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Industrial Bank Co., Ltd. (601166.SS)

CNY17.45 -0.02 (-0.11%)
CN SHH Financial Services Banks - Regional
Address No. 154 Hudong Road 350003
Fuzhou, CN
CEO Jiajin Lyu
Website cib.com.cn
IPO 2007-02-05
ISIN CNE000001QZ7

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Description

Industrial Bank Co., Ltd., established in 1988 and headquartered in Fuzhou, People's Republic of China, operates as a comprehensive financial institution providing a broad spectrum of banking and diversified financial services. Its core banking activities in China encompass accepting deposits from the public, offering various loan types (short, medium, and long-term), and managing both domestic and international settlement operations. The bank is also involved in issuing financial instruments such as discount and financial bonds, processing acceptance bills and notes, and acting as an agent for bond issuance and encashment. It actively participates in capital markets through underwriting and trading government bonds, debentures, financial bonds, and other marketable securities (excluding equities). Additional fundamental services include asset custody, inter-bank lending, and foreign exchange transactions encompassing trading, settlement, and sales. Beyond these traditional offerings, Industrial Bank provides a full suite of customer-centric services. These include bank card services, agency trading, letters of credit and guarantee, remittance facilities, and serving as an insurance agent. Customers can also access safety deposit boxes, receive financial advisory, and utilize credit investigation, advisory, and attestation services. The institution further supports modern banking needs with extensive digital platforms, including debit and credit cards, internet banking, and mobile banking services. Through its network of subsidiaries, Industrial Bank extends its reach into diverse specialized financial sectors. This includes finance leasing, trust services, fund raising and marketing, comprehensive asset management, and consumer finance. The group also engages in strategic equity and industrial investments, alongside providing expert investment management, advisory, and consulting services. Further specialized areas cover financial, business, and enterprise management consulting; sophisticated financial data processing; brokerage services for commodity and financial futures; futures investment consulting; and economic information consulting. The company even contributes to technological infrastructure through application software development and system integration. Moreover, the bank is actively involved in broader financial health management, including the acquisition, transfer, and disposal of non-performing loans (bad debts) from both financial and non-financial entities. It also develops and distributes a variety of wealth management products and offers related consulting and advisory services.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
CNY17.45 -0.02 (-0.11%)
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Volume Profile
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Liquidity & share structure
Average Volume
95M
Beta
0.30
Float Shares
12.74B
Free Float %
60.2%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.11% -0.34% -4.21% -4.52% -16.67% -15.72% -20.33% +4.23% -21.25% +11.64% +114.11%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
17.45
Ratings Trend (MoM) 65% Bullish
Rating 2024-11 Change
Strong Buy 5 0
Buy 8 0
Hold 3 0
Sell 4 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.16
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    -10.7% Q1'26: -4.7% (vs Q1'25)
  • EPS growth
    +7.1% Q1'26: -1.0% (vs Q1'25)
  • FCF margin
    Q1'26: -53.1% (vs Q1'25)
  • EBIT margin
    Q1'26: +29.0% (vs Q1'25)
  • ROIC
    Q1'26: +2.1% (vs Q1'25)
  • Share dilution
    -6.3% Q1'26: +1.1% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 37.78× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.31) × ERP
WACC = 9% × Ke + 91% × Kd (4.2%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 17.45
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
10 Rev. Ana.
9 EPS Ana.
Dec 2027
13 Rev. Ana.
