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The Bank of East Asia, Limited (BKEAF) fair value: what the stock is really worth
As of Jul 2, 2026: fair value of The Bank of East Asia, Limited $2.49, price $1.41, upside +76.6%, quality 62 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
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Some data
Sep 24, 2026
Some data
Sep 24, 2026
The Bank of East Asia, Limited
BKEAF · USClearly undervaluedStrong Fair Value upside, but quality is only moderate.
✓Fair value $2.49 · Strongly undervalued (+76.6%)
✓Quality 62/100
✓Healthy Growth (revenue 5y +25.0 %/yr)
✓Highly profitable · 22.8% net margin (TTM)
✓Low debt · generates free cash flow
!Moderate moat 51/100
!Evidence only medium, so the estimate is less certain
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What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
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 24, 2026.
How to read this chart
60‑month range $0.7866 – $1.92 · fair‑value band $1.87 – $3.11 · the $1.41 price screens below the $2.49 fair value. Dashed = 300-day average. As of Sep 24, 2026.
Company profile
The Bank of East Asia, Limited, together with its subsidiaries, provides various banking and related financial services.
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The Bank of East Asia, Limited, together with its subsidiaries, provides various banking and related financial services. It operates through eight segments: the Hong Kong Operations " Personal Banking; Hong Kong Operations " Wholesale Banking; Hong Kong Operations " Treasury Markets; Hong Kong Operations " Wealth Management; Hong Kong Operations " Others; Chinese Mainland Operations; and Overseas, Macau and Taiwan Operations. The company offers syndicated loans, trade finance, deposit-taking, foreign currency savings, remittances, mortgage loans, consumer loans, credit cards, cyberbanking, retail investment and wealth management services, private banking, Renminbi services, foreign exchange margin trading, broking services, and mandatory provident fund services. The Bank of East Asia, Limited was incorporated in 1918 and is headquartered in Central, Hong Kong.
Stock analysis
The Bank of East Asia, Limited (BKEAF) currently trades at $1.41, while our model-based Fair Value estimate is $2.49, implying the stock looks roughly 43.4% undervalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $3.59 per share, and 5 of the 6 models we run sit above the $1.41 price.
Bear case: the Dividend Discount group reads lowest at $1.39, and 1 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: $1.87 (bear) to $3.11 (bull), the price of $1.41 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 62/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
The Bank of East Asia, Limited reported revenue of HK$37.5B in FY2025 versus HK$15.8B in FY2021, a compound +24.1%/yr. Reported net income was HK$3.5B in FY2025, compounding −9.7%/yr from FY2021.
Key figures
Market cap $3.7B · P/E ratio 9.4 · P/S ratio 0.88 · EPS (TTM) $0.1500 · Net margin 9.3% · Return on equity 3.3% · Return on assets (EBIT) 0.7% · Operating margin 34.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 35 out of 100 (medium confidence).
What moves the price
The share trades about 26% below its 52-week high and 5% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at 77%, BKEAF screens cheaper than that median.
Fair Value models
Bear $1.87
Fair Value $2.49
Bull $3.11
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.
Highest evidence
Residual Income
$3.67
$3.59
$3.66
76
Gordon GGM
$0.8100
$1.61
$2.44
67
DDM Multi-Stage
$0.8100
$1.39
$1.70
67
All 6 models by family
Dividend Discount
Gordon GGM
$0.8100
$1.61
$2.44
67
DDM Multi-Stage
$0.8100
$1.39
$1.70
67
Multiples
P/E Multiple
$1.65
$2.19
$2.74
63
P/B Multiple
$2.15
$2.87
$3.59
55
Asset-Based
NCAV (Graham)
$2.54
$3.40
$5.08
54
Economic Profit
Residual Income
$3.67
$3.59
$3.66
76
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Set up alert →Quality Score breakdown
Overall quality
62/100
Of which business quality 57 · Market factors (momentum, volatility) 69
Profitability
19
Margins and returns on capital today
Quality Growth
42
Are margins and returns improving?
Cashflow
94
Earnings quality: real cash, not paper profit
Fin. Strength
20
Balance sheet, leverage, solvency risk
Investment
92
Disciplined investing over empire-building
Low Volatility
42
Calm price path (market factor)
Momentum
88
Price trend over the last 3–12 months (market factor)
52W Momentum
69
Distance to the 52-week high (market factor)
Net Issuance
100
Share count: buybacks or dilution?
Revenue & earnings trend
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
+143.3%
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.
+9.5%
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.
+25.0%
Start year 2020 (pandemic). Over 10 years: +10.2% a year
Revenue growth 25 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.
+8.4%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+12.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+12.8%
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.52.8% vs 16.9%, picking up
Profit margin 2021 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.45% → 12%
2025 sits 553% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 2.4%/yr over ~10Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
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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 - Regional · 1053 stocks
Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 78.00 SGD | 40.39 SGD | −48% |
| China Merchants Bank Co 600036 | ¥40.69 | ¥52.73 | +30% |
| UniCredit S.p.A UCG | €79.53 | €77.12 | −3% |
| Mizuho Financial Group MFG | $11.05 | $6.82 | −38% |
| Intesa Sanpaolo S.p.A ISP | €6.38 | €4.06 | −36% |
| BNP Paribas SA BNP | €91.54 | €105.99 | +16% |
| HDFC Bank Limited HDFCBANK | ₹721.20 | ₹406.44 | −44% |
| Oversea-Chinese Banking Corporation O39 | 32.01 SGD | 19.78 SGD | −38% |
| Al Rajhi Banking and Investment Corporation 1120 | 63.15 SAR | 36.95 SAR | −41% |
| CaixaBank, S.A CABK | €12.03 | €8.46 | −30% |
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Frequently asked questions
Is The Bank of East Asia, Limited (BKEAF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $2.49 versus the last price from Jul 2, 2026 of $1.41, about +77% upside (undervalued).
