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Market Price

15.70 

0.14 0.9%

as of Dec 02 '22

52 Week Range:

13.96 21.61


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Hang Seng Bank Limited, together with its subsidiaries, provides various banking and related financial services to individual, corporate, commercial, small and medium-sized enterprise, and institutional customers in Hong Kong, Mainland China, and internationally. It operates through four segments: Wealth and Personal Banking, Commercial Banking, Global Banking and Markets, and Other. The company offers personal banking services, including current and savings accounts, time deposits, mortgages and personal loans, credit cards, and insurance, investment, and other wealth management services, as well as consumer lending services. It also provides corporate lending, trade and receivable finance, payments and cash management, treasury and foreign exchange, general insurance, key-person insurance, investment services, and corporate wealth management; and general banking, corporate lending, interest rates, foreign exchange, money markets, structured products and derivatives, etc. In addition, the company offers retirement benefits, life assurance, fund management, and stock broking services, as well as index compilation and licensing; fund raising and sales; and asset management services. It operates approximately 280 service outlets in Hong Kong; branches in Macau and Singapore; and a representative office in Taipei, Taiwan. Hang Seng Bank Limited, through its subsidiary, Hang Seng Bank (China) Limited, also operates a network of outlets in approximately 20 cities in Mainland China. The company was founded in 1933 and is headquartered in Central, Hong Kong. Hang Seng Bank Limited is a subsidiary of The Hongkong and Shanghai Banking Corporation Limited.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Equity (BVPS) 4.96
6.23
6.88
7.38
9.41
9.22
9.69
10.39
11.60
11.88
12.32
growth rate 25.6% 10.4% 7.3% 27.5% -2.0% 5.1% 7.2% 11.7% 2.4% 3.7%
Earnings BIT 2,476.17
2,849.98
3,673.65
growth rate 15.1% 28.9%
Avg.PE 10.52
11.82
9.05
17.74
9.57
20.15
18.14
14.69
14.69
14.69
14.69
growth rate 12.4% -23.4% 96.0% -46.1% 110.6% -10.0% -19.0% 0.0% 0.0% 0.0%
ROA 1.76
1.89
2.40
1.26
2.12
1.17
1.40
1.59
1.53
0.97
0.78
growth rate 7.4% 27.0% -47.5% 68.3% -44.8% 19.7% 13.6% -3.8% -36.6% -19.6%
ROE 22.42
22.71
26.66
12.25
19.56
11.23
13.68
15.42
14.57
9.22
7.60
growth rate 1.3% 17.4% -54.1% 59.7% -42.6% 21.8% 12.7% -5.5% -36.7% -17.6%
ROIC 27.22
27.76
31.55
16.60
growth rate 2.0% 13.7% -47.4%
Leverage 12.39
11.67
10.61
9.08
9.40
9.79
9.72
9.69
9.38
9.61
9.87
growth rate -5.8% -9.1% -14.4% 3.5% 4.2% -0.7% -0.3% -3.2% 2.5% 2.7%
Balance Sheet Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Acct.Receivable 5,182.00
5,650.00
growth rate 4.4%
Acct.Payable 800,283.00
845,423.00
919,766.00
985,499.00
1,011,098.00
1,079,606.00
1,191,477.00
1,249,651.00
1,313,271.00
1,341,128.00
growth rate 5.6% 8.8% 7.2% 2.6% 6.8% 10.4% 4.9% 5.1% 2.1%
Cur.Assets 232,784.00
231,834.00
238,075.00
218,061.00
207,369.00
238,386.00
218,068.00
199,864.00
213,677.00
228,173.00
growth rate -0.4% 2.7% -8.4% -4.9% 15.0% -8.5% -8.4% 6.9% 6.8%
Total Assets 125,763.22
1,077,096.00
1,143,730.00
1,263,990.00
1,334,429.00
1,377,242.00
1,478,418.00
1,571,297.00
1,676,991.00
1,759,787.00
1,820,185.00
