FRA:ICK's PB Ratio is ranked better than 83.84% of 1516
companies
in the Banks industry
Industry Median: 1.08
vs FRA:ICK: 0.61
During the past 12 months, Industrial And Commercial Bank Of China's average Book Value Per Share Growth Rate was 8.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 9.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Industrial And Commercial Bank Of China was 20.30% per year. The lowest was 7.10% per year. And the median was 13.00% per year.
Back to Basics: PB Ratio
Industrial And Commercial Bank Of China (FRA:ICK) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Industrial And Commercial Bank Of China PB Ratio Related Terms
Industrial And Commercial Bank Of China PB Ratio 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.
Industrial And Commercial Bank Of China PB Ratio Chart
Industrial And Commercial Bank Of China Annual Data
For the Banks - Diversified subindustry, Industrial And Commercial Bank Of China's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
Industrial And Commercial Bank Of China PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Industrial And Commercial Bank Of China (FRA:ICK) has a PB Ratio of 0.51 as of Jun. 24, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Industrial And Commercial Bank Of China and its competitors. This is 22% below median its historical median of 0.65. Over the past decade, Industrial And Commercial Bank Of China's PB Ratio has ranged from 0.45 to 1.32. According to the industry distribution chart, Industrial And Commercial Bank Of China ranks #245 out of 1516 companies in the Banks industry, placing it in the top 16.2%.
Is Industrial And Commercial Bank Of China's PB Ratio too high?
Industrial And Commercial Bank Of China's current PB Ratio of 0.51 is 22% below median its 10-year median of 0.65. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 1.32. The Banks industry median PB Ratio is 1.08. Industrial And Commercial Bank Of China's value of 0.51 is 52.8% below this industry median. Based on the distribution chart, Industrial And Commercial Bank Of China ranks #245 out of 1516 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Industrial And Commercial Bank Of China has a GF Score™ of 38/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Industrial And Commercial Bank Of China's PB Ratio compare to JPM and BAC?
According to the Banks industry distribution chart, Industrial And Commercial Bank Of China ranks #245 out of 1516 companies for PB Ratio. This places Industrial And Commercial Bank Of China in the top 16% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.08. Industrial And Commercial Bank Of China's value of 0.51 is 52.8% below this benchmark. Historically, Industrial And Commercial Bank Of China's own PB Ratio has ranged from 0.45 to 1.32 over the past decade. While the company's 10-year median is 0.65 vs. the industry median of 1.08, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio 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 PB Ratio of 0.51 is 52.8% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Industrial And Commercial Bank Of China and its competitors. For the Banks industry, the median PB Ratio is 1.08 — 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 PB Ratio is 0.51, which is 22% below median its own 10-year median of 0.65. 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 Fairly Valued. The stock's GF Value™ is €0.70, compared to a current price of €0.75 — trading 7.5% above its estimated fair value. The current PB Ratio is 0.51, which is 22% below median its 10-year median of 0.65 and 52.8% below the Banks industry median of 1.08. Industrial And Commercial Bank Of China's overall GF Score™ is 38/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Industrial And Commercial Bank Of China (FRA:ICK), the current PB Ratio is 0.51 as of Jun. 24, 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 €0.75 is trading 7.5% above its estimated GF Value™ of €0.70.
GuruFocus considers Industrial And Commercial Bank Of China to be Fairly Valued.
Key valuation signals for FRA:ICK:
PB Ratio: 0.51 (22% below median its 10-year median of 0.65)
GF Value™: €0.70 vs. price of €0.75 (7.5% above fair value)
Industry Position: 52.8% below the Banks median (#245 of 1516)
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
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.
38GF Score
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