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Industrial & Commercial Bank of China (IDCBY) Stock Price & Analysis
IDCBY Stock Chart & Stats
- Day’s Range
- $19.82 - $19.82
- 52-Week Range
- $15.37 - $20.13
- Previous Close
- $20.13
- Volume
- N/A
- Average Volume (3M)
- 25.85K
- Market Cap
- $441.70B
- Enterprise Value
- $1.63T
- Total Cash (Recent Filing)
- $3.52T
- Total Debt (Recent Filing)
- $11.86T
- Price to Earnings (P/E)
- 8.5
- Beta
- 0.05
- Next Earnings
- Mar 31, 2027 (Est.)
- EPS Estimate
- 0.84
- Last Dividend Ex-Date
- Oct 09, 2026
- Dividend Yield
- 4.80%
Bulls Say, Bears Say
Bulls Say
Strong Profitability And Cash Generation
Positive operating and free cash flow provide tangible support for reported earnings and give ICBC capacity to fund lending, dividends, and strategic investment. Although cash movements are variable, the current conversion profile indicates that profitability is generally backed by internally generated funds.
Large And Strengthening Funding Base
A very large, growing deposit base is a durable competitive advantage for a commercial bank because it supports loan expansion and provides relatively stable funding. Scale across customers and deposits can also improve transaction volumes, cross-selling opportunities, and resilience in funding markets.
Loan Growth With Improving Asset Quality
Planned loan growth above national average and GDP growth supports future interest income and client franchise expansion. At the same time, declining reported NPL ratios and management's focus on controlled credit quality suggest the bank is expanding without a broad deterioration in asset performance.
Bears Say
Materially Higher Leverage
The sharp increase in debt-to-equity makes the balance sheet more sensitive to credit losses, funding costs, and changes in financial conditions. Even with steady returns on equity, higher leverage reduces financial flexibility and can constrain the bank's ability to absorb stress or pursue additional growth.
Sustained Margin And Loan-yield Pressure
Falling loan yields and expected NIM compression can reduce the profitability of new lending and weaken earnings growth even when balances continue to expand. Maturing high-rate deposits and longer-repricing bond investments may keep asset yields under pressure, limiting the durability of margin performance.
Persistent Retail And Property Credit Risks
Ongoing stress in unsecured consumer lending, structurally affected employment segments, and property-related exposures could require elevated provisioning and management attention. These risks may weigh on future credit costs and offset some benefits from loan growth, even if overall asset quality remains manageable.
Industrial & Commercial Bank of China News
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Industrial & Commercial Bank of China Stock Smart Score
Company Description
Industrial & Commercial Bank of China
Industrial and Commercial Bank of China Limited (ICBC), alongside its affiliated entities, delivers a comprehensive suite of banking products and financial services to clients within the People's Republic of China and across international markets. Its operations are structured into three principal segments: Corporate Banking, Personal Banking, and Treasury Operations. The Corporate Banking division is dedicated to furnishing financial solutions for enterprises, governmental bodies, and other financial institutions. This encompasses offerings such as business loans, trade finance facilities, deposit accounts, corporate asset management, custodial functions, and a diverse range of corporate intermediary services. Conversely, the Personal Banking segment focuses on meeting the financial requirements of individual customers, with a portfolio that includes personal credit facilities, payment cards, savings and current accounts, as well as individual wealth management and brokerage services. The Treasury Operations segment is responsible for managing transactions within money markets, overseeing investment securities portfolios, engaging in foreign exchange dealings, and managing derivative positions. Beyond these core areas, the bank extends its offerings to include digital banking services, investment banking advisory, financial leasing, and insurance products. Founded in Beijing, the People's Republic of China, in 1984, the company maintains its headquarters there.
- Sector
- Financial
- Industry
- Banks - Diversified
- CEO
- Lin Liao
- Employees
- 409,758
- Website
- www.icbc-ltd.com
- Address
- 55 Fuxingmennei Avenue, Beijing, BE, 100140, CN
Industrial & Commercial Bank of China (IDCBY) Earnings & Revenues
IDCBY Earnings Call
Earnings Call SentimentPositive
The call was predominantly positive. ICBC reported 9.2% operating income growth, 6% net profit growth, stable NIM, expanding loans and deposits, improving overall asset quality, strong fee-based business momentum and continued investment in AI and strategic businesses. Management also expressed confidence in full-year performance and approximately 6% loan growth. The main cautions were expected NIM and loan-yield pressure, retail and inclusive finance asset-quality risks, uncertainty around future non-interest income growth, external market volatility and limited near-term dilution from the planned private placement.
View all IDCBY earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 2 | 5 |
| Technical Analysis | 3 | 2 | 5 |
| Moving Averages | 12 | 0 | 0 |
