Hua Xia Bank Co (600015) Fair Value & Analysis

Financial Services · CN · Market cap 108B CNY

A solid business, screening 99% undervalued on our models.

What matters now

• The price is below even our cautious bear case (¥10.17). The market is more pessimistic than our downside scenario.
• Solid quality (52/100) at a price below fair value, the discount is the argument here, not the business quality.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 11, 2026.

How to read this chart

60‑month range ¥4.47 – ¥8.58 · fair‑value band ¥10.17 – ¥16.95 · the ¥6.81 price screens below the ¥13.56 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 11, 2026.

Full chart & analysis →

Which stocks are undervalued right now? Check free Discover now →

Analysis

Hua Xia Bank Co (600015) currently trades at ¥6.81, while our model-based Fair Value estimate is ¥13.56, implying the stock looks roughly 99.1% undervalued today. We read business quality at 52/100 (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, Hua Xia Bank Co generated revenue of 67.4B CNY at a net margin of 40.2%. Revenue grew 4.6% year over year. It earns a return on equity of 7.2%. Net debt stands at 567B CNY. Fundamentals as of Jul 11, 2026

Our scenario range runs from ¥10.17 (bear case) to ¥16.95 (bull case); at ¥6.81, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 22% below its 52-week high and 8% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 99%, 600015 screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: DCF Models (¥19.44) versus Earnings-Based (¥4.36). Highest evidence: Growth DCF (80).

Key figures & financial health

Quality Score breakdown

About the company

Hua Xia Bank Co., Limited provides commercial banking services in China and Hong Kong. It offers current, time, corporate agreement, foreign currency, and notice deposit products; debit and credit services; housing loans, business loans, life loans, and personal loans, as well as working capital, credit, stock pledge, fixed asset, guarantee, and syndicate …

Full company description

Hua Xia Bank Co., Limited provides commercial banking services in China and Hong Kong. It offers current, time, corporate agreement, foreign currency, and notice deposit products; debit and credit services; housing loans, business loans, life loans, and personal loans, as well as working capital, credit, stock pledge, fixed asset, guarantee, and syndicate loans; financial services, such as trading, investment, foreign exchange, and third-party depositary; and fund products. The company also provides intermediary services, including agency sales, guarantees, agency collection and payment services, settlement, and other services; asset custody services; internet and mobile banking; internet fund; online payment services; and wealth management, and FX trading and advisory services. In addition, it offers insurance services, trust services, brokerage, personal exchange settlement, personal deposit certification, and safe-deposit boxes. The company was incorporated in 1992 and is headquartered in Beijing, China.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Hua Xia Bank Co reported revenue of ¥91.7B in FY2025 versus ¥169B in FY2021, a compound −14.2%/yr. Reported net income was ¥27.2B in FY2025, compounding +3.7%/yr from FY2021.

Watch 600015: get an alert when its fair value changes →

Peer Group

Banks - Regional · 1082 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 11, 2026).

Explore undervalued stocks

More undervalued Financial Services stocks →

Frequently asked questions

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.