China Everbright Bank Co Ltd (6818) Fair Value & Analysis
Financial Services · HK · Market cap HK$171B (≈ $21.8B) · ISIN CNE100001QW3
What is China Everbright Bank Co Ltd really worth?
A solid business, trading 52% below our fair value of HK$5.94.
As of Aug 29, 2026, the fair value of China Everbright Bank Co Ltd is HK$5.94 per share against a price of HK$2.87, so the fair value sits 107% above the price. A model estimate blended from multiple valuation models, recalculated regularly.
Strengths
Risks
For context
Fair value as of: Aug 29, 2026
From 6 valuation models · updated 8 days ago
Fair value updated Aug 29, 2026, revised from HK$5.98 to HK$5.94 (−0.7%) since Aug 13, 2026. Share price −7.9% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price is below even our cautious bear case (HK$4.46). The market is more pessimistic than our downside scenario.
- The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
- Solid quality (51/100) 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 Aug 29, 2026.
How to read this chart
60‑month range HK$1.50 – HK$3.85 · fair‑value band HK$4.46 – HK$7.42 · the HK$2.87 price screens below the HK$5.94 fair value. Dashed = 300-day average. As of Aug 29, 2026.
Analysis
China Everbright Bank Co Ltd (6818) currently trades at HK$2.87, while our model-based Fair Value estimate is HK$5.94, implying the stock looks roughly 51.8% undervalued today. The Quality Score stands at 51/100 (solid quality), in the Financial Services sector. Bull case: the Dividend Discount group reads highest at a median of HK$10.03 per share, and 6 of the 6 models we run sit above the HK$2.87 price. Bear case: the Asset-Based group reads lowest at HK$6.05, and 0 of the 6 models stay below the price. Evidence for this calculation is low.
Over the trailing twelve months, China Everbright Bank Co Ltd generated revenue of HK$88.1B at a net margin of 42.9%. Revenue declined 7.1% year over year. It earns a return on equity of 6.5%. Net debt stands at HK$914B. Fundamentals as of Aug 29, 2026
Our scenario range runs from HK$4.46 (bear case) to HK$7.42 (bull case); at HK$2.87, 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 26% below its 52-week high and 1% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at 107%, 6818 screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly HK$0.1599 per share, which is 2.7 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced 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. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Dividend Discount (HK$10.03) versus Asset-Based (HK$6.05). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 29, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 53 · Market factors (momentum, volatility) 42
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.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
China Everbright Bank Co Ltd reported revenue of 245B CNY in FY2025 versus 270B CNY in FY2021, a compound −2.4%/yr. Reported net income was 38.8B CNY in FY2025, compounding −2.7%/yr from FY2021.
of which total revenue +5.6 % · buybacks/dilution −3.1 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
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Peer Group
Banks - Regional · 1070 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
Strength profile in five axes (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.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 29, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | −46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.78 | €5.66 | −17% |
| HDFC Bank Limited HDB | $23.18 | $24.12 | +4% |
| BNP Paribas SA BNP | €104.54 | €144.64 | +38% |
| UniCredit S.p.A UCG | €84.71 | €77.62 | −8% |
| Mizuho Financial Group MFG | $10.74 | $9.69 | −10% |
| ICICI Bank Limited ICICIBANK | ₹1,423 | ₹835.21 | −41% |
| Oversea-Chinese Banking Corporation O39 | 31.07 SGD | 19.80 SGD | −36% |
| CaixaBank, S.A CABK | €13.52 | €8.85 | −35% |
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