Shanghai Rural Commercial Bank Co., Ltd. Logo

Shanghai Rural Commercial Bank Co., Ltd.

601825.SS

(3.2)
Stock Price

8,02 CNY

5.14% ROA

10.64% ROE

6.03x PER

Market Cap.

73.490.632.800,00 CNY

210.17% DER

8.11% Yield

38.69% NPM

Shanghai Rural Commercial Bank Co., Ltd. Stock Analysis

Shanghai Rural Commercial Bank Co., Ltd. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Shanghai Rural Commercial Bank Co., Ltd. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.51x), the stock offers substantial upside potential at a bargain price.

2 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

4 ROE

The stock's ROE falls within an average range (11.69%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.91%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 Net Profit Growth

Throughout the last three years, this company has experienced consistent net profit growth, reflecting a robust financial performance and making it an attractive investment prospect.

7 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

8 Dividend Growth

With a history of consistent dividend increases over the last three years, the company has proven to be a reliable choice for investors seeking reliable income.

9 Dividend

The company's history of regular dividend distributions in the last three years showcases its ability to generate reliable income for shareholders.

10 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (10), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

11 DER

The stock is burdened with a heavy load of debt (135%), making it financially unstable and potentially risky for investors.

Shanghai Rural Commercial Bank Co., Ltd. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Shanghai Rural Commercial Bank Co., Ltd. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Shanghai Rural Commercial Bank Co., Ltd. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Shanghai Rural Commercial Bank Co., Ltd. Revenue
Year Revenue Growth
2006 4.565.594.734
2007 5.792.240.747 21.18%
2008 7.518.409.080 22.96%
2009 5.036.568.000 -49.28%
2010 6.457.622.000 22.01%
2011 9.029.050.000 28.48%
2012 10.875.102.000 16.98%
2013 11.187.083.000 2.79%
2014 14.143.741.000 20.9%
2015 15.213.368.000 7.03%
2016 15.529.764.000 2.04%
2017 17.504.463.000 11.28%
2018 19.950.948.000 12.26%
2019 20.402.201.000 2.21%
2020 22.031.935.000 7.4%
2021 23.979.166.000 8.12%
2022 25.573.520.000 6.23%
2023 26.339.544.000 2.91%
2023 26.245.316.000 -0.36%
2024 49.949.392.000 47.46%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Shanghai Rural Commercial Bank Co., Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
2006 0
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Shanghai Rural Commercial Bank Co., Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2006 1.475.867.992
2007 1.555.633.558 5.13%
2008 1.774.944.934 12.36%
2009 2.100.099.000 15.48%
2010 2.769.062.000 24.16%
2011 3.484.123.000 20.52%
2012 4.269.368.000 18.39%
2013 4.332.701.000 1.46%
2014 5.394.293.000 19.68%
2015 5.430.715.000 0.67%
2016 5.866.429.000 7.43%
2017 6.047.252.000 2.99%
2018 6.436.540.000 6.05%
2019 6.437.415.000 0.01%
2020 6.343.560.000 -1.48%
