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Industrial and Commercial Bank of China

Company price
20.26 USD 0.10 ( 0.52%)
Last update at 2026-11-06T20:57:00Z
VOLUME
7647
Market Cap
445602.66M
P/E
6.49

Momentum Score

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Industrial and Commercial Bank of China Limited, together with its subsidiaries, provides banking products and services in the People's Republic of China and internationally. It operates through Corporate Banking, Personal Banking, and Treasury Operations segments. The Corporate Banking segment offers corporate loans, trade financing, deposit-taking activities, corporate wealth management services, custody services, and various types of corporate intermediary services, as well as corporate loans to corporations, government agencies, and financial institutions. Its Personal Banking segment provides personal loans, deposit-taking activities, card business, personal wealth management services, and various types of personal intermediary services to individual customers. The Treasury Operations segment engages in money market transactions, investment securities, and foreign exchange transaction activities. In addition, the company is involved in the fund raising, fund sales, asset management, and other businesses; financial leasing; insurance businesses, such as life, health, and accident insurance, as well as reinsurance; debt-for-equity swaps; and issuance of wealth management products, wealth management advisory, and consulting services. Industrial and Commercial Bank of China Limited was founded in 1984 and is headquartered in Beijing, the People's Republic of China.

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Day Price Range
20.13
Low
20.30
High
52 Week Price Range
13.21
Low
19.99
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Industrial and Commercial Bank of China (ICBC) is a state-owned commercial bank providing corporate and retail banking, deposits, lending, treasury and wealth-management services domestically and abroad. Long-term growth may be supported by China’s economic development, ICBC’s scale and deposit franchise, fee-income diversification and digitalization, and the bank appears positioned to benefit from cross-border trade.
Principal risks include asset-quality pressure from China's property sector and economic slowdown, regulatory and political intervention related to state ownership, margin compression and geopolitical or foreign-market restrictions that could affect international operations and ADR liquidity.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
20.16
Dividend Yield
4.59%
Revenue TTM
682491.97M
Revenue Per Share
38.30
Gross Profit TTM
682491.97M
Debt / Equity
2.58
ROE
8.91%
Net Debt
6602339.06M
ROCE
0.82%
Diluted EPS TTM
2.95

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 408227.31M 421827.00M 421966.00M 422565.00M 424899.00M
Minority interest -2204.00M -1083.00M -1123.00M -555.00M -1878.00M
Net income 358520.51M 365863.00M 363993.00M 360483.00M 348338.00M
Selling general administrative 145736.20M 116182.00M 94859.00M 229615.00M 225945.00M
Selling and marketing expenses - - 132407.00M - -
Gross profit 833496.00M 817284.00M 838048.00M 913562.00M 939893.00M
Reconciled depreciation 34485.00M 34538.00M 20424.00M - -
Ebit 408227.31M 421827.00M 416944.00M 1008144.00M -
Ebitda 429598.74M 456365.00M 451718.00M 1008699.00M 423021.00M
Depreciation and amortization 21371.43M 34538.00M 34774.00M 555.00M -
Operating income 412871.24M 488559.00M 415738.00M 1008144.00M 423021.00M
Other operating expenses 1080571.21M 171828.00M 838048.00M 315192.00M 316575.00M
Interest expense 677723.23M 790543.00M 750026.00M 586689.00M 471538.00M
Tax provision 53669.00M 54881.00M 56850.00M 61527.00M 74683.00M
Interest income 1331831.00M 1427948.00M 1405039.00M 1280376.00M 1162218.00M
Net interest income 635126.00M 637405.00M 655013.00M 693687.00M 690680.00M
Income tax expense 52206.79M 54881.00M 56850.00M 61527.00M 74683.00M
Total revenue 1488798.52M 660387.00M 838048.00M 913562.00M 939893.00M
Total operating expenses 409061.00M 395457.00M 838048.00M 315192.00M 316575.00M
Cost of revenue 696705.00M 790543.00M -934948.00M - -
Total other income expense net -4643.93M -66732.00M 6228.00M -585579.00M 1878.00M
Net income from continuing ops 370766.00M 366946.00M 365116.00M 361038.00M 350216.00M
Net income applicable to common shares - - - 360483.00M 338731.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 53511765.73M 48821746.00M 44697079.00M 39609657.00M 35171383.00M
Intangible assets - 13960.00M 14438.00M - -
Other current assets - - 7047789.00M 23543816.00M 2800353.00M
Total liab 49506927.70M 44834480.00M 41140208.00M 1426616.00M 1280715.00M
Total stockholder equity 3977055.38M 3969841.00M 3556871.00M 3495171.00M 3257755.00M
Deferred long term liab - - - - 5592.00M
Other current liab 42125997.00M 17088640.00M 14139198.00M 102074.00M 410034.00M
Common stock 356633.55M 356407.00M 356407.00M 356407.00M 356407.00M
Capital stock 471334.00M 491021.00M 491021.00M 491021.00M 356407.00M
Retained earnings 2181537.80M 3093267.00M 1912067.00M 1767537.00M 1620642.00M
Other liab - - - 789975.00M 461925.00M
Good will 18873.99M 19165.00M 8967.00M - -
Other assets - -3558277.00M -10819556.00M 26071704.00M 21295952.00M
Cash 3675184.62M 4751029.00M 5298435.00M 4743685.00M 4191550.00M
Total current liabilities 3994589.52M 17136494.00M 19217875.00M 34254122.00M 30602031.00M
Net debt 6602339.06M -2710506.00M 902915.00M -3317069.00M -2910835.00M
Short term debt 3994589.52M 383210.80M 5078677.00M - -
Short long term debt total 10277523.68M 2040523.00M 6201350.00M 1426616.00M 1280715.00M
Other stockholder equity - 1316309.00M 148425.00M 1236613.00M 1280706.00M
Property plant equipment - - - 291911.00M 319861.00M
Total current assets 4947352.75M 4751029.00M 7047789.00M 4743685.00M 4191550.00M
Long term investments 17116142.00M 14449294.00M 9758923.00M 8502357.00M 9395682.00M
Net tangible assets - - - 3360557.00M 3093314.00M
Short term investments 1060827.88M - -3675920.00M - -
Net receivables 211340.25M - - - 17959.00M
Inventory - - - 3405.00M 3946.00M
Accounts payable - - - 32910844.00M 28800542.00M
Accumulated other comprehensive income 1323883.98M 385553.00M 985657.00M - -
Non currrent assets other 402489.68M 20396298.00M 37070547.00M -8794268.00M -9683881.00M
Non current assets total 48564412.98M 47628994.00M 37649290.00M 8794268.00M 9683881.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -2392544.00M -1471468.00M -891852.00M -910621.00M -942593.00M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities -2417582.00M -1471468.00M -891852.00M -910621.00M -674556.00M
Net borrowings 179021.00M 628906.00M 465619.00M 85289.00M -1182.00M
Total cash from financing activities 35005.00M 1288436.00M 3819528.00M -64789.00M -11553.00M
Change to operating activities - - - 1132086.00M 85792.00M
Net income 370766.00M 366946.00M 363993.00M 361038.00M 350216.00M
Change in cash -521394.00M -465328.00M 828881.00M 490094.00M -354365.00M
Begin period cash flow 2290404.00M 2755732.00M 1926851.00M 1436757.00M 1791122.00M
End period cash flow 1769010.00M 2290404.00M 2755732.00M 1926851.00M 1436757.00M
Total cash from operating activities 1890530.00M -293559.00M 530390.00M 1404657.00M 360882.00M
Depreciation 34485.00M 34538.00M 34774.00M 34040.00M 29921.00M
Other cashflows from investing activities 264325.74M 104721.00M 343868.00M 326066.00M 282407.00M
Dividends paid 140067.96M 124166.00M 123133.00M -145093.00M -131196.00M
Change to account receivables - -2035485.00M -3098980.00M - -
Sale purchase of stock -20254.70M -80000.00M - - -
Other cashflows from financing activities -68323.02M 863696.00M 3477042.00M 950877.00M 956266.00M
Change to netincome - - - -121952.00M -104567.00M
Capital expenditures 47644.56M 43297.00M 31201.00M 13713.00M 21862.00M
Change in working capital -26512.44M 416594.00M 23917.00M 1132086.00M 85792.00M
Other non cash items 1511791.44M -1111637.00M 107706.00M -88467.00M -75126.00M
Free cash flow 409028.86M 462550.00M 499189.00M 1390944.00M 339020.00M

