China Citic Bank Corp Ltd (CHCJY) fair value: what the stock is really worth
As of Sep 29, 2026: fair value of China Citic Bank Corp Ltd $39.73, price $21.25, upside +87.0%, quality 58 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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China Citic Bank Corp Ltd
CHCJY · USClearly undervaluedStrong Fair Value upside, but quality is only moderate.
What runs behind every stock
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 29, 2026.
How to read this chart
60‑month range $5.16 – $21.80 · fair‑value band $35.93 – $57.34 · the $21.25 price screens below the $39.73 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 29, 2026.
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Company profile
China CITIC Bank Corporation Limited provides various banking products and services in the People's Republic of China and internationally. It operates in three segments: Corporate Banking, Retail Banking, and Financial Market business.
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China CITIC Bank Corporation Limited provides various banking products and services in the People's Republic of China and internationally. It operates in three segments: Corporate Banking, Retail Banking, and Financial Market business. The Corporate Banking segment offers corporate loans, deposit services, agency services, money transfer and settlement services, and guarantee services to corporate clients, government agencies, and non-financial institutions. Its Retail Banking segment provides personal loans, deposit services, agency services, remittance and settlement services, and guarantee services to individual customers. The Financial Markets Business segment engages in interbank lending, repurchase transactions and debt instrument investments in the interbank market, and trading in debt instruments, as well as derivatives and forex trading. The company also offers wealth management, treasury business, asset management, financial leasing, private banking and other non-bank financial services. It operates through branches; self-service banks; and self-service terminals, as well as smart teller machines. The company was founded in 1987 and is headquartered in Beijing, the People's Republic of China. China CITIC Bank Corporation Limited operates as a subsidiary of CITIC Financial Holdings Co., Ltd.
Stock analysis
China Citic Bank Corp Ltd ADR (CHCJY) currently trades at $21.25, while our model-based Fair Value estimate is $39.73, implying the stock looks roughly 46.5% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $47.92 per share, and 6 of the 6 models we run sit above the $21.25 price.
Bear case: the Dividend Discount group reads lowest at $22.47, and 0 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: $35.93 (bear) to $57.34 (bull), the price of $21.25 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 58/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
China Citic Bank Corp Ltd ADR reported revenue of 347B CNY in FY2025 versus 363B CNY in FY2021, a compound −1.1%/yr. Reported net income was 68.7B CNY in FY2025, compounding +5.4%/yr from FY2021.
Key figures
Market cap $54.3B · P/E ratio 5.5 · P/S ratio 1.09 · EPS (TTM) $3.54 · Dividend yield 5.6% · Net margin 19.8% · Return on equity 8.5% · Return on assets (EBIT) 0.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 44 out of 100 (low confidence).
What moves the price
The share trades about 3% below its 52-week high and 37% 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 87%, CHCJY screens cheaper than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 54 · Market factors (momentum, volatility) 67
Revenue & earnings trend
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Earlier news
- Are Investors Undervaluing China CITIC Bank (CHCJY) Right Now?
- Should Value Investors Buy China CITIC Bank (CHCJY) Stock?
- Is China CITIC Bank (CHCJY) Stock Undervalued Right Now?
- Tencent Cloud and China CITIC Bank International Limited Sign Strategic Cooperation Agreement to Accelerate FinTech 2.0 Transformation
Compare China Citic Bank Corp Ltd ADR with another stock
Price, fair value, quality and upside side by side.
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
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
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.
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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Key figures of China Citic Bank Corp Ltd ADR
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