2021 7.221.524.000 12.16%
2022 7.798.740.000 7.4%
2023 7.157.880.000 -8.95%
2023 8.599.157.000 16.76%
2024 9.082.988.000 5.33%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Shanghai Rural Commercial Bank Co., Ltd. EBITDA
Year EBITDA Growth
2006 2.097.277.566
2007 2.832.674.935 25.96%
2008 4.018.924.233 29.52%
2009 5.544.094.000 27.51%
2010 6.450.150.000 14.05%
2011 9.804.448.000 34.21%
2012 12.556.605.000 21.92%
2013 15.169.031.000 17.22%
2014 16.841.095.000 9.93%
2015 19.894.320.000 15.35%
2016 19.944.852.000 0.25%
2017 23.680.007.000 15.77%
2018 24.393.807.000 2.93%
2019 11.214.079.000 -117.53%
2020 10.230.294.000 -9.62%
2021 12.668.869.000 19.25%
2022 36.861.454.000 65.63%
2023 16.977.668.000 -117.12%
2023 15.511.693.000 -9.45%
2024 642.996.000 -2312.41%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Shanghai Rural Commercial Bank Co., Ltd. Gross Profit
Year Gross Profit Growth
2006 4.565.594.734
2007 5.792.240.747 21.18%
2008 7.518.409.080 22.96%
2009 5.036.568.000 -49.28%
2010 6.457.622.000 22.01%
2011 9.029.050.000 28.48%
2012 10.875.102.000 16.98%
2013 11.187.083.000 2.79%
2014 14.143.741.000 20.9%
2015 15.213.368.000 7.03%
2016 15.529.764.000 2.04%
2017 17.504.463.000 11.28%
2018 19.950.948.000 12.26%
2019 20.402.201.000 2.21%
2020 22.031.935.000 7.4%
2021 23.979.166.000 8.12%
2022 25.573.520.000 6.23%
2023 26.339.544.000 2.91%
2023 26.245.316.000 -0.36%
2024 49.949.392.000 47.46%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Shanghai Rural Commercial Bank Co., Ltd. Net Profit
Year Net Profit Growth
2006 357.590.533
2007 370.571.785 3.5%
2008 740.804.719 49.98%
2009 1.971.205.000 62.42%
2010 2.219.629.000 11.19%
2011 3.187.001.000 30.35%
2012 3.724.416.000 14.43%
2013 4.215.122.000 11.64%
2014 4.848.224.000 13.06%
2015 5.633.520.000 13.94%
2016 5.902.491.000 4.56%
2017 6.769.082.000 12.8%
2018 7.308.149.000 7.38%
2019 8.845.647.000 17.38%
2020 8.160.671.000 -8.39%
2021 9.697.866.000 15.85%
2022 10.974.378.000 11.63%
2023 13.892.232.000 21%
2023 12.141.958.000 -14.42%
2024 13.675.484.000 11.21%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Shanghai Rural Commercial Bank Co., Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2006 0
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 100%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 100%
2022 1 0%
2023 1 0%
2023 1 0%
2024 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Shanghai Rural Commercial Bank Co., Ltd. Free Cashflow
Year Free Cashflow Growth
2006 7.430.961.262
2007 3.369.880.875 -120.51%
2008 5.576.063.835 39.57%
2009 3.916.769.000 -42.36%
2010 211.713.000 -1750.04%
2011 4.159.989.000 94.91%
2012 4.420.557.000 5.89%
2013 21.725.266.000 79.65%
2014 14.031.053.000 -54.84%
2015 57.479.016.000 75.59%
2016 53.484.904.000 -7.47%
2017 1.909.508.000 -2700.98%
2018 -6.004.569.000 131.8%
2019 5.879.762.000 202.12%
2020 -14.605.775.000 140.26%
2021 -1.931.959.000 -656.01%
2022 124.328.900.000 101.55%
2023 2.577.323.000 -4723.95%
2023 38.130.867.000 93.24%
2024 -12.625.478.000 402.02%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Shanghai Rural Commercial Bank Co., Ltd. Operating Cashflow
Year Operating Cashflow Growth
2006 7.832.154.268
