China Merchants Bank Co AI Stock Analysis
China Merchants Bank Co (M4B) AI Stock Analysis
China Merchants Bank Co
(Frankfurt:M4B)
No summary available
China Merchants Bank Co (M4B) vs. iShares MSCI Germany ETF (EWG)
- Market Cap
- EUR 168.72B
- Dividend Yield
- 3.82%
- Average Volume (3M)
- 493
- Price to Earnings (P/E)
- 7.3
- Beta (1Y)
- 0.21
- Revenue Growth
- ―
- EPS Growth
- ―
- Country
- Germany
- Employees
- 121,585
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
China Merchants Bank Co Business Overview & Revenue Model
Company Description
Alongside its subsidiaries, China Merchants Bank Co., Ltd. delivers a comprehensive range of banking and financial services. Its operations are structured into Wholesale Finance, Retail Finance, and Other Business segments. Customers can access a var...
China Merchants Bank Co Earnings Call Summary
The call was broadly constructive. CMB reported steady revenue and profit growth, strong capital and return metrics, expanding wealth management and corporate banking businesses, improving AI-enabled productivity, and stable overall asset quality. These positives were tempered by weak retail loan demand, ongoing NIM and loan-pricing pressure, higher retail credit risk and provisions, moderating fee growth, and low bond-market yields. Management nevertheless expressed confidence in maintaining stable, high-quality growth and strengthening long-term growth drivers.
Q3-2026 Updates
Positive Updates
Negative Updates
Company Guidance
Management said that for next year, asset and liability management quality is more important and “the growth rate will lower down,” with loan growth “to lowering down the growth rate of the loan side” as “a new norm,” while NIM will “continue to face downward pressure”; the goal is a “narrowing down of the decrease of the NIM” and keeping its absolute amount at a “bank industry leading level,” with the “magnitude of decline” expected to be “better than year-on-year,” although “we cannot say it has already been stabilized.” Management expects customer and AUM growth to remain solid, asset quality to remain sound, and “progressive and stable performance next year,” supported by wealth management, cross-border financing and intelligent bank initiatives; current indicators included first 3 quarters net operating income of CNY 264.76 billion, up 5.37% year-on-year, net profit of CNY 116.476 billion, up 2.38%, ROAA of 1.16%, ROAE of 13.49%, NIM of 1.82%, retail AUM of CNY 18.71 trillion, up 9.52%, and an NPL ratio of 0.94%.
China Merchants Bank Co Peers Comparison
Overall Rating
HK:238877Outperform
HK:099872Outperform
HK:165863Neutral
HK:198845Neutral
HK:681844Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HK:2388 | 77Outperform | HKD 544.50B | 12.86 | 11.60% | 4.08% | -8.24% | 3.38% |
| HK:0998 | 72Outperform | HKD 565.76B | 7.30 | 9.32% | 5.47% | -0.51% | 2.52% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| HK:1658 | 63Neutral | HKD 716.20B | 7.79 | 8.73% | 4.30% | 2.50% | 1.38% |
| HK:1988 | 45Neutral | HKD 169.64B | 5.77 | 4.25% | 6.30% | -4.88% | -9.64% |
| HK:6818 | 44Neutral | HKD 210.61B | 6.83 | 5.42% | 6.86% | -3.43% | -21.29% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| DE:M4B | China Merchants Bank Co Class H | 6.15 | 0.69 | 12.69% | |
| HK:2388 | BOC Hong Kong (Holdings) | 51.50 | 13.53 | 35.62% | |
| HK:6818 | China Everbright Bank Co Class H | 2.88 | -0.44 | -13.40% | |
| HK:1988 | China Minsheng Banking Corp Class H | 3.14 | -0.82 | -20.81% | |
| HK:0998 | China CITIC Bank Corporation Class H | 8.37 | 1.16 | 16.10% | |
| HK:1658 | Postal Savings Bank of China Co., Ltd. Class H | 5.71 | 0.31 | 5.68% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.