In short
Bank of Communications Co., Ltd. (3328.HK) has revenue up 2.0% to CNY 263.6B and net income up 2.2% to CNY 95.6B year on year. Its net margin is 36.3%, and it trades at 7.3× trailing earnings. Fisclear found no medium- or high-severity risk flags in this filing. How we calculate this
Valuation
Financial ServicesLive · Yahoo FinancePrice
HK$8.39
HK$741.4B
4.38%
52-Week Range
4-engine score — Quality and Peers engines require SEC EDGAR (US stocks only)
P/E 7.4× — low multiple.
FCF yield 12.0% — 7.0pp above risk-free.
FCF yield 12.0% — strong cash generation.
Based on filing period ending Dec 2025
International FisclearScore uses 4 engines (no EDGAR data). Based on Yahoo Finance & Alpha Vantage reported financials. Not financial advice.
🇭🇰 Hong Kong Macro Indicators
Full dashboard →CPI Inflation
1.44%→
Near target
GDP Growth
3.49%↑
Strong
USD/HKD
7.85→
Current Account
12.25% GDP↑
Surplus
CPI inflation is 1.4% year-over-year (inflation near target); GDP growth is 3.5% year-over-year (moderate growth); USD/HKD is at 7.8470.
SWOT Analysis — 3328.HK
Inflationary BoomStrengths
Operating Cash Flow: CNY 132.4B (+330.9% YoY) — Operating cash flow grew 331% — the business generated more cash from day-to-day operations.
Weaknesses
EPS (Diluted): CNY 1.08 (-6.9% YoY) — Earnings per share fell 7%.
Stock is near its 52-week high (8.47) — the price reflects strong recent momentum, but entry risk is elevated at these levels.
Price-to-book ratio of 0.54x — stock trades below book value, which may indicate market concerns about asset quality or profitability.
Opportunities
Total Assets: CNY 15.5T (+4.3% YoY) — Total assets grew 4% — the company's resource base expanded.
Net Income: CNY 95.6B (+2.2% YoY) — Profit grew 2% — the company kept more of each dollar earned.
Revenue: CNY 263.6B (+2.0% YoY) — Revenue grew 2% — the company sold more goods or services than the prior year.
Threats
No significant threats flagged.
Financial Charts
Year-over-Year Changes
Operating Cash Flow
CNY 132.4B
was -CNY 57.3B
Operating cash flow grew 331% — the business generated more cash from day-to-day operations.
EPS (Diluted)
CNY 1.08
was CNY 1.16
Earnings per share fell 7%.
Total Assets
CNY 15.5T
was CNY 14.9T
Total assets grew 4% — the company's resource base expanded.
Net Income
CNY 95.6B
was CNY 93.6B
Profit grew 2% — the company kept more of each dollar earned.
Revenue
CNY 263.6B
was CNY 258.4B
Revenue grew 2% — the company sold more goods or services than the prior year.
Risk Flags
0 high · 0 medium · 2 low- ○ Low
Stock is near its 52-week high (8.47) — the price reflects strong recent momentum, but entry risk is elevated at these levels.
- ○ Low
Price-to-book ratio of 0.54x — stock trades below book value, which may indicate market concerns about asset quality or profitability.
Price HistoryHKD
Technical Signals
Daily closes · 1-year dataLatest News
via FinnhubGet the weekly digest
5 company reports + macro context every week, free. No spam.
- Unlimited goal simulations
- 5 free company report summaries per day
- Weekly financial insights newsletter
External Links
Research Bank of Communications Co., Ltd.
Data sourced from HKEX, FRED (Federal Reserve), OECD, BIS, and Yahoo Finance. For informational purposes only. Not financial advice.