FRA/M4B (FRA/M4B)

Frankfurt Stock Exchange: FRA/M4B · EUR

€5.97

+0.11 (+1.8%)· Recorded snapshot

Market cap	147B
Revenue (ttm)	38.8B
Net income (ttm)	18.9B
EPS (ttm)	€0.78
P/E (trailing)	7.6x
P/E (forward)	7.1x
Dividend	€0.25 (4.23%)
Volume	0

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 38.8B
Net income (ttm): 18.9B
EPS (ttm): €0.78
P/E (trailing): 7.6x
P/E (forward): 7.1x
Market cap: 147B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E7.1

P25 8.8P50 10.7P75 13.9

Trailing P/E7.6

P25 8.6P50 11.8P75 15.9

ROE11.5

P25 6.7P50 11.7P75 17.1

ROICn/a

P25 1.3P50 7.7P75 16.1

Benchmarks · 1M

All FRA/M4B indicators

Market & fundamental data

Available fields

213

Groups with data

Currency

CNY

Showing 213 of 213 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	EUR
Country	China
Country code	DE
Earnings date	2026-10-30
Employees	121,959
Employees change	374
Employees growth	0.31%
Exchange	Frankfurt Stock Exchange
Financial currency	CNY
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1987
Industry	Banks - Regional
Is primary listing	No
ISIN number	CNE1000002M1
Last earnings date	2026-08-28
Last refreshed	2026-10-28
Market cap	EUR 147B
Next earnings date	2026-10-30
Price	EUR 5.97
Price currency	EUR
Sector	Financials
SIC code	6020
Stock price date	2026-10-27
Symbol	fra/M4B
Website	https://www.cmbchina.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	8.48x
Average P/E ratio (3Y)	6.67x
Average P/E ratio (5Y)	7.32x
Earnings yield	13.08%
FCF yield	50.67%
Forward P/E	7.13x
Graham number	11.04626
Graham upside	85.09%
Industry P/E	10.43x
Lynch fair value	EUR 4.95
Lynch upside	-17.12%
P/B ratio	0.84x
P/E ratio	7.65x
P/FCF ratio	1.97x
P/OCF ratio	1.83x
P/S ratio	3.79x
Price / tangible book value	0.86x
Sector forward P/E	11.87x
Sector P/E	12.91x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	15.59%
FCF margin	183.37%
Operating margin	60%
Pretax margin	60.02%
Profit margin	50.35%
Profit per employee	EUR 154,664
Profitable quarters	98
Profitable years	27
Revenue per employee	EUR 318,329
ROA	1.15%
ROA (5Y)	1.34%
ROE	11.52%
ROE (5Y)	13.98%
Tax / revenue	9.35%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	2.35%
EPS growth (Q)	5.67%
EPS growth (QoQ)	-0%
EPS growth 10Y	9.3%
EPS growth 3Y	1.63%
EPS growth 5Y	6.73%
EPS growth quarters	5
EPS growth years	11
FCF growth	28.5%
FCF growth (Q)	356.95%
FCF growth (QoQ)	34.06%
FCF growth 3Y	4.55%
FCF growth 5Y	30.71%
Net income growth	2.1%
Net income growth (Q)	2.52%
Net income growth (QoQ)	-0.63%
Net income growth 3Y	1.71%
Net income growth 5Y	6.46%
Net income growth quarters	5
Net income growth years	16
OCF growth	31.33%
OCF growth (Q)	353.31%
OCF growth (QoQ)	42.04%
OCF growth 3Y	5.2%
OCF growth 5Y	29.09%
Revenue growth	1.71%
Revenue growth (Q)	3.33%
Revenue growth (QoQ)	6.68%
Revenue growth 10Y	7.66%
Revenue growth 3Y	0.56%
Revenue growth 5Y	4.26%
Revenue growth quarters	2
Revenue growth years	1

