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Bank of Communications Co., Ltd. (601328.SS)

CNY6.61 -0.07 (-1.05%)
CN SHH Financial Services Banks - Diversified
Address 188 Yin Cheng Zhong Lu 200120
Shanghai, CN
CEO Deqi Ren
IPO 2007-05-15
ISIN CNE1000000S2

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Also trades on Hong Kong Stock Exchange · 3328.HK (HKD) Other OTC · BCMXY (USD) Other OTC · BKFCF (USD) Shanghai Stock Exchange · 601328.SS (CNY)
Description

Bank of Communications Co., Ltd. (BoCom) functions as a comprehensive commercial bank, delivering a broad spectrum of financial products and services. For its individual clientele, BoCom offers various deposit accounts, including demand, time, call, foreign currency, and specific education deposits, alongside certificates of deposit. It also provides credit and debit cards, personal and housing loans, and supports wealth management through diverse investment vehicles and expert advisory. The corporate banking sector benefits from structured demand and time deposits, advanced cash management solutions covering accounts receivable/payable, liquidity optimization, and investment/financing strategies. BoCom's services for businesses further encompass a range of financing options, including syndicated loans and overdrafts, efficient settlement and risk management tools, and investment banking expertise. International trade is facilitated through offshore banking, which includes foreign exchange deposits and loans, inter-bank lending, global settlement services, forex trading and guarantees, and specialized advisory. Additionally, the bank offers precious metal leasing and commodity trading. Beyond these core segments, BoCom also provides international banking services, featuring corporate foreign exchange wealth management, import and export settlement, documentary services, remittances, trade finance, and further offshore banking functionalities. The institution extends its offerings to specialized financial services such as treasury operations, asset management, trustee services, insurance products, financial leasing, and debt-to-equity swaps, all readily accessible through its cutting-edge e-banking platforms. Complementary services include trust investment, fund management, securities dealing and brokerage, and reinsurance. With a substantial global presence, Bank of Communications operates an extensive network of 245 branches and 3,025 banking outlets within Mainland China. Its international operations include 22 branches, 68 additional overseas banking outlets, and representative offices across 17 different countries. The company was founded in 1908 and its headquarters are located in Shanghai, 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
CNY6.61 -0.07 (-1.05%)
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Volume Profile
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Liquidity & share structure
Average Volume
168M
Beta
0.10
Float Shares
6.30B
Free Float %
7.1%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% -0.89% -1.91% -0.89% -10.47% -8.00% -12.24% +14.41% +35.02% +27.05% -43.67%
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
6.61
Ratings Trend (MoM) 36% Bullish
Rating 2024-11 Change
Strong Buy 2 0
Buy 6 0
Hold 5 0
Sell 8 0
Strong Sell 1 0
Quality scores
Altman Z-Score
0.12
Distress
Piotroski F-Score
4 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
✗ Below peers
  • Revenue growth Banks - Diversified: +4.3%
    -2.2% Q1'26: +137.1% (vs Q1'25)
  • EPS growth Banks - Diversified: +17.7%
    +1.1% Q1'26: -11.8% (vs Q1'25)
  • FCF margin Banks - Diversified: +154.0%
    -57.2% Q1'26: +15.3% (vs Q1'25)
  • EBIT margin Banks - Diversified: +20.4%
    +19.2% Q1'26: +23.4% (vs Q1'25)
  • ROIC Banks - Diversified: +2.3%
    +2.2% Q1'26: +2.6% (vs Q1'25)
  • Share dilution Banks - Diversified: +3.0%
    +0.0% Q1'26: +19.0% (vs Q1'25)
  • Debt / EBITDA Banks - Diversified: 3.66×
    37.70× Q1'26: 29.95× (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 (0.11) × ERP
WACC = 11% × Ke + 89% × Kd (5.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 6.61
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
11 Rev. Ana.
7 EPS Ana.
Dec 2027
12 Rev. Ana.
7 EPS Ana.
Dec 2028
6 Rev. Ana.
10 EPS Ana.
Revenue
166.88B
est: 188.55B (-11.5%)
164.91B
est: 190.46B (-13.4%)
164.94B
est: 190.10B (-13.2%)
169.48B
est: 202.73B (-16.4%)
180.87B
est: 227.73B (-20.6%)
