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Bank of Communications Co (BKFCF) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Bank of Communications Co $1.94, price $1.09, upside +78.0%, quality 53 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Financial Services · US · ISIN CNE100000205

BO Bank of Communications Co logo Thin data Sep 29, 2026

Bank of Communications Co

BKFCF · US

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value $1.94 · Strongly undervalued (+78.0%)
!Quality 53/100
✓Healthy Growth (revenue 5y +22.0 %/yr)
✓Highly profitable · 45.4% net margin (TTM)
!High debt · generates free cash flow
✓Wide moat 65/100
!Evidence only low, 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

$1.09 $0.0586 Fair Value $1.94 Jun 2015 Oct 2026

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 $0.0586 – $1.09 · fair‑value band $1.79 – $2.76 · the $1.09 price screens below the $1.94 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 29, 2026.

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Company profile

Bank of Communications Co., Ltd. provides commercial banking products and services in China and internationally.

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Bank of Communications Co., Ltd. provides commercial banking products and services in China and internationally. The company offers savings deposit products, including demand deposits, lump-sum deposits and withdrawal, time deposit of small savings for lump-sum withdrawal, interest withdrawal on principal deposited, time-demand deposit, call deposit, swap management, and education deposit; personal certificate of deposit; salary financing; and foreign currency deposit. It also provides credit, quasi-credit, and debit cards; new housing and second-hand mortgage loans and unsecured personal loans; personal wealth management advisor services; and precious metal and commodity trading services. In addition, the company offers corporate structured deposit and corporate certificate of deposit; corporate cash management; industrial chain finance program comprising prepayment financing, inventory financing, accounts receivable financing and accounts payable financing; syndicated loans; corporation overdraft; investment banking services; and offshore banking services. Further, the company provides bond account activation, bond distribution, and transaction services; related bond escrow and settlement, pledge registration, and principal and interest payment services; training and consulting services for cooperative banks; cross-border inter-bank payments system services; consignment sales of precious metal products; bond underwriting distribution; third party bond depository services; bank derivatives transfer; b-share transfer; bank-futures transfer; standard warehouse warrant pledged financing; institutional investment consulting, wealth management, and insurance services; and clearing and settlement services for future markets. The company was founded in 1908 and is headquartered in Shanghai, the People's Republic of China.

Stock analysis

Bank of Communications Co (BKFCF) currently trades at $1.09, while our model-based Fair Value estimate is $1.94, implying the stock looks roughly 43.8% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $5.16 per share, and 6 of the 6 models we run sit above the $1.09 price.

Bear case: the Dividend Discount group reads lowest at $2.61, and 0 of the 6 models stay below the price. Evidence for this calculation is low.

Scenario range: $1.79 (bear) to $2.76 (bull), the price of $1.09 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 53/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Bank of Communications Co reported revenue of 499B CNY in FY2025 versus 203B CNY in FY2021, a compound +25.2%/yr. Reported net income was 93.2B CNY in FY2025, compounding +1.6%/yr from FY2021.

Key figures

Market cap $75.0B · P/E ratio 5.7 · P/S ratio 1.06 · EPS (TTM) $0.1500 · Net margin 18.7% · Return on equity 7.9% · Return on assets (EBIT) 0.9% · Operating margin 53.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 49 out of 100 (low confidence).

What moves the price

The share trades at its 52-week high and 38% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −17% fair-value upside, at 78%, BKFCF screens cheaper than that median.