growth rate 756.5% 6.2% 10.5% 5.6% 3.2% 7.4% 6.3% 6.7% 4.9% 3.4%
Cash 83,129.00
77,991.00
84,793.00
71,551.00
55,856.00
102,198.00
109,742.00
88,557.00
96,603.00
84,640.00
growth rate -6.2% 8.7% -15.6% -21.9% 83.0% 7.4% -19.3% 9.1% -12.4%
Inventory 16.00
9.00
6.00
33.00
24.00
42.00
18.00
19.00
28.00
35.00
growth rate -43.8% -33.3% 450.0% -27.3% 75.0% -57.1% 5.6% 47.4% 25.0%
Cur.Liabilities 881,508.00
930,148.00
1,016,271.00
1,077,745.00
1,115,240.00
1,199,608.00
1,256,608.00
1,321,535.00
1,390,891.00
1,437,279.00
growth rate 5.5% 9.3% 6.1% 3.5% 7.6% 4.8% 5.2% 5.3% 3.3%
Liabilities 115,498.40
984,773.00
1,035,952.00
1,124,797.00
1,192,448.00
1,236,556.00
1,326,339.00
1,409,190.00
1,498,074.00
1,576,592.00
1,635,769.00
growth rate 752.6% 5.2% 8.6% 6.0% 3.7% 7.3% 6.3% 6.3% 5.2% 3.8%
LT Debt 11,821.00
11,824.00
7,063.00
3,516.00
2,327.00
2,404.00
22,133.00
23,859.00
28,293.00
growth rate 0.0% -40.3% -50.2% -33.8% 1.6% 820.7% 7.8% 18.6%
Equity 10,264.82
11,900.43
107,778.00
139,193.00
141,981.00
140,626.00
152,030.00
162,082.00
178,810.00
183,100.00
184,332.00
growth rate 15.9% 805.7% 29.2% 2.0% -1.0% 8.1% 6.6% 10.3% 2.4% 0.7%
Common Shares 1,912.00
1,912.00
1,912.00
1,912.00
1,912.00
1,912.00
1,912.00
9,658.00
9,658.00
9,658.00
9,658.00
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 405.1% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Capital Expenditures 54.40
359.00
3,589.00
682.00
1,492.00
899.00
721.00
892.00
1,734.00
2,110.00
2,146.00
growth rate 560.0% 899.7% -81.0% 118.8% -39.8% -19.8% 23.7% 94.4% 21.7% 1.7%
Cash Dividends 1,281.52
1,281.52
10,133.00
10,515.00
11,016.00
11,243.00
12,624.00
13,800.00
15,256.00
13,508.00
12,365.00
growth rate 0.0% 690.7% 3.8% 4.8% 2.1% 12.3% 9.3% 10.6% -11.5% -8.5%
Cash From OA -22,021.00
-70,309.00
-48,206.00
20,278.00
-65,580.00
-47,504.00
-35,224.00
20,897.00
-46,380.00
growth rate 0.0% 0.0% 100.0% -100.0% 0.0% 0.0% 100.0% -100.0%
FCF per Share -0.41
-0.41
-0.73
0.80
3.18
-0.77
0.35
0.56
2.01
4.10
-1.51
growth rate 0.0% 0.0% 100.0% 297.5% -100.0% 100.0% 60.0% 258.9% 104.0% -100.0%
Sale Purchase of Stock 6,981.00
6,981.00
growth rate 0.0%
FCF -19,999.00
-6,068.00
19,513.00
1,537.00
12,717.00
2,727.00
4,082.00
34,123.00
25,306.00
80,563.00
-16,325.00
growth rate 0.0% 100.0% -92.1% 727.4% -78.6% 49.7% 735.9% -25.8% 218.4% -100.0%
Income Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Sales 2,856.04
23,530.00
34,667.00
25,839.00
37,413.00
27,053.00
33,405.00
38,895.00
37,118.00
31,248.00
30,563.00
growth rate 723.9% 47.3% -25.5% 44.8% -27.7% 23.5% 16.4% -4.6% -15.8% -2.2%
Op.Income 1,827.93
19,327.00
25,677.00
16,337.00
27,041.00
16,906.00
22,744.00
26,851.00
24,225.00
18,340.00
16,901.00
growth rate 957.3% 32.9% -36.4% 65.5% -37.5% 34.5% 18.1% -9.8% -24.3% -7.9%
IBT 28,496.00
18,049.00
30,488.00
19,090.00
23,674.00
28,432.00
28,813.00
19,414.00
16,385.00
growth rate -36.7% 68.9% -37.4% 24.0% 20.1% 1.3% -32.6% -15.6%
Net Income 2,176.48
19,327.00
26,678.00
15,131.00
27,494.00
16,212.00
20,018.00
24,211.00
24,840.00
16,687.00
13,960.00
growth rate 788.0% 38.0% -43.3% 81.7% -41.0% 23.5% 21.0% 2.6% -32.8% -16.3%
EPS 8.83
10.11
13.95
7.91
14.22
8.30
10.30
12.48
12.77
8.36
6.93
growth rate 14.5% 38.0% -43.3% 79.8% -41.6% 24.1% 21.2% 2.3% -34.5% -17.1%
Gross Profit 23,530.00
34,667.00
25,839.00
37,413.00
27,053.00
33,405.00
38,895.00
37,118.00
31,248.00
30,563.00
growth rate 47.3% -25.5% 44.8% -27.7% 23.5% 16.4% -4.6% -15.8% -2.2%

