0998 (0998) Fair Value & Analysis

Financial Services · Market cap HK$370B

0 0998 0998 · HK

PriceHK$6.65

Fair ValueHK$13.30

Upside+100.0%

Quality54/100

Evidence: High Range HK$9.97 – HK$16.63

Fair value as of: Jul 2, 2026

From 26 valuation models · updated today

Share price −8.8% over the past month.

Price vs Fair Value (12 months)

12‑month range HK$6.24 – HK$8.32 · fair‑value band HK$9.97 – HK$16.63 · the HK$6.65 price screens below the HK$13.30 fair value. As of Jul 2, 2026.

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Analysis

0998 (0998) currently trades at HK$6.65, while our model-based Fair Value estimate is HK$13.30 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 54/100 (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, 0998 generated revenue of HK$156B at a net margin of 45.7%. Revenue grew 3.2% year over year. It earns a return on equity of 8.5%. Net debt stands at HK$2.7T. Fundamentals as of Jul 2, 2026

Key figures & financial health

Revenue (TTM) HK$156B

Revenue growth (YoY) +3.2%

Net margin 45.7%

Return on equity 8.5%

Free cash flow HK$67.6B FY2025

P/E ratio 4.8

More key figures

Operating margin 60.9%

EPS (TTM) HK$1.25

Dividend yield 5.6%

Net debt HK$2.7T FY2025

Figures from reported company fundamentals (EODHD) · as of Jul 2, 2026. TTM = trailing twelve months.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

0998 reported revenue of HK$347B in FY2025 versus HK$363B in FY2021, a compound −1.1%/yr. Reported net income was HK$68.8B in FY2025, compounding +5.4%/yr from FY2021.

Revenue −1.1%/yr

FY21 HK$363B

FY22 HK$374B

FY23 HK$379B

FY24 HK$376B

FY25 HK$347B

Net income +5.4%/yr

FY21 HK$55.6B

FY22 HK$62.1B

FY23 HK$67.0B

FY24 HK$68.6B

FY25 HK$68.8B

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Similar stocks

6 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 2, 2026).

Stock	Price	Fair Value	vs Fair Value
HDFC Bank Limited HDFCBANK	₹786.40	₹1,389	+77%
PT Bank Central Asia Tbk BBCA	5,650 IDR	5,671 IDR	+0%
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	4,220 IDR	8,440 IDR	+100%

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Frequently asked questions

Is 0998 (0998) undervalued?

As of Jul 2, 2026, our model estimates a fair value of HK$13.30 versus a price of HK$6.65 — about +100% (undervalued). Model-based estimate, not financial advice.

What is the fair value of 0998?

Our model-based fair value for 0998 is HK$13.30 (as of Jul 2, 2026), built from audited fundamentals. The current price is HK$6.65.

What is the quality score of 0998?

0998 has a Quality Score of 54/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

What is the revenue of 0998 (0998)?

0998 reported trailing-twelve-month revenue of about HK$156B (latest available figure, as of Jul 2, 2026).

What is the net profit margin of 0998?

The net profit margin of 0998 is about 45.7%, meaning it keeps roughly 45.7% of revenue as net income. Based on the latest reported figures.

Does 0998 pay a dividend?

0998 currently shows a dividend yield of about 5.62% relative to its recent price (as of Jul 2, 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.