Deep Value: cash covers about 90% of the stock price

This company holds roughly $17.4B in cash and investments — about 90% of its entire stock-market value, based on its latest quarterly filing. You're paying very little for the actual business. Sometimes that's a genuine bargain or a takeover target, sometimes it's cheap for a reason. Not a buy signal on its own — always ask why it's this cheap.

Bank of Jinzhou Co.

0416.HK

Hong Kong Stock Exchange

Exchange

Hong Kong Stock Exchange

Winston Score

Winston is curious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 23, 2026 · filings through Jun 30, 2022

How the score breaks down

Quality

Mixed

Growth

Strong

Cash Flow

Exceptional

Stability

Mixed

Valuation

Weak

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Winston Score History

The full picture

Bank of Jinzhou Co., Ltd. is a regional commercial bank based in Jinzhou, a city in Liaoning Province, northeastern China. It offers everyday banking services like savings accounts, loans, and wealth management products to individual customers and small-to-medium businesses in the region. The bank is listed on the Hong Kong Stock Exchange and operates primarily within China's northeastern rust belt.

The bank earns money mainly through the difference between interest it charges on loans and interest it pays on deposits — called net interest income. It also collects fees from financial services and wealth products. Bank of Jinzhou is a relatively small bank by Chinese standards and faced serious financial difficulties around 2019, requiring a government-backed rescue by state-owned investors. The key ongoing risk is its exposure to a region with slow economic growth and a shrinking population, which limits loan demand and raises the chance of borrowers defaulting.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+259.0% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+521.6% YoY

YoY Growth Rate

EPS growth accelerating

Cash Position

Cash flow positive

HK$220.7B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Bank of Jinzhou Co. grew revenue 259% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale

Gross Margin

100.0%

Premium pricing power — 100.0% gross margin

Profit after running costs

Operating Margin

0.0%

Thin — 0.0% operating margin

Return on the money invested

ROCE

0.8%

Weak — 0.8% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales growth

Sales YoY

+161.1%

Fast-growing sales (+161.1% YoY)

Profit growth

EPS YoY

+130.2%

Earnings growing fast (+130.2% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Cash Flow

Profit that turns into cash

Cash Conversion

8915%

Turns 8915% of profit into real cash

Spare cash per sale

FCF Margin

112.5%

Converts sales into free cash efficiently (112.5%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

What it owes vs what it owns

Debt / Equity

0.53

Conservative — low debt load (0.53)

Covers its interest

Interest Cover

0.06x

Dangerous — barely covers interest (0.1x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

Price vs profit

P/E Ratio (TTM)

184.1x

no trend

Expensive — P/E 184.1

P/E over 35. The market is pricing in heavy, sustained growth.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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