China Citic Bank (FRA:D7C) Margin of Safety % (DCF FCF Based): 97.95% (As of Jun. 25, 2026)


FRA:D7C China Citic Bank Corp Ltd FRA:D7C
57 GF Score
Price €0.77
GF Value €0.74
Valuation Fairly Valued
! 2 Warning Signs
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What is China Citic Bank Margin of Safety % (DCF FCF Based)?

China Citic Bank FRA:D7C -4.22% 57 Margin of Safety % (DCF FCF Based) is 97.95% as of Jun. 25, 2026. GuruFocus rates FRA:D7C with a GF Score™ of 57/100 and a GF Value™ of €0.74 (Fairly Valued). The stock has 2 warning signs investors should review.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-25), China Citic Bank's Predictability Rank is 3.5-Stars. China Citic Bank's intrinsic value calculated from the Discounted FCF model is €1.67 and current share price is €0.7664. Consequently,

China Citic Bank's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 97.95%.

China Citic Bank Margin of Safety % (DCF FCF Based) Competitor Comparison

For the Banks - Regional subindustry, China Citic Bank's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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.

China Citic Bank Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, China Citic Bank's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where China Citic Bank's Margin of Safety % (DCF FCF Based) falls into.


FRA:D7C
57GF Score
China Citic Bank Corp Ltd FRA:D7C
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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China Citic Bank Margin of Safety % (DCF FCF Based) Calculation

China Citic Bank's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(37.38-0.7664)/37.38
=97.95 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of 97.95% mean?
China Citic Bank (FRA:D7C) has a Margin of Safety % (DCF FCF Based) of 97.95% as of Jun. 25, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on China Citic Bank.
Is China Citic Bank's Margin of Safety % (DCF FCF Based) too high?
China Citic Bank's current Margin of Safety % (DCF FCF Based) is 97.95%. Overall, China Citic Bank has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does China Citic Bank's Margin of Safety % (DCF FCF Based) compare to competitors?
China Citic Bank's Margin of Safety % (DCF FCF Based) of 97.95% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on China Citic Bank. China Citic Bank's current Margin of Safety % (DCF FCF Based) is 97.95%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Citic Bank stock overvalued right now?
Based on GuruFocus' analysis, China Citic Bank (FRA:D7C) is currently considered Fairly Valued. The stock's GF Value™ is €0.74, compared to a current price of €0.77 — trading 3.6% above its estimated fair value. The current Margin of Safety % (DCF FCF Based) is 97.95%. China Citic Bank's overall GF Score™ is 57/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For China Citic Bank (FRA:D7C), the current Margin of Safety % (DCF FCF Based) is 97.95% as of Jun. 25, 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 China Citic Bank (FRA:D7C) Overvalued in 2026?

Based on GuruFocus' analysis, China Citic Bank stock appears to be overvalued. The current stock price of €0.77 is trading 3.6% above its estimated GF Value™ of €0.74. GuruFocus considers China Citic Bank to be Fairly Valued.

Key valuation signals for FRA:D7C:

  • Margin of Safety % (DCF FCF Based): 97.95%
  • GF Value™: €0.74 vs. price of €0.77 (3.6% above fair value)
  • GF Score™: 57/100 with 2 warning signs

No single metric tells the full story. See the FRA:D7C stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

China Citic Bank Business Description

Address 10 Guanghua Road, 6-30th Floor and 32-42th Floor, Building No. 1, Chaoyang District, Beijing, CHN, 100020
China Citic Bank, headquartered in Beijing, ranks as China's ninth-largest commercial lender. The bank operates a nationwide network of 1,459 branches across 153 cities, supplemented by offshore presence in Hong Kong, Macao, New York, Los Angeles, and Singapore as of mid-2024. Founded in 1987, it serves as a core subsidiary of Citic Group, a premier state-owned conglomerate.
57GF Score

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Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.77
Price
€0.74
GF Value