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Shanghai Rural Commercial Bank Co., Ltd. (601825.SS)
Shanghai, CN
Shanghai Rural Commercial Bank Co., Ltd. (SRCBC) provides a broad spectrum of banking and financial services to both retail consumers and corporate clients across China. Its comprehensive array of deposit products includes current, term, call, and fixed accounts, alongside certificates of deposit and specialized agreement deposits. The bank also furnishes diverse lending options, such as mortgages for housing, personal consumer loans, business financing, agricultural loans for farmers, and entrusted loans. Customers can access credit and debit card facilities, wealth management solutions, and brokerage services for insurance products and treasure bonds. Additionally, SRCBC offers open-ended investment funds, settlement services, financial advisory, and treasury management. Digital banking channels like electronic and telephone banking are available, as are safe deposit box facilities. For businesses, SRCBC provides specialized financing for Small and Medium-sized Enterprises (SMEs), supply chain finance, working capital loans, and both fixed asset financing and support. Its agricultural finance products cater specifically to the farming sector. Investment banking activities include various credit lines, guarantees, and funding solutions for non-financial institutions. Commercial services extend to commercial bill acceptance and discounting, forfeiting, foreign exchange transactions, and domestic settlement. Furthermore, the bank actively supports international trade through export and import financing, letters of guarantee and credit, inward and outward remittances, and documentary collection services. SRCBC is also involved in gold and metal trading, as well as the transfer of bank securities. A network of Automated Teller Machines (ATMs) complements its service offerings. As of December 31, 2021, the company maintained an extensive physical presence with 366 branches. Incorporated in 2005 and headquartered in Shanghai, China, Shanghai Rural Commercial Bank Co., Ltd. adopted its current name in August 2005, having previously operated as the Shanghai Rural Credit Co-operatives Union.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth-7.1% Q1'26: -6.2% (vs Q1'25)
-
EPS growth+0.8% Q1'26: +0.0% (vs Q1'25)
-
FCF margin— Q1'26: +389.8% (vs Q1'25)
-
EBIT margin— Q1'26: +38.8% (vs Q1'25)
-
ROIC— Q1'26: +4.0% (vs Q1'25)
-
Share dilution-0.6% Q1'26: +0.1% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 16.72× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 2 Rev. Ana. 1 EPS Ana. |
Dec 2027 2 Rev. Ana. 3 EPS Ana. |
Dec 2028 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|
| Revenue |
45.68B
est: 23.63B (+93.4%)
|
48.27B
est: 25.41B (+90.0%)
|
51.01B
est: 23.68B (+115.4%)
|
50.66B
est: 26.53B (+91.0%)
|
47.04B
est: 26.05B (+80.6%)
|
26.48B
26.23B – 26.73B
+1.6% YoY
|
27.50B
27.14B – 27.86B
+3.9% YoY
|
28.51B
28.24B – 28.77B
+3.7% YoY
|
| EBITDA |
13.02B
est: 6.94B (+87.7%)
|
14.58B
est: 7.46B (+95.5%)
|
15.86B
est: 9.08B (+74.6%)
|
15.99B
est: 10.18B (+57.2%)
|
16.03B
est: 10.00B (+60.4%)
|
10.16B
10.06B – 10.25B
+1.6% YoY
|
10.55B
10.41B – 10.69B
+3.9% YoY
|
10.94B
10.83B – 11.04B
+3.7% YoY
|
| EBIT |
12.18B
est: 6.51B (+87.1%)
|
13.67B
est: 7.00B (+95.3%)
|
14.89B
est: 8.49B (+75.4%)
|
14.97B
est: 9.51B (+57.5%)
|
14.97B
est: 9.34B (+60.3%)
|
9.49B
9.40B – 9.58B
+1.6% YoY
|
9.86B
9.73B – 9.99B
+3.9% YoY
|
10.22B
10.12B – 10.31B
+3.7% YoY
|
| Net Income |
9.70B
est: 9.55B (+1.5%)
|
10.97B
est: 11.05B (-0.7%)
|
12.14B
est: 12.19B (-0.4%)
|
12.29B
est: 12.33B (-0.3%)
|
12.31B
est: 12.38B (-0.5%)
|
12.67B
12.51B – 12.82B
+2.3% YoY
|
13.20B
12.96B – 13.57B
+4.2% YoY
|
13.88B
13.71B – 14.05B
+5.2% YoY
|
| SGA |
1.54B
est: 972.45M (+58.3%)
|
2.17B
est: 1.05B (+107.8%)
|
2.20B
est: 974.58M (+125.4%)
|
2.35B
est: 1.09B (+115.0%)
|
1.98B
est: 1.07B (+84.3%)
|
1.09B
1.08B – 1.10B
+1.6% YoY
|
1.13B
1.12B – 1.15B
+3.9% YoY
|
1.17B
1.16B – 1.18B
+3.7% YoY
|
| EPS |
1.08
est: 0.99 (+9.4%)
|
1.14
est: 1.14 (-0.2%)
|
1.26
est: 1.26 (-0.3%)
|
1.27
est: 1.27 (+0.0%)
|
1.28
est: 1.29 (-0.4%)
|
1.31
1.29 – 1.33
+1.9% YoY
|
1.36
1.34 – 1.40
+4.0% YoY
|
1.44
1.42 – 1.45
+5.4% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-04-24 | A | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-23 | A | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-22 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-21 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-20 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-17 | A | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-16 | A | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | HSBC MSCI China A UCITS ETF HMCT.L | 0.22% | 302.8K | 0.30% |
| 2 | Invesco FTSE Emerging Markets High Dividend Low Volatility UCITS ETF EMHD.L | 0.18% | 501.7K | 0.49% |
| 3 | Xtrackers Harvest CSI 300 China A-Shares ETF ASHR | 0.17% | 2.24M | 0.65% |
| 4 | Xtrackers Harvest CSI300 UCITS ETF 1D ASHR.L | 0.17% | 516.9K | 0.65% |
| 5 | iShares MSCI China A UCITS ETF CNYE.MI | 0.15% | 149.6K | 0.45% |
| 6 | iShares MSCI China A UCITS ETF CNYA.L | 0.15% | 4.54M | 0.40% |
| 7 | iShares MSCI China A ETF CNYA | 0.15% | 343.0K | 0.60% |
| 8 | Samsung KODEX China CSI300 ETF 283580.KS | 0.15% | 289.6K | 0.12% |
| 9 | Xtrackers MSCI China A UCITS ETF 1C XX2D.L | 0.14% | 197.7K | 0.35% |
| 10 | Amundi MSCI China A UCITS ETF Acc CNAA.L | 0.14% | 196.5K | 0.35% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Chen Iihua | IR expert | — | male |
| Dong Shen | Vice President | — | male |
| Hongbiao Zhang | Vice President | — | male |
| Jianzhong Gu | Vice Chairman & President | — | male |
| Li Xu | Executive Chairman of the Board | — | male |
| Nanhua Chen | Head of Accounting | — | — |
| Xianbin Gu | Vice President | — | male |
| Xiaogang Yao | Chief Financial Officer & Secretary of the Board of Directors | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for 601825.SS
Short-term intention
Target Price Distribution
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