Bank of China Limited (BACHF) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Bank of China Limited $1.62, price $0.72, upside +125.0%, quality 60 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 29, 2026.
How to read this chart
60‑month range $0.1948 – $0.8100 · fair‑value band $1.19 – $2.02 · the $0.7200 price screens below the $1.62 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 29, 2026.
Bank of China Limited, together with its subsidiaries, provides various banking and financial services in Chinese Mainland, Hong Kong, Macao, Taiwan, and internationally. The company operates through six segments: Corporate Banking, Personal Banking, Treasury Operations, Investment Banking, Insurance, and Other.
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Bank of China Limited, together with its subsidiaries, provides various banking and financial services in Chinese Mainland, Hong Kong, Macao, Taiwan, and internationally. The company operates through six segments: Corporate Banking, Personal Banking, Treasury Operations, Investment Banking, Insurance, and Other. The Corporate Banking segment provides current accounts, deposits, overdrafts, loans, payments and settlements, trade-related products, and other credit facilities, as well as foreign currency, derivative, and wealth management products for corporate customers, government authorities, and financial institutions. The Personal Banking segment offers savings deposits, personal loans, credit cards and debit cards, payments and settlements, wealth management, and funds and insurance agency services to retail customers. The Treasury Operations segment offers foreign exchange transactions, customer-based interest rate, and foreign exchange derivative transactions, as well as money market transactions, proprietary trading, and asset and liability management. The Investment Banking segment provides debt and equity underwriting and financial advisory, sale and trading of securities, stock brokerage, investment research, asset management services, and private equity investment services. The Insurance segment provides underwriting services for general and life insurance business, and insurance agency services. In addition, it operates debt-to-equity swaps and other supporting, and aircraft and financial leasing business. The company was founded in 1912 and is headquartered in Beijing, China.
Stock analysis
Bank of China Limited (BACHF) currently trades at $0.7200, while our model-based Fair Value estimate is $1.62, implying the stock looks roughly 55.6% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $1.56 per share, and 6 of the 6 models we run sit above the $0.7200 price.
Bear case: the Asset-Based group reads lowest at $1.01, and 0 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: $1.19 (bear) to $2.02 (bull), the price of $0.7200 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 60/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Bank of China Limited reported revenue of 1.2T CNY in FY2025 versus 503B CNY in FY2021, a compound +24.7%/yr. Reported net income was 243B CNY in FY2025, compounding +2.9%/yr from FY2021.
Key figures
Market cap $217B · P/E ratio 6.1 · P/S ratio 1.22 · EPS (TTM) $0.1100 · Net margin 20.0% · Return on equity 8.4% · Return on assets (EBIT) 1.0% · Operating margin 53.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (medium confidence).
What moves the price
The share trades about 11% below its 52-week high and 48% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −18% fair-value upside, at 125%, BACHF screens cheaper than that median.
Fair Value models
Bear $1.19Fair Value $1.62Bull $2.02
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+129.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+35.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.0%
Start year 2020 (pandemic). Over 10 years: +9.9% a year
Revenue growth 22 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.6%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+4.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+4.2%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.4.2% vs 3.7%, steady
Profit margin 2019 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.43% → 25%
News mood ⓘNews mood, the average tone of recent news (82 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Negative
Recent news coverage is more negative than average.
Price, fair value, quality and upside side by side.
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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 - Diversified · 43 stocks
Beats the industry median on 10/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score61 · Above median
Fair Value upside+81.5% · Top 25%
Profitability
Return on equity (TTM)8.4% · Bottom 25%
Return on assets0.7% · Below median
Net margin (TTM)43.3% · Top 25%
Operating margin (TTM)53.1% · Top 25%
Growth and dividend
Revenue growth5.9% · Below median
Dividend yield (TTM)33.7% · Top 25%
Valuation Multiplesvs Banks - Diversified median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Bank of China Limited Fair Value". https://www.fairvalue-calculator.com/stock/BACHF
Frequently asked questions
Is Bank of China Limited (BACHF) overvalued or undervalued?
As of Sep 29, 2026, our model estimates a fair value of $1.62 versus a price of $0.7200, about +125% upside (undervalued).
What is the fair value of BACHF?
Our model-based fair value for Bank of China Limited is $1.62 (as of Sep 29, 2026), built from audited fundamentals. The current price: $0.7200.
What is the quality score of BACHF?