184.49B
est: 236.35B (-21.9%)
202.74B
est: 252.00B (-19.5%)
196.38B
est: 263.37B (-25.4%)
552.18B
est: 261.41B (+111.2%)
540.31B
est: 254.60B (+112.2%)
262.09B
est: 261.76B (+0.1%)
273.16B
267.93B – 278.45B
+4.4% YoY
285.28B
258.11B – 299.05B
+4.4% YoY
298.18B
280.91B – 308.35B
+4.5% YoY
EBITDA
153.75B
est: 78.02B (+97.1%)
est: 78.81B (-100.0%)
82.93B
est: 78.66B (+5.4%)
86.17B
est: 83.89B (+2.7%)
95.89B
est: 94.23B (+1.8%)
94.09B
est: 97.80B (-3.8%)
108.80B
est: 104.27B (+4.3%)
114.27B
est: 108.98B (+4.9%)
117.62B
est: 108.16B (+8.7%)
122.85B
est: 103.33B (+18.9%)
123.28B
est: 106.24B (+16.0%)
110.86B
108.74B – 113.01B
+4.4% YoY
115.78B
104.76B – 121.37B
+4.4% YoY
121.02B
114.01B – 125.14B
+4.5% YoY
EBIT
-7.20B
est: 67.95B (-110.6%)
-7.94B
est: 68.63B (-111.6%)
82.93B
est: 68.50B (+21.1%)
86.17B
est: 73.05B (+18.0%)
87.79B
est: 82.06B (+7.0%)
86.20B
est: 85.17B (+1.2%)
93.96B
est: 90.81B (+3.5%)
98.12B
est: 94.90B (+3.4%)
99.34B
est: 94.20B (+5.5%)
103.48B
est: 88.02B (+17.6%)
103.76B
est: 90.49B (+14.7%)
94.43B
92.62B – 96.26B
+4.4% YoY
98.62B
89.23B – 103.38B
+4.4% YoY
103.08B
97.11B – 106.60B
+4.5% YoY
Net Income
66.53B
est: 65.65B (+1.3%)
67.21B
est: 66.32B (+1.3%)
70.22B
est: 67.32B (+4.3%)
73.63B
est: 70.81B (+4.0%)
77.28B
est: 75.11B (+2.9%)
78.27B
est: 69.54B (+12.6%)
87.58B
est: 82.09B (+6.7%)
92.10B
est: 86.85B (+6.0%)
92.73B
est: 88.02B (+5.3%)
93.59B
est: 106.53B (-12.1%)
95.62B
est: 96.13B (-0.5%)
94.63B
87.51B – 98.82B
-1.6% YoY
96.56B
89.29B – 100.84B
+2.0% YoY
103.97B
96.14B – 108.57B
+7.7% YoY
SGA
58.01B
est: 50.73B (+14.4%)
60.29B
est: 51.24B (+17.7%)
60.41B
est: 51.15B (+18.1%)
64.04B
est: 54.54B (+17.4%)
66.56B
est: 61.27B (+8.6%)
66.00B
est: 63.59B (+3.8%)
74.55B
est: 67.80B (+9.9%)
76.83B
est: 70.86B (+8.4%)
91.17B
est: 70.33B (+29.6%)
34.29B
est: 61.96B (-44.7%)
60.11B
est: 63.70B (-5.6%)
66.48B
65.20B – 67.77B
+4.4% YoY
69.43B
62.82B – 72.78B
+4.4% YoY
72.57B
68.37B – 75.04B
+4.5% YoY
EPS
0.90
est: 0.88 (+1.8%)
0.89
est: 0.89 (-0.3%)
0.91
est: 0.91 (+0.4%)
0.96
est: 0.95 (+0.3%)
1.00
est: 1.01 (-1.1%)
0.99
est: 0.94 (+5.7%)
1.10
est: 1.11 (-0.5%)
1.14
est: 1.17 (-2.5%)
1.15
est: 1.19 (-3.1%)
1.16
est: 1.19 (-2.7%)
1.08
est: 1.08 (+0.4%)
1.06
0.98 – 1.11
-1.6% YoY
1.08
1.00 – 1.13
+2.0% YoY
1.16
1.08 – 1.21
+7.7% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-12 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-05-11 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-05-08 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-05-07 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-05-06 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-04-30 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-04-29 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-04-28 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-04-27 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-04-24 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-04-23 A- 4/5 4/5 3/5 4/5 1/5 4/5 4/5
2026-04-22 A- 4/5 4/5 3/5 4/5 1/5 4/5 4/5
2026-04-21 A- 4/5 4/5 3/5 4/5 1/5 4/5 4/5
2026-04-20 A- 4/5 4/5 3/5 4/5 1/5 4/5 4/5
2026-04-17 A- 4/5 4/5 3/5 4/5 1/5 4/5 4/5
2026-04-16 A- 4/5 4/5 3/5 4/5 1/5 4/5 4/5
2026-04-15 A- 4/5 4/5 3/5 4/5 1/5 4/5 4/5
2026-04-14 A- 4/5 4/5 3/5 4/5 1/5 4/5 4/5
2026-04-13 A- 4/5 4/5 3/5 4/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-475.68B
OE per share TTM
-5.66
Owner's Yield
-80.23%
Maintenance CapEx ratio
149.67%
Maint CapEx / Avg PPE
67.1%

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.

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
1.08M
Shares Outstanding
88.36B

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
Jianjun Liu Chief Risk Officer 1M male
Hong Tu Chief Business Officer of Inter-bank & Market Business Sector and President of Shanghai Branch 1M male
Zhaobin He Company Secretary 1M male
Hua Lin Chief Business Officer of Retail & Private Business Sector 1M male
Gu Bin Executive Vice President 1M male
Deqi Ren Executive Chairman of the Board 944.6K male
Baojiang Zhang Executive Vice Chairman & President 922.0K male
Bin Qian Executive Vice President & Chief Information Officer 879.1K male
Jiuyong Yin Executive Vice President & Executive Director 871.6K male
Wanfu Zhou Executive Vice President & Executive Director 871.6K male
Sheng Gu GM of HR Department 104.7K male
Eric Pan Senior Manager, IR Division male
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