China Everbright Bank Co Ltd (601818) fair value: what the stock is really worth
We calculate from audited financials what China Everbright Bank 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.
- Fair value above price? Yes
- Good quality? Yes
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China Everbright Bank Co Ltd
601818 · SHGClearly undervaluedStrong Fair Value upside, but quality is only moderate.
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, dashed = 300-day average. As of Sep 18, 2026.
How to read this chart
60‑month range ¥2.55 – ¥4.44 · fair‑value band ¥4.58 – ¥7.63 · the ¥3.02 price screens below the ¥6.10 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 18, 2026.
Company profile
China Everbright Bank Company Limited provides a range of financial products and services to corporations and government agencies, retail customers, and individuals in Mainland China, Hong Kong, Luxembourg, Macao, Seoul, and Sydney.
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China Everbright Bank Company Limited provides a range of financial products and services to corporations and government agencies, retail customers, and individuals in Mainland China, Hong Kong, Luxembourg, Macao, Seoul, and Sydney. It offers notice, RMB general and intelligent agreement, structured, and other deposits; working capital, fixed asset, project financing, syndicated, entrusted, and other loans; personal loans; E-grain, E-mortgage, and E-catering loans; overdraft facilities; and credit and debit cards. The company also provides bank acceptance bills; investment banking services, such as bond underwriting services, M&A financing, corporate asset-backed and credit asset-backed securitization, and intermediary business; auto and trade finance; factoring, FX transactions, e-settlement, e-financing chain, and blockchain forfaiting transaction platform; risk management products; interbank business products, such as interbank lending and deposits, fund custody, clearing agency, and issuance of L/G; and asset custody and management services. In addition, it is involved in monetary market, bond investment, bond underwriting, and proprietary bond trading business; foreign exchange trading; provision of mobile and online banking services; and operates mobile, electronic, and cloud fee payment platforms. The company was founded in 1992 and is headquartered in Beijing, China.
Stock analysis
China Everbright Bank Co Ltd (601818) currently trades at ¥3.02, while our model-based Fair Value estimate is ¥6.10, implying the stock looks roughly 50.5% undervalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of ¥10.48 per share, and 6 of the 6 models we run sit above the ¥3.02 price.
Bear case: the Asset-Based group reads lowest at ¥6.86, and 0 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: ¥4.58 (bear) to ¥7.63 (bull), the price of ¥3.02 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 65/100 (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.
China Everbright Bank Co Ltd reported revenue of 126B CNY in FY2025 versus 270B CNY in FY2021, a compound −17.3%/yr. Reported net income was 38.8B CNY in FY2025, compounding −2.7%/yr from FY2021.
Key figures
Market cap 178B CNY (≈ $26.7B) · P/E ratio 5.6 · P/S ratio 1.72 · EPS (TTM) ¥0.5600 · Dividend yield 5.8% · Net margin 30.7% · Return on equity 6.5% · Return on assets (EBIT) 0.8%.
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 about 33% below its 52-week high, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at 102%, 601818 screens cheaper than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 63 · Market factors (momentum, volatility) 43
Revenue & earnings trend
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Compare China Everbright 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 · 1073 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- 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 |
|---|---|---|---|
| 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 | $23.34 | $15.75 | −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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Frequently asked questions
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Key figures of China Everbright Bank Co Ltd
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