Bank of Chongqing stock has quietly inched higher in recent weeks, yet today’s earnings story is less about the share price drift and more about how the balance sheet is holding up. The headline is that profit remains solid while the pressure point sits on asset quality.

Quarterly net income came in at C¥1,724.4m on revenue of C¥3,258.5m, and trailing net profit margin sits near 49%. That looks healthy on the surface, but non performing loans are now reported at C¥6,259m. For a regional lender, that credit trend is the number that deserves your attention.

Is Bank of Chongqing a genuine value opportunity at a 4.5x P/E and a share price well below the supplied DCF estimate, or is the discount a warning signal on asset quality risk? Compare these numbers with the full valuation analysis for Bank of Chongqing

Q2 2026 Earnings Summary

• Revenue (Q2 2026 vs. Q2 2025): C¥3,258.5m vs. C¥3,038.5m (up about 7.3%)
• Net Income (Q2 2026 vs. Q2 2025): C¥1,724.4m vs. C¥1,565.2m (up about 10.2%)
• Basic EPS (Q2 2026 vs. Q2 2025): C¥0.47 per share vs. C¥0.45 per share (up about 5.2%)
• Non Performing Loans, NPLs (Q2 2026 vs. Q2 2025): C¥6,259m vs. C¥5,840.2m (up about 7.2%)

Tired of wading through walls of text and raw figures to make sense of Bank of Chongqing? Get a clear visual snapshot of its balance sheet strength and overall financial picture in the company report for Bank of Chongqing.

Bank of Chongqing earnings support cautious optimism

For investors leaning positive on Bank of Chongqing, the latest earnings help. Revenue and net income both moved higher year on year, and a C¥1,724.4m quarterly profit on C¥3,258.5m of revenue keeps margins looking robust. Earnings per share also edged up. That combination points to a business model that is still generating solid profitability even as sector worries linger. The share price has drifted slightly higher over 7 and 30 days, which suggests the market has not seen this set of numbers as a clear negative shock.

Asset quality keeps the cautious case alive

The more cautious narrative around Bank of Chongqing still has support from the same set of results. Non performing loans have risen to C¥6,259m compared with the prior year, which fits the concern that regional exposure and SME lending can pressure asset quality. Profitability remains strong, so immediate stress is not evident. However, the combination of higher reported NPLs and a flat 90 day share price return shows investors are not treating this as a clean, low risk story yet.

After rising NPLs and an unstable dividend record at Bank of Chongqing, are these stresses contained or early signals of deeper fragility? Review our risk analysis for Bank of Chongqing which shows 1 important warning sign

Own Your Next Investing Move

If the mix of solid profitability and rising non performing loans at Bank of Chongqing has your attention, register for free with Simply Wall St and add it to your Watchlist to keep an eye on price versus fair value and wait for your preferred entry point. After you decide to take a position, use the Portfolio Command Center to cut through noise and focus on the key developments that matter for your holdings. For a longer term view, tap into collective insight through the Community to see how other investors are thinking about the same risks and opportunities. By spotting potential catalysts and pressure points early, you can act with more confidence and stay one step ahead of the market.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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