2328 (2328) Fair Value & Analysis
Financial Services · Market cap HK$313B
Fair value as of: Jul 2, 2026
From 26 valuation models · updated today
Share price +1.8% over the past month.
Price vs Fair Value (12 months)
12‑month range HK$13.47 – HK$18.59 · fair‑value band HK$19.90 – HK$33.16 · the HK$14.07 price screens below the HK$26.53 fair value. As of Jul 2, 2026.
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2328 (2328) currently trades at HK$14.07, while our model-based Fair Value estimate is HK$26.53 — implying the stock looks roughly 88.6% undervalued today. We read business quality at 60/100 (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, 2328 generated revenue of HK$545B at a net margin of 7.4%. Revenue grew 4.9% year over year. It earns a return on equity of 14.7%. Net debt stands at HK$49.7B. Fundamentals as of Jul 2, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 2, 2026. TTM = trailing twelve months.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
2328 reported revenue of HK$512B in FY2025 versus HK$418B in FY2021, a compound +5.2%/yr. Reported net income was HK$39.3B in FY2025, compounding +15.2%/yr from FY2021.
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External third-party headlines (Yahoo Finance, Reuters and others) — not an editorial selection, not financial advice.
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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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.