FRA:ICK's ROE % is ranked worse than 59.91% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs FRA:ICK: 8.89
Industrial And Commercial Bank Of China (FRA:ICK) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Industrial And Commercial Bank Of China ROE % Related Terms
Industrial And Commercial Bank Of China ROE % 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 ROE % Chart
Industrial And Commercial Bank Of China Annual Data
For the Banks - Diversified subindustry, Industrial And Commercial Bank Of China's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
* 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Industrial And Commercial Bank Of China (FRA:ICK) has a ROE % of 8.25% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Industrial And Commercial Bank Of China and its competitors. This is 27% below median its historical median of 11.34. Over the past decade, Industrial And Commercial Bank Of China's ROE % has ranged from 8.89 to 14.80. According to the industry distribution chart, Industrial And Commercial Bank Of China ranks #913 out of 1524 companies in the Banks industry, placing it in the top 59.9%.
Is Industrial And Commercial Bank Of China's ROE % too high?
Industrial And Commercial Bank Of China's current ROE % of 8.25% is 27% below median its 10-year median of 11.34. Over the past 10 years, this metric has ranged from a low of 8.89 to a high of 14.80. The Banks industry median ROE % is 10.22. Industrial And Commercial Bank Of China's value of 8.25% is 19.3% below this industry median. Based on the distribution chart, Industrial And Commercial Bank Of China ranks #913 out of 1524 companies in the Banks industry, which is below the industry midpoint. 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 ROE % compare to JPM and BAC?
According to the Banks industry distribution chart, Industrial And Commercial Bank Of China ranks #913 out of 1524 companies for ROE %. This places Industrial And Commercial Bank Of China in the lower half of its industry. The industry median ROE % is 10.22. Industrial And Commercial Bank Of China's value of 8.25% is 19.3% below this benchmark. Historically, Industrial And Commercial Bank Of China's own ROE % has ranged from 8.89 to 14.80 over the past decade. While the company's 10-year median is 11.34 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % 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 ROE % of 8.25% is 19.3% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Industrial And Commercial Bank Of China and its competitors. For the Banks industry, the median ROE % is 10.22 — 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 ROE % is 8.25%, which is 27% below median its own 10-year median of 11.34. 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 ROE % is 8.25%, which is 27% below median its 10-year median of 11.34 and 19.3% below the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Industrial And Commercial Bank Of China (FRA:ICK), the current ROE % is 8.25% 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 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:
ROE %: 8.25% (27% below median its 10-year median of 11.34)
GF Value™: €0.70 vs. price of €0.75 (7.5% above fair value)
Industry Position: 19.3% below the Banks median (#913 of 1524)
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
Get the complete analysis for FRA:ICK
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:ICK has been successfully added to your 
