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3988.HK

Strong BuySecond WindFLAG

Bank of China Limited · Financial Services · China · $229.4B · Avg Vol: $136M/d

90
StockRank
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Q
45
V
77
M
68
P/E (TTM)
6.9x
ROE
8.3%
D/E
0.9x
Dividend %
4.2%
Dir. Trades · 180d
None →
Buybacks · 180d
None →
AI CONVICTION THESIS

Bank of China has the weakest quality reading of the four Chinese banks in this batch at Q44 while showing V82, so the composite rests almost entirely on the discount. The same nameable risk applies as to its peers: property-sector credit exposure and state-directed lending are specific, disclosed pressures on this loan book, which withholds an APPROVE without justifying a REMOVE on a systemically important lender.

COMPANY DESCRIPTION

Bank of China Limited is one of China's "Big Four" state-owned commercial banks, offering a full spectrum of financial services including corporate banking, personal banking, treasury operations, and investment banking. The bank leverages its extensive domestic branch network and significant international presence, particularly in foreign exchange and trade finance, to maintain a systemic market position. Its status as a cornerstone of China's financial system provides a formidable competitive advantage.

FINANCIAL SUMMARY (HKD)

Year20212022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue707.4B684.7B728.3B737.0B769.6B2.1%671.9B828.3B881.8B7.0%
EPS (HKD)0.822.973.053.093.3442.1%0.883.463.593.8%
Shares294.4B83.6B83.6B83.6B83.6B-71.6%83.6B———
Debt2.0T2.2T2.6T3.0T3.3T12.8%10.6T———
Equity2.6T2.8T3.1T3.3T3.6T8.3%————
Op CF987.5B-25.6B956.1B645.2B950.9B-0.9%44.1B———
Inv CF-463.2B-13.7B-631.7B-943.8B-1.3T—————
Fin CF87.1B62.1B140.4B131.0B220.9B—————
Loading 1Y...
PRICE (1Y)+7.0%
0.660.690.720.750.77Jul 30Aug 20Sep 9
SMA 50SMA 200

Close
$0.7544
RSI (14)
71.7
52W High
$0.7831
From 52W High
1.0%

SCORE BREAKDOWN

Quality
45
ROIC (ROA)
0.7%*28.0
ROE
8.3%41.5
GP/Assets
1.5%N/A
Op. Margin
56.8%76.3
FCF/Assets
2.6%N/A
Piotroski
446.2
Int. Cover
—50.0
D/E Ratio
0.91xN/A
Current Ratio
bankN/A
Value
77
P/E (TTM)
6.9x83.2
EV/EBITDA
bankN/A
P/FCF
1.6xN/A
P/B
0.5x91.6
P/S
2.9x62.0
Div Yield
4.2%56.6
Momentum
68
52W High %
96%80.3
RS 6M
36%94.6
SMA 50/200
1.11x74.6
EPS Rev 4W
+1.9%62.9
EPS Rev 12W
+2.9%75.3
EPS Improve
+6%26.9
Q Growth
6%34.5

FUNDAMENTALS

Market Cap
$229.4B
P/E (Forward)
6.5x
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of 3988.HK are excluded.

TickerCompanyMkt CapStockRankSignal
3988.HKBank of China Limited(you)$229.4B90Strong Buy
0939.HKChina Construction Bank Corporation$305.0B90Strong Buy
1288.HKAgricultural Bank of China Limited$277.9B87Strong Buy
1398.HKIndustrial and Commercial Bank of China Limited$338.5B91Strong Buy
H1SB34.SAHSBC Holdings plc$354.6B93Strong Buy
BBVA.MXBanco Bilbao Vizcaya Argentaria, S.A.$159.5B82Strong Buy
3328.HKBank of Communications Co., Ltd.$84.7B90Strong Buy
BNC.LBanco Santander, S.A.$212.9B68Buy
UBSN.MXUBS Group AG$161.8B74Buy
BCY.DEBarclays PLC$90.5B82Strong Buy

Peer medians: ROE 9.9% · P/E 12.8x · Gross margin 81.8%

Bank of China Limited (3988.HK): Stock Score Summary

Bank of China Limited (3988.HK) has a MoatMap StockRank of 90/100 based on Quality (45/100), Value (77/100), and Momentum (68/100) factor scores. The current signal is STRONG BUY. Bank of China has the weakest quality reading of the four Chinese banks in this batch at Q44 while showing V82, so the composite rests almost entirely on the discount. The same nameable risk applies as to its peers: property-sector credit exposure and state-directed lending are specific, disclosed pressures on this loan book, which withholds an APPROVE without justifying a REMOVE on a systemically important lender.

Bank of China Limited is one of China's "Big Four" state-owned commercial banks, offering a full spectrum of financial services including corporate banking, personal banking, treasury operations, and investment banking. The bank leverages its extensive domestic branch network and significant international presence, particularly in foreign exchange and trade finance, to maintain a systemic market position. Its status as a cornerstone of China's financial system provides a formidable competitive advantage.

Key Financial Metrics

Price$0.75
Market Cap$229.4B
P/E (TTM)6.89
P/E (Forward)6.52
Price/Book0.52
Return on Equity8.3%
Debt/Equity0.91x
Operating Margin56.8%
Revenue Growth5.3%
Dividend Yield4.2%
Free Cash Flow$145.9B

Bank of China Limited operates in the Banks - Diversified industry, part of the Financial Services sector (China).

Frequently Asked Questions

What is Bank of China Limited’s (3988.HK) StockRank?
MoatMap’s StockRank for Bank of China Limited (3988.HK) is 90/100, with a Strong Buy signal. It is a composite of Quality (45), Value (77), and Momentum (68) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Bank of China Limited have an economic moat?
Bank of China Limited (3988.HK) has a Quality factor score of 45/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Bank of China Limited a buy, hold, or sell?
MoatMap’s current signal for Bank of China Limited (3988.HK) is Strong Buy, based on a StockRank of 90/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Bank of China Limited in?
Bank of China Limited (3988.HK) operates in the Financial Services sector, specifically the Banks - Diversified industry (China).
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