3328 (3328) Fair Value & Analysis

Financial Services · Market cap HK$583B

3 3328 3328 · HK

PriceHK$6.55

Fair ValueHK$13.10

Upside+100.0%

Quality49/100

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Evidence: High Range HK$9.82 – HK$16.37

Fair value as of: Jul 2, 2026

From 26 valuation models · updated today

Share price −10.1% over the past month.

Price vs Fair Value (12 months)

12‑month range HK$6.06 – HK$7.49 · fair‑value band HK$9.82 – HK$16.37 · the HK$6.55 price screens below the HK$13.10 fair value. As of Jul 2, 2026.

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Analysis

3328 (3328) currently trades at HK$6.55, while our model-based Fair Value estimate is HK$13.10 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 49/100 (below-average 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, 3328 generated revenue of HK$212B at a net margin of 45.4%. Revenue grew 3.1% year over year. It earns a return on equity of 7.9%. Net debt stands at HK$4.0T. Fundamentals as of Jul 2, 2026

Key figures & financial health

Revenue (TTM) HK$212B

Revenue growth (YoY) +3.1%

Net margin 45.4%

Return on equity 7.9%

Free cash flow HK$80.6B FY2025

P/E ratio 5.5

More key figures

Operating margin 53.9%

EPS (TTM) HK$1.08

Dividend yield 5.0%

EPS growth (YoY) -11.8%

Net debt HK$4.0T FY2025

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

3328 reported revenue of HK$499B in FY2025 versus HK$203B in FY2021, a compound +25.2%/yr. Reported net income was HK$93.1B in FY2025, compounding +1.6%/yr from FY2021.

Revenue +25.2%/yr

FY21 HK$203B

FY22 HK$196B

FY23 HK$201B

FY24 HK$207B

FY25 HK$499B

Net income +1.6%/yr

FY21 HK$87.6B

FY22 HK$92.1B

FY23 HK$92.7B

FY24 HK$93.6B

FY25 HK$93.1B

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Similar stocks

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

Stock	Price	Fair Value	vs Fair Value
JPMorgan Chase & Co JPM	C$42.65	C$25.37	-41%
Industrial and Commercial Bank of China Limited IDCBY	$18.43	$36.86	+100%
Bank of America Corporation BOFA	C$28.67	C$13.14	-54%
China Construction Bank Corporation 601939	¥10.22	¥20.44	+100%
Agricultural Bank of China Limited 601288	¥6.71	¥13.42	+100%
HSBC Holdings HSBC	$86.16	$72.46	-16%

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Frequently asked questions

Is 3328 (3328) undervalued?

As of Jul 2, 2026, our model estimates a fair value of HK$13.10 versus a price of HK$6.55 — about +100% (undervalued). Model-based estimate, not financial advice.

What is the fair value of 3328?

Our model-based fair value for 3328 is HK$13.10 (as of Jul 2, 2026), built from audited fundamentals. The current price is HK$6.55.

What is the quality score of 3328?

3328 has a Quality Score of 49/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

What is the revenue of 3328 (3328)?

3328 reported trailing-twelve-month revenue of about HK$212B (latest available figure, as of Jul 2, 2026).

What is the net profit margin of 3328?

The net profit margin of 3328 is about 45.4%, meaning it keeps roughly 45.4% of revenue as net income. Based on the latest reported figures.

Does 3328 pay a dividend?

3328 currently shows a dividend yield of about 4.97% 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.