China Construction BankCICHF -1.36%38 Net Margin % is 40.90% as of Mar. 2026, which is 5% above its 10-year median of 38.82. GuruFocus rates CICHF with a GF Score™ of 38/100 and a GF Value™ of $0.87 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,527 Banks companies, China Construction Bank ranks better than 88.8% on this metric.
The historical rank and industry rank for China Construction Bank's Net Margin % or its related term are showing as below:
CICHF'
s Net Margin % Range Over the Past 10 Years
Min: 35.9 Med: 38.82 Max: 44.96
Current: 43.73
CICHF's Net Margin % is ranked better than 88.8% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs CICHF: 43.73
China Construction Bank (OTCPK:CICHF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
China Construction Bank Net Margin % Related Terms
China Construction Bank Net Margin % Historical Data
* 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.
For the Banks - Diversified subindustry, China Construction Bank's Net Margin %, along with its competitors' market caps and Net Margin % 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 Construction Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, China Construction Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where China Construction Bank's Net Margin % falls into.
* 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.
China Construction Bank (CICHF) has a Net Margin % of 40.90% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on China Construction Bank and its competitors. This is near median its historical median of 38.82. Over the past decade, China Construction Bank's Net Margin % has ranged from 35.90 to 44.96. According to the industry distribution chart, China Construction Bank ranks #171 out of 1527 companies in the Banks industry, placing it in the top 11.2%.
Is China Construction Bank's Net Margin % too high?
China Construction Bank's current Net Margin % of 40.90% is near median its 10-year median of 38.82. Over the past 10 years, this metric has ranged from a low of 35.90 to a high of 44.96. The Banks industry median Net Margin % is 26.95. China Construction Bank's value of 40.90% is 51.8% above this industry median. Based on the distribution chart, China Construction Bank ranks #171 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, China Construction Bank has a GF Score™ of 38/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does China Construction Bank's Net Margin % compare to JPM and BAC?
According to the Banks industry distribution chart, China Construction Bank ranks #171 out of 1527 companies for Net Margin %. This places China Construction Bank in the top 11% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. China Construction Bank's value of 40.90% is 51.8% above this benchmark. Historically, China Construction Bank's own Net Margin % has ranged from 35.90 to 44.96 over the past decade. While the company's 10-year median is 38.82 vs. the industry median of 26.95, China Construction Bank has consistently been above 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. China Construction Bank's current Net Margin % of 40.90% is 51.8% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on China Construction Bank and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. China Construction Bank's current Net Margin % is 40.90%, which is near median its own 10-year median of 38.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Construction Bank stock overvalued right now?
Based on GuruFocus' analysis, China Construction Bank (CICHF) is currently considered Modestly Overvalued. The stock's GF Value™ is $0.87, compared to a current price of $1.09 — trading 24.7% above its estimated fair value. The current Net Margin % is 40.90%, which is near median its 10-year median of 38.82 and 51.8% above the Banks industry median of 26.95. China Construction Bank's overall GF Score™ is 38/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For China Construction Bank (CICHF), the current Net Margin % is 40.90% as of Mar. 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 Construction Bank (CICHF) Overvalued in 2026?
Based on GuruFocus' analysis, China Construction Bank stock appears to be overvalued.
The current stock price of $1.09 is trading 24.7% above its estimated GF Value™ of $0.87.
GuruFocus considers China Construction Bank to be Modestly Overvalued.
Key valuation signals for CICHF:
Net Margin %: 40.90% (near median its 10-year median of 38.82)
GF Value™: $0.87 vs. price of $1.09 (24.7% above fair value)
Industry Position: 51.8% above the Banks median (#171 of 1527)
No single metric tells the full story. See the CICHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Construction Bank, headquartered in Beijing, is China's second-largest bank. It went public on the Hong Kong Stock Exchange in 2005 and listed shares in mainland China in 2007. Central Huijin Investment, China's sovereign wealth fund manager, is the largest shareholder with a 57% share. Fullerton Financial Holdings (a subsidiary of Temasek) is the second-largest shareholder with a 4.99% stake. CCB strives to provide customers with comprehensive financial services. The corporate banking, retail banking, and wholesale banking business segments accounted for 22%, 41%, and 34% of profit before tax, respectively, in 2025.
38GF Score
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