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JD.com Inc. (89618) Fair Value & Analysis

Consumer Discretionary · HK · Market cap 356B CNY (≈ $53.2B) · ISIN KYG8208B1014

What is JD.com Inc. really worth?

JC JD.com Inc. 89618 · HK
Price¥95.00
Fair Value¥73.98
Upside−22.1%
Quality59/100

A solid business, but trading 28% above our fair value of ¥73.98.

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Strengths

Low debt · generates free cash flow

Risks

!Expensive Growth (revenue 5y +11.3 %/yr)
!Thin margins · 1.1% net margin
!Mixed vs. peers (6/12)
!Narrow moat 20/100
!Evidence only medium, so the estimate is less certain
!Weak on future: 25 out of 100
!Weak on past: 24 out of 100

For context

·3.61% dividend yield
Evidence: Medium Range ¥54.26 – ¥92.47

Fair value as of: Aug 19, 2026

From 25 valuation models · updated 16 days ago

Fair value updated Aug 19, 2026, revised from ¥92.66 to ¥73.98 (−20.2%) since Aug 13, 2026. Share price −15.0% over the past month.

What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

What matters now

  • The price sits above even our optimistic bull case (¥92.47). The favourable scenario is already priced in.
  • Solid but not exceptional quality (59/100) and above fair value, neither a clear bargain nor a standout compounder.

Price vs Fair Value (3 years)

¥157.86 ¥69.22 Fair Value ¥73.98 Jun 2023 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 19, 2026.

How to read this chart

39‑month range ¥69.22 – ¥157.86 · fair‑value band ¥54.26 – ¥92.47 · the ¥95.00 price screens above the ¥73.98 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 19, 2026.

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Analysis

JD.com Inc. (89618) currently trades at ¥95.00, while our model-based Fair Value estimate is ¥73.98, implying the stock looks roughly 28.4% overvalued today. The Quality Score stands at 59/100 (solid quality), in the Consumer Discretionary sector. Bull case: the Growth Earnings group reads highest at a median of ¥158.41 per share, and 8 of the 25 models we run sit above the ¥95.00 price. Bear case: the Economic Profit group reads lowest at ¥28.91, and 17 of the 25 models stay below the price. Evidence for this calculation is medium.

Over the trailing twelve months, JD.com Inc. generated revenue of 1.3T CNY at a net margin of 1.1%. Revenue grew 4.9% year over year. It earns a return on equity of 6.0%. The balance sheet holds a net cash position of 42.5B CNY. Fundamentals as of Aug 19, 2026

Our scenario range runs from ¥54.26 (bear case) to ¥92.47 (bull case); at ¥95.00, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 25% below its 52-week high and 15% above its 52-week low, currently below its 200-day average. For context, the median of 10 Consumer Discretionary peers we cover trades at −50% fair-value upside, at −22%, 89618 screens cheaper than that median.

Fair Value models

This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly ¥2.25 per share, which is 3.0 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.