2007 3.578.820.114 -118.85%
2008 5.992.831.616 40.28%
2009 5.880.308.000 -1.91%
2010 672.949.000 -773.81%
2011 5.306.811.000 87.32%
2012 6.483.292.000 18.15%
2013 22.735.375.000 71.48%
2014 15.758.284.000 -44.28%
2015 58.293.597.000 72.97%
2016 53.974.258.000 -8%
2017 2.323.390.000 -2223.08%
2018 -5.293.186.000 143.89%
2019 7.137.869.000 174.16%
2020 -13.840.496.000 151.57%
2021 -1.147.481.000 -1106.16%
2022 125.030.843.000 100.92%
2023 2.785.704.000 -4388.3%
2023 39.166.570.000 92.89%
2024 -12.298.346.000 418.47%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Shanghai Rural Commercial Bank Co., Ltd. Capital Expenditure
Year Capital Expenditure Growth
2006 401.193.005
2007 208.939.239 -92.01%
2008 416.767.780 49.87%
2009 1.963.539.000 78.77%
2010 461.236.000 -325.71%
2011 1.146.822.000 59.78%
2012 2.062.735.000 44.4%
2013 1.010.109.000 -104.21%
2014 1.727.231.000 41.52%
2015 814.581.000 -112.04%
2016 489.354.000 -66.46%
2017 413.882.000 -18.24%
2018 711.383.000 41.82%
2019 1.258.107.000 43.46%
2020 765.279.000 -64.4%
2021 784.478.000 2.45%
2022 701.943.000 -11.76%
2023 208.381.000 -236.86%
2023 1.035.703.000 79.88%
2024 327.132.000 -216.6%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Shanghai Rural Commercial Bank Co., Ltd. Equity
Year Equity Growth
2006 6.446.111.536
2007 11.159.485.055 42.24%
2008 11.643.112.015 4.15%
2009 13.068.881.000 10.91%
2010 23.225.810.000 43.73%
2011 25.066.345.000 7.34%
2012 29.600.068.000 15.32%
2013 32.988.616.000 10.27%
2014 38.143.511.000 13.51%
2015 43.326.477.000 11.96%
2016 47.693.665.000 9.16%
2017 53.016.904.000 10.04%
2018 64.801.605.000 18.19%
2019 74.206.115.000 12.67%
2020 80.471.896.000 7.79%
2021 97.331.437.000 17.32%
2022 105.715.647.000 7.93%
2023 113.862.254.000 7.15%
2023 116.358.495.000 2.15%
2024 122.393.896.000 4.93%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Shanghai Rural Commercial Bank Co., Ltd. Assets
Year Assets Growth
2006 136.108.749.102
2007 157.474.437.455 13.57%
2008 173.327.345.413 9.15%
2009 212.250.359.000 18.34%
2010 252.100.924.000 15.81%
2011 309.927.083.000 18.66%
2012 361.968.419.000 14.38%
2013 420.892.309.000 14%
2014 485.303.181.000 13.27%
2015 587.013.544.000 17.33%
2016 710.880.558.000 17.42%
2017 802.057.599.000 11.37%
2018 833.712.752.000 3.8%
2019 929.938.101.000 10.35%
2020 1.056.976.684.000 12.02%
2021 1.158.376.261.000 8.75%
2022 1.281.399.121.000 9.6%
2023 1.368.423.710.000 6.36%
2023 1.392.213.700.000 1.71%
2024 1.454.957.287.000 4.31%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Shanghai Rural Commercial Bank Co., Ltd. Liabilities
Year Liabilities Growth
2006 129.662.637.565
2007 146.314.952.400 11.38%
2008 161.684.233.397 9.51%
2009 199.181.478.000 18.83%
2010 228.875.114.000 12.97%
2011 284.860.738.000 19.65%
2012 332.368.351.000 14.29%
2013 387.903.693.000 14.32%
2014 447.159.670.000 13.25%
2015 543.687.067.000 17.75%
2016 663.186.893.000 18.02%
2017 749.040.695.000 11.46%
2018 768.911.147.000 2.58%
2019 79.906.048.000 -862.27%
2020 130.052.975.000 38.56%
2021 120.845.555.000 -7.62%
2022 116.753.315.000 -3.51%
2023 148.737.319.000 21.5%
2023 137.676.879.000 -8.03%
2024 1.332.563.391.000 89.67%

