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Shaanxi International Trust Co (000563) Fair Value & Analysis

Financial Services · CN · Market cap 15.0B CNY

SI Shaanxi International Trust Co 000563 · SHE
Price¥2.99
Fair Value¥4.76
Upside+59.2%
Quality50/100
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Mixed Growth
Highly profitable · 42.5% net margin
Low debt · negative free cash flow
3.17% dividend yield
Ranks above peers (10/14)
Moderate moat 59/100
Evidence: High Range ¥3.57 – ¥5.95 Share as image

Fair value as of: Jul 25, 2026

From 9 valuation models · updated 16 days ago

Share price +5.3% over the past month.

A solid business, screening 59% undervalued on our models.

What matters now

  • The price is below even our cautious bear case (¥3.57). The market is more pessimistic than our downside scenario.
  • Solid quality (50/100) at a price below fair value, the discount is the argument here, not the business quality.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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Price vs Fair Value (5 years)

¥4.51 ¥2.49 Fair Value ¥4.76 Feb 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 25, 2026.

How to read this chart

60‑month range ¥2.49 – ¥4.51 · fair‑value band ¥3.57 – ¥5.95 · the ¥2.99 price screens below the ¥4.76 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 25, 2026.

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Analysis

Shaanxi International Trust Co (000563) currently trades at ¥2.99, while our model-based Fair Value estimate is ¥4.76, implying the stock looks roughly 59.2% undervalued today. The Quality Score stands at 50/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Shaanxi International Trust Co generated revenue of 3.1B CNY at a net margin of 42.5%. Revenue declined 32.0% year over year. It earns a return on equity of 7.3%. The balance sheet holds a net cash position of 2.5B CNY. Fundamentals as of Jul 25, 2026

Our scenario range runs from ¥3.57 (bear case) to ¥5.95 (bull case); at ¥2.99, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 23% below its 52-week high and 6% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -12% fair-value upside, at 59%, 000563 screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model BearBaseBull Evidence
Highest evidence
Residual Income ¥3.05 ¥3.25 ¥3.58 76
Gordon GGM ¥0.8700 ¥1.81 ¥2.88 70
P/E Multiple ¥2.73 ¥3.64 ¥4.55 63
All 9 models by family
DCF Models
Owner Earnings ¥3.78 ¥6.89 ¥12.63 31
Earnings-Based
Graham-Dodd ¥1.90 ¥10.15 ¥14.06 54
Lynch FV ¥2.80 ¥4.00 ¥5.20 50
Dividend Discount
Gordon GGM ¥0.8700 ¥1.81 ¥2.88 70
DDM Multi-Stage ¥0.8700 ¥1.53 ¥1.90 61
Multiples
P/E Multiple ¥2.73 ¥3.64 ¥4.55 63
P/B Multiple ¥3.57 ¥4.76 ¥5.95 55
Asset-Based
NCAV (Graham) ¥1.85 ¥2.48 ¥3.70 50
Economic Profit
Residual Income ¥3.05 ¥3.25 ¥3.58 76

Widest divergence: DCF Models (¥6.89) versus Dividend Discount (¥1.53). Highest evidence: Residual Income (76).

Key figures & financial health

Revenue (TTM) 3.1B CNY
Revenue growth (YoY) -32.0%
Net margin 42.5%
Return on equity 7.3%
Free cash flow −1.1B CNY FY2025
P/E ratio 11.3
More key figures
Operating margin 92.9%
EPS (TTM) ¥0.2600
Dividend yield 3.2%
EPS growth (YoY) -25.1%
Net cash 2.5B CNY FY2025

Figures from reported company fundamentals · as of Jul 25, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 50/100

Of which business quality 46 · Market factors (momentum, volatility) 42

Profitability 39
Margins and returns on capital today
Quality Growth 49
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 64
Balance sheet, leverage, solvency risk
Investment 68
Disciplined investing over empire-building
Low Volatility 91
Calm price path (market factor)
Momentum 25
Price trend over the last 3–12 months (market factor)
52W Momentum 17
Distance to the 52-week high (market factor)
Net Issuance 82
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

Shaanxi International Trust Co.,Ltd. operates as a trust company in China. The company is involved in the asset servicing trust business, such as wealth management service trust, administrative management trust, asset securitization service trust, risk disposal service trust, and new type of asset service trust.

