3988 Share Price Performance
HK$4.66
1.03 (28.37%)
10.3% undervalued intrinsic discount
HK$5.19
Fair Value
Price HK$4.66
AnalystConsensusTarget HK$5.19
AnalystLowTarget HK$2.79
AnalystHighTarget HK$5.90
Fair ValueHK$5.19
Share Pricen/a
Bank of China Limited Stock Price
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- 95 Fair Values set on narratives written by author
3988 Community Narratives
AN
Fair Value HK$5.19 10.3% undervalued intrinsic discount
China Urbanization And Digital Payments Will Unlock Potential
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Fair Value HK$3.6 29.5% overvalued intrinsic discount
Aging Demographics And Rising Credit Costs Will Impair Performance
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Fair Value HK$5.93 21.4% undervalued intrinsic discount
China's Middle Class And Global RMB Trends Will Drive Expansion
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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
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AN
HK$5.19
10.3% undervalued intrinsic discount
AnalystConsensusTarget Fair Value
Revenue growth
11.33% p.a.
Profit Margin
34.48%
Future PE
10.08x
Share price in 2028
HK$7.28
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
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AN
HK$3.6
29.5% overvalued intrinsic discount
AnalystLowTarget Fair Value
Revenue growth
7.96% p.a.
Profit Margin
34.64%
Future PE
6.97x
Share price in 2028
HK$4.6
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
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AN
HK$5.93
21.4% undervalued intrinsic discount
AnalystHighTarget Fair Value
Revenue growth
13.32% p.a.
Profit Margin
33.71%
Future PE
10.2x
Share price in 2028
HK$7.59
Recently Updated Narratives
AN
China Urbanization And Digital Payments Will Unlock Potential
Fair Value: HK$5.19 10.3% undervalued intrinsic discount
45 followersusers have followed this narrative
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AN
Aging Demographics And Rising Credit Costs Will Impair Performance
Fair Value: HK$3.6 29.5% overvalued intrinsic discount
2 followersusers have followed this narrative
0 commentsusers have commented on this narrative
0 likesusers have liked this narrative
AN
China's Middle Class And Global RMB Trends Will Drive Expansion
Fair Value: HK$5.93 21.4% undervalued intrinsic discount
1 followerusers have followed this narrative
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Snowflake Analysis
Bank of China Limited Key Details
Last Reported Earnings
Sep 30, 2025
Next Reporting Earnings
n/a
- 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.
