Industrial & Commercial Bank of China Ltd. - ADR
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+ FollowMarket Cap$358.9B
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Earnings Call Q4 2024
March 28, 2025 - AI Summary
Stable Financial Performance: ICBC reported a net profit of RMB 366.9 billion for 2024, maintaining resilience amid challenging market conditions, with an operating revenue of RMB 786.1 billion. The net interest margin (NIM) was 1.42%, and the NPL ratio was 1.34%, indicating stable asset quality and efficient risk management, although the NIM slightly decreased by 19 basis points year-over-year.
Dividend Increases and Financial Returns: The bank declared its first interim dividend of RMB 51.1 billion and plans to distribute a year-end dividend of RMB 58.7 billion, marking a significant increase in total dividends as part of a strategy to enhance shareholder value. This reflects a healthy dividend yield with A shares returning 5.32% and H shares returning 7.49%.
Five Transformations Strategy: ICBC is focusing on five transformations that emphasize intelligent risk control, modern business layout, digital growth, diversified structures, and ecological foundation. These strategies aim to capitalize on the real economy and maintain competitiveness, especially as the bank navigates through a low NIM environment.
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$37.12
84.3% upside
Current Fair Value
84.3% upsideUndervalued by 84.3% based on the discounted cash flow analysis.
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Share Statistics
| Market cap | $358.90 Billion |
|---|---|
| Enterprise Value | $8.70 Trillion |
| Annual dividend | $0.95 |
| Dividend yield | 3.66% |
| Earnings per Share | $19.6 |
| Beta | 0.14 |
| Outstanding Shares | 17,820,312,850 |
Return
| Return on Equity | 6.77% |
|---|---|
| Return on Assets | 0.48% |
| Return on Invested Capital | 0.60% |
Valuation & Multiples
| P/E Ratio | 8.58 |
|---|---|
| PEG | 282.52 |
| Price to Sales | 0.38 |
| Price to Book Ratio | 0.09 |
| Enterprise Value to Revenue | 9.05 |
| Enterprise Value to EBIT | 27.69 |
| Enterprise Value to Net Income | 31 |
| Total Debt to Enterprise | 1.36 |
| Debt to Equity | 2.91 |
Revenue Sources
No data
Last Earnings Call
Report Date
October 30, 2026
EPS Estimate
$0.87
Consensus analyst estimateRevenue Estimate
$32.99 B
Consensus analyst estimateNext Earnings Call
Expected Date
March 26, 2027
EPS Estimate
$0.84
Consensus analyst estimateRevenue Estimate
$30.65 B
Consensus analyst estimateInstitutional Sentiment (Put/Call)
No data available for the latest quarter.
Institutional Ownership
No data available for the latest quarter.
About Industrial & Commercial Bank of China Ltd.
402,548 employees
CEO: Lin Liao
Industrial and Commercial Bank of China Limited (ICBC), together with its affiliated entities, functions as a leading financial institution, delivering a broad spectrum of banking products and services both within the People's Republic o...