Peer Comparison*

Sector: Financial Services Industry: Banks - Diversified

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
IDCBY
Industrial and Commercial Bank of China
0.10
0.52%
20.26 6.49 6.00 0.65 0.55 5.72
JPM
JPMorgan Chase & Co
-2.85
0.84%
334.49 15.10 14.01 5.03 2.63 5.76
IDCBF
Industrial and Commercial Bank of China
-
-%
1.00 6.53 6.02 0.67 0.56 5.72
ACGBY
Agricultural Bank of China PK
0.12
0.55%
21.89 6.92 6.73 0.67 0.60 6.34
BAC
Bank of America Corp
-0.26
0.52%
49.50 13.44 12.15 3.49 1.38 6.81

Profile*

Industrial and Commercial Bank of China

Industrial and Commercial Bank of China Limited, together with its subsidiaries, provides banking products and services in the People's Republic of China and internationally. It operates through Corporate Banking, Personal Banking, and Treasury Operations segments. The Corporate Banking segment offers corporate loans, trade financing, deposit-taking activities, corporate wealth management services, custody services, and various types of corporate intermediary services, as well as corporate loans to corporations, government agencies, and financial institutions. Its Personal Banking segment provides personal loans, deposit-taking activities, card business, personal wealth management services, and various types of personal intermediary services to individual customers. The Treasury Operations segment engages in money market transactions, investment securities, and foreign exchange transaction activities. In addition, the company is involved in the fund raising, fund sales, asset management, and other businesses; financial leasing; insurance businesses, such as life, health, and accident insurance, as well as reinsurance; debt-for-equity swaps; and issuance of wealth management products, wealth management advisory, and consulting services. Industrial and Commercial Bank of China Limited was founded in 1984 and is headquartered in Beijing, the People's Republic of China.

No.55 Fuxingmennei Avenue, Beijing, China, 100140

86 10 6610 6114

402548

Name Title Year Born
Mr. Siqing Chen Exec. Chairman 1960
Mr. Lin Liao Exec. Vice Chairman & Pres 1966
Mr. Wenwu Zhang Sr. Exec. VP 1973
Mr. Jingwu Wang Sr. Exec. VP, Chief Risk Officer & Exec. Director 1966
Ms. Yan Xiong Chief Bus. Officer 1964
Mr. Jianhua Song Chief Bus. Officer 1965
Mr. Weiwu Zhang Sr. Exec. VP 1975
Mr. Guoyu Zheng Sr. Exec. VP & Exec. Director 1967
Dr. Xueqing Guan Board Sec. & Company Sec. 1963
Mr. Bresson Xu Corp. Strategy & Investor Relations NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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