China Everbright Bank reports profit drop. Analysts target China Everbright Bank stock at CNY 3.41

Published on 10/15/2026 at 09:45 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

China Everbright Bank's first-half net profit fell 23.86 percent year over year. Eight analysts set a CNY 3.41 average target for China Everbright Bank stock.

Profit and credit profile

China Everbright Bank published six-month results on September 30, 2026, with net profit down 23.86 percent.
The bank's non-performing loan ratio reached 1.44 percent at June 30, 2026.
China Everbright Bank stock was last at CNY 3.07 on Shanghai on October 15, 2026 at 3:00 p.m. CST.

China Everbright Bank, CNE100000SL4, Illustration mit AI erstellt.

China Everbright Bank (ISIN CNE100000SL4) was last quoted at CNY 3.07 on Shanghai on October 15, 2026 at 3:00 p.m. CST. The bank's interim report showed a 23.86 percent year-over-year decline in net profit for the six months ended June 30, 2026, according to Futubull on September 30, 2026.

Profit pressure meets higher provisions

Operating income fell 4.31 percent year over year to CNY 63.108 billion in the first half of 2026, while net interest income rose 3.17 percent to CNY 46.871 billion. Basic earnings per share declined to CNY 0.28 from CNY 0.38 in the same period, according to Futubull.

The credit picture adds a second pressure point. The non-performing loan ratio was 1.44 percent at June 30, 2026, up 0.17 percentage points from the start of the year, while asset impairment losses increased 31.25 percent to CNY 20.886 billion.

Three dated signals for the bank

On February 11, 2026, China Everbright Bank fully redeemed preferred shares worth CNY 35.148 billion, according to Futubull. On June 30, 2026, shareholders' equity stood at CNY 615.109 billion. On September 30, 2026, the bank reported first-half net profit of CNY 18.838 billion, down 23.86 percent year over year.

What does the credit view mean?

S&P Global Ratings affirmed China Everbright Bank's BBB+ stable rating on September 16, 2026 and revised its stand-alone credit profile to bbb- from bb+. The agency projected a risk-adjusted capital ratio of 7.5 percent to 8.0 percent over the next two years, versus 7.9 percent at the end of 2025. Separately, MarketScreener listed an average target of CNY 3.41 from eight analysts.

When will results return?

The next dated events are China Everbright Bank's third-quarter 2026 results on November 4, 2026 and its fiscal-year 2026 results on March 19, 2027, according to Barrons.

Shanghai quote and balance sheet

China Everbright Bank's CNY 3.07 Shanghai quote on October 15, 2026 came alongside a market capitalization of CNY 181.4 billion and a 52-week range of CNY 2.87 to CNY 3.72. The combination of falling earnings and a higher non-performing loan ratio leaves asset quality and capital generation as the key figures for the next report.