Shanghai Rural Commercial Bank Co., Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
3.27
Net Income per Share
1.26
Price to Earning Ratio
6.03x
Price To Sales Ratio
2.33x
POCF Ratio
2.09
PFCF Ratio
2.17
Price to Book Ratio
0.62
EV to Sales
5.73
EV Over EBITDA
16.97
EV to Operating CashFlow
5.13
EV to FreeCashFlow
5.33
Earnings Yield
0.17
FreeCashFlow Yield
0.46
Market Cap
73,49 Bil.
Enterprise Value
180,54 Bil.
Graham Number
18.68
Graham NetNet
-140.78

Income Statement Metrics

Net Income per Share
1.26
Income Quality
2.89
ROE
0.11
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.82
EBT Per Ebit
1.44
Ebit per Revenue
0.33
Effective Tax Rate
0.16

Margins

Sales, General, & Administrative to Revenue
0.27
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.33
Pretax Profit Margin
0.47
Net Profit Margin
0.39

Dividends

Dividend Yield
0.08
Dividend Yield %
8.11
Payout Ratio
0.5
Dividend Per Share
0.62

Operating Metrics

Operating Cashflow per Share
3.65
Free CashFlow per Share
3.51
Capex to Operating CashFlow
0.04
Capex to Revenue
0.04
Capex to Depreciation
1.45
Return on Invested Capital
0.02
Return on Tangible Assets
0.05
Days Sales Outstanding
405.59
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0.9
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.14

Balance Sheet

Cash per Share
-7,03
Book Value per Share
12,69
Tangible Book Value per Share
-113.61
Shareholders Equity per Share
12.28
Interest Debt per Share
28.4
Debt to Equity
2.1
Debt to Assets
0.17
Net Debt to EBITDA
10.06
Current Ratio
0.39
Tangible Asset Value
-1.095,72 Bil.
Net Current Asset Value
-1.116,07 Bil.
Invested Capital
881623680000
Working Capital
-343,43 Bil.
Intangibles to Total Assets
0.84
Average Receivables
33,10 Bil.
Average Payables
0,00 Bil.
Average Inventory
-117080124500
Debt to Market Cap
3.39

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Shanghai Rural Commercial Bank Co., Ltd. Dividends
Year Dividends Growth
2021 0
2022 0 0%
2023 0 0%
2024 1 0%

Shanghai Rural Commercial Bank Co., Ltd. Profile

About Shanghai Rural Commercial Bank Co., Ltd.

Shanghai Rural Commercial Bank Co., Ltd. provides a range of banking products and services to individual and corporate customers in China. The company offers deposits, including current, term, call, and fixed deposits, as well as certificates of deposit and agreement deposits; and housing, consumer, business, farmer, and entrusted loans. It provides credit and debit cards; wealth management services; insurance and treasure bond brokerage services; open-ended funds; settlement, financial advisory, and treasury services; electronic and telephone banking services; safe keeping boxes; and SME finance services. The company also offers supply chain, working capital, fixed assets, fixed assets support, and agriculture finance products; investment banking credit, credit line, guarantee, and non-financial institution financing products; and commercial bill acceptance and discount, forfeiting, foreign exchange, and domestic settlement services, as well as ATMs. In addition, it provides export and import financing, letter of guarantee and credit, inward and outward remittance, and documentary collection services; and engages in the gold and metal, and bank securities transfer businesses. As of December 31, 2021, the company operated 366 branches. Shanghai Rural Commercial Bank Co., Ltd. was formerly known as Shanghai Rural Credit Co-operatives Union and changed its name to Shanghai Rural Commercial Bank Co., Ltd. in August 2005. The company was incorporated in 2005 and is headquartered in Shanghai, China.

CEO
Mr. Li Xu
Employee
11.240
Address
No. 70, Zhongshan Road (East-2)
Shanghai, 200002

Shanghai Rural Commercial Bank Co., Ltd. Executives & BODs

Shanghai Rural Commercial Bank Co., Ltd. Executives & BODs
# Name Age
1 Mr. Jianzhong Gu
Vice Chairman & President
70
2 Mr. Chen Iihua
IR expert
70
3 Mr. Xianbin Gu
Vice President
70
4 Mr. Xiaogang Yao
Chief Financial Officer & Secretary of the Board of Directors
70
5 Mr. Li Xu
Executive Chairman of the Board
70
6 Mr. Hongbiao Zhang
Vice President
70
7 Mr. Dong Shen
Vice President
70

Shanghai Rural Commercial Bank Co., Ltd. Competitors