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China Everbright Bank Company Ltd (CEBCF) fair value: what the stock is really worth

As of Sep 25, 2026: fair value of China Everbright Bank Company Ltd $0.71, price $0.36, upside +99.9%, quality 59 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

CE China Everbright Bank Company Ltd logo Thin data Oct 3, 2026

China Everbright Bank Company Ltd

CEBCF · US

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

✓Fair value $0.7120 · Strongly undervalued (+99.9%)
!Quality 59/100
✓Healthy Growth (revenue 5y +2.5 %/yr)
✓Highly profitable · 42.9% net margin (TTM)
✓Low debt · generates free cash flow
✓Ranks above peers (9/12)
✓Wide moat 65/100
!Evidence only low, so the estimate is less certain
!Weak on past: 26 out of 100
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What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$0.5316 $0.1825 Fair Value $0.7120 May 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.

How to read this chart

60‑month range $0.1825 – $0.5316 · fair‑value band $0.5310 – $0.8900 · the $0.3561 price screens below the $0.7120 fair value. Dashed = 300-day average. As of Oct 3, 2026.

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Company profile

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.

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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.

Stock analysis

China Everbright Bank Company Ltd (CEBCF) currently trades at $0.3561, while our model-based Fair Value estimate is $0.7120, implying the stock looks roughly 50.0% undervalued today.

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Valuation

Bull case: the Dividend Discount group reads highest at a median of $1.53 per share, and 6 of the 6 models we run sit above the $0.3561 price.

Bear case: the Asset-Based group reads lowest at $0.9200, and 0 of the 6 models stay below the price. Evidence for this calculation is low.

Scenario range: $0.5310 (bear) to $0.8900 (bull), the price of $0.3561 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 59/100 (solid quality), in the Financial Services sector.

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

China Everbright Bank Company 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.

Key figures

Market cap $23.4B · P/E ratio 5.3 · P/S ratio 0.84 · EPS (TTM) $0.0800 · Net margin 15.8% · Return on equity 6.5% · Return on assets (EBIT) 0.8% · Operating margin 63.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

What moves the price

The share trades about 29% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at 100%, CEBCF screens cheaper than that median.

Fair Value models

Bear $0.5310 Fair Value $0.7120 Bull $0.8900
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 $1.11 $1.16 $1.26 76
Gordon GGM $0.8900 $1.85 $2.94 66
DDM Multi-Stage $0.8900 $1.53 $1.95 66
All 6 models by family
Dividend Discount
Gordon GGM $0.8900 $1.85 $2.94 66
DDM Multi-Stage $0.8900 $1.53 $1.95 66
Multiples
P/E Multiple $0.8600 $1.15 $1.44 63
P/B Multiple $1.13 $1.50 $1.88 55
Asset-Based
NCAV (Graham) $0.6900 $0.9200 $1.38 54
Economic Profit
Residual Income $1.11 $1.16 $1.26 76

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Quality Score breakdown

Overall quality 59/100

Of which business quality 58 · Market factors (momentum, volatility) 25

Profitability 25
Margins and returns on capital today
Quality Growth 46
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 29
Balance sheet, leverage, solvency risk
Investment 81
Disciplined investing over empire-building
Low Volatility 57
Calm price path (market factor)
Momentum 17
Price trend over the last 3–12 months (market factor)
52W Momentum 3
Distance to the 52-week high (market factor)
Net Issuance 79
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. 68/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
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.
+0.3%
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.
+2.5%
Revenue growth 19 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.
+14.7%
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.
−1.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year−1.2%
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.−1.2% vs −0.6%, steady
Profit margin 2020 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.18% → 20%
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 - Regional · 1052 stocks

Beats the industry median on 10/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 62 · Top 25%
Fair Value upside +97.4% · Top 25%
Profitability
Return on equity (TTM) 6.5% · Below median
Return on assets 0.5% · Bottom 25%
Net margin (TTM) 42.9% · Top 25%
Operating margin (TTM) 63.9% · Top 25%
Growth and dividend
Revenue growth −7.1% · Bottom 25%
Dividend yield (TTM) 41.2% · Top 25%
Balance sheet
Debt / equity 0.25× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 5.3× · Cheapest 25%
P/B 0.26× · Cheapest 25%
P/S (TTM) 1.78× · Cheapest 25%
P/FCF 1.0× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 12
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)26 · sector 41
HEALTH (low debt)87 · sector 84
DIVIDEND (yield)0 · sector 53

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 - 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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Cite: Fair Value Calculator (2026). "China Everbright Bank Company Ltd Fair Value". https://www.fairvalue-calculator.com/stock/CEBCF

