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SPIC Industry-Finance Holdings (000958) Fair Value & Analysis

Utilities · CN · Market cap 98.7B CNY

SI SPIC Industry-Finance Holdings 000958 · SHE
Price¥5.53
Fair Value¥3.06
Upside-44.7%
Quality39/100
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Weak Growth
Highly profitable · 27.7% net margin
Moderate debt · negative free cash flow
2.03% dividend yield
Trails peers (3/13)
Moderate moat 64/100
Evidence: Medium Range ¥2.29 – ¥3.06 Share as image

Fair value as of: Jul 16, 2026

From 13 valuation models · updated 22 days ago

Fair value updated Jul 16, 2026, revised from ¥3.41 to ¥3.06 (−10.3%) since Jun 25, 2026. Share price −1.4% over the past month.

Below-average quality, and screening another 45% overvalued on our models.

What matters now

  • The price sits above even our optimistic bull case (¥3.06). The favourable scenario is already priced in.
  • Weak quality (39/100) and above fair value at the same time, the margin of safety is missing on both counts.
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Price vs Fair Value (5 years)

¥10.36 ¥3.15 Fair Value ¥3.06 Feb 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.

How to read this chart

60‑month range ¥3.15 – ¥10.36 · fair‑value band ¥2.29 – ¥3.06 · the ¥5.53 price screens above the ¥3.06 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.

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Analysis

SPIC Industry-Finance Holdings (000958) currently trades at ¥5.53, while our model-based Fair Value estimate is ¥3.06, implying the stock looks roughly 44.7% overvalued today. We read business quality at 39/100 (below-average quality), in the Utilities sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).

Over the trailing twelve months, SPIC Industry-Finance Holdings generated revenue of 11.9B CNY at a net margin of 27.7%. Revenue declined 17.3% year over year. It earns a return on equity of 10.0%. Net debt stands at 62.6B CNY. Fundamentals as of Jul 16, 2026

Our scenario range runs from ¥2.29 (bear case) to ¥3.06 (bull case); at ¥5.53, the current price sits above 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 26% below its 52-week high, currently below its 200-day average. For context, the median of 10 Utilities peers we cover trades at -27% fair-value upside, at -45%, 000958 screens richer 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 ¥2.00 ¥2.13 ¥2.32 76
Gordon GGM ¥1.45 ¥3.02 ¥4.80 70
Growth-Adj P/E ¥2.99 ¥4.27 ¥5.56 68
All 13 models by family
Earnings-Based
Graham-Dodd ¥1.22 ¥7.39 ¥10.31 54
Lynch FV ¥2.11 ¥3.02 ¥3.92 50
PEG = 1.0 ¥2.11 ¥3.02 ¥3.92 46
Dividend Discount
Gordon GGM ¥1.45 ¥3.02 ¥4.80 70
DDM Multi-Stage ¥1.45 ¥2.55 ¥3.17 61
Multiples
P/E Multiple ¥2.70 ¥3.60 ¥4.49 63
P/S Multiple ¥1.28 ¥1.70 ¥2.13 58
P/B Multiple ¥2.29 ¥3.06 ¥3.82 55
EV/EBIT ¥0.1800 ¥1.03 53
EV/EBITDA ¥0.2300 ¥1.38 ¥2.53 54
Asset-Based
NCAV (Graham) ¥1.21 ¥1.62 ¥2.41 50
Economic Profit
Residual Income ¥2.00 ¥2.13 ¥2.32 76
Growth Earnings
Growth-Adj P/E ¥2.99 ¥4.27 ¥5.56 68

Widest divergence: Growth Earnings (¥4.27) versus Asset-Based (¥1.62). Highest evidence: Residual Income (76).

Key figures & financial health

Revenue (TTM) 11.9B CNY
Revenue growth (YoY) -17.3%
Net margin 27.7%
Return on equity 10.0%
Free cash flow −9.1B CNY FY2025
P/E ratio 26.9
More key figures
Operating margin 27.5%
EPS (TTM) ¥0.2300
Dividend yield 1.8%
EPS growth (YoY) -25.1%
Net debt 62.6B CNY FY2025

Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 39/100

Of which business quality 36 · Market factors (momentum, volatility) 39

Profitability 35
Margins and returns on capital today
Quality Growth 37
Are margins and returns improving?
Cashflow 33
Earnings quality: real cash, not paper profit
Fin. Strength 26
Balance sheet, leverage, solvency risk
Investment 0
Disciplined investing over empire-building
Low Volatility 84
Calm price path (market factor)
Momentum 23
Price trend over the last 3–12 months (market factor)
52W Momentum 13
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

SPIC Industry-Finance Holdings Co., Ltd. engages in the energy and financial businesses in China. The company operates through Nuclear Power, Non-Nuclear Energy, and Financial segments. Its Nuclear Power segment engages in nuclear power business, nuclear power technical services, and other related activities.