13 EPS Ana.
Dec 2028
7 Rev. Ana.
7 EPS Ana.
Revenue
290.21B
est: 149.26B (+94.4%)
280.77B
est: 157.49B (+78.3%)
303.81B
est: 140.65B (+116.0%)
332.92B
est: 155.74B (+113.8%)
347.75B
est: 182.85B (+90.2%)
362.94B
est: 202.53B (+79.2%)
390.51B
est: 220.60B (+77.0%)
405.65B
est: 226.78B (+78.9%)
413.37B
est: 148.00B (+179.3%)
407.69B
est: 212.30B (+92.0%)
363.93B
est: 211.52B (+72.1%)
215.34B
210.56B – 218.08B
+1.8% YoY
224.19B
216.13B – 238.05B
+4.1% YoY
233.73B
231.48B – 235.98B
+4.3% YoY
EBITDA
64.58B
est: 35.79B (+80.5%)
65.44B
est: 37.76B (+73.3%)
66.41B
est: 33.72B (+96.9%)
69.98B
est: 37.34B (+87.4%)
76.34B
est: 43.84B (+74.1%)
78.75B
est: 48.56B (+62.2%)
100.60B
est: 52.89B (+90.2%)
111.84B
est: 54.37B (+105.7%)
90.54B
est: 36.94B (+145.1%)
93.56B
est: 52.98B (+76.6%)
96.83B
est: 52.79B (+83.4%)
53.75B
52.55B – 54.43B
+1.8% YoY
55.95B
53.94B – 59.41B
+4.1% YoY
58.33B
57.77B – 58.90B
+4.3% YoY
EBIT
63.24B
est: 33.88B (+86.7%)
63.93B
est: 35.74B (+78.9%)
64.75B
est: 31.92B (+102.9%)
68.08B
est: 35.35B (+92.6%)
74.50B
est: 41.50B (+79.5%)
76.64B
est: 45.96B (+66.7%)
95.31B
est: 50.06B (+90.4%)
106.22B
est: 51.47B (+106.4%)
84.33B
est: 34.66B (+143.3%)
87.12B
est: 49.71B (+75.2%)
89.97B
est: 49.53B (+81.6%)
50.43B
49.31B – 51.07B
+1.8% YoY
52.50B
50.61B – 55.74B
+4.1% YoY
54.73B
54.21B – 55.26B
+4.3% YoY
Net Income
50.21B
est: 63.59B (-21.0%)
53.85B
est: 64.23B (-16.2%)
57.20B
est: 66.75B (-14.3%)
60.62B
est: 68.90B (-12.0%)
65.87B
est: 75.28B (-12.5%)
66.63B
est: 75.14B (-11.3%)
82.68B
est: 91.38B (-9.5%)
91.38B
est: 102.85B (-11.2%)
77.12B
est: 79.42B (-2.9%)
77.21B
est: 80.39B (-4.0%)
77.47B
est: 80.84B (-4.2%)
80.94B
78.46B – 83.42B
+0.1% YoY
80.68B
77.98B – 91.43B
-0.3% YoY
84.31B
80.73B – 92.95B
+4.5% YoY
SGA
8.52B
est: 6.25B (+36.3%)
8.91B
est: 6.60B (+35.1%)
9.40B
est: 5.89B (+59.6%)
9.78B
est: 6.52B (+49.9%)
13.24B
est: 7.66B (+72.9%)
13.62B
est: 8.48B (+60.6%)
14.80B
est: 9.24B (+60.1%)
20.01B
est: 9.50B (+110.6%)
17.59B
est: 8.26B (+112.9%)
17.18B
est: 11.86B (+44.9%)
39.05B
est: 11.81B (+230.6%)
12.03B
11.76B – 12.18B
+1.8% YoY
12.52B
12.07B – 13.29B
+4.1% YoY
13.05B
12.93B – 13.18B
+4.3% YoY
EPS
2.63
est: 2.66 (-1.1%)
2.77
est: 2.69 (+3.1%)
2.74
est: 2.79 (-1.9%)
2.85
est: 2.88 (-1.1%)
3.10
est: 3.15 (-1.6%)
3.08
est: 3.14 (-2.0%)
3.77
est: 3.82 (-1.4%)
4.20
est: 4.30 (-2.4%)
3.51
est: 3.53 (-0.5%)
3.51
est: 3.57 (-1.7%)
3.46
est: 3.59 (-3.6%)
3.62
3.50 – 3.73
+0.9% YoY
3.75
3.48 – 4.08
+3.4% YoY
3.89
3.61 – 4.15
+3.9% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-12 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-05-11 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-05-08 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-05-07 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-05-06 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-04-30 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-04-29 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-04-28 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-04-27 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-04-24 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-04-23 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-22 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-21 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-20 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-17 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-16 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-15 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
5.64B
OE per share TTM
0.06
Owner's Yield
1.50%
Maintenance CapEx ratio
10.28%
Maint CapEx / Avg PPE
8.0%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
1.31M
Shares Outstanding
21.16B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Jiajin Lyu Executive Chairman of the Board 2M male
Xiongpeng Sun Vice President & Executive Director 2M male
Ting Zhang Vice President 1M male
Liu Yang Vice President 1M male
Min Zhang Vice President 1M male
Tang Jiacai Chief Information Officer male
Furong Lai Chief Risk Officer male
Chaoqing Zhao Chief Auditor male
Weichun Xia Company Secretary male
Xinjian Chen Executive Vice Chairman & President male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits