China Construction Bank Corp (CICHY) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of China Construction Bank Corp $44.34, price $24.30, upside +82.5%, quality 60 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
- Add to watchlist
China Construction Bank Corp
CICHY · 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 28, 2026.
How to read this chart
60‑month range $8.13 – $25.31 · fair‑value band $39.43 – $64.64 · the $24.30 price screens below the $44.34 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 28, 2026.
Every Wednesday you see whether China Construction Bank is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Company profile
China Construction Bank Corporation engages in the provision of various banking and related financial services to individuals and corporate customers in the People's Republic of China and internationally. It operates through Corporate Finance Business, Personal Finance Business, Treasury and Asset Management Business, and Others segments.
Show more
China Construction Bank Corporation engages in the provision of various banking and related financial services to individuals and corporate customers in the People's Republic of China and internationally. It operates through Corporate Finance Business, Personal Finance Business, Treasury and Asset Management Business, and Others segments. The company offers corporate and personal loans; trade financing; deposit taking and wealth management, agency, financial consulting and advisory, cash management, remittance and settlement, guarantee, and investment banking services to individuals, corporations, government agencies, and financial institutions. It is also involved in inter-bank deposit and placement transactions, repurchase and resale transactions, and invests in debt securities; trades in derivatives and foreign currencies; precious metal trading; and custody services. In addition, the company provides finance leasing, transfer and purchase of finance lease assets, and fixed-income investment; motor vehicle, business and household property, construction and engineering, liability insurance, hull and cargo, and short-term health and accidental injury insurance, as well as reinsurance; and cost consulting, whole-process engineering consulting, project management, investment consulting, and bidding agency services; and debt-to-equity swaps and relevant supporting businesses. Further, it engages in private equity investment and management of development funds and other private equity funds; investment banking related services, such as sponsoring and underwriting of public offerings, corporate merger and acquisition and restructuring, direct investment, asset management, and securities brokerage and market research; house rental business; raising and selling of funds; management of annuity and pension funds; and pension advisory service. China Construction Bank Corporation was founded in 1954 and is headquartered in Beijing, the People's Republic of China.
Stock analysis
China Construction Bank Corp (CICHY) currently trades at $24.30, while our model-based Fair Value estimate is $44.34, implying the stock looks roughly 45.2% undervalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of $53.22 per share, and 5 of the 6 models we run sit above the $24.30 price.
Bear case: the Dividend Discount group reads lowest at $22.48, and 1 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: $39.43 (bear) to $64.64 (bull), the price of $24.30 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.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
China Construction Bank Corp reported revenue of 1.3T CNY in FY2025 versus 823B CNY in FY2021, a compound +12.6%/yr. Reported net income was 330B CNY in FY2025, compounding +2.2%/yr from FY2021.
Key figures
Market cap $304B · P/E ratio 5.7 · P/S ratio 1.43 · EPS (TTM) $3.84 · Dividend yield 4.8% · Net margin 24.9% · Return on equity 9.6% · Return on assets (EBIT) 1.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The share trades about 4% below its 52-week high and 33% 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 82%, CICHY screens cheaper than that median.
Fair Value models
All 6 models by family
Notify me when CICHY reaches fair value
Put CICHY on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.
Set up alert →Quality Score breakdown
Of which business quality 56 · Market factors (momentum, volatility) 77
Revenue & earnings trend
Watch CICHY, get fair value alerts →
Recent news
- Should Value Investors Buy China Construction Bank (CICHY) Stock?
- What Does China Construction Bank (SEHK:939) Rmb 40 Billion AT1 Issue Change?
- Are Investors Undervaluing China Construction Bank (CICHY) Right Now?
- China Construction Bank (CICHY) Upgraded to Buy: Here's Why
Compare China Construction Bank Corp 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 - Diversified · 43 stocks
Valuation Multiplesvs Banks - Diversified 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 - 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% |
| 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% |
| Banco Santander, S.A SAN | €11.81 | €8.19 | −31% |
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is China Construction Bank Corp (CICHY) overvalued or undervalued?
What is the fair value of CICHY?
What is the quality score of CICHY?
What is the price target for China Construction Bank Corp (CICHY)?
What is the China Construction Bank Corp stock forecast for 2026?
What is the revenue of China Construction Bank Corp (CICHY)?
Does China Construction Bank Corp pay a dividend?
What is the intrinsic value of China Construction Bank Corp (CICHY)?
Is China Construction Bank Corp stock overvalued or undervalued in 2026?
Is fair value the same as the market price of CICHY?
How much is China Construction Bank Corp worth?
What do the bullish and bearish scenarios say about CICHY?
What is the P/E ratio of CICHY?
What is the PEG ratio of CICHY?
How solid is the balance sheet of China Construction Bank Corp (CICHY)?
How far is CICHY from its 52-week high?
Which stocks are comparable to China Construction Bank Corp?
Is China Construction Bank Corp stock attractive at the current price?
How is the fair value of CICHY calculated?
Is it still worth investing in stocks now?
What is the share price of China Construction Bank Corp (CICHY)?
What should I pay attention to with China Construction Bank Corp right now?
Where does the earnings growth of China Construction Bank Corp (CICHY) come from?
Key figures of China Construction Bank Corp
How large is the market capitalisation of China Construction Bank Corp (CICHY)?
What is the P/S ratio of China Construction Bank Corp (CICHY)?
What are the earnings per share of China Construction Bank Corp (CICHY)?
What is the dividend yield of China Construction Bank Corp (CICHY)?
What is the net margin of China Construction Bank Corp (CICHY)?
What is the return on equity of China Construction Bank Corp (CICHY)?
What is the EBIT return on assets of China Construction Bank Corp (CICHY)?
What is the operating margin of China Construction Bank Corp (CICHY)?
How fast is revenue growing at China Construction Bank Corp (CICHY)?
How much free cash flow does China Construction Bank Corp (CICHY) generate?
How much net debt does China Construction Bank Corp (CICHY) carry?
Watch China Construction Bank Corp in the live analysis
One click puts China Construction Bank Corp on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.