4/5 2/5 2/5 1/5 4/5 4/5
2026-05-13 B 3/5 4/5 2/5 2/5 1/5 4/5 4/5
2026-05-12 B 3/5 4/5 2/5 2/5 1/5 4/5 4/5
2026-05-11 B 3/5 4/5 2/5 2/5 1/5 4/5 4/5
2026-05-08 B 3/5 3/5 2/5 2/5 1/5 4/5 4/5
2026-05-07 B 3/5 3/5 2/5 2/5 1/5 4/5 4/5
2026-05-06 B 3/5 3/5 2/5 2/5 1/5 4/5 4/5
2026-04-30 B+ 3/5 4/5 2/5 3/5 1/5 4/5 4/5
2026-04-29 B+ 3/5 4/5 2/5 3/5 1/5 4/5 4/5
2026-04-28 B+ 3/5 4/5 2/5 3/5 1/5 4/5 4/5
2026-04-27 B+ 3/5 4/5 2/5 3/5 1/5 4/5 4/5
2026-04-24 B+ 3/5 4/5 2/5 3/5 1/5 4/5 4/5
2026-04-23 A- 4/5 4/5 2/5 4/5 1/5 4/5 5/5
2026-04-22 A- 4/5 4/5 2/5 4/5 1/5 4/5 5/5
2026-04-21 A- 4/5 4/5 2/5 4/5 1/5 4/5 5/5
2026-04-20 A- 4/5 4/5 2/5 4/5 1/5 4/5 5/5
2026-04-17 A- 4/5 4/5 3/5 4/5 1/5 4/5 5/5
2026-04-16 A- 4/5 4/5 3/5 4/5 1/5 4/5 5/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-309.96B
OE per share TTM
-7.08
Owner's Yield
-199.42%
Maintenance CapEx ratio
35.51%
Maint CapEx / Avg PPE
21.0%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 143 ETFs in our universe

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
508.1K
Shares Outstanding
43.78B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Yingxin Gao Executive Chairman of the Board 3M male
Xiaoyong Wang President & Executive Vice Chairman 3M male
Juntong Zhang Executive Vice President & Executive Director 3M male
Honggang Wang Company Secretary male
Hongri Huang Executive VP & Chief Compliance Officer male
Jun Cong President of Shanghai Branch
Wenshi Li Executive Vice President male
Bin Li Executive Vice President & Board Secretary female
Yunshan Lin Executive Vice President male
Bin Zhang Chief Information Officer male
Dai Guo General Manager of the Credit Management Department
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits