China Construction Bank Corporation

CICHY

Banks - Diversified · Financial Services

Price

$24.19

+1.07 (+4.63%)

Market Cap

$421.87B

Exchange

Other OTC

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 31, 2026 · filings through Jun 30, 2026

How the score breaks down

Growth

Good

Valuation

Strong

Dividends

Mixed

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Share count falling — buybacks

−25.0% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 16.67B (2021) → 12.50B (2025)

Winston Score History

The full picture

China Construction Bank (CCB) is one of the four largest state-owned banks in China. It offers savings accounts, loans, mortgages, credit cards, and investment services to hundreds of millions of individual and business customers. It is the second-largest bank in the world by total assets.

CCB makes money primarily from the interest it earns on loans minus the interest it pays on deposits, along with fees from wealth management and other financial services. It operates mainly in mainland China with a smaller international presence. Its massive customer base and government backing give it a strong competitive position domestically. Key risks include slowing economic growth in China, stress in the property lending market, and potential increases in bad loans tied to local government debt.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+155.7% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+38.7% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

¥0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

60.6%ownership

Insiders own a meaningful stake in the company

Cash Position

Cash flow positive

¥46.7T cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

China Construction Bank Corporation grew revenue 156% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+95.9%

Fast-growing sales (+95.9% YoY)

Profit growth

EPS YoY

+38.5%

Earnings growing fast (+38.5% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

8.4x

Attractive valuation — P/E 8.4

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

+2.2

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend

Dividend Yield

2.48%

Moderate income — 2.48% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record

Dividend Growth

-47.8%

Dividend cut (-47.8% YoY) — warning sign

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