Bank Of Chongqing (SEHK:1963) Margin Expansion To 51.9% Reinforces Bullish Efficiency Narrative

Simply Wall St.

Mar 26

Bank of Chongqing (SEHK:1963) has wrapped up FY 2025 with fourth quarter revenue of C¥2,287.3 million and basic EPS of C¥0.18, while trailing twelve month revenue came in at C¥10,887.8 million with ...

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overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nBank Of Chongqing (SEHK:1963) Margin Expansion To 51.9% Reinforces Bullish Efficiency Narrative\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-03-26 22:06 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/hk/banks/hkg-1963/bank-of-chongqing-shares/news/bank-of-chongqing-sehk1963-margin-expansion-to-519-reinforce><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Bank of Chongqing (SEHK:1963) has wrapped up FY 2025 with fourth quarter revenue of C¥2,287.3 million and basic EPS of C¥0.18, while trailing twelve month revenue came in at C¥10,887.8 million with ...</p>\n\n<a href=\"https://simplywall.st/stocks/hk/banks/hkg-1963/bank-of-chongqing-shares/news/bank-of-chongqing-sehk1963-margin-expansion-to-519-reinforce\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"01963","symbol_name":"重庆银行","start_time":0,"source_url":"https://simplywall.st/stocks/hk/banks/hkg-1963/bank-of-chongqing-shares/news/bank-of-chongqing-sehk1963-margin-expansion-to-519-reinforce","article_id":"2622386038","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7013000-choice1-main-header/1585186561056"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/hk/banks/hkg-1963/bank-of-chongqing-shares/news/bank-of-chongqing-sehk1963-margin-expansion-to-519-reinforce","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2622386038","pubTimestamp":1774534016,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"Bank of Chongqing (SEHK:1963) has wrapped up FY 2025 with fourth quarter revenue of C¥2,287.3 million and basic EPS of C¥0.18, while trailing twelve month revenue came in at C¥10,887.8 million with EPS of C¥1.53. Over the past year, revenue has moved from C¥10,074.5 million to C¥10,887.8 million on a trailing basis, alongside an 18% rise in earnings and a net profit margin that lifted from 47.6% to 51.9%. This points to a business that is converting more of its top line into profit. For...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"601963":"重庆银行","01963":"重庆银行","BLSG":"2倍做多BLSH ETF-Leverage Shares","BLSX":"Tradr 2X Long BLSH Daily ETF","BK1560":"内银股","BK4112":"金融交易所和数据","BK1235":"区域性银行"},"translate_title":"重庆银行(SEHK：1963)利润率扩大至51.9%强化了看涨的效率叙事","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"601963":1.97,"BLSG":0.6,"01963":1.97,"BLSX":0.6},"content_text":"Bank of Chongqing (SEHK:1963) has wrapped up FY 2025 with fourth quarter revenue of C¥2,287.3 million and basic EPS of C¥0.18, while trailing twelve month revenue came in at C¥10,887.8 million with EPS of C¥1.53. Over the past year, revenue has moved from C¥10,074.5 million to C¥10,887.8 million on a trailing basis, alongside an 18% rise in earnings and a net profit margin that lifted from 47.6% to 51.9%. This points to a business that is converting more of its top line into profit. For investors, that combination of higher margin and earnings growth sets up this result as a clear indication of how efficiently the bank is running its franchise. See our full analysis for Bank of Chongqing. With the headline numbers in place, the next step is to set these results against the widely followed narratives around Bank of Chongqing to see which stories hold up and which ones the latest margins and earnings trends start to question. Curious how numbers become stories that shape markets? Explore Community Narratives SEHK:1963 Earnings & Revenue History as at Mar 2026 Advertisement51.9% net margin and cost control  On a trailing basis, net income of C¥5,654.2 million on C¥10,887.8 million of revenue translates to a 51.9% net profit margin, compared with 47.6% a year earlier when net income was C¥4,793.3 million on C¥10,074.5 million of revenue. What stands out for bullish investors is that this higher margin sits alongside a lower cost to income ratio of 23.61% in early FY 2025 versus 29.53% a year earlier. This supports the view that Bank of Chongqing is running a more efficient franchise even as earnings over the last 12 months grew 18%.