In the past three years, Ping An Bank's overall financial position has remained stable. The company's net profit and non-net profit showed an increasing trend, from 1013.2 billion to 39.6 billion3.5 billion, showing the improvement of the company's profitability. At the same time, the company's total operating income also increased from 4178.8 billion to 12763.4 billion, indicating that the company's business scale is gradually expanding.
From an earnings per share perspective, basic earnings per share increased from 042 yuan increased to 1$94, which means that the earnings per share of shareholders will increase accordingly. In addition, the growth of net assets per share was steady, from 15$60 to $2040 yuan, showing the effectiveness of the company's asset allocation. Capital reserve per share and undistributed profit per share also maintained relatively stable growth. Operating cash flow per share increased from -0$60 to $597 yuan, indicating that the company's cash flow situation is improving.
In terms of business cycles, the Company improved its operating efficiency. Accounts receivable turnover days from 9185 days reduced to 9156 days, showing that the speed at which the company** owes money has accelerated. However, the net profit margin on sales declined from 2425% to 3105%, which may be due to the increased competitive pressure faced by the company in the process of business development. Return on equity from 272% to 988%, indicating that the company's asset utilization efficiency has improved.
In terms of risk control, Ping An Bank's current ratio, quick ratio and asset-liability ratio have remained at a relatively stable level. The current ratio and quick ratio are 9181% and 9178%, indicating that the company has some capacity to meet short-term debt. The debt-to-asset ratio was 9183%, indicating that the company's debt is relatively high, but the overall is still within the acceptable range.
From a comprehensive analysis, Ping An Bank has maintained a relatively stable development trend in the past three years. The company's profitability, business scale and asset allocation all showed a growth trend, showing the company's good operating ability. Despite the decline in net profit margin on sales in an environment of heightened competition, the company performed robustly in terms of risk control, and its liquidity and solvency were guaranteed. In the future, the company can further strengthen its competitiveness, increase its net sales margin, and continue to optimize its asset-liability structure to achieve sustained and stable growth.