Model Bear Bear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull Bull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
FCF DCF best evidence ¥46.18 ¥60.20 ¥106.07 79
Growth DCF ¥44.86 ¥65.04 ¥107.57 77
Residual Income ¥51.75 ¥56.35 ¥74.26 76
All 25 models by family
DCF Models
FCF DCF best evidence ¥46.18 ¥60.20 ¥106.07 79
Owner Earnings ¥88.47 ¥176.04 ¥368.11 71
5Y Revenue Exit ¥36.23 ¥44.94 ¥62.55 73
5Y EBITDA Exit ¥53.33 ¥80.40 ¥132.25 74
5Y P/E Exit ¥92.66 ¥189.96 ¥322.44 68
10Y Revenue Exit ¥38.64 ¥53.43 ¥64.60 68
10Y EBITDA Exit ¥51.65 ¥89.47 ¥161.53 66
10Y P/E Exit ¥80.63 ¥172.31 ¥339.98 60
Earnings-Based
Graham-Dodd ¥34.70 ¥241.96 ¥339.56 63
Lynch FV ¥83.11 ¥118.73 ¥154.35 61
PEG = 1.0 ¥83.11 ¥118.73 ¥154.35 57
EPV ¥28.07 ¥28.91 ¥29.66 74
Dividend Discount
Gordon GGM ¥26.64 ¥58.16 ¥97.85 65
DDM Multi-Stage ¥26.64 ¥47.64 ¥60.61 66
Multiples
P/E Multiple ¥84.19 ¥112.25 ¥140.31 63
P/S Multiple ¥65.05 ¥86.74 ¥108.42 58
P/B Multiple ¥65.05 ¥86.74 ¥108.42 55
EV/EBIT ¥36.22 ¥40.53 ¥44.85 66
EV/EBITDA ¥55.31 ¥65.99 ¥76.67 67
EV/Revenue ¥32.00 ¥35.74 ¥39.48 54
Asset-Based
NCAV (Graham) ¥30.04 ¥40.25 ¥60.07 54
Growth DCF
Growth DCF ¥44.86 ¥65.04 ¥107.57 77
Economic Profit
Residual Income ¥51.75 ¥56.35 ¥74.26 76
ROIC Compounder ¥28.07 ¥28.91 ¥29.66 72
Growth Earnings
Growth-Adj P/E ¥110.88 ¥158.41 ¥205.93 67

Widest divergence: Growth Earnings (¥158.41) versus Economic Profit (¥28.91). Highest evidence: FCF DCF (79).

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Key figures & financial health

P/S ratio 0.27 TTM
EPS (TTM) ¥6.73
Dividend yield 3.6% payout 50.9%
Net margin 1.5% FY2025
Return on equity 6.0% TTM
Return on assets (EBIT) 2.9% avg 5y
More key figures
Profitability
Operating margin 1.2% TTM
Growth
Revenue (TTM) 1.3T CNY TTM
Revenue growth (YoY) +4.9% 3y avg +6.8%
EPS growth (YoY) −50.7%
Balance sheet & cash flow
Free cash flow 4.8B CNY FY2025
Net cash 42.5B CNY FY2025

Figures from reported company fundamentals · as of Aug 19, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 59/100

Of which business quality 57 · Market factors (momentum, volatility) 48

Profitability 48
Margins and returns on capital today
Quality Growth 61
Are margins and returns improving?
Cashflow 17
Earnings quality: real cash, not paper profit
Fin. Strength 58
Balance sheet, leverage, solvency risk
Investment 88
Disciplined investing over empire-building
Low Volatility 78
Calm price path (market factor)
Momentum 43
Price trend over the last 3–12 months (market factor)
52W Momentum 23
Distance to the 52-week high (market factor)
Net Issuance 100
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.

About the company

JD.com, Inc. operates as a supply chain-based technology and service provider in the People's Republic of China and Europe. It operates through three segments: JD Retail, JD Logistics, and New Businesses.

Full company description

JD.com, Inc. operates as a supply chain-based technology and service provider in the People's Republic of China and Europe. It operates through three segments: JD Retail, JD Logistics, and New Businesses. The company provides home appliances; mobile handsets and other digital products; computers, including desktop, laptop, and other various products, as well as printers and other office equipment; furniture and household goods; apparel; cosmetics and other personal care items; and pet products. It offers women's shoes, bags, watches, jewelry, and luxury goods; men's shoes, sports gear, and fitness equipment; automobiles and accessories; maternal and childcare products; toys and musical instruments; food, beverages, and fresh produce; gifts, flowers, and plants; and pharmaceutical and healthcare products, such as OCT pharmaceutical products, nutritional supplements, healthcare services, and other healthcare equipment. In addition, the company provides books, e-books, music, movies, and other media products; virtual goods consisting of online travel agency, attraction tickets, and prepaid phone cards and game cards; industrial products; and installation and maintenance services. Further, it offers online marketplace services for third-party merchants; marketing services; and omni-channel solutions to customers and offline retailers, as well as online healthcare services. Additionally, the company develops, owns, and manages its logistics facilities and other real estate properties to support third parties; and offers asset management services and integrated service platform; leasing of storage facilities and related management services, as well as engages in online retail business; technology-driven supply chain solutions; and logistics services. The company was formerly known as 360buy Jingdong Inc. and changed its name to JD.com, Inc. in January 2014. JD.com, Inc. was incorporated in 2006 and is headquartered in Beijing, the People's Republic of China.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

JD.com Inc. reported revenue of 1.3T CNY in FY2025 versus 952B CNY in FY2021, a compound +7.6%/yr. Reported net income was 19.1B CNY in FY2025.

