Industrial And Commercial Bank Of China (FRA:ICK) 3-Year EPS without NRI Growth Rate: 1.40% (As of Jun. 2026) — 67% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:ICK Industrial And Commercial Bank Of China Ltd FRA:ICK
63 GF Score
Price €0.87
GF Value €0.77
Valuation Modestly Overvalued
! 8 Warning Signs
View Full Analysis

What is Industrial And Commercial Bank Of China 3-Year EPS without NRI Growth Rate?

Industrial And Commercial Bank Of China FRA:ICK +8.52% 63 3-Year EPS without NRI Growth Rate is 1.40% as of Jun. 2026, which is 67% below its 10-year median of 4.25. GuruFocus rates FRA:ICK with a GF Score™ of 63/100 and a GF Value™ of €0.77 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,402 Banks companies, Industrial And Commercial Bank Of China ranks worse than 68.4% on this metric.

Industrial And Commercial Bank Of China's EPS without NRI for the three months ended in Jun. 2026 was €0.03.

During the past 12 months, Industrial And Commercial Bank Of China's average EPS without NRI Growth Rate was 4.30% per year. During the past 3 years, the average EPS without NRI Growth Rate was 1.40% per year. During the past 5 years, the average EPS without NRI Growth Rate was 2.60% per year. During the past 10 years, the average EPS without NRI Growth Rate was 3.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.

During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Industrial And Commercial Bank Of China was 44.80% per year. The lowest was 0.00% per year. And the median was 4.25% per year.


Industrial And Commercial Bank Of China  (FRA:ICK) 3-Year EPS without NRI Growth Rate Explanation

EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.

Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.


Industrial And Commercial Bank Of China 3-Year EPS without NRI Growth Rate Related Terms


FRA:ICK vs JPM, BAC, WFC: 3-Year EPS without NRI Growth Rate Comparison

For the Banks - Diversified subindustry, Industrial And Commercial Bank Of China's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Industrial And Commercial Bank Of China 3-Year EPS without NRI Growth Rate vs Banks Industry

For the Banks industry and Financial Services sector, Industrial And Commercial Bank Of China's 3-Year EPS without NRI Growth Rate distribution charts can be found below:

* The bar in red indicates where Industrial And Commercial Bank Of China's 3-Year EPS without NRI Growth Rate falls into.


FRA:ICK
63GF Score
Industrial And Commercial Bank Of China Ltd FRA:ICK
3-Year EPS without NRI Growth Rate is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Industrial And Commercial Bank Of China 3-Year EPS without NRI Growth Rate Calculation

This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.

What does a 3-Year EPS without NRI Growth Rate of 1.40% mean?
Industrial And Commercial Bank Of China (FRA:ICK) has a 3-Year EPS without NRI Growth Rate of 1.40% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Industrial And Commercial Bank Of China and its competitors. This is 67% below median its historical median of 4.25. According to the industry distribution chart, Industrial And Commercial Bank Of China ranks #959 out of 1402 companies in the Banks industry, placing it in the top 68.4%.
Is Industrial And Commercial Bank Of China's 3-Year EPS without NRI Growth Rate too high?
Industrial And Commercial Bank Of China's current 3-Year EPS without NRI Growth Rate of 1.40% is 67% below median its 10-year median of 4.25. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.60. Industrial And Commercial Bank Of China's value of 1.40% is 81.6% below this industry median. Based on the distribution chart, Industrial And Commercial Bank Of China ranks #959 out of 1402 companies in the Banks industry, which is below the industry midpoint. Overall, Industrial And Commercial Bank Of China has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Industrial And Commercial Bank Of China's 3-Year EPS without NRI Growth Rate compare to JPM and BAC?
According to the Banks industry distribution chart, Industrial And Commercial Bank Of China ranks #959 out of 1402 companies for 3-Year EPS without NRI Growth Rate. This places Industrial And Commercial Bank Of China in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.60. Industrial And Commercial Bank Of China's value of 1.40% is 81.6% below this benchmark. While the company's 10-year median is 4.25 vs. the industry median of 7.60, Industrial And Commercial Bank Of China has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.60, based on 1,402 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Industrial And Commercial Bank Of China's current 3-Year EPS without NRI Growth Rate of 1.40% is 81.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Industrial And Commercial Bank Of China and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Industrial And Commercial Bank Of China's current 3-Year EPS without NRI Growth Rate is 1.40%, which is 67% below median its own 10-year median of 4.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Industrial And Commercial Bank Of China stock overvalued right now?
Based on GuruFocus' analysis, Industrial And Commercial Bank Of China (FRA:ICK) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.77, compared to a current price of €0.87 — trading 12.8% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 1.40%, which is 67% below median its 10-year median of 4.25 and 81.6% below the Banks industry median of 7.60. Industrial And Commercial Bank Of China's overall GF Score™ is 63/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Industrial And Commercial Bank Of China (FRA:ICK), the current 3-Year EPS without NRI Growth Rate is 1.40% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Industrial And Commercial Bank Of China (FRA:ICK) Overvalued in 2026?

Based on GuruFocus' analysis, Industrial And Commercial Bank Of China stock appears to be overvalued. The current stock price of €0.87 is trading 12.8% above its estimated GF Value™ of €0.77. GuruFocus considers Industrial And Commercial Bank Of China to be Modestly Overvalued.

Key valuation signals for FRA:ICK:

  • 3-Year EPS without NRI Growth Rate: 1.40% (67% below median its 10-year median of 4.25)
  • GF Value™: €0.77 vs. price of €0.87 (12.8% above fair value)
  • GF Score™: 63/100 with 8 warning signs
  • Industry Position: 81.6% below the Banks median (#959 of 1402)

No single metric tells the full story. See the FRA:ICK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Industrial And Commercial Bank Of China Business Description

Address No. 55 Fuxingmennei Avenue, Xicheng District, Beijing, CHN, 100140
Industrial and Commercial Bank of China was founded in 1984 and is headquartered in Beijing. The bank listed its shares in mainland China and Hong Kong in 2006. It is China's largest by asset scale and by share of lending and deposits. Central Huijin Investment (China's sovereign wealth fund manager) and China's Ministry of Finance are ICBC's two largest shareholders, each with a stake of around 35%. ICBC operates over 15,000 outlets. Of these, 413 outlets are in 49 countries and regions overseas. Corporate banking, retail banking, and wholesale banking accounted for 49%, 39%, and 11% of total revenue, respectively, and 49%, 33%, and 17% of profit before tax in 2025. Overseas banking and other business contributed 14% of total revenue and 9% of profit before tax in 2025.
63GF Score

Get the complete analysis for FRA:ICK

3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.87
Price
€0.77
GF Value