Shaanxi International Trust Co Ltd (000563) fair value: what the stock is really worth
As of Sep 22, 2026: fair value of Shaanxi International Trust Co Ltd ¥3.64, price ¥2.94, upside +23.8%, quality 50 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range ¥2.49 – ¥4.51 · fair‑value band ¥2.84 – ¥4.55 · the ¥2.94 price screens below the ¥3.64 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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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.
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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.
Stock analysis
Shaanxi International Trust Co Ltd (000563) currently trades at ¥2.94, while our model-based Fair Value estimate is ¥3.64, implying the stock looks roughly 19.2% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of ¥8.69 per share, and 6 of the 9 models we run sit above the ¥2.94 price.
Bear case: the Dividend Discount group reads lowest at ¥1.53, and 3 of the 9 models stay below the price. Evidence for this calculation is low.
Scenario range: ¥2.84 (bear) to ¥4.55 (bull), the price of ¥2.94 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 50/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Shaanxi International Trust Co Ltd reported revenue of 3.4B CNY in FY2025 versus 2.1B CNY in FY2021, a compound +12.4%/yr. Reported net income was 1.4B CNY in FY2025, compounding +18.3%/yr from FY2021.
Key figures
Market cap 15.0B CNY (≈ $2.2B) · P/E ratio 11.3 · P/S ratio 4.75 · EPS (TTM) ¥0.2600 · Dividend yield 3.1% · Net margin 42.0% · Return on equity 7.3% · Return on assets (EBIT) 6.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The share trades about 19% below its 52-week high and 7% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −4% fair-value upside, at 24%, 000563 screens cheaper than that median.
Fair Value models
Bear ¥2.84Fair Value ¥3.64Bull ¥4.55
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (¥0.1244 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.33/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−0.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.2%
Start year 2020 (pandemic). Over 10 years: +11.0% a year
Revenue growth 31 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.6%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+13.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.1%
Dividend (yield on the price)3.1%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.10% vs 6%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.38% → 56%
Compare Shaanxi International Trust Co Ltd with another stock
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Peer Groupⓘ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.Asset Management · 659 stocks
Beats the industry median on 10/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score51 · Below median
Fair Value upside+24% · Above median
Profitability
Return on equity (TTM)7% · Above median
Return on assets5% · Above median
Net margin (TTM)42% · Above median
Operating margin (TTM)53% · Above median
Growth and dividend
Revenue growth18% · Above median
Dividend yield (TTM)3.1% · Below median
Balance sheet
Debt / equity0.01× · Below median
Valuation Multiplesvs Asset Management median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Shaanxi International Trust Co Ltd Fair Value". https://www.fairvalue-calculator.com/stock/000563
Frequently asked questions
Is Shaanxi International Trust Co Ltd (000563) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of ¥3.64 versus a price of ¥2.94, about +24% upside (undervalued).
What is the fair value of 000563?
Our model-based fair value for Shaanxi International Trust Co Ltd is ¥3.64 (as of Sep 24, 2026), built from audited fundamentals. The current price: ¥2.94.
What is the quality score of 000563?
Shaanxi International Trust Co Ltd 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 price target for Shaanxi International Trust Co Ltd (000563)?
Our model-based price target is the fair value of ¥3.64 (as of Sep 24, 2026) from 9 valuation models. Cautious scenario ¥2.84, optimistic scenario ¥4.55. It is a calculation from audited fundamentals, not an analyst target.
What is the Shaanxi International Trust Co Ltd stock forecast for 2026?
Our models put fair value at ¥3.64, about +24% upside versus a price of ¥2.94 (undervalued). Cautious scenario ¥2.84, optimistic scenario ¥4.55. The calculation is refreshed regularly with new filings.
What is the revenue of Shaanxi International Trust Co Ltd (000563)?
Shaanxi International Trust Co Ltd reported trailing-twelve-month revenue of about 3.1B CNY (latest available figure, as of Sep 24, 2026).
Does Shaanxi International Trust Co Ltd pay a dividend?
Shaanxi International Trust Co Ltd currently shows a dividend yield of about 3.06% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Shaanxi International Trust Co Ltd (000563)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Shaanxi International Trust Co Ltd it is ¥3.64 per share (as of Sep 24, 2026), against a price of ¥2.94. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Shaanxi International Trust Co Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 000563 trades below its calculated fair value: price ¥2.94, fair value ¥3.64, a gap of about +24% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 000563?