Growth Quality 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Latest Revenue (FY 2025)
1.3T CNY
Latest YoY
+10.0%
Avg. revenue growth/yr (3Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+6.8%
Avg. revenue growth/yr (5Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+11.3%
Avg. revenue growth/yr (14Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+34.0%
Value creation/yr (5Y) Earnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year.
−4.9% (−8.5 + 3.6)
Revenue +7.6%/yr
FY21 952B CNY
FY22 1.0T CNY
FY23 1.1T CNY
FY24 1.2T CNY
FY25 1.3T CNY
Net income
FY21 −3.6B CNY
FY22 10.4B CNY
FY23 24.2B CNY
FY24 41.4B CNY
FY25 19.1B CNY

89618 screens 28% overvalued. Compare with Amazon.com, Inc →

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Cite: Fair Value Calculator (2026). "JD.com Inc. Fair Value". https://www.fairvalue-calculator.com/stock/89618

Peer Group

Internet Retail · 103 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 59 · Above median
Fair Value upside +72% · Top 25%
Return on equity (TTM) 6% · Above median
Return on assets 0% · Below median
Net margin (TTM) 1% · Below median
Operating margin (TTM) 1% · Below median
Revenue growth 5% · Below median
Dividend yield (TTM) 3.6% · Above median
Debt / equity 0.28× · Higher than median

Valuation Multiples vs Internet Retail median · lower = cheaper

P/B 0.24× · Cheaper than 75% of peers
P/S (TTM) 0.04× · Cheaper than 75% of peers
P/FCF 11.1× · Pricier than median

Strength profile in five axes (Snowflake)

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE100 · sector 23
FUTURE25 · sector 52
PAST24 · sector 12
HEALTH86 · sector 94
DIVIDEND72 · sector 38

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Internet Retail stocks, each showing price versus our Fair Value estimate (as of Aug 19, 2026).

Stock Price Fair Value vs Fair Value
Amazon.com, Inc AMZN $256.26 $127.67 −50%
Alibaba Group 89988 HK$97.45 HK$48.38 −50%
PDD Holdings PDD $85.69 $225.48 +163%
MercadoLibre, Inc MELI $1,966 $798.98 −59%
DoorDash, Inc DASH $222.00 $38.64 −83%
Sea Limited SE $118.32 $52.70 −55%
eBay Inc EBAY $105.62 $60.13 −43%
JD.com, Inc JD €24.20 €31.73 +31%
Coupang, Inc CPNG $16.32 $2.79 −83%
Delivery Hero SE DHER €37.05 €12.71 −66%

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Frequently asked questions

Is JD.com Inc. (89618) overvalued or undervalued?
As of Aug 19, 2026, our model estimates a fair value of ¥73.98 versus a price of ¥95.00, about −22% upside (overvalued).
What is the fair value of 89618?
Our model-based fair value for JD.com Inc. is ¥73.98 (as of Aug 19, 2026), built from audited fundamentals. The current price: ¥95.00.
What is the quality score of 89618?
JD.com Inc. has a Quality Score of 59/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of JD.com Inc. (89618)?
JD.com Inc. reported trailing-twelve-month revenue of about 1.3T CNY (latest available figure, as of Aug 19, 2026).
What is the net profit margin of 89618?
The net profit margin of JD.com Inc. is about 1.1%, meaning it keeps roughly 1.1% of revenue as net income. Based on the latest reported figures.
Does JD.com Inc. pay a dividend?
JD.com Inc. currently shows a dividend yield of about 3.61% relative to its recent price (as of Aug 19, 2026).
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