The Bank of East Asia, Limited

0023.HK

Banks - Regional · Financial Services

Exchange

Hong Kong Stock Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

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

How the score breaks down

Growth

Good

Valuation

Strong

Dividends

Strong

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Winston Score History

The full picture

The Bank of East Asia (BEA) is a Hong Kong-based bank that offers everyday financial services like savings accounts, loans, mortgages, credit cards, and wealth management. Its main customers are individuals and businesses in Hong Kong and mainland China. Founded in 1918, it is one of the largest locally incorporated banks in Hong Kong and has a long history serving both retail and corporate clients across the Greater China region.

BEA makes money primarily through interest income — charging more on loans than it pays on deposits — as well as fees from banking services and investment products. It operates mainly in Hong Kong and mainland China, with a smaller presence in other markets like Macau and overseas Chinese communities. Its long-established brand and branch network in Hong Kong provide some competitive stability, but the bank faces ongoing pressure from low interest margins, competition from larger global banks, and economic slowdowns in mainland China that could weaken loan quality and demand.

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

+142.8% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+5.8% YoY

YoY Growth Rate

Slow EPS growth

Insider Activity

49.8%ownership

Insiders own a meaningful stake in the company

Cash Runway

5+ years

Quarterly Free Cash Flow

→ Burn rate stable

HK$866.3B cash & investments at current burn rate

Revenue accelerating

The Bank of East Asia, Limited grew revenue 143% 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.

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+68.8%

Fast-growing sales (+68.8% YoY)

Profit growth

EPS YoY

-25.3%

Earnings shrinking (-25.3% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

11.0x

no trend

Attractive valuation — P/E 11.0

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+2.6

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend

Dividend Yield

4.08%

no trend

Healthy income — 4.08% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend record

Dividend Growth

+9.2%

no trend

Dividend growing modestly (9.2% YoY)

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