Update shared on 12 Dec 2025
Analysts have raised their price target on Industrial Bank to $30.50 from $30.50, effectively reiterating their prior valuation as they balance a higher assumed discount rate and slightly softer long term growth and margin expectations against a richer future earnings multiple.
Valuation Changes
- Fair Value: unchanged at CN¥30.50, indicating no net revision to the intrinsic value estimate.
- Discount Rate: risen significantly from 8.51 percent to 12.12 percent. This reflects a higher required return on equity risk.
- Revenue Growth: eased slightly from 20.58 percent to 20.04 percent, suggesting a modestly more conservative top line outlook.
- Net Profit Margin: edged down from 34.04 percent to 33.42 percent, implying slightly lower long term profitability assumptions.
- Future P/E: increased meaningfully from 9.15x to 10.84x. This signals a higher expected valuation multiple on forward earnings.
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