China Construction Bank Corporation: EPS $1.14 vs $1.14 expected; revenue $29.7B vs $29.2B
Key Facts
Q3 FY2026 results
| Metric | Actual | Estimate | Surprise | Year ago |
|---|---|---|---|---|
| EPS (USD) | 1.14 | 1.14 | — | 0.98 |
| Revenue (USD bn) | 29.68 | 29.18 | +1.7% | 46.07 |
Recent reports: actual vs estimate
| Reported | Period | EPS (USD) | Estimate | Surprise | Revenue (USD bn) | Estimate | Surprise |
|---|---|---|---|---|---|---|---|
| Oct 30, 2026 | Q3 FY2026 | 1.140 | 1.140 | — | 29.68 | 29.18 | +1.7% |
| Aug 28, 2026 | Q2 FY2026 | 0.940 | 0.914 | +2.8% | 32.79 | 31.26 | +4.9% |
| Apr 29, 2026 | Q1 FY2026 | 0.966 | 0.991 | −2.5% | 30.21 | 29.64 | +1.9% |
| Mar 27, 2026 | Q4 FY2025 | 0.850 | 0.871 | −2.4% | 26.12 | 25.39 | +2.9% |
| Oct 30, 2025 | Q3 FY2025 | 0.980 | 0.941 | +4.1% | 46.07 | 24.24 | — |
| Aug 29, 2025 | Q2 FY2025 | 0.880 | 0.877 | +0.3% | 48.91 | 25.03 | — |
| Apr 29, 2025 | Q1 FY2025 | 0.910 | 0.972 | −6.4% | 26.10 | 23.77 | +9.8% |
| Oct 30, 2024 | Q3 FY2024 | 0.980 | 0.951 | +3.0% | 26.11 | 24.69 | +5.8% |
Source: Figures from the EL7 database. Estimates are the analyst consensus carried by our data vendor (FMP), not official figures. Figures are in USD as carried for this US-traded line; the company reports in another currency.
China Construction Bank Corporation results: EPS $1.14 vs $1.14 expected; revenue $29.7B vs $29.2B. The results cover the company's Q3 FY2026. EPS came in in line with analysts' estimate; revenue above the estimate by 1.7%. Figures are in USD as carried for this US-traded line; the company reports in CNY.
Revenue was down 35.6% from $46.1 billion a year earlier (Q3 FY2025). EPS was up 16.3% from $0.98 a year earlier. On its record, EPS topped analysts' estimates in 4 of 7 earlier comparable reports.
What the results mean
Shrinking revenue indicates pressure on the income China Construction Bank Corporation generates across its diversified banking operations. The available information does not identify whether that pressure originates in lending, client services or treasury activities.
The bank serves corporate and individual clients, with deposits and loans at the core of its operations. Its income generation depends on deposit costs, lending yields and credit quality, alongside the contribution of payments, wealth management and foreign exchange services to fee income.
What to watch on the earnings call: Watch for management's explanation of the sources of revenue pressure, demand for corporate and personal loans, deposit costs and lending margins. Credit quality, loan provisions and the role of wealth management, payments and treasury activities in generating income also merit attention.
For the full analysis of China Construction Bank Corporation stock — valuation, scores and financial statements — see the stock page linked with this story.