Fair Value models

Bear $1.79 Fair Value $1.94 Bull $2.76
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 $4.21 $4.51 $5.04 76
Gordon GGM $1.49 $3.10 $4.91 66
DDM Multi-Stage $1.49 $2.61 $3.25 66
All 6 models by family
Dividend Discount
Gordon GGM $1.49 $3.10 $4.91 66
DDM Multi-Stage $1.49 $2.61 $3.25 66
Multiples
P/E Multiple $3.87 $5.16 $6.45 63
P/B Multiple $5.06 $6.75 $8.44 55
Asset-Based
NCAV (Graham) $2.53 $3.39 $5.07 54
Economic Profit
Residual Income $4.21 $4.51 $5.04 76

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Quality Score breakdown

Overall quality 53/100

Of which business quality 49 · Market factors (momentum, volatility) 84

Profitability 28
Margins and returns on capital today
Quality Growth 42
Are margins and returns improving?
Cashflow 65
Earnings quality: real cash, not paper profit
Fin. Strength 15
Balance sheet, leverage, solvency risk
Investment 70
Disciplined investing over empire-building
Low Volatility 76
Calm price path (market factor)
Momentum 80
Price trend over the last 3–12 months (market factor)
52W Momentum 100
Distance to the 52-week high (market factor)
Net Issuance 100
Share count: buybacks or dilution?

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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
+141.0%
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.
+36.4%
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 23 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.
+13.5%
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.
+5.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+5.8%
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.53.0% vs 25.7%, picking up
Profit margin 2018 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.96% → 20%
2025 sits 613% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Start year 2020 (pandemic)

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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 9/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 55 · Below median
Fair Value upside +61.0% · Top 25%
Profitability
Return on equity (TTM) 7.9% · Bottom 25%
Return on assets 0.6% · Below median
Net margin (TTM) 45.4% · Top 25%
Operating margin (TTM) 53.9% · Top 25%
Growth and dividend
Revenue growth 3.1% · Bottom 25%
Dividend yield (TTM) 36.9% · Top 25%
Balance sheet
Debt / equity 1.94× · Above median

Valuation Multiplesvs Banks - Diversified median · lower = cheaper

P/E (TTM) 5.7× · Cheapest 25%
P/B 0.42× · Cheapest 25%
P/S (TTM) 2.36× · Cheapest 25%
P/FCF 0.9× · Cheapest 25%
EV/EBITDA 17.6× · Pricier than median
PEG 1.38× · Cheaper than median

Context: sector, industry, 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 - Diversified stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
JPMorgan Chase & Co JPM $330.83 $188.11 −43%
Industrial and Commercial Bank of China Limited 601398 ¥8.28 ¥10.93 +32%
China Construction Bank Corporation 601939 ¥10.98 ¥13.69 +25%
Bank of America Corporation BAC $55.47 $42.37 −24%
Agricultural Bank of China Limited 601288 ¥6.97 ¥12.94 +86%
Bank of China Limited 601988 ¥6.62 ¥9.86 +49%
Royal Bank of Canada RY $200.95 $130.85 −35%
Mitsubishi UFJ Financial Group MUFG $23.37 $14.86 −36%
Wells Fargo & Company WFC $80.05 $66.44 −17%
Citigroup Inc C $130.80 $107.10 −18%

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Bank of Communications Co · Fair Value
$1.94 +44%Fair Value
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Cite: Fair Value Calculator (2026). "Bank of Communications Co Fair Value". https://www.fairvalue-calculator.com/stock/BKFCF