Bank of China Limited has a Quality Score of 60/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bank of China Limited (BACHF)?
Our model-based price target is the fair value of $1.62 (as of Sep 29, 2026) from 6 valuation models. Cautious scenario $1.19, optimistic scenario $2.02. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank of China Limited stock forecast for 2026?
Our models put fair value at $1.62, about +125% upside versus a price of $0.7200 (undervalued). Cautious scenario $1.19, optimistic scenario $2.02. The calculation is refreshed regularly with new filings.
What is the revenue of Bank of China Limited (BACHF)?
Bank of China Limited reported trailing-twelve-month revenue of about 567B CNY (latest available figure, as of Sep 29, 2026).
What is the intrinsic value of Bank of China Limited (BACHF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank of China Limited it is $1.62 per share (as of Sep 29, 2026), against a price of $0.7200. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Bank of China Limited stock overvalued or undervalued in 2026?
As of Sep 29, 2026, BACHF trades below its calculated fair value: price $0.7200, fair value $1.62, a gap of about +125% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BACHF?
No. The price is what the market pays today ($0.7200); the fair value is what the company's own numbers justify ($1.62). For Bank of China Limited the two are $0.9000 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank of China Limited worth?
The market values Bank of China Limited at about $217B (market capitalisation, as of Sep 29, 2026). Per share that is $0.7200; our models calculate a fair value of $1.62 per share.
What do the bullish and bearish scenarios say about BACHF?
Our models span a range for Bank of China Limited: cautious scenario $1.19, base $1.62, optimistic $2.02 per share (as of Sep 29, 2026, price $0.7200). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BACHF?
Bank of China Limited trades at a price-to-earnings ratio of 6.1 (as of Sep 29, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $1.62 is built from several models across several years. Other multiples: PEG 1.2, P/B 0.5, P/S 2.6.
What is the PEG ratio of BACHF?
The PEG ratio of Bank of China Limited is 1.19 (P/E divided by earnings growth, as of Sep 29, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Bank of China Limited (BACHF)?
Balance-sheet figures for Bank of China Limited (as of Sep 29, 2026): return on equity 8.4%. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is BACHF from its 52-week high?
Bank of China Limited trades at $0.7200, about 11% below its 52-week high of $0.8100 and 48% above the low of $0.4851 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $1.62 is for.
Which stocks are comparable to Bank of China Limited?
From the same area (Financial Services) we also value JPMorgan Chase & Co, Industrial and Commercial Bank of China Limited, China Construction Bank Corporation, Bank of America Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bank of China Limited stock attractive at the current price?
The data as of Sep 29, 2026: price $0.7200, calculated fair value $1.62 (+125%), Quality Score 60/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BACHF calculated?
We run Bank of China Limited through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $1.62, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Bank of China Limited currently trades 56 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bank of China Limited (BACHF)?
The closing price on Oct 2, 2026 was $0.7200. Our model-based fair value is $1.62, about +125% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank of China Limited right now?
The price is below even our cautious bear case ($1.19). 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 (60/100) 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.
Where does the earnings growth of Bank of China Limited (BACHF) come from?
Earnings per share at Bank of China Limited grew +3.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share +5.3 %, EBIT margin −0.6 %, tax rate +0.9 %, residual (interest, one-offs) −1.7 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Bank of China Limited
How large is the market capitalisation of Bank of China Limited (BACHF)?
The market capitalisation of Bank of China Limited is $217B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bank of China Limited (BACHF)?
The price-to-sales ratio of Bank of China Limited is 1.22 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank of China Limited (BACHF)?
Earnings per share at Bank of China Limited are $0.1100 (price ÷ EPS = P/E 6.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bank of China Limited (BACHF)?
The net margin of Bank of China Limited is 20.0% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bank of China Limited (BACHF)?
The return on equity (ROE) of Bank of China Limited is 8.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bank of China Limited (BACHF)?
On an EBIT basis the return on assets of Bank of China Limited is 1.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bank of China Limited (BACHF)?
The operating margin of Bank of China Limited is 53.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank of China Limited (BACHF)?
Revenue at Bank of China Limited is growing +5.9% versus a year earlier (3y avg +35.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Bank of China Limited (BACHF) generate?
The free cash flow of Bank of China Limited is 761B CNY (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Bank of China Limited (BACHF) hold?
Bank of China Limited holds more cash than debt, 1.5T CNY net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Thin data
Sep 29, 2026