3698 (3698) Fair Value & Analysis
Financial Services · Market cap HK$60.8B
Fair value as of: Jul 2, 2026
From 26 valuation models · updated today
Share price −12.1% over the past month.
Price vs Fair Value (12 months)
12‑month range HK$3.17 – HK$5.34 · fair‑value band HK$6.54 – HK$10.90 · the HK$4.36 price screens below the HK$8.72 fair value. As of Jul 2, 2026.
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3698 (3698) currently trades at HK$4.36, while our model-based Fair Value estimate is HK$8.72 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 61/100 (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, 3698 generated revenue of HK$30.9B at a net margin of 53.5%. Revenue grew 6.0% year over year. It earns a return on equity of 10.1%. Net debt stands at HK$482B. 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
3698 reported revenue of HK$75.9B in FY2025 versus HK$22.2B in FY2021, a compound +36.0%/yr. Reported net income was HK$16.1B in FY2025, compounding +8.9%/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 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 | ₹746.85 | ₹880.28 | +18% |
| PT Bank Central Asia Tbk BBCA | 6,225 IDR | 6,617 IDR | +6% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,870 IDR | 5,740 IDR | +100% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| KB Financial Group 105560 | 157,000 KRW | 205,701 KRW | +31% |
| PT Bank Mandiri (Persero) Tbk BMRI | 3,710 IDR | 7,420 IDR | +100% |
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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.