0440 (0440) Fair Value & Analysis

Financial Services · Market cap HK$12.1B

0 0440 0440 · HK

PriceHK$37.72

Fair ValueHK$75.44

Upside+100.0%

Quality66/100

Evidence: High Range HK$56.58 – HK$94.30

Fair value as of: Jul 1, 2026

From 25 valuation models · updated today

Share price −7.9% over the past month.

Price vs Fair Value (12 months)

12‑month range HK$26.96 – HK$41.90 · fair‑value band HK$56.58 – HK$94.30 · the HK$37.72 price screens below the HK$75.44 fair value. As of Jul 1, 2026.

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Analysis

0440 (0440) currently trades at HK$37.72, while our model-based Fair Value estimate is HK$75.44 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 66/100 (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, 0440 generated revenue of HK$6.5B at a net margin of 31.7%. Revenue grew 20.6% year over year. It earns a return on equity of 6.0%. The balance sheet holds a net cash position of HK$10.8B. Fundamentals as of Jul 1, 2026

Key figures & financial health

Revenue (TTM) HK$6.5B

Revenue growth (YoY) +20.6%

Net margin 31.7%

Return on equity 6.0%

Free cash flow HK$4.8B FY2025

P/E ratio 6.9

More key figures

Operating margin 42.1%

EPS (TTM) HK$3.79

Dividend yield 6.7%

EPS growth (YoY) +16.5%

Net cash HK$10.8B FY2025

Figures from reported company fundamentals (EODHD) · as of Jul 1, 2026. TTM = trailing twelve months.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

0440 reported revenue of HK$6.5B in FY2025 versus HK$7.5B in FY2021, a compound −3.5%/yr. Reported net income was HK$2.1B in FY2025, compounding +12.0%/yr from FY2021.

Revenue −3.5%/yr

FY21 HK$7.5B

FY22 HK$4.5B

FY23 HK$5.0B

FY24 HK$5.4B

FY25 HK$6.5B

Net income +12.0%/yr

FY21 HK$1.3B

FY22 HK$1.2B

FY23 HK$1.6B

FY24 HK$1.7B

FY25 HK$2.1B

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Similar stocks

6 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 1, 2026).

Stock	Price	Fair Value	vs Fair Value
HDFC Bank Limited HDFCBANK	₹786.40	₹1,389	+77%
PT Bank Central Asia Tbk BBCA	4,850 IDR	5,562 IDR	+15%
PT Bank Rakyat Indonesia (Persero) Tbk BBRI	2,590 IDR	5,180 IDR	+100%
Banco Bradesco S.A BBD	5,120 ARS	10,240 ARS	+100%
KB Financial Group 105560	171,600 KRW	165,579 KRW	-4%
PT Bank Mandiri (Persero) Tbk BMRI	4,260 IDR	8,520 IDR	+100%

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Frequently asked questions

Is 0440 (0440) undervalued?

As of Jul 1, 2026, our model estimates a fair value of HK$75.44 versus a price of HK$37.72 — about +100% (undervalued). Model-based estimate, not financial advice.

What is the fair value of 0440?

Our model-based fair value for 0440 is HK$75.44 (as of Jul 1, 2026), built from audited fundamentals. The current price is HK$37.72.

What is the quality score of 0440?

0440 has a Quality Score of 66/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

What is the revenue of 0440 (0440)?

0440 reported trailing-twelve-month revenue of about HK$6.5B (latest available figure, as of Jul 1, 2026).

What is the net profit margin of 0440?

The net profit margin of 0440 is about 31.7%, meaning it keeps roughly 31.7% of revenue as net income. Based on the latest reported figures.

Does 0440 pay a dividend?

0440 currently shows a dividend yield of about 6.74% relative to its recent price (as of Jul 1, 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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.