China Construction Bank (SEHK:939) Valuation After Approving 2025 H Share Interim Cash Dividend and Currency Options

China Construction Bank (SEHK:939) has just approved its 2025 H share interim cash dividend, and the detailed payout timetable immediately puts yield, currency choice, and ex dividend timing back on investors radar.

See our latest analysis for China Construction Bank.

That dividend decision lands after a steady run, with the share price at HK$7.98 and a strong year to date share price return of 32.12 percent. The 1 year total shareholder return of 42.04 percent and the triple digit 3 and 5 year total shareholder returns suggest that underlying momentum has been building rather than fading.

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With double digit revenue growth, rising profits and a sizeable discount to analyst targets and intrinsic value estimates, investors face a familiar dilemma: is China Construction Bank still undervalued, or is the market already pricing in future growth?

Most Popular Narrative: 15.3% Undervalued

With the narrative fair value sitting above the HK$7.98 last close, the current share price is framed as leaving meaningful upside on the table.

Analysts expect earnings to reach CN¥372.3 billion (and earnings per share of CN¥1.4) by about September 2028, up from CN¥326.2 billion today. The analysts are largely in agreement about this estimate.

Read the complete narrative.

Curious how modest earnings growth, a richer future multiple and a lower discount rate can still add up to a sizeable valuation gap? The full narrative unpacks the precise growth trajectory, margin shifts and re rating assumptions behind that target, step by step.

Result: Fair Value of $9.42 (UNDERVALUED)

Have a read of the narrative in full and understand what's behind the forecasts.

However, renewed property sector stress or prolonged net interest margin pressure could quickly challenge these upbeat assumptions and rein in that implied upside.

Find out about the key risks to this China Construction Bank narrative.

Build Your Own China Construction Bank Narrative

If you see the story differently, or simply prefer running your own numbers, you can build a personalised view in just a few minutes: Do it your way.

A good starting point is our analysis highlighting 5 key rewards investors are optimistic about regarding China Construction Bank.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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