Quarterly Statements

Item Name Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Balance Sheet
Acct.Receivable
growth rate
Acct.Payable 1,321,910.00
1,341,128.00
1,341,128.00
1,360,094.00
1,360,094.00
growth rate 1.5% 0.0% 1.4% 0.0%
Cur.Assets 167,117.00
228,173.00
228,173.00
199,878.00
199,878.00
growth rate 36.5% 0.0% -12.4% 0.0%
Total Assets 1,800,215.00
1,820,185.00
1,820,185.00
1,846,914.00
1,846,914.00
growth rate 1.1% 0.0% 1.5% 0.0%
Cash 41,974.00
84,640.00
84,640.00
51,108.00
51,108.00
growth rate 101.7% 0.0% -39.6% 0.0%
Inventory 39.00
35.00
35.00
87.00
87.00
growth rate -10.3% 0.0% 148.6% 0.0%
Cur.Liabilities 1,404,461.00
1,437,279.00
1,437,279.00
1,444,340.00
1,444,340.00
growth rate 2.3% 0.0% 0.5% 0.0%
Liabilities 1,616,448.00
1,635,769.00
1,635,769.00
1,664,344.00
1,664,344.00
growth rate 1.2% 0.0% 1.8% 0.0%
LT Debt 45,433.00
28,293.00
28,293.00
38,572.00
38,572.00
growth rate -37.7% 0.0% 36.3% 0.0%
Equity 183,677.00
184,332.00
184,332.00
182,496.00
182,496.00
growth rate 0.4% 0.0% -1.0% 0.0%
Common Shares 9,658.00
9,658.00
9,658.00
9,658.00
9,658.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Capital Expenditures 427.00
646.00
646.00
424.00
424.00
growth rate 51.3% 0.0% -34.4% 0.0%
Cash Dividends 3,868.00
2,314.50
2,314.50
2,531.00
2,531.00
growth rate -40.2% 0.0% 9.4% 0.0%
Cash From OA -28,490.50
5,300.50
5,300.50
17,749.50
17,749.50
growth rate 100.0% 0.0% 234.9% 0.0%
FCF -28,917.50
4,654.50
4,654.50
17,325.50
17,325.50
growth rate 100.0% 0.0% 272.2% 0.0%
Income Statement Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Sales 8,428.00
6,853.50
6,853.50
5,756.50
5,756.50
growth rate -18.7% 0.0% -16.0% 0.0%
Op.Income 5,156.00
3,294.50
3,294.50
2,261.00
2,261.00
growth rate -36.1% 0.0% -31.4% 0.0%
IBT 5,149.00
3,043.50
3,043.50
2,719.50
2,719.50
growth rate -40.9% 0.0% -10.7% 0.0%
Net Income 4,383.50
2,596.50
2,596.50
2,352.00
2,352.00
growth rate -40.8% 0.0% -9.4% 0.0%
Gross Profit 8,428.00
6,853.50
6,853.50
5,756.50
5,756.50
growth rate -18.7% 0.0% -16.0% 0.0%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (0.00)

YOY Growth Grade:

E (31.31)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 14.54 14.58 11.11
EPS / Growth 5.4% 1.08 21.2%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 10.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 5.4% 7.8% 7.8%
Future PE 10.82 13.74 13.74
Future EPS 1.82 2.28 2.28
Value Price
MOS %
4.88
-68.9%
7.74
-50.7%
7.74
-50.7%
MOS Price 2.44 3.87 3.87
IRT 10.60 9.59 9.59

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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