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Bank of Jiangsu Co Ltd (600919) fair value: what the stock is really worth

We calculate from audited financials what Bank of Jiangsu Co Ltd is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Financial Services · CN · ISIN CNE100002G76

BO Some data Sep 18, 2026

Bank of Jiangsu Co Ltd

600919 · SHG

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value ¥18.97 · Strongly undervalued (+56%)
!Quality 56/100
!Weak Growth (revenue 5y −3.9 %/yr)
✓Highly profitable · 52.0% net margin (TTM)
✓Low debt · generates free cash flow
·4.63% dividend yield
✓Ranks above peers (12/13)
!Moderate moat 64/100
!Insider activity 30/100
!Evidence only medium, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

¥12.62 ¥4.19 Fair Value ¥18.97 Apr 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 18, 2026.

How to read this chart

60‑month range ¥4.19 – ¥12.62 · fair‑value band ¥16.71 – ¥31.36 · the ¥12.17 price screens below the ¥18.97 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 18, 2026.

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Company profile

Bank of Jiangsu Co., Ltd. provides various banking products and services in China. It operates through Corporate Finance business, Personal Finance business, Capital business, and Other businesses segments.

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Bank of Jiangsu Co., Ltd. provides various banking products and services in China. It operates through Corporate Finance business, Personal Finance business, Capital business, and Other businesses segments. The company offers personal banking services including private banking; investment and financing; personal savings; investment and wealth management; personal exchange; personal loans; payment, and welfare and sport lottery agency; and consumer finance services. It also provides corporate banking services comprising time, demand, structured, and current deposits; project financing and wealth management services; inward and outward remittance, export documentary collection and credit, import payment agency, and package loans, as well as L/C advice, review and negotiation, confirmation, and establishment services; money market, fixed income, and foreign exchange and derivatives; investment banking services, such as M&A and reorganization, structured financing, bond market, and securitization; and custody services. In addition, the company provides corporate loan, trade financing, finance leasing, guarantee, remittance and settlement, securities agency, credit card, repurchase transaction, and derivatives trading services; debt instrument investment services; foreign currency; and internet banking services, including direct, mobile, personal online, corporate online, telephone, SMS, and WeChat banking. The company serves individuals, corporations, government agencies, and financial institutions. Bank of Jiangsu Co., Ltd. was incorporated in 2006 and is based in Nanjing, China.

Stock analysis

Bank of Jiangsu Co Ltd (600919) currently trades at ¥12.17, while our model-based Fair Value estimate is ¥18.97, implying the stock looks roughly 35.8% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of ¥24.44 per share, and 6 of the 6 models we run sit above the ¥12.17 price.

Bear case: the Asset-Based group reads lowest at ¥12.34, and 0 of the 6 models stay below the price. Evidence for this calculation is medium.

Scenario range: ¥16.71 (bear) to ¥31.36 (bull), the price of ¥12.17 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 56/100 (solid quality), in the Financial Services sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

Bank of Jiangsu Co Ltd reported revenue of 87.9B CNY in FY2025 versus 123B CNY in FY2021, a compound −8.1%/yr. Reported net income was 34.5B CNY in FY2025, compounding +15.0%/yr from FY2021.

Key figures

Market cap 223B CNY (≈ $33.4B) · P/E ratio 6.7 · P/S ratio 2.64 · EPS (TTM) ¥1.81 · Dividend yield 4.6% · Net margin 39.2% · Return on equity 11.0% · Return on assets (EBIT) 1.0%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).

What moves the price

The share trades near its 52-week high and 27% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at 56%, 600919 screens cheaper than that median.

Fair Value models

Bear ¥16.71 Fair Value ¥18.97 Bull ¥31.36
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (¥0.9012 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income ¥16.57 ¥18.65 ¥31.59 74
DDM Multi-Stage ¥8.02 ¥14.34 ¥18.24 66
Gordon GGM ¥8.02 ¥17.51 ¥29.46 65
All 6 models by family
Dividend Discount
Gordon GGM ¥8.02 ¥17.51 ¥29.46 65
DDM Multi-Stage ¥8.02 ¥14.34 ¥18.24 66
Multiples
P/E Multiple ¥18.33 ¥24.44 ¥30.55 63
P/B Multiple ¥19.34 ¥25.78 ¥32.23 55
Asset-Based
NCAV (Graham) ¥9.21 ¥12.34 ¥18.42 54
Economic Profit
Residual Income ¥16.57 ¥18.65 ¥31.59 74