Frequently asked questions

Is Bank of Communications Co (BKFCF) overvalued or undervalued?
As of Sep 29, 2026, our model estimates a fair value of $1.94 versus a price of $1.09, about +78% upside (undervalued).
What is the fair value of BKFCF?
Our model-based fair value for Bank of Communications Co is $1.94 (as of Sep 29, 2026), built from audited fundamentals. The current price: $1.09.
What is the quality score of BKFCF?
Bank of Communications Co has a Quality Score of 53/100. 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 Communications Co (BKFCF)?
Our model-based price target is the fair value of $1.94 (as of Sep 29, 2026) from 6 valuation models. Cautious scenario $1.79, optimistic scenario $2.76. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank of Communications Co stock forecast for 2026?
Our models put fair value at $1.94, about +78% upside versus a price of $1.09 (undervalued). Cautious scenario $1.79, optimistic scenario $2.76. The calculation is refreshed regularly with new filings.
What is the revenue of Bank of Communications Co (BKFCF)?
Bank of Communications Co reported trailing-twelve-month revenue of about 212B CNY (latest available figure, as of Sep 29, 2026).
What is the intrinsic value of Bank of Communications Co (BKFCF)?
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 Communications Co it is $1.94 per share (as of Sep 29, 2026), against a price of $1.09. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Bank of Communications Co stock overvalued or undervalued in 2026?
As of Sep 29, 2026, BKFCF trades below its calculated fair value: price $1.09, fair value $1.94, a gap of about +78% (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 BKFCF?
No. The price is what the market pays today ($1.09); the fair value is what the company's own numbers justify ($1.94). For Bank of Communications Co the two are $0.8500 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank of Communications Co worth?
The market values Bank of Communications Co at about $75.0B (market capitalisation, as of Sep 29, 2026). Per share that is $1.09; our models calculate a fair value of $1.94 per share.
What do the bullish and bearish scenarios say about BKFCF?
Our models span a range for Bank of Communications Co: cautious scenario $1.79, base $1.94, optimistic $2.76 per share (as of Sep 29, 2026, price $1.09). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BKFCF?
Bank of Communications Co trades at a price-to-earnings ratio of 5.7 (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 $1.94 is built from several models across several years. Other multiples: PEG 1.4, P/B 0.4, P/S 2.4, EV/EBITDA 17.6.
What is the PEG ratio of BKFCF?
The PEG ratio of Bank of Communications Co is 1.38 (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 Communications Co (BKFCF)?
Balance-sheet figures for Bank of Communications Co (as of Sep 29, 2026): return on equity 7.9%, debt of 1.94 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is BKFCF from its 52-week high?
Bank of Communications Co trades at $1.09, at its 52-week high of $1.09 and 38% above the low of $0.7900 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $1.94 is for.
Which stocks are comparable to Bank of Communications Co?
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 Communications Co stock attractive at the current price?
The data as of Sep 29, 2026: price $1.09, calculated fair value $1.94 (+78%), Quality Score 53/100, 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 BKFCF calculated?
We run Bank of Communications Co 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 $1.94, 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 Communications Co currently trades 44 % 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 Communications Co (BKFCF)?
The closing price on Oct 2, 2026 was $1.09. Our model-based fair value is $1.94, about +78% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank of Communications Co right now?
The price is below even our cautious bear case ($1.79). 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 (53/100) 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 Communications Co (BKFCF) come from?
Earnings per share at Bank of Communications Co grew +7.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +9.0 %, EBIT margin −8.1 %, tax rate +1.9 %, residual (interest, one-offs) +5.1 %. 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 Bank of Communications Co

How large is the market capitalisation of Bank of Communications Co (BKFCF)?
The market capitalisation of Bank of Communications Co is $75.0B. 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 Communications Co (BKFCF)?
The price-to-sales ratio of Bank of Communications Co is 1.06 (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 Communications Co (BKFCF)?
Earnings per share at Bank of Communications Co are $0.1500 (price ÷ EPS = P/E 5.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bank of Communications Co (BKFCF)?
The net margin of Bank of Communications Co is 18.7% (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 Communications Co (BKFCF)?
The return on equity (ROE) of Bank of Communications Co is 7.9% (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 Communications Co (BKFCF)?
On an EBIT basis the return on assets of Bank of Communications Co is 0.9% (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 Communications Co (BKFCF)?
The operating margin of Bank of Communications Co is 53.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank of Communications Co (BKFCF)?
Revenue at Bank of Communications Co is growing +3.1% versus a year earlier (3y avg +36.4%). 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 Bank of Communications Co (BKFCF)?
Earnings per share at Bank of Communications Co are growing −11.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank of Communications Co (BKFCF) generate?
The free cash flow of Bank of Communications Co is 80.6B 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 debt does Bank of Communications Co (BKFCF) carry?
The net debt of Bank of Communications Co is 4.0T CNY (fiscal year 2025, ≈ 49.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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