3618 (3618) Fair Value & Analysis

Financial Services · Market cap HK$67.0B

3 3618 3618 · HK

PriceHK$5.90

Fair ValueHK$11.80

Upside+100.0%

Quality50/100

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Evidence: High Range HK$8.85 – HK$14.75

Fair value as of: Jul 2, 2026

From 26 valuation models · updated today

Share price −7.7% over the past month.

Price vs Fair Value (12 months)

12‑month range HK$5.37 – HK$7.12 · fair‑value band HK$8.85 – HK$14.75 · the HK$5.90 price screens below the HK$11.80 fair value. As of Jul 2, 2026.

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Analysis

3618 (3618) currently trades at HK$5.90, while our model-based Fair Value estimate is HK$11.80 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 50/100 (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, 3618 generated revenue of HK$23.6B at a net margin of 52.2%. Revenue grew 7.0% year over year. It earns a return on equity of 9.0%. Net debt stands at HK$410B. Fundamentals as of Jul 2, 2026

Key figures & financial health

Revenue (TTM) HK$23.6B

Revenue growth (YoY) +7.0%

Net margin 52.2%

Return on equity 9.0%

Free cash flow HK$17.0B FY2025

P/E ratio 4.9

More key figures

Operating margin 72.2%

EPS (TTM) HK$1.07

Dividend yield 5.6%

EPS growth (YoY) +6.1%

Net debt HK$410B FY2025

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

3618 reported revenue of HK$27.9B in FY2025 versus HK$56.5B in FY2021, a compound −16.2%/yr. Reported net income was HK$12.1B in FY2025, compounding +6.1%/yr from FY2021.

Revenue −16.2%/yr

FY21 HK$56.5B

FY22 HK$54.7B

FY23 HK$22.0B

FY24 HK$52.3B

FY25 HK$27.9B

Net income +6.1%/yr

FY21 HK$9.6B

FY22 HK$10.3B

FY23 HK$10.9B

FY24 HK$11.5B

FY25 HK$12.1B

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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	₹747.05	₹894.11	+20%
PT Bank Central Asia Tbk BBCA	5,650 IDR	5,671 IDR	+0%
PT Bank Rakyat Indonesia (Persero) Tbk BBRI	2,880 IDR	5,760 IDR	+100%
Banco Bradesco S.A BBD	5,120 ARS	10,240 ARS	+100%
KB Financial Group 105560	153,700 KRW	213,797 KRW	+39%
PT Bank Mandiri (Persero) Tbk BMRI	4,220 IDR	8,440 IDR	+100%

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Frequently asked questions

Is 3618 (3618) undervalued?

As of Jul 2, 2026, our model estimates a fair value of HK$11.80 versus a price of HK$5.90 — about +100% (undervalued). Model-based estimate, not financial advice.

What is the fair value of 3618?

Our model-based fair value for 3618 is HK$11.80 (as of Jul 2, 2026), built from audited fundamentals. The current price is HK$5.90.

What is the quality score of 3618?

3618 has a Quality Score of 50/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

What is the revenue of 3618 (3618)?

3618 reported trailing-twelve-month revenue of about HK$23.6B (latest available figure, as of Jul 2, 2026).

What is the net profit margin of 3618?

The net profit margin of 3618 is about 52.2%, meaning it keeps roughly 52.2% of revenue as net income. Based on the latest reported figures.

Does 3618 pay a dividend?

3618 currently shows a dividend yield of about 5.55% 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.