Frequently asked questions

Is China Everbright Bank Company Ltd (CEBCF) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of $0.7120 versus the last price from Sep 25, 2026 of $0.3561, about +100% upside (undervalued).
What is the fair value of CEBCF?
Our model-based fair value for China Everbright Bank Company Ltd is $0.7120 (as of Oct 3, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $0.3561.
What is the quality score of CEBCF?
China Everbright Bank Company Ltd has a Quality Score of 59/100. 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 China Everbright Bank Company Ltd (CEBCF)?
Our model-based price target is the fair value of $0.7120 (as of Oct 3, 2026) from 6 valuation models. Cautious scenario $0.5310, optimistic scenario $0.8900. It is a calculation from audited fundamentals, not an analyst target.
What is the China Everbright Bank Company Ltd stock forecast for 2026?
Our models put fair value at $0.7120, about +100% upside versus the last price from Sep 25, 2026 of $0.3561 (undervalued). Cautious scenario $0.5310, optimistic scenario $0.8900. The calculation is refreshed regularly with new filings.
What is the revenue of China Everbright Bank Company Ltd (CEBCF)?
China Everbright Bank Company Ltd reported trailing-twelve-month revenue of about 88.1B CNY (latest available figure, as of Oct 3, 2026).
What is the intrinsic value of China Everbright Bank Company Ltd (CEBCF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For China Everbright Bank Company Ltd it is $0.7120 per share (as of Oct 3, 2026), against a price of $0.3561. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is China Everbright Bank Company Ltd stock overvalued or undervalued in 2026?
As of Oct 3, 2026, CEBCF trades below its calculated fair value: price $0.3561, fair value $0.7120, a gap of about +100% (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 CEBCF?
No. The price is what the market pays today ($0.3561); the fair value is what the company's own numbers justify ($0.7120). For China Everbright Bank Company Ltd the two are $0.3559 per share apart. That gap is exactly why we show both numbers side by side.
How much is China Everbright Bank Company Ltd worth?
The market values China Everbright Bank Company Ltd at about $23.4B (market capitalisation, as of Oct 3, 2026). Per share that is $0.3561; our models calculate a fair value of $0.7120 per share.
What do the bullish and bearish scenarios say about CEBCF?
Our models span a range for China Everbright Bank Company Ltd: cautious scenario $0.5310, base $0.7120, optimistic $0.8900 per share (as of Oct 3, 2026, price $0.3561). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CEBCF?
China Everbright Bank Company Ltd trades at a price-to-earnings ratio of 5.3 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $0.7120 is built from several models across several years. Other multiples: P/B 0.3, P/S 1.8.
How solid is the balance sheet of China Everbright Bank Company Ltd (CEBCF)?
Balance-sheet figures for China Everbright Bank Company Ltd (as of Oct 3, 2026): return on equity 6.5%, debt of 0.25 per unit of equity. They feed the Quality Score of 59/100, which measures business quality independently of the share price.
How far is CEBCF from its 52-week high?
China Everbright Bank Company Ltd trades at $0.3561, about 29% below its 52-week high of $0.5001 and 2% above the low of $0.3500 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $0.7120 is for.
Which stocks are comparable to China Everbright Bank Company Ltd?
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 China Everbright Bank Company Ltd stock attractive at the current price?
The data as of Oct 3, 2026: price $0.3561, calculated fair value $0.7120 (+100%), Quality Score 59/100, 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 CEBCF calculated?
We run China Everbright Bank Company Ltd 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 $0.7120, 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. China Everbright Bank Company Ltd currently trades 50 % 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 China Everbright Bank Company Ltd (CEBCF)?
The latest price we hold is from Sep 25, 2026 and stands at $0.3561. Our model-based fair value is $0.7120, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with China Everbright Bank Company Ltd right now?
The price is below even our cautious bear case ($0.5310). 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 (59/100) 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 China Everbright Bank Company Ltd (CEBCF) come from?
Earnings per share at China Everbright Bank Company Ltd grew +0.0 % a year from 2014 to 2025. Broken into its drivers: revenue per share +1.9 %, EBIT margin −2.7 %, tax rate +0.8 %, residual (interest, one-offs) +0.0 %. 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 China Everbright Bank Company Ltd

How large is the market capitalisation of China Everbright Bank Company Ltd (CEBCF)?
The market capitalisation of China Everbright Bank Company Ltd is $23.4B. 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 China Everbright Bank Company Ltd (CEBCF)?
The price-to-sales ratio of China Everbright Bank Company Ltd is 0.84 (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 China Everbright Bank Company Ltd (CEBCF)?
Earnings per share at China Everbright Bank Company Ltd are $0.0800 (price ÷ EPS = P/E 5.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of China Everbright Bank Company Ltd (CEBCF)?
The net margin of China Everbright Bank Company Ltd is 15.8% (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 China Everbright Bank Company Ltd (CEBCF)?
The return on equity (ROE) of China Everbright Bank Company Ltd is 6.5% (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 China Everbright Bank Company Ltd (CEBCF)?
On an EBIT basis the return on assets of China Everbright Bank Company Ltd is 0.8% (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 China Everbright Bank Company Ltd (CEBCF)?
The operating margin of China Everbright Bank Company Ltd is 63.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at China Everbright Bank Company Ltd (CEBCF)?
Revenue at China Everbright Bank Company Ltd is growing −7.1% versus a year earlier (3y avg −4.2%). 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 China Everbright Bank Company Ltd (CEBCF)?
Earnings per share at China Everbright Bank Company Ltd are growing −10.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does China Everbright Bank Company Ltd (CEBCF) generate?
The free cash flow of China Everbright Bank Company Ltd is 155B 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 China Everbright Bank Company Ltd (CEBCF) carry?
The net debt of China Everbright Bank Company Ltd is 914B CNY (fiscal year 2025, ≈ 5.9 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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