9889 (9889) Fair Value & Analysis

Financial Services · Market cap HK$23.4B

9 9889 9889 · HK

PriceHK$3.39

Fair ValueHK$6.78

Upside+100.0%

Quality49/100

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Evidence: High Range HK$5.09 – HK$8.48

Fair value as of: Jul 3, 2026

From 17 valuation models · updated today

Share price −0.6% over the past month.

Price vs Fair Value (12 months)

12‑month range HK$3.10 – HK$3.75 · fair‑value band HK$5.09 – HK$8.48 · the HK$3.39 price screens below the HK$6.78 fair value. As of Jul 3, 2026.

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Analysis

9889 (9889) currently trades at HK$3.39, while our model-based Fair Value estimate is HK$6.78 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 49/100 (below-average 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, 9889 generated revenue of HK$8.4B at a net margin of 45.6%. Revenue grew 2.8% year over year. It earns a return on equity of 6.0%. Net debt stands at HK$134B. Fundamentals as of Jul 3, 2026

Key figures & financial health

Revenue (TTM) HK$8.4B

Revenue growth (YoY) +2.8%

Net margin 45.6%

Return on equity 6.0%

Free cash flow −HK$22.0B FY2025

P/E ratio 5.2

More key figures

Operating margin 68.0%

EPS (TTM) HK$0.1500

Dividend yield 6.6%

EPS growth (YoY) -1.9%

Net debt HK$134B FY2025

Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

9889 reported revenue of HK$22.4B in FY2025 versus HK$10.6B in FY2021, a compound +20.6%/yr. Reported net income was HK$3.8B in FY2025, compounding −9.5%/yr from FY2021.

Revenue +20.6%/yr

FY21 HK$10.6B

FY22 HK$11.0B

FY23 HK$9.9B

FY24 HK$8.8B

FY25 HK$22.4B

Net income −9.5%/yr

FY21 HK$5.6B

FY22 HK$5.9B

FY23 HK$5.2B

FY24 HK$4.6B

FY25 HK$3.8B

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Similar stocks

6 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 3, 2026).

Stock	Price	Fair Value	vs Fair Value
HDFC Bank Limited HDFCBANK	₹796.30	₹641.88	-19%
PT Bank Central Asia Tbk BBCA	4,850 IDR	5,562 IDR	+15%
PT Bank Rakyat Indonesia (Persero) Tbk BBRI	2,870 IDR	5,740 IDR	+100%
Banco Bradesco S.A BBD	5,120 ARS	10,240 ARS	+100%
KB Financial Group 105560	157,000 KRW	205,701 KRW	+31%
PT Bank Mandiri (Persero) Tbk BMRI	4,260 IDR	8,520 IDR	+100%

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Frequently asked questions

Is 9889 (9889) undervalued?

As of Jul 3, 2026, our model estimates a fair value of HK$6.78 versus a price of HK$3.39 — about +100% (undervalued). Model-based estimate, not financial advice.

What is the fair value of 9889?

Our model-based fair value for 9889 is HK$6.78 (as of Jul 3, 2026), built from audited fundamentals. The current price is HK$3.39.

What is the quality score of 9889?

9889 has a Quality Score of 49/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

What is the revenue of 9889 (9889)?

9889 reported trailing-twelve-month revenue of about HK$8.4B (latest available figure, as of Jul 3, 2026).

What is the net profit margin of 9889?

The net profit margin of 9889 is about 45.6%, meaning it keeps roughly 45.6% of revenue as net income. Based on the latest reported figures.

Does 9889 pay a dividend?

9889 currently shows a dividend yield of about 6.61% relative to its recent price (as of Jul 3, 2026).

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.