
China Construction Bank Corporation (CICHY)
ValueMarkers Composite Index
262% above intrinsic value ($6)
China Construction Bank Corporation (CICHY) — VMCI valuation read
China Construction Bank Corporation sits at VMCI 58/100, with the Financial Services sector median at 50. That 8-point spread is the first thing to note on CICHY: it tells the reader the composite is favorable before any single ratio is examined, and the mid-cap tier sets the comparison set.
Form 4 disclosures on CICHY are blank for the trailing 30 days. With the insider channel offline, the EV/EBITDA delta, free-cash-flow trajectory, and the next earnings print do the talking.
**Investor frame.** The Value read on CICHY: CICHY trades at 20.0x earnings, 11% above the Financial Services median of 18.0x, with EV/EBITDA at 13.0x against 12.0x. The Quality read: ROIC of 12.0% sits 2.0pp above the Financial Services median (10.0%). The Risk read: net debt to EBITDA of 2.7x is the rate-sensitivity line to watch, anchoring the bear scenario on a measurable balance-sheet metric.
CICHY fell 3.7% over the trailing 7 days, with a -20.3% read on a 30-day basis.
China Construction Bank Corporation provides various banking and related financial services to individuals and corporate customers in the People's Republic of China and internationally. It operates through Corporate Banking, Personal Banking, Treasury Business, and Others segments. The company accepts various deposits, such as foreign currency, all in one accounts, RMB, corporate term and notification, and corporate demand deposits, as well corporate deposits by agreement. Its loan products include personal business, car, and housing loans; and SME, traditional credit, commercial draft, buyer credit, and RMB credit line loans. The company also offers credit cards; physical gold for personal investment and personal gold accounts; foreign exchange services; certificate treasury and savings bonds, securities deposit accounts, and securities services, as well as bank-securities transfer and book-entry treasury bond over the counter services; and wealth management products. In addition, it provides collection, salaries payment, third-party collection and payment, insurance agency, and remittance services; international settlement and financing, and FI services; securities and fund settlement services; guarantee-based, consulting and advising, and factoring services; fund custody services; and e-banking services. Further, the company offers institutional services comprising services for government agencies, social security, banks cooperation, bank-securities cooperation, bank-insurance cooperation, and services for non-banking financial institutions. It operates 14,741 banking outlets. China Construction Bank Corporation was founded in 1954 and is headquartered in Beijing, the People's Republic of China.
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Key metrics explained
Definitions, formulas, and how ValueMarkers calculates each indicator used in CICHY’s VM Score.
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