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	EUR -5.6B
EPS	EUR 0.78
Financing cash flow	EUR -20.1B
Free cash flow	EUR 74.5B
Gross profit	EUR 38.8B
Income taxes	EUR 3.6B
Investing cash flow	EUR -40.8B
Net borrowing	EUR -3.1B
Net cash flow	EUR 18.7B
Net income	EUR 18.9B
Operating income	EUR 23.3B
Revenue	EUR 38.8B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	EUR 5.85
Debt / equity	0.41
Debt / FCF	0.97
Goodwill	EUR 1.3B
Net cash (debt)	EUR 104.8B
Net cash / market cap	71.32%
Net cash growth	173.72%
Net debt / equity	-0.6
Net debt / FCF	-1.41
Piotroski F-Score	4
Property, plant and equipment	EUR 19.8B
Shareholders' equity	EUR 174.4B
Tangible book value	EUR 171.3B
Tangible book value per share	EUR 5.77
Total assets	EUR 1.8T
Total cash	EUR 177.1B
Total debt	EUR 72.2B
Total liabilities	EUR 1.6T

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	EUR -1.3T

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-1.27%
Dividend growth	6.51%
Dividend growth (10Y)	10.41%
Dividend growth (3Y)	4.44%
Dividend growth (5Y)	9.06%
Dividend growth years	0
Dividend payment date	2026-08-21
Dividend payment years	20
Dividend payout frequency	Semi-Annual
Dividend per share	EUR 0.25
Dividend yield	4.23%
Ex-dividend date	2026-07-02
Last dividend	EUR 0.13
Payout ratio	55.28%
Shareholder yield	2.96%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	166.91%
10Y return CAGR	14.85%
10Y total return	299.33%
150-day SMA	EUR 5.40
15Y price change	343.06%
15Y return CAGR	15.32%
15Y total return	747.84%
1D price change	1.81%
1M price change	6.88%
1M total return	6.88%
1W price change	-0.17%
1W total return	-0.17%
1Y price change	8.91%
1Y return CAGR	14.4%
1Y total return	14.39%
20-day SMA	EUR 5.88
200-day SMA	EUR 5.36
20Y price change	381.29%
20Y return CAGR	12.4%
20Y total return	935.5%
3M price change	8.95%
3M total return	8.95%
3Y price change	60.34%
3Y return CAGR	23.08%
3Y total return	86.47%
50-day SMA	EUR 5.70
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 6.09
52-week high date	2026-10-16
52-week low	EUR 4.83
52-week low date	2026-06-30
5Y price change	-19.57%
5Y return CAGR	0.44%
5Y total return	2.22%
6M price change	9.63%
6M total return	12.55%
All-time high	EUR 7.85
All-time high date	2022-02-21
All-time low	EUR 0.89
All-time low date	2008-10-27
Average true range (ATR)	EUR 0.06
Average volume	73.4
Change from 52-week high	-1.97%
Change from 52-week low	23.48%
Change from all-time high	-23.97%
Change from all-time low	571.32%
Change from open	-0.03%
Day's gap	1.88%
High price	EUR 5.97
Low price	EUR 5.97
Monthly RSI	59.29
Open price	EUR 5.97
Previous close	EUR 5.86
Price vs 150-day SMA	10.44%
Price vs 20-day SMA	1.44%
Price vs 200-day SMA	11.26%
Price vs 50-day SMA	4.76%
Relative volume	0.16
RSI	58.87
Sharpe ratio	0.56
Sharpe ratio (3Y)	0.72
Sharpe ratio (5Y)	0.11
Sortino ratio	1.1
Sortino ratio (3Y)	1.35
Sortino ratio (5Y)	0.32
Volume	0
Weekly RSI	60.89
YTD price change	3.94%
YTD total return	9.17%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	15.4B
Shares change (QoQ)	-1.45%
Shares change (YoY)	1.27%
Shares held by insiders	0.01%
Shares held by institutions	25.02%

Deeper analysis on FRA/M4B

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this FRA/M4B report

Is a complete FRA/M4B research report available?

No complete published report is available for fra/M4B (FRA/M4B) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

FRA/M4B (FRA/M4B)

Price

Financial snapshot

Fair-value bridge

Latest news · FRA/M4B

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All FRA/M4B indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on FRA/M4B

Frequently asked questions