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Quality Score breakdown

Overall quality 56/100

Of which business quality 58 · Market factors (momentum, volatility) 73

Profitability 34
Margins and returns on capital today
Quality Growth 58
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 31
Balance sheet, leverage, solvency risk
Investment 41
Disciplined investing over empire-building
Low Volatility 95
Calm price path (market factor)
Momentum 57
Price trend over the last 3–12 months (market factor)
52W Momentum 77
Distance to the 52-week high (market factor)
Net Issuance 88
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 40/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−43.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−13.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−3.9%
Revenue growth 20 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+16.1%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+16.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+12.1%
Dividend (yield on the price)4.6%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.12% vs 8%, picking up
Profit margin 2019 to 2024 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.16% → 27%

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Peer Groupⓘ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.Banks - Regional · 1073 stocks

Beats the industry median on 12/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 58 · Above median
Fair Value upside +96% · Top 25%
Profitability
Return on equity (TTM) 11% · Above median
Return on assets 1% · Below median
Net margin (TTM) 52% · Top 25%
Operating margin (TTM) 71% · Top 25%
Growth and dividend
Revenue growth 12% · Above median
Dividend yield (TTM) 4.6% · Top 25%
Balance sheet
Debt / equity 0.19× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 6.7× · Cheapest 25%
P/B 0.62× · Cheapest 25%
P/S (TTM) 3.07× · Cheaper than median
P/FCF 0.1× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 11
FUTURE (revenue growth)61 · sector 44
PAST (return on equity)44 · sector 41
HEALTH (low debt)91 · sector 85
DIVIDEND (yield)93 · sector 53

Context: sector, industry, market

Values & ESG

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

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group DBS19 20.20 THB 6.69 THB −67%
China Merchants Bank Co 3968 HK$51.35 HK$78.59 +53%
Intesa Sanpaolo S.p.A ISP €6.74 €4.04 −40%
HDFC Bank Limited HDB $23.16 $15.60 −33%
BNP Paribas SA BNP €102.32 €105.99 +4%
UniCredit S.p.A UCG €82.92 €77.62 −6%
Mizuho Financial Group MFG $11.15 $9.67 −13%
ICICI Bank Limited ICICIBANK ₹1,359 ₹636.31 −53%
The PNC Financial Services Group PNC $231.49 $159.52 −31%
Oversea-Chinese Banking Corporation O39 31.28 SGD 19.80 SGD −37%

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Bank of Jiangsu Co Ltd · Fair Value
¥18.97 +36%Fair Value
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Cite: Fair Value Calculator (2026). "Bank of Jiangsu Co Ltd Fair Value". https://www.fairvalue-calculator.com/stock/600919

