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National joint-stock bank offering corporate and retail banking, with roots tied to state industrial group Shougang.
National joint-stock bank offering corporate and retail banking, with roots tied to state industrial group Shougang.
Earns mainly the gap between interest on loans, mostly to companies, and interest paid to depositors, with fees from cards, settlement and wealth products. A mid-sized national bank rather than one of China's big state lenders, it relies on corporate relationships, and state-linked investors hold the main stakes.
Moat: narrow (scale, regulatory licence). National banking licence typical of China's second-tier joint-stock banks.
Headquarters: Beijing, China · Founded: 1992 · Employees: 36,752
Size Hua Xia Bank (600015.SS) is a China Financials company (Major Banks) with a market value of $15.7B, the 147th largest of 4,839 China companies the cockpit tracks. Shares closed at CN¥6.56 on 6 Nov 2026.
Performance Over six months the shares fell 4.8%, against +2.2% for the median peer and -16.4% for the China market (cap-weighted) — 7th lowest of 21 in its peer set.
Growth Revenue fell 0.7% over the last twelve months (peer median +2.0%); the operating margin is 28.8% (peer median 40.5%).
Valuation It trades at 0.32× book value against a peer median of 1.34× (3rd cheapest of 21).
Price implies The share price implies a return on equity of about 1.8%; Hua Xia Bank delivers 7.6%, so the price asks less than the business earns today.
Next results Next results expected around 7 Apr 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | CN¥170B | CN¥168B | CN¥187B | CN¥183B | CN¥174B |
| Revenue growth | — | -10% | +2% | +5% | — |
| Net income | CN¥24.0B | CN¥27.2B | CN¥27.7B | CN¥26.4B | CN¥25.0B |
| Free cash flow | CN¥30.6B | CN¥269M | CN¥129B | CN¥25.1B | CN¥43.8B |
| Capital expenditure | CN¥25.8B | CN¥16.9B | CN¥16.7B | CN¥32.9B | CN¥22.0B |
| Total debt | CN¥2.04T | CN¥1.96T | CN¥1.82T | CN¥1.77T | CN¥1.47T |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Hua Xia Bank 600015.SS | $15.7B | -5% | -1% | 8% | 0.32× | 1.8% |
| China Everbright Bank 601818.SS | $26.6B | +1% | -7% | 7% | 0.36× | 1.8% |
| China Minsheng Banking 600016.SS | $21.3B | -8% | -10% | 4% | 0.26× | 1.6% |
| China Zheshang Bank 601916.SS | $11.2B | -2% | -4% | 7% | 0.44× | 2.0% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 600015.SS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +4.0% | +3.1% | 8th highest of 21 |
| 6-month return | -4.8% | +2.2% | 7th lowest of 21 |
| Return on equity | 7.6% | 12.2% | 4th lowest of 21 |
| Price / book | 0.32× | 1.34× | 3rd cheapest of 21 |
| Trailing P/E | 4.4× | 10.5× | cheapest of 18 |
| ROE the price implies | 1.8% | 13.3% | 2nd least demanding of 21 |
| ROE delivered | 7.6% | 13.8% | 4th lowest of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Hua Xia Bank 600015.SS | China | $15.7B | -5% | -1% | 8% | 0.32× | 1.8% | 7.6% |
| Punjab National Bank PNB.NS | India | $15.4B | +16% | +3% | 15% | 0.90× | 17.0% | 15.1% |
| FinecoBank FBK.MI | Italy | $15.4B | +3% | +5% | 32% | 5.71× | 43.8% | 32.3% |
| Union Bank of India UNIONBANK.NS | India | $15.1B | +12% | 0% | 16% | 0.99× | 16.4% | 16.3% |
| Bankinter BKT.MC | Spain | $14.5B | +4% | 0% | 18% | 1.87× | 12.4% | 17.6% |
| WooriFinancialGroup 316140.KS | South Korea | $17.0B | -5% | +37% | 10% | 0.71× | 4.8% | n/a |
| Banco Santander (Brasil) S.A. Sponsored ADR BSBR | United States | $17.4B | -20% | +18% | 10% | 2.10× | 12.6% | 10.2% |
| mBank MBK.WA | Poland | $17.7B | +37% | -1% | 19% | 3.05× | 37.6% | 19.1% |
| First Financial 2892.TW | Taiwan | $17.8B | +44% | +5% | 11% | 1.95× | 5.8% | 10.9% |
| Bank of Baroda BANKBARODA.NS | India | $13.7B | -7% | +8% | 12% | 0.74× | 13.2% | 11.8% |
| Shanghai Rural Commercial Bank 601825.SS | China | $13.1B | +1% | -8% | 10% | 0.65× | 2.5% | 9.6% |
| Indian Bank INDIANB.NS | India | $12.9B | +5% | +12% | 16% | 1.40× | 18.5% | 16.1% |
| Banca Mediolanum BMED.MI | Italy | $19.1B | +17% | -34% | 30% | 3.73× | 35.6% | 30.1% |
| Banco de Sabadell SAB.MC | Spain | $19.2B | +8% | -35% | 5% | 1.40× | 15.5% | 5.1% |
| Banco de Chile Sponsored ADR BCH | United States | $19.6B | +7% | +4% | 22% | 3.15× | 13.6% | 21.8% |
| Canara Bank CANBK.NS | India | $11.8B | -10% | -7% | 17% | 0.87× | 17.1% | 16.8% |
| China Minsheng Banking 600016.SS | China | $21.3B | -8% | -10% | 4% | 0.26× | 1.6% | 4.5% |
| China Zheshang Bank 2016.HK | Hong Kong | $11.5B | -3% | +1% | 7% | 0.31× | 3.9% | 7.3% |
| KeyCorp KEY | United States | $22.0B | -3% | +9% | 11% | 1.39× | 13.1% | 11.2% |
| Hanafinancialgr 086790.KS | South Korea | $22.5B | -7% | +39% | 10% | 0.79× | 5.3% | n/a |
| Banco BPM BAMI.MI | Italy | $22.8B | +1% | -4% | 12% | 1.30× | 13.5% | 12.5% |