Qilu Bank Co Ltd (601665) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Qilu Bank Co Ltd stock ¥8.69, price ¥6.52, upside +33.3%, quality 53 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
- Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free
Qilu Bank Co Ltd
601665 · SHGThe stock costs 25% less than our calculation considers fair.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range ¥3.25 – ¥9.75 · fair‑value band ¥6.53 – ¥10.88 · the ¥6.52 price screens below the ¥8.69 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
Every Wednesday you see whether Qilu Bank Co is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Company profile
QILU BANK CO., LTD. provides personal and corporate banking services in the People's Republic of China.
Show moreShow less
The company offers personal savings products, including fixed deposits and withdrawals; personal demand, savings, personal notice deposits, and personal monthly profit; personal consumer loans, housing mortgage, consumer credit, home and home improvement, car, and other loans; wealth management services; credit cards; and insurance products.
It also provides corporate loans; corporate deposits; and corporate financing; supply chain finance; cash management; and investment banking products and services.
In addition, the company offers international banking products and services, such as foreign exchange funds, accounts, deposits, and guarantees; trade financing; remittance route; international settlement services; and Internet banking services.
Further, it is involved in interbank lending and investment, bond investment, and foreign exchange and derivatives trading activities. The company was formerly known as Jinan City Commercial Bank Co., Ltd and changed its name to QILU BANK CO., LTD. in June 2009.
The company was founded in 1996 and is based in Jinan, the People's Republic of China.
Stock analysis
Qilu Bank Co Ltd (601665) currently trades at ¥6.52, while our model-based Fair Value estimate is ¥8.69, implying the stock looks roughly 25% undervalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of ¥8.70 per share, and 2 of the 6 models we run sit above the ¥6.52 price.
Bear case: the Dividend Discount group reads lowest at ¥5.73, and 4 of the 6 models stay below the price. Data coverage for this calculation is low.
Scenario range: ¥6.53 (bear) to ¥10.88 (bull), the price of ¥6.52 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 53/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Qilu Bank Co Ltd reported revenue of 5.8B CNY in FY2025 versus 18.1B CNY in FY2021, a compound −24.8%/yr. Reported net income was 5.7B CNY in FY2025, compounding +17.1%/yr from FY2021.
Key figures
Market cap 37.3B CNY (≈ $5.6B) Mid · P/E ratio 6.9 · P/S ratio 2.67 · EPS (TTM) ¥0.9500 · Dividend yield 2.0% · Net margin 44.1% · Return on equity 11.3% · Return on assets (EBIT) 0.9% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (low confidence).
What moves the price
The share trades about 10% below 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 −28% fair-value upside, at 33%, 601665 screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
Watch 601665, get fair value alerts →
Compare Qilu Bank Co Ltd with another stock
Price, fair value, quality and upside side by side.
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 · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- PEG ratio by industry
- Revenue growth by industry
- PEG screener for stocks with fair value
- Undervalued stocks: Chinese Stocks
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs 601665 |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs 601665 |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs 601665 |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs 601665 |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs 601665 |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs 601665 |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs 601665 |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs 601665 |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs 601665 |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs 601665 |
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is Qilu Bank Co Ltd (601665) overvalued or undervalued?
What is the fair value of 601665?
What is the quality score of 601665?
What is the price target for Qilu Bank Co Ltd (601665)?
What is the Qilu Bank Co Ltd stock forecast for 2026?
What is the revenue of Qilu Bank Co Ltd (601665)?
Does Qilu Bank Co Ltd pay a dividend?
How much is the dividend of Qilu Bank Co Ltd (601665) and when is the ex-dividend date?
What is the intrinsic value of Qilu Bank Co Ltd (601665)?
Is Qilu Bank Co Ltd stock overvalued or undervalued in 2026?
Is fair value the same as the market price of 601665?
How much is Qilu Bank Co Ltd worth?
What do the bullish and bearish scenarios say about 601665?
What is the P/E ratio of 601665?
How solid is the balance sheet of Qilu Bank Co Ltd (601665)?
How far is 601665 from its 52-week high?
Which stocks are comparable to Qilu Bank Co Ltd?
Is Qilu Bank Co Ltd stock attractive at the current price?
How is the fair value of 601665 calculated?
Is it still worth investing in stocks now?
What is the share price of Qilu Bank Co Ltd (601665)?
What should I pay attention to with Qilu Bank Co Ltd right now?
Where does the earnings growth of Qilu Bank Co Ltd (601665) come from?
Key figures of Qilu Bank Co Ltd
How large is the market capitalisation of Qilu Bank Co Ltd (601665)?
What is the P/S ratio of Qilu Bank Co Ltd (601665)?
What are the earnings per share of Qilu Bank Co Ltd (601665)?
What is the dividend yield of Qilu Bank Co Ltd (601665)?
What is the net margin of Qilu Bank Co Ltd (601665)?
What is the return on equity of Qilu Bank Co Ltd (601665)?
What is the EBIT return on assets of Qilu Bank Co Ltd (601665)?
What is the operating margin of Qilu Bank Co Ltd (601665)?
How fast is revenue growing at Qilu Bank Co Ltd (601665)?
How fast are earnings growing at Qilu Bank Co Ltd (601665)?
How much free cash flow does Qilu Bank Co Ltd (601665) generate?
How much net debt does Qilu Bank Co Ltd (601665) carry?
Watch Qilu Bank Co Ltd in the live analysis
One click puts Qilu Bank Co Ltd on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.