What is the fair value of BKEAF?
Our model-based fair value for The Bank of East Asia, Limited is $2.49 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Jul 2, 2026): $1.41.
What is the quality score of BKEAF?
The Bank of East Asia, Limited has a Quality Score of 62/100. 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 The Bank of East Asia, Limited (BKEAF)?
Our model-based price target is the fair value of $2.49 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $1.87, optimistic scenario $3.11. It is a calculation from audited fundamentals, not an analyst target.
What is the The Bank of East Asia, Limited stock forecast for 2026?
Our models put fair value at $2.49, about +77% upside versus the last price from Jul 2, 2026 of $1.41 (undervalued). Cautious scenario $1.87, optimistic scenario $3.11. The calculation is refreshed regularly with new filings.
What is the revenue of The Bank of East Asia, Limited (BKEAF)?
The Bank of East Asia, Limited reported trailing-twelve-month revenue of about HK$15.4B (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of The Bank of East Asia, Limited (BKEAF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For The Bank of East Asia, Limited it is $2.49 per share (as of Sep 24, 2026), against a price of $1.41. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is The Bank of East Asia, Limited stock overvalued or undervalued in 2026?
As of Sep 24, 2026, BKEAF trades below its calculated fair value: price $1.41, fair value $2.49, a gap of about +77% (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 BKEAF?
No. The price is what the market pays today ($1.41); the fair value is what the company's own numbers justify ($2.49). For The Bank of East Asia, Limited the two are $1.08 per share apart. That gap is exactly why we show both numbers side by side.
How much is The Bank of East Asia, Limited worth?
The market values The Bank of East Asia, Limited at about $3.7B (market capitalisation, as of Sep 24, 2026). Per share that is $1.41; our models calculate a fair value of $2.49 per share.
What do the bullish and bearish scenarios say about BKEAF?
Our models span a range for The Bank of East Asia, Limited: cautious scenario $1.87, base $2.49, optimistic $3.11 per share (as of Sep 24, 2026, price $1.41). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BKEAF?
The Bank of East Asia, Limited trades at a price-to-earnings ratio of 9.4 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $2.49 is built from several models across several years. Other multiples: PEG 1.8.
What is the PEG ratio of BKEAF?
The PEG ratio of The Bank of East Asia, Limited is 1.78 (P/E divided by earnings growth, as of Sep 24, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of The Bank of East Asia, Limited (BKEAF)?
Balance-sheet figures for The Bank of East Asia, Limited (as of Sep 24, 2026): return on equity 3.3%, debt of 0.13 per unit of equity. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is BKEAF from its 52-week high?
The Bank of East Asia, Limited trades at $1.41, about 26% below its 52-week high of $1.92 and 5% above the low of $1.34 (as of Jul 2, 2026). Distance from the high says nothing about value: that is what the fair value of $2.49 is for.
Which stocks are comparable to The Bank of East Asia, Limited?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, 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 The Bank of East Asia, Limited stock attractive at the current price?
The data as of Sep 24, 2026: price $1.41, calculated fair value $2.49 (+77%), Quality Score 62/100, 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 BKEAF calculated?
We run The Bank of East Asia, 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 $2.49, 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. The Bank of East Asia, Limited currently trades 43 % 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 The Bank of East Asia, Limited (BKEAF)?
The latest price we hold is from Jul 2, 2026 and stands at $1.41. Our model-based fair value is $2.49, about +77% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with The Bank of East Asia, Limited right now?
The price is below even our cautious bear case ($1.87). The market is more pessimistic than our downside scenario. Solid quality (62/100) 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 The Bank of East Asia, Limited (BKEAF) come from?
Earnings per share at The Bank of East Asia, Limited grew +0.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +8.4 %, EBIT margin −4.7 %, tax rate −0.2 %, residual (interest, one-offs) −2.1 %. 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 The Bank of East Asia, Limited
How large is the market capitalisation of The Bank of East Asia, Limited (BKEAF)?
The market capitalisation of The Bank of East Asia, Limited is $3.7B. 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 The Bank of East Asia, Limited (BKEAF)?
The price-to-sales ratio of The Bank of East Asia, Limited is 0.88 (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 The Bank of East Asia, Limited (BKEAF)?
Earnings per share at The Bank of East Asia, Limited are $0.1500 (price ÷ EPS = P/E 9.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of The Bank of East Asia, Limited (BKEAF)?
The net margin of The Bank of East Asia, Limited is 9.3% (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 The Bank of East Asia, Limited (BKEAF)?
The return on equity (ROE) of The Bank of East Asia, Limited is 3.3% (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 The Bank of East Asia, Limited (BKEAF)?
On an EBIT basis the return on assets of The Bank of East Asia, Limited is 0.7% (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 The Bank of East Asia, Limited (BKEAF)?
The operating margin of The Bank of East Asia, Limited is 34.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at The Bank of East Asia, Limited (BKEAF)?
Revenue at The Bank of East Asia, Limited is growing −3.4% versus a year earlier (3y avg +9.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at The Bank of East Asia, Limited (BKEAF)?
Earnings per share at The Bank of East Asia, Limited are growing −57.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does The Bank of East Asia, Limited (BKEAF) generate?
The free cash flow of The Bank of East Asia, Limited is HK$6.5B (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 The Bank of East Asia, Limited (BKEAF) hold?
The Bank of East Asia, Limited holds more cash than debt, HK$24.6B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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