Full company description

Shaanxi International Trust Co.,Ltd. operates as a trust company in China. The company is involved in the asset servicing trust business, such as wealth management service trust, administrative management trust, asset securitization service trust, risk disposal service trust, and new type of asset service trust. It also engages in the asset management trust business, including fixed-income asset management trusts, equity asset management trusts, commodity and financial derivatives asset management trusts, hybrid asset management trusts, and fund portfolio trusts; and charitable trust business and other charitable trusts. The company was formerly known as Shaanxi Province Finance Joint Investment Company. Shaanxi International Trust Co.,Ltd. was founded in 1984 and is based in Xi'an, China.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Shaanxi International Trust Co reported revenue of ¥3.4B in FY2025 versus ¥2.1B in FY2021, a compound +12.4%/yr. Reported net income was ¥1.4B in FY2025, compounding +18.3%/yr from FY2021.

Growth Quality 33/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
3.4B CNY
Latest YoY
−0.9%
Avg. growth/yr (3Y)
+17.7%
Avg. growth/yr (5Y)
+7.2%
Avg. growth/yr (31Y)
+8.6%
Revenue +12.4%/yr
FY21 ¥2.1B
FY22 ¥2.1B
FY23 ¥3.2B
FY24 ¥3.4B
FY25 ¥3.4B
Net income +18.3%/yr
FY21 ¥732M
FY22 ¥838M
FY23 ¥1.1B
FY24 ¥1.4B
FY25 ¥1.4B

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Cite: Fair Value Calculator (2026). "Shaanxi International Trust Co Fair Value". https://www.fairvalue-calculator.com/stock/000563

Peer Group

Asset Management · 973 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 51 · Below median
Fair Value upside +59% · Top 25%
Return on equity (TTM) 7% · Above median
Return on assets 5% · Above median
Net margin (TTM) 42% · Above median
Operating margin (TTM) 93% · Top 25%
Revenue growth -32% · Bottom 25%
Dividend yield (TTM) 3.2% · Below median
Debt / equity 0.01× · Lower than median

Valuation Multiples vs Asset Management median · lower = cheaper

P/E (TTM) 11.3× · Cheaper than median
P/B 0.79× · Cheaper than median
P/S (TTM) 4.78× · Cheaper than median
EV/EBITDA 5.5× · Cheaper than median
PEG 3.74× · Pricier than 75% of peers

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 100 · sector 37
FUTURE 0 · sector 6
PAST 29 · sector 26
HEALTH 100 · sector 95
DIVIDEND 63 · sector 69

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Asset Management stocks, each showing price versus our Fair Value estimate (as of Jul 25, 2026).

Stock Price Fair Value vs Fair Value
Fondul Proprietatea SA FP $0.0420 $0.0800 +90%
BlackRock, Inc BLK $1,136 $465.75 -59%
Blackstone Inc BX $124.56 $16.35 -87%
Investor AB INVEB kr 423.70 kr 847.40 +100%
Brookfield Corporation BN C$62.45 C$10.12 -84%
KKR & Co KKR $100.94 $44.88 -56%
AB Industrivärden INDUA kr 532.50 kr 1,065 +100%
Jio Financial Services Limited JIOFIN ₹242.98 ₹40.19 -83%
Hedef Holding HEDEF 267.25 TRY 320.98 TRY +20%
Bajaj Holdings BAJAJHLDNG ₹10,398 ₹9,202 -12%

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Frequently asked questions

Is Shaanxi International Trust Co (000563) overvalued or undervalued?
As of Jul 25, 2026, our model estimates a fair value of ¥4.76 versus a price of ¥2.99, about +59% (undervalued).
What is the fair value of 000563?
Our model-based fair value for Shaanxi International Trust Co is ¥4.76 (as of Jul 25, 2026), built from audited fundamentals. The current price is ¥2.99.
What is the quality score of 000563?
Shaanxi International Trust Co has a Quality Score of 50/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of Shaanxi International Trust Co (000563)?
Shaanxi International Trust Co reported trailing-twelve-month revenue of about 3.1B CNY (latest available figure, as of Jul 25, 2026).
What is the net profit margin of 000563?
The net profit margin of Shaanxi International Trust Co is about 42.5%, meaning it keeps roughly 42.5% of revenue as net income. Based on the latest reported figures.
Does Shaanxi International Trust Co pay a dividend?
Shaanxi International Trust Co currently shows a dividend yield of about 3.17% relative to its recent price (as of Jul 25, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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