Industrial And Commercial Bank Of China (FRA:ICK) Risk Assessment


FRA:ICK Industrial And Commercial Bank Of China Ltd FRA:ICK
40 GF Score
Price €0.74
GF Value €0.68
Valuation Fairly Valued
! 3 Warning Signs
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What is Industrial And Commercial Bank Of China Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Industrial And Commercial Bank Of China is: High Risk: High uncertainty with risk-return tradeoff.

Industrial And Commercial Bank Of China  (FRA:ICK) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Industrial And Commercial Bank Of China Risk Assessment Related Terms

FRA:ICK vs JPM, BAC, WFC: Risk Assessment Comparison

For the Banks - Diversified subindustry, Industrial And Commercial Bank Of China's Risk Assessment, along with its competitors' market caps and Risk Assessment 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 Risk Assessment vs Banks Industry

For the Banks industry and Financial Services sector, Industrial And Commercial Bank Of China's Risk Assessment distribution charts can be found below:

* The bar in red indicates where Industrial And Commercial Bank Of China's Risk Assessment falls into.


FRA:ICK
40GF Score
Industrial And Commercial Bank Of China Ltd FRA:ICK
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
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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 €0.74 is trading 8.5% above its estimated GF Value™ of €0.68. GuruFocus considers Industrial And Commercial Bank Of China to be Fairly Valued.

Key valuation signals for FRA:ICK:

  • Risk Assessment:
  • GF Value™: €0.68 vs. price of €0.74 (8.5% above fair value)
  • GF Score™: 40/100 with 3 warning signs

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.
40GF Score

Get the complete analysis for FRA:ICK

Risk Assessment is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.74
Price
€0.68
GF Value