China Banking (PHS:CBC) Margin of Safety % (DCF FCF Based): 66.15% (As of Jul. 14, 2026)

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.

PHS:CBC China Banking Corp PHS:CBC
76 GF Score
Price ₱56.55
GF Value ₱58.44
Valuation Fairly Valued
! 3 Warning Signs
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What is China Banking Margin of Safety % (DCF FCF Based)?

China Banking PHS:CBC +0.27% 76 Margin of Safety % (DCF FCF Based) is 66.15% as of Jul. 14, 2026. GuruFocus rates PHS:CBC with a GF Score™ of 76/100 and a GF Value™ of ₱58.44 (Fairly Valued). The stock has 3 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 (2026-07-14), China Banking's Predictability Rank is 3-Stars. China Banking's intrinsic value calculated from the Discounted FCF model is ₱283.19 and current share price is ₱56.55. Consequently,

China Banking's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 66.15%.

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

For the Banks - Regional subindustry, China Banking'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 Banking Margin of Safety % (DCF FCF Based) vs Banks Industry

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

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


PHS:CBC
76GF Score
China Banking Corp PHS:CBC
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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China Banking Margin of Safety % (DCF FCF Based) Calculation

China Banking'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)
=(167.04-56.55)/167.04
=66.15 %

* 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 66.15% mean?
China Banking (PHS:CBC) has a Margin of Safety % (DCF FCF Based) of 66.15% as of Jul. 14, 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 Banking.
Is China Banking's Margin of Safety % (DCF FCF Based) too high?
China Banking's current Margin of Safety % (DCF FCF Based) is 66.15%. Overall, China Banking has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does China Banking's Margin of Safety % (DCF FCF Based) compare to competitors?
China Banking's Margin of Safety % (DCF FCF Based) of 66.15% 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 Banking. China Banking's current Margin of Safety % (DCF FCF Based) is 66.15%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Banking stock overvalued right now?
Based on GuruFocus' analysis, China Banking (PHS:CBC) is currently considered Fairly Valued. The stock's GF Value™ is ₱58.44, compared to a current price of ₱56.55 — trading 3.2% below its estimated fair value. The current Margin of Safety % (DCF FCF Based) is 66.15%. China Banking's overall GF Score™ is 76/100 with 3 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 Banking (PHS:CBC), the current Margin of Safety % (DCF FCF Based) is 66.15% as of Jul. 14, 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 Banking (PHS:CBC) Overvalued in 2026?

Based on GuruFocus' analysis, China Banking stock appears to be undervalued. The current stock price of ₱56.55 is trading 3.2% below its estimated GF Value™ of ₱58.44. GuruFocus considers China Banking to be Fairly Valued.

Key valuation signals for PHS:CBC:

  • Margin of Safety % (DCF FCF Based): 66.15%
  • GF Value™: ₱58.44 vs. price of ₱56.55 (3.2% below fair value)
  • GF Score™: 76/100 with 3 warning signs

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

China Banking Business Description

Address 8745 Paseo de Roxas Corner Villar Street, P.O. 2182, 11th Floor, China Bank Building, Makati City, PHL, 1226
China Banking Corp is a commercial bank engaged in corporate and SME lending, retail loans including mortgage and auto loans, treasury and foreign exchange trading, trust and investment management, wealth management, cash management, and insurance products. The group's five business segments, namely, Institutional Banking, Consumer Banking, Retail Banking Business, Financial Markets, and Others, which include credit management, thrift banking business, operations and financial control, and other support services. The majority of the company's revenue comes from the Retail Banking Business.
76GF Score

Get the complete analysis for PHS:CBC

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

₱56.55
Price
₱58.44
GF Value