3988 Share Price Performance
HK$0
-4.53 (-100.00%)
Price HK$0
Fair ValueHK$3.77
Share Pricen/a
Bank of China Limited Stock Price
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- 100 Fair Values set on narratives written by author
3988 Community Narratives
AN
Fair Value HK$3.77 18.4% overvalued intrinsic discount
Aging Demographics And Rising Credit Costs Will Impair Performance
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AN
Fair Value HK$5.43 17.7% undervalued intrinsic discount
China Urbanization And Digital Payments Will Unlock Potential
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Fair Value HK$6.34 29.5% undervalued intrinsic discount
China's Middle Class And Global RMB Trends Will Drive Expansion
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Aging Demographics And Rising Credit Costs Will Impair Performance
Key Takeaways Exposure to challenged sectors and demographic shifts will constrain loan demand, elevate credit costs, and pressure both earnings and margins. Intensifying global tensions, digital disruption, and regulatory scrutiny threaten cross-border growth, non-interest income, and the bank's long-term competitiveness.Read more
104
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HK$3.77
18.4% overvalued intrinsic discount
AnalystLowTarget's Fair Value
Revenue
12.74% p.a.
Profit Margin
32.12%
Future PE
6.6x
Price in 2029
HK$4.79
China Urbanization And Digital Payments Will Unlock Potential
Key Takeaways Growing demand for diverse financial and wealth management products, plus green and tech-focused lending, is strengthening Bank of China's revenue streams and earnings stability. Investment in digital innovation and leveraging cross-border business advantages are likely to enhance efficiency, customer engagement, and support sustainable long-term growth.Read more
259
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HK$5.43
17.7% undervalued intrinsic discount
AnalystConsensusTarget's Fair Value
Revenue
11.43% p.a.
Profit Margin
32.88%
Future PE
9.66x
Price in 2029
HK$6.9
China's Middle Class And Global RMB Trends Will Drive Expansion
Key Takeaways Aggressive global expansion and digital innovation position the bank to outperform peers in noninterest income, overseas profits, and high-growth financial segments. Advancements in technology, product innovation, and infrastructure lending drive sustained asset growth, margin expansion, and industry-leading profitability.Read more
28
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HK$6.34
29.5% undervalued intrinsic discount
AnalystHighTarget's Fair Value
Revenue
12.44% p.a.
Profit Margin
32.26%
Future PE
11.32x
Price in 2029
HK$8.08
Trending Discussion
Recently Updated Narratives
AN
3988: Slightly Softer Margins And P E Multiple Will Limit Share Upside
Fair Value: HK$3.77 18.4% overvalued intrinsic discount
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3988: Interim Dividend And Slightly Stronger Margins Will Support Future Share Performance
Fair Value: HK$5.43 17.7% undervalued intrinsic discount
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3988: Future P/E Repricing Will Support Upgraded Fair Value Estimate
Fair Value: HK$6.34 29.5% undervalued intrinsic discount
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Snowflake Analysis
Bank of China Limited Key Details
Last Reported Earnings
Sep 30, 2025
Next Reporting Earnings
Mar 30, 2026
- 0.69
- 100.00%
- 40.59%
- 236.1%
About 3988
- Founded
- 1912
- Employees
- 310475
- CEO
- WebsiteView website
Bank of China Limited, together with its subsidiaries, provides various banking and financial services in Chinese Mainland, Hong Kong, Macao, Taiwan, and internationally. It operates through six segments: Corporate Banking, Personal Banking, Treasury Operations, Investment Banking, Insurance, and Other. The Corporate Banking segment provides current accounts, deposits, overdrafts, loans, payments and settlements, trade-related products, and other credit facilities, as well as foreign currency, derivative, and wealth management products for corporate customers, government authorities, and financial institutions. The Personal Banking segment offers savings deposits, personal loans, credit cards and debit cards, payments and settlements, wealth management, and funds and insurance agency services to retail customers. The Treasury Operations segment offers foreign exchange transactions, customer-based interest rate, and foreign exchange derivative transactions, as well as money market transactions, proprietary trading, and asset and liability management. The Investment Banking segment provides debt and equity underwriting and financial advisory, sale and trading of securities, stock brokerage, investment research, asset management services, and private equity investment services. The Insurance segment provides underwriting services for general and life insurance business, and insurance agency services. In addition, the company operates debt-to-equity swaps and other supporting, and aircraft and financial leasing business. Bank of China Limited was founded in 1912 and is headquartered in Beijing, China.