\n     The combination of C¥5,654.2 million trailing net income and a 51.9% margin gives bulls concrete evidence that profitability is being maintained at a high level, not just lifted by one off items. At the same time, trailing EPS of C¥1.53 compared with C¥1.3795 a year earlier shows per share earnings moving in step with the stronger margin, which aligns with bullish arguments that recent performance quality is high.    Bulls who focus on efficiency and profit quality will likely want to see how this margin story fits into the longer term narrative for the bank, including how sustainable this cost to income profile looks alongside future growth plans. 📊 Read the what the Community is saying about Bank of Chongqing. Loan book growth with steady NPLs  Total loans on a trailing basis increased from C¥438.3b at FY 2024 Q4 to C¥498.6b at FY 2025 Q2, while reported non performing loans moved from C¥5,463.3 million to C¥5,840.2 million over the same snapshots, keeping non performing loans in the low single digit billions even as the book size is higher. Critics who lean bearish often focus on credit risk at regional banks, yet the data here shows non performing loans hovering between C¥5,441 million and C¥5,894 million across recent periods while total loans stepped up by about C¥60.3b. This challenges a more bearish view that asset quality is weakening sharply as the bank grows.\n     At FY 2025 Q3, non performing loans of C¥5,894 million sit next to trailing net income of C¥5,654.2 million, so annual profit roughly matches the stock of problem loans reported in the data. Across the last six trailing quarters, non performing loans remain within a relatively tight band, suggesting that reported credit issues have not surged even as revenue on a trailing basis moved from C¥9,683.4 million to C¥10,887.8 million.    Low 4.3x P/E and DCF gap  The shares trade on a P/E of 4.3x, below the peer average of 6.1x and the Hong Kong banks industry at 5.7x, while the current share price of HK$7.86 sits well under the supplied DCF fair value of HK$25.96, implying a very large gap between price and that valuation estimate. For bullish investors, this combination of a low 4.3x P/E and a share price far below the DCF fair value is often used to argue the bank is being priced cheaply. The trailing 18% earnings growth together with forecasts of about 20.3% annual revenue growth and roughly 10.2% annual earnings growth is used to support that bullish case, although the unstable dividend history in the data adds a point of caution for income focused investors.\n     The P/E discount versus peers and industry sits alongside a 51.9% trailing net margin, an unusual pairing of strong profitability metrics with a lower multiple than comparable banks. At the same time, the dividend track record is described as unstable, so while valuation metrics and growth forecasts back the bullish angle, income reliability is not as strong as the margin and P/E numbers might suggest.    If you want to see how bullish and cautious investors are interpreting that wide gap between the 4.3x P/E and the DCF fair value, the full narrative breaks it down in more detail: Curious how numbers become stories that shape markets? Explore Community Narratives Next Steps Don't just look at this quarter; the real story is in the long-term trend. We've done an in-depth analysis on Bank of Chongqing's growth and its valuation to see if today's price is a bargain. Add the company to your watchlist or portfolio now so you don't miss the next big move. Given the mix of positives and questions raised so far, it makes sense to look at the underlying data yourself and act while the details are fresh in mind. To balance the upside and downside, take a moment to review the 4 key rewards and 1 important warning sign. See What Else Is Out There For all the strong margins and low P/E, the unstable dividend history stands out as a weak spot for anyone relying on consistent income. If you care about reliable cash payouts, it makes sense to balance that dividend uncertainty by checking out income focused ideas using the 466 dividend fortresses.  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.Valuation is complex, but we're here to simplify it.Discover if Bank of Chongqing might be undervalued or overvalued with our detailed analysis, featuring fair value estimates, potential risks, dividends, insider trades, and its financial condition.Access Free AnalysisHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"1","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":0,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"}}}