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3988.HK$5.22+0.19%
Fair $5.22+0.0%

3988.HK

Bank of China Limited

Financial Services / Banks - DiversifiedHKSE

$5.22

+0.01 (+0.19%)

Fairly Valued+0.0%Fair Value $5.22Fund rank 33/100 · Data gapFallback financials|
SA 43/C
F-Score: 3/9

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 35.0/100

Data gap 33/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 62/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

43/100

C

Piotroski

3/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 0unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified.
Thesis & Journal · 3988.HKLocal privado en este navegador · Bank of China Limited
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$1.68T

P/E

6.1x

↓

EV/EBITDA

N/A

•

ROE

7.9%

↑

Gross Margin

N/A

•

Debt/Equity

0.91

↑
52-Week Range$5
$4$5

TradingView lightweight chart

3988.HK price, volumen y niveles de valoración

Último $5.220Periodo +61.3%
Fair value: $5.220

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+4.0%

FCF CAGR

—

FCF margin

115.8%

FCF / Net income

3.13x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $657.18B · net income $243.02B · FCF $760.76B

2022-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

37.0%-1.8% pts

FCF margin

115.8%+124.2% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$657.18B$657.18B$629.41B$621.92B$584.72B
Net Income$243.02B$243.02B$237.84B$231.90B$226.52B
EPS0.740.740.750.740.72
Net Margin37.0%37.0%37.8%37.3%38.7%
Balance Sheet
Debt/Equity0.910.910.900.840.78
Cash Flow
Free Cash Flow$760.76B$760.76B$523.73B$787.30B$-49.59B
Returns
ROE7.9%7.9%8.4%8.8%9.3%
Valuation
P/E6.076.075.244.014.03
P/B0.560.560.440.350.38
Growth & Yield
Revenue Growth4.4%4.4%1.2%6.4%—
EPS Growth-1.3%-1.3%1.4%2.8%—
Dividend Yield4.8%4.8%———

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

-14.5%

fácil

EPS terminal req.

$0.46

Spread vs growth

13.1%

5Y implied EPS CAGR

-5.4%

fácil

EPS terminal req.

$0.56

Spread vs growth

4.1%

10Y implied EPS CAGR

2.0%

fácil

EPS terminal req.

$0.90

Spread vs growth

-3.3%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +16.4%

Total return

+16.4%

Start / end P/E

6.2x → 7.1x

EPS bridge

0.75 → 0.74

Residual

-0.2%

EPS growth-1.3%
Multiple rerating+13.0%
Dividend+4.8%
Residual / FX / buybacks / cross-term-0.2%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.