No. The price is what the market pays today (¥2.94); the fair value is what the company's own numbers justify (¥3.64). For Shaanxi International Trust Co Ltd the two are ¥0.7000 per share apart. That gap is exactly why we show both numbers side by side.
How much is Shaanxi International Trust Co Ltd worth?
The market values Shaanxi International Trust Co Ltd at about 15.0B CNY (market capitalisation, as of Sep 24, 2026). Per share that is ¥2.94; our models calculate a fair value of ¥3.64 per share.
What do the bullish and bearish scenarios say about 000563?
Our models span a range for Shaanxi International Trust Co Ltd: cautious scenario ¥2.84, base ¥3.64, optimistic ¥4.55 per share (as of Sep 24, 2026, price ¥2.94). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 000563?
Shaanxi International Trust Co Ltd trades at a price-to-earnings ratio of 11.3 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ¥3.64 is built from several models across several years. Other multiples: PEG 3.7, P/B 0.8, P/S 4.4, EV/EBITDA 5.2.
What is the PEG ratio of 000563?
The PEG ratio of Shaanxi International Trust Co Ltd is 3.74 (P/E divided by earnings growth, as of Sep 24, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Shaanxi International Trust Co Ltd (000563)?
Balance-sheet figures for Shaanxi International Trust Co Ltd (as of Sep 24, 2026): return on equity 7.3%, debt of 0.01 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is 000563 from its 52-week high?
Shaanxi International Trust Co Ltd trades at ¥2.94, about 19% below its 52-week high of ¥3.64 and 7% above the low of ¥2.76 (as of Sep 22, 2026). Distance from the high says nothing about value: that is what the fair value of ¥3.64 is for.
Which stocks are comparable to Shaanxi International Trust Co Ltd?
From the same area (Financial Services) we also value Blackstone Inc, Brookfield Corporation, KKR & Co, Apollo Global Management, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Shaanxi International Trust Co Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price ¥2.94, calculated fair value ¥3.64 (+24%), Quality Score 50/100, from 9 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 000563 calculated?
We run Shaanxi International Trust Co Ltd through 9 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ¥3.64, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Shaanxi International Trust Co Ltd currently trades 24 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Shaanxi International Trust Co Ltd (000563)?
The closing price on Sep 22, 2026 was ¥2.94. Our model-based fair value is ¥3.64, about +24% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Shaanxi International Trust Co Ltd right now?
Solid quality (50/100) at a price below fair value, the discount is the argument here, not the business quality. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Shaanxi International Trust Co Ltd (000563) come from?
Earnings per share at Shaanxi International Trust Co Ltd grew +5.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.4 %, EBIT margin −1.1 %, tax rate +0.0 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Shaanxi International Trust Co Ltd
How large is the market capitalisation of Shaanxi International Trust Co Ltd (000563)?
The market capitalisation of Shaanxi International Trust Co Ltd is 15.0B CNY (≈ $2.2B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Shaanxi International Trust Co Ltd (000563)?
The price-to-sales ratio of Shaanxi International Trust Co Ltd is 4.75 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Shaanxi International Trust Co Ltd (000563)?
Earnings per share at Shaanxi International Trust Co Ltd are ¥0.2600 (price ÷ EPS = P/E 11.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Shaanxi International Trust Co Ltd (000563)?
The dividend yield of Shaanxi International Trust Co Ltd is 3.1% (payout 34.6%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Shaanxi International Trust Co Ltd (000563)?
The net margin of Shaanxi International Trust Co Ltd is 42.0% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Shaanxi International Trust Co Ltd (000563)?
The return on equity (ROE) of Shaanxi International Trust Co Ltd is 7.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Shaanxi International Trust Co Ltd (000563)?
On an EBIT basis the return on assets of Shaanxi International Trust Co Ltd is 6.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Shaanxi International Trust Co Ltd (000563)?
The operating margin of Shaanxi International Trust Co Ltd is 92.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Shaanxi International Trust Co Ltd (000563)?
Revenue at Shaanxi International Trust Co Ltd is growing −32.0% versus a year earlier (3y avg +17.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Shaanxi International Trust Co Ltd (000563)?
Earnings per share at Shaanxi International Trust Co Ltd are growing −25.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Shaanxi International Trust Co Ltd (000563) generate?
The free cash flow of Shaanxi International Trust Co Ltd is −1.1B CNY (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Shaanxi International Trust Co Ltd (000563) hold?
Shaanxi International Trust Co Ltd holds more cash than debt, 2.5B CNY net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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