Industrial and Commercial Bank of China Limited (IDCBY) Fair Value & Analysis
Financial Services · US · Market cap $429B
Industrial and Commercial Bank of China Limited
IDCBY · US
Fair value as of: Jul 26, 2026
From 26 valuation models · updated yesterday
Fair value updated Jul 26, 2026, revised from $23.39 to $25.32 (+8.3%) since Jun 26, 2026. Share price +6.3% over the past month.
What matters now
- The price is below even our cautious bear case ($18.99). The market is more pessimistic than our downside scenario.
- Solid quality (68/100) 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.
Price vs Fair Value (12 months)
12‑month range $13.39 – $18.43 · fair‑value band $18.99 – $31.65 · the $18.30 price screens below the $25.32 fair value. As of Jul 26, 2026.
✦ Which stocks are undervalued right now? Check free Discover now →Analysis
Industrial and Commercial Bank of China Limited (IDCBY) currently trades at $18.30, while our model-based Fair Value estimate is $25.32, implying the stock looks roughly 38.4% undervalued today. We read business quality at 68/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Industrial and Commercial Bank of China Limited generated revenue of $673B at a net margin of 55.2%. Revenue grew 3.4% year over year. It earns a return on equity of 8.9%. Net debt stands at $6.6T. Fundamentals as of Jul 26, 2026
Our scenario range runs from $18.99 (bear case) to $31.65 (bull case); at $18.30, the current price sits below that range. The share trades about 1% below its 52-week high and 39% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -15% fair-value upside, at 38%, IDCBY screens cheaper than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 26, 2026. TTM = trailing twelve months.
Quality Score breakdown
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Industrial and Commercial Bank of China Limited, together with its subsidiaries, provides banking products and services in the People's Republic of China and internationally. It operates through Corporate Banking, Personal Banking, and Treasury Operations segments.
Full company description
Industrial and Commercial Bank of China Limited, together with its subsidiaries, provides banking products and services in the People's Republic of China and internationally. It operates through Corporate Banking, Personal Banking, and Treasury Operations segments. The Corporate Banking segment offers corporate loans, trade financing, deposit-taking activities, corporate wealth management services, custody services, and various types of corporate intermediary services, as well as corporate loans to corporations, government agencies, and financial institutions. Its Personal Banking segment provides personal loans, deposit-taking activities, card business, personal wealth management services, and various types of personal intermediary services to individual customers. The Treasury Operations segment engages in money market transactions, investment securities, and foreign exchange transaction activities. In addition, the company is involved in the fund raising, fund sales, asset management, and other businesses; financial leasing; insurance businesses, such as life, health, and accident insurance, as well as reinsurance; debt-for-equity swaps; and issuance of wealth management products, wealth management advisory, and consulting services. Industrial and Commercial Bank of China Limited was founded in 1984 and is headquartered in Beijing, the People's Republic of China.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Industrial and Commercial Bank of China Limited reported revenue of $1.5T in FY2025 versus $940B in FY2021, a compound +12.2%/yr. Reported net income was $359B in FY2025, compounding +0.7%/yr from FY2021.
Is IDCBY fairly valued? → Check now
Recent news
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External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection, not financial advice.
Similar stocks
10 more Banks - Diversified stocks, each showing price versus our Fair Value estimate (as of Jul 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| JPMorgan Chase & Co JPMC34 | R$160.28 | R$84.14 | -48% |
| Bank of America Corporation BAC | 942.00 MXN | 36.34 MXN | -96% |
| China Construction Bank Corporation 601939 | ¥9.94 | ¥16.38 | +65% |
| HSBC Holdings H1SB34 | R$124.02 | R$20.23 | -84% |
| Agricultural Bank of China Limited 601288 | ¥6.40 | ¥12.80 | +100% |
| Royal Bank of Canada RY | C$288.41 | C$190.48 | -34% |
| Bank of China Limited 601988 | ¥6.05 | ¥12.10 | +100% |
| Wells Fargo & Company WFCO34 | R$106.04 | R$90.63 | -15% |
| Mitsubishi UFJ Financial Group M1UF34 | R$102.80 | R$88.77 | -14% |
| Citigroup Inc C | 2,345 MXN | 1,724 MXN | -26% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.