Bank of Guizhou Co (6199) Fair Value & Analysis
Financial Services · HK · Market cap HK$14.3B
Fair value as of: Jul 7, 2026
From 6 valuation models · updated 34 days ago
Fair value updated Jul 7, 2026, revised from HK$2.00 to HK$2.02 (+1.0%) since Jul 2, 2026. Share price −6.2% over the past month.
A solid business, screening 122% undervalued on our models.
What matters now
- The price is below even our cautious bear case (HK$1.51). 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 7, 2026.
How to read this chart
60‑month range HK$0.8700 – HK$2.52 · fair‑value band HK$1.51 – HK$2.52 · the HK$0.9100 price screens below the HK$2.02 fair value. Dashed = 300-day average. As of Jul 7, 2026.
Analysis
Bank of Guizhou Co (6199) currently trades at HK$0.9100, while our model-based Fair Value estimate is HK$2.02, implying the stock looks roughly 122.0% undervalued today. The Quality Score stands 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, Bank of Guizhou Co generated revenue of HK$8.4B at a net margin of 47.9%. Revenue grew 18.7% year over year. It earns a return on equity of 7.6%. Net debt stands at HK$148B. Fundamentals as of Jul 7, 2026
Our scenario range runs from HK$1.51 (bear case) to HK$2.52 (bull case); at HK$0.9100, 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 32% below its 52-week high, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 122%, 6199 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.
All 6 models by family
Widest divergence: Multiples (HK$3.58) versus Dividend Discount (HK$0.7000). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 7, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 44 · Market factors (momentum, volatility) 34
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Bank of Guizhou Co., Ltd. engages in the provision of various banking products and services in the People's Republic of China. It operates through Corporate Banking, Retail Banking, Financial Markets, and Other segments.
Full company description
Bank of Guizhou Co., Ltd. engages in the provision of various banking products and services in the People's Republic of China. It operates through Corporate Banking, Retail Banking, Financial Markets, and Other segments. It offers time and demand deposits; corporate loans and advances; personal loans, including residential mortgage, business, and consumption loans; trade financing, agency, and deposit taking activities, such as agency services, wealth management, consultancy, settlement and clearing, and acceptance and guarantee services; credit cards; and remittance services, as well as loans to micro and small enterprises. The company is also involved in the inter-bank money market transaction, repurchase transaction, and investment activities, as well as trading of debt securities. Bank of Guizhou Co., Ltd. was incorporated in 2012 and is headquartered in Guiyang, the People's Republic of China.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Bank of Guizhou Co reported revenue of HK$8.4B in FY2025 versus HK$23.3B in FY2021, a compound −22.5%/yr. Reported net income was HK$4.0B in FY2025, compounding +2.1%/yr from FY2021.
of which total revenue +4.3 pp · buybacks/dilution −3.6 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
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Peer Group
Banks - Regional · 1083 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 7, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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Frequently asked questions
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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.
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