Ping An Bank

China's Shrinking Credit Demand And Fintech Challenges Will Worsen Margins

AnalystLowTarget

Not Invested

Consensus Narrative from 17 Analysts

Published

08 Jun 25

AnalystLowTarget's Fair Value

CN¥11.00

4.1% overvalued

09 Aug

CN¥11.45

15.7%

-2.3%

15.7%

-2.3%

You can edit this narrative until Jun 8 10:20 PM. Then, changes will post as Updates.

Author's Valuation

CN¥11.0

4.1% overvalued

AnalystLowTarget Fair Value

Narrative

Updates0

AnalystLowTarget Fair Value

CN¥11

4.1% overvalued

Future estimation in

% p.a.

Decrease

Increase

Current revenue growth rate

12.28%

Banks revenue growth rate

0.23%

Risk Level (Discount Rate)

Our default considers factors like the company's size, volatility, profitablity and country of operation.

Decrease

Increase

Current discount rate

12.27%

Calculation

CN¥42.43b

Earnings '28

6.89x

PE Ratio '28

CN¥292.17b

Market Cap '28

CN¥292.17b

Market Cap '28

19.41b

No. shares '28

CN¥15.06

Share Price '28

CN¥15.06 Share Price '28

Discounted to 2025 @ 11.03% p.a.

CN¥11.00

Fair Value '25