Frequently asked questions

Is Bank of Jiangsu Co Ltd (600919) overvalued or undervalued?
As of Sep 18, 2026, our model estimates a fair value of ¥18.97 versus a price of ¥12.17, about +56% upside (undervalued).
What is the fair value of 600919?
Our model-based fair value for Bank of Jiangsu Co Ltd is ¥18.97 (as of Sep 18, 2026), built from audited fundamentals. The current price: ¥12.17.
What is the quality score of 600919?
Bank of Jiangsu Co Ltd has a Quality Score of 56/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bank of Jiangsu Co Ltd (600919)?
Our model-based price target is the fair value of ¥18.97 (as of Sep 18, 2026) from 6 valuation models. Cautious scenario ¥16.71, optimistic scenario ¥31.36. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank of Jiangsu Co Ltd stock forecast for 2026?
Our models put fair value at ¥18.97, about +56% upside versus a price of ¥12.17 (undervalued). Cautious scenario ¥16.71, optimistic scenario ¥31.36. The calculation is refreshed regularly with new filings.
What is the revenue of Bank of Jiangsu Co Ltd (600919)?
Bank of Jiangsu Co Ltd reported trailing-twelve-month revenue of about 67.9B CNY (latest available figure, as of Sep 18, 2026).
Does Bank of Jiangsu Co Ltd pay a dividend?
Bank of Jiangsu Co Ltd currently shows a dividend yield of about 4.63% relative to its recent price (as of Sep 18, 2026).
What is the intrinsic value of Bank of Jiangsu Co Ltd (600919)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank of Jiangsu Co Ltd it is ¥18.97 per share (as of Sep 18, 2026), against a price of ¥12.17. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Bank of Jiangsu Co Ltd stock overvalued or undervalued in 2026?
As of Sep 18, 2026, 600919 trades below its calculated fair value: price ¥12.17, fair value ¥18.97, a gap of about +56% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 600919?
No. The price is what the market pays today (¥12.17); the fair value is what the company's own numbers justify (¥18.97). For Bank of Jiangsu Co Ltd the two are ¥6.80 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank of Jiangsu Co Ltd worth?
The market values Bank of Jiangsu Co Ltd at about 223B CNY (market capitalisation, as of Sep 18, 2026). Per share that is ¥12.17; our models calculate a fair value of ¥18.97 per share.
What do the bullish and bearish scenarios say about 600919?
Our models span a range for Bank of Jiangsu Co Ltd: cautious scenario ¥16.71, base ¥18.97, optimistic ¥31.36 per share (as of Sep 18, 2026, price ¥12.17). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 600919?
Bank of Jiangsu Co Ltd trades at a price-to-earnings ratio of 6.7 (as of Sep 18, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ¥18.97 is built from several models across several years. Other multiples: P/B 0.6, P/S 3.1.
How solid is the balance sheet of Bank of Jiangsu Co Ltd (600919)?
Balance-sheet figures for Bank of Jiangsu Co Ltd (as of Sep 18, 2026): return on equity 11.0%, debt of 0.19 per unit of equity. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is 600919 from its 52-week high?
Bank of Jiangsu Co Ltd trades at ¥12.17, about 1% below its 52-week high of ¥12.03 and 27% above the low of ¥9.55 (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of ¥18.97 is for.
Which stocks are comparable to Bank of Jiangsu Co Ltd?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bank of Jiangsu Co Ltd stock attractive at the current price?
The data as of Sep 18, 2026: price ¥12.17, calculated fair value ¥18.97 (+56%), Quality Score 56/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 600919 calculated?
We run Bank of Jiangsu Co Ltd through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ¥18.97, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 16.1 % above its aggregate fair value. Bank of Jiangsu Co Ltd currently trades 56 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bank of Jiangsu Co Ltd (600919)?
The closing price on Sep 18, 2026 was ¥12.17. Our model-based fair value is ¥18.97, about +56% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank of Jiangsu Co Ltd right now?
The price is below even our cautious bear case (¥16.71). The market is more pessimistic than our downside scenario. Solid quality (56/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (¥16.71 to ¥31.36) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Bank of Jiangsu Co Ltd (600919) come from?
Earnings per share at Bank of Jiangsu Co Ltd grew +7.3 % a year from 2013 to 2024. Broken into its drivers: revenue per share +5.6 %, EBIT margin +1.6 %, tax rate +0.4 %, residual (interest, one-offs) −0.4 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Bank of Jiangsu Co Ltd

How large is the market capitalisation of Bank of Jiangsu Co Ltd (600919)?
The market capitalisation of Bank of Jiangsu Co Ltd is 223B CNY (≈ $33.4B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bank of Jiangsu Co Ltd (600919)?
The price-to-sales ratio of Bank of Jiangsu Co Ltd is 2.64 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank of Jiangsu Co Ltd (600919)?
Earnings per share at Bank of Jiangsu Co Ltd are ¥1.81 (price ÷ EPS = P/E 6.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bank of Jiangsu Co Ltd (600919)?
The dividend yield of Bank of Jiangsu Co Ltd is 4.6% (payout 31.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Bank of Jiangsu Co Ltd (600919)?
The net margin of Bank of Jiangsu Co Ltd is 39.2% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bank of Jiangsu Co Ltd (600919)?
The return on equity (ROE) of Bank of Jiangsu Co Ltd is 11.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bank of Jiangsu Co Ltd (600919)?
On an EBIT basis the return on assets of Bank of Jiangsu Co Ltd is 1.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bank of Jiangsu Co Ltd (600919)?
The operating margin of Bank of Jiangsu Co Ltd is 71.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank of Jiangsu Co Ltd (600919)?
Revenue at Bank of Jiangsu Co Ltd is growing +12.2% versus a year earlier (3y avg −13.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bank of Jiangsu Co Ltd (600919)?
Earnings per share at Bank of Jiangsu Co Ltd are growing +9.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank of Jiangsu Co Ltd (600919) generate?
The free cash flow of Bank of Jiangsu Co Ltd is 560B CNY (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Bank of Jiangsu Co Ltd (600919) carry?
The net debt of Bank of Jiangsu Co Ltd is 434B CNY (fiscal year 2025, ≈ 0.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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