1339 (1339) Fair Value & Analysis

Financial Services · Market cap HK$207B

1 1339 1339 · HK

PriceHK$4.69

Fair ValueHK$9.38

Upside+100.0%

Quality53/100

Evidence: Medium Range HK$7.03 – HK$11.73

Fair value as of: Jul 2, 2026

From 24 valuation models · updated today

Share price −9.5% over the past month.

Price vs Fair Value (12 months)

12‑month range HK$4.69 – HK$7.54 · fair‑value band HK$7.03 – HK$11.73 · the HK$4.69 price screens below the HK$9.38 fair value. As of Jul 2, 2026.

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Analysis

1339 (1339) currently trades at HK$4.69, while our model-based Fair Value estimate is HK$9.38 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 53/100 (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: medium) — always confirm before acting.

Over the trailing twelve months, 1339 generated revenue of HK$617B at a net margin of 6.8%. Revenue declined 4.4% year over year. It earns a return on equity of 14.0%. Net debt stands at HK$151B. Fundamentals as of Jul 2, 2026

Key figures & financial health

Revenue (TTM) HK$617B

Revenue growth (YoY) -4.4%

Net margin 6.8%

Return on equity 14.0%

Free cash flow HK$139B FY2025

P/E ratio 4.1

More key figures

Operating margin 10.4%

EPS (TTM) HK$0.7714

Dividend yield 4.6%

EPS growth (YoY) -34.5%

Net debt HK$151B FY2025

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

1339 reported revenue of HK$647B in FY2025 versus HK$592B in FY2021, a compound +2.3%/yr. Reported net income was HK$45.0B in FY2025, compounding +20.3%/yr from FY2021.

Revenue +2.3%/yr

FY21 HK$592B

FY22 HK$475B

FY23 HK$530B

FY24 HK$599B

FY25 HK$647B

Net income +20.3%/yr

FY21 HK$21.5B

FY22 HK$25.4B

FY23 HK$22.3B

FY24 HK$42.2B

FY25 HK$45.0B

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Similar stocks

6 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate (as of Jul 2, 2026).

Stock	Price	Fair Value	vs Fair Value
Chubb Limited C1BL34	R$419.16	R$86.39	-79%
The Progressive Corporation PGR	$204.02	$316.22	+55%
Tokio Marine Holdings TKOMF	$45.59	$41.60	-9%
The Travelers Companies, Inc TRV	5,323 MXN	5,975 MXN	+12%
The Allstate Corporation ALL	$222.56	$445.12	+100%
PICC Property and Casualty Company PPCCY	$49.08	$90.98	+85%

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Frequently asked questions

Is 1339 (1339) undervalued?

As of Jul 2, 2026, our model estimates a fair value of HK$9.38 versus a price of HK$4.69 — about +100% (undervalued). Model-based estimate, not financial advice.

What is the fair value of 1339?

Our model-based fair value for 1339 is HK$9.38 (as of Jul 2, 2026), built from audited fundamentals. The current price is HK$4.69.

What is the quality score of 1339?

1339 has a Quality Score of 53/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

What is the revenue of 1339 (1339)?

1339 reported trailing-twelve-month revenue of about HK$617B (latest available figure, as of Jul 2, 2026).

What is the net profit margin of 1339?

The net profit margin of 1339 is about 6.8%, meaning it keeps roughly 6.8% of revenue as net income. Based on the latest reported figures.

Does 1339 pay a dividend?

1339 currently shows a dividend yield of about 4.61% 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.