Full company description

SPIC Industry-Finance Holdings Co., Ltd. engages in the energy and financial businesses in China. The company operates through Nuclear Power, Non-Nuclear Energy, and Financial segments. Its Nuclear Power segment engages in nuclear power business, nuclear power technical services, and other related activities. The Non-Nuclear Energy segment engages in power generation, heating, and electricity services. Its Financial segment engages in financial businesses such as trust, insurance brokerage, futures brokerage, and asset management. The company was formerly known as SPIC Dongfang Energy Corporation and changed its name to SPIC Industry-Finance Holdings Co., Ltd. in May 2022. The company was founded in 1998 and is based in Yantai, China.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

SPIC Industry-Finance Holdings reported revenue of ¥12.5B in FY2025 versus ¥8.9B in FY2021, a compound +8.9%/yr. Reported net income was ¥3.3B in FY2025, compounding +26.0%/yr from FY2021.

Growth Quality 20/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2025)
12.5B CNY
Latest YoY
+117.0%
Avg. growth/yr (3Y)
+26.8%
Avg. growth/yr (5Y)
−1.4%
Avg. growth/yr (29Y)
+16.5%
Revenue +8.9%/yr
FY21 ¥8.9B
FY22 ¥6.1B
FY23 ¥6.1B
FY24 ¥5.7B
FY25 ¥12.5B
Net income +26.0%/yr
FY21 ¥1.3B
FY22 ¥1.0B
FY23 ¥1.3B
FY24 ¥1.0B
FY25 ¥3.3B

000958 screens 45% overvalued. Compare with NextEra Energy, Inc →

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Cite: Fair Value Calculator (2026). "SPIC Industry-Finance Holdings Fair Value". https://www.fairvalue-calculator.com/stock/000958

Peer Group

Utilities - Regulated Electric · 155 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 39 · Bottom 25%
Fair Value upside −45% · Bottom 25%
Return on equity (TTM) 10% · Above median
Return on assets 2% · Bottom 25%
Net margin (TTM) 28% · Top 25%
Operating margin (TTM) 27% · Top 25%
Revenue growth -17% · Bottom 25%
Dividend yield (TTM) 2.0% · Below median
Debt / equity 1.42× · Higher than 75% of peers

Valuation Multiples vs Utilities - Regulated Electric median · lower = cheaper

P/E (TTM) 23.4× · Pricier than median
P/B 2.23× · Pricier than median
P/S (TTM) 8.30× · Pricier than 75% of peers
EV/EBITDA 26.8× · 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 0 · sector 9
FUTURE 0 · sector 32
PAST 40 · sector 39
HEALTH 29 · sector 53
DIVIDEND 41 · sector 56

VALUE 0: the price sits above our fair-value range.

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 Utilities - Regulated Electric stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).

Stock Price Fair Value vs Fair Value
NextEra Energy, Inc NEE $88.80 $32.94 -63%
The Southern Company SO $95.61 $61.06 -36%
Duke Energy Corporation DUK $126.11 $97.11 -23%
National Grid plc NGG 61,175 ARS 44,377 ARS -27%
American Electric Power Company AEP $132.50 $79.33 -40%
Dominion Energy, Inc D $70.08 $46.92 -33%
NTPC Limited NTPC ₹341.85 ₹377.16 +10%
CEZ, a. s. CEZ 232.40 PLN 159.33 PLN -31%
Power Grid Corporation POWERGRID ₹283.55 ₹252.77 -11%
China National Nuclear Power Co 601985 ¥8.91 ¥7.69 -14%

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Frequently asked questions

Is SPIC Industry-Finance Holdings (000958) overvalued or undervalued?
As of Jul 16, 2026, our model estimates a fair value of ¥3.06 versus a price of ¥5.53, about −45% (overvalued).
What is the fair value of 000958?
Our model-based fair value for SPIC Industry-Finance Holdings is ¥3.06 (as of Jul 16, 2026), built from audited fundamentals. The current price is ¥5.53.
What is the quality score of 000958?
SPIC Industry-Finance Holdings has a Quality Score of 39/100. It combines two groups: business quality (profitability, growth, cash flow, balance-sheet strength) and market factors (price momentum, distance to the 52-week high, volatility). Both subtotals are shown separately in the detail view.
What is the revenue of SPIC Industry-Finance Holdings (000958)?
SPIC Industry-Finance Holdings reported trailing-twelve-month revenue of about 11.9B CNY (latest available figure, as of Jul 16, 2026).
What is the net profit margin of 000958?
The net profit margin of SPIC Industry-Finance Holdings is about 27.7%, meaning it keeps roughly 27.7% of revenue as net income. Based on the latest reported figures.
Does SPIC Industry-Finance Holdings pay a dividend?
SPIC Industry-Finance Holdings currently shows a dividend yield of about 1.77% relative to its recent price (as of Jul 16, 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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