CompanyGraph
Jiangsu Jiangyin Rural Commercial Bank Co. Ltd.
002807 · SZSE · China
jybank.com.cnFinancials as of FY2025
At a glance
- Depends onUpstream position: supplies 5 industries, depends on 0
- ScaleMarket cap is $1.6B, above the global median of $1.15B
- FinancialsLow earnings quality
- Interpretations1 currently firing — 1
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Sign inWhat the company actually pays, and whether its own cash supports it.
Dividends view
Yield
3.02%Below 5Y avg (4.68%)
Annual Rate
CNY 0.12Paid annual
Payout Ratio
35.9%Sustainable
Payback Period
33.4 yr
Last Ex-Dividend
May 29, 2026
The reported statements, read against the company's own industry.
Financials view
Market Capitalization
10.75BCNY1.60B · vs all stocks (USD)
Trailing P/E
5.17xRevenue (TTM)
3.62BCNY537.16M · vs all stocks (USD)
Profit Margin
56.91%Beta
0.1600xvs all stocks
52-Week Change
-13.18%vs all stocks
Market Capitalization
10.75BCNY1.60B · vs all stocks (USD)
Enterprise Value
-5.46BCNY-810.21M · vs all stocks (USD)
Trailing P/E
5.17xForward P/E
4.42xPrice to Sales (TTM)
2.94xPrice to Book (MRQ)
0.5332xEnterprise to Revenue
-1.51xProfit Margin
56.91%Operating Margin
56.12%Return on Assets (TTM)
0.95%Return on Equity (TTM)
10.35%Revenue (TTM)
3.62BCNY537.16M · vs all stocks (USD)
Revenue per Share (TTM)
1.34CNYUpdated Aug 20, 2026Quarterly Revenue Growth
4.40%Gross Profit (TTM)
3.62BCNY537.16M · vs all stocks (USD)
EBITDA (TTM)
0.00CNYvs all stocks (USD)
Net Income (TTM)
2.06BCNY305.71M · vs all stocks (USD)
Quarterly Earnings Growth (YoY)
2.50%Operating Cash Flow (TTM)
-6.78BCNY-1.01B · vs all stocks (USD)
Levered Free Cash Flow (TTM)
2.05BCNY304.39M · vs all stocks (USD)
Trailing Annual Dividend Rate
0.1200CNYUpdated Aug 20, 2026Trailing Annual Dividend Yield
3.02%vs all stocks
5-Year Average Dividend Yield
4.68%vs all stocks
Payout Ratio
35.87%Minority Interest (Equity)
236.43MCNYFY2025 · Dec 31, 2025Revenue
4.04BCNYFY2025 · Dec 31, 2025Pre-tax Income
2.36BCNYFY2025 · Dec 31, 2025Income Tax Expense
341.87MCNYFY2025 · Dec 31, 2025Net Income
2.02BCNYFY2025 · Dec 31, 2025Selling, General & Administrative
401.28MCNYFY2025 · Dec 31, 2025Other Operating Expenses
42.74MCNYFY2025 · Dec 31, 2025EPS (Basic)
0.7569CNYFY2025 · Dec 31, 2025EPS (Diluted)
0.7569CNYFY2025 · Dec 31, 2025Basic Shares Outstanding
2.71BSharesFY2025 · Dec 31, 2025Diluted Shares Outstanding
2.71BSharesFY2025 · Dec 31, 2025Net Income from Continuing Operations
2.02BCNYFY2025 · Dec 31, 2025Minority Interests (P&L)
26.40MCNYFY2025 · Dec 31, 2025Operating Cash Flow
-19.59BCNYFY2025 · Dec 31, 2025Free Cash Flow
-19.89BCNYFY2025 · Dec 31, 2025Cash & Cash Equivalents (End of Period)
4.43BCNYFY2025 · Dec 31, 2025Starting Profit (CF Statement)
2.02BCNYFY2025 · Dec 31, 2025Other Non-cash Items
74.06MCNYFY2025 · Dec 31, 2025Change in Accounts Receivable (CF)
-21.88BCNYFY2025 · Dec 31, 2025Change in Other Assets/Liabilities
191.41MCNYFY2025 · Dec 31, 2025Capital Expenditures
-305.47MCNYFY2025 · Dec 31, 2025Purchase of Investments
-38.49BCNYFY2025 · Dec 31, 2025Sale of Investments
43.48BCNYFY2025 · Dec 31, 2025Net Investing Cash Flow
4.69BCNYFY2025 · Dec 31, 2025Long-term Debt Issuance
1.84BCNYFY2025 · Dec 31, 2025Long-term Debt Payments
-1.00BCNYFY2025 · Dec 31, 2025Common Dividends Paid
-793.75MCNYFY2025 · Dec 31, 2025Other Financing Charges
-6.76MCNYFY2025 · Dec 31, 2025Net Financing Cash Flow
43.64MCNYFY2025 · Dec 31, 2025Shares Outstanding
2.71BSharesUpdated Aug 20, 2026Float Shares
2.06BSharesUpdated Aug 20, 2026% Held by Insiders
23.93%vs all stocks
% Held by Institutions
11.62%vs all stocks
Total Cash (MRQ)
40.54BCNY6.02B · vs all stocks (USD)
Total Cash per Share (MRQ)
14.97CNYUpdated Aug 20, 2026Total Debt (MRQ)
24.26BCNY3.60B · vs all stocks (USD)
Total Debt to Equity (MRQ)
0.0121xBook Value per Share (MRQ)
7.37CNYUpdated Aug 20, 2026Total Assets
219.30BCNY32.57B · vs all stocks (USD)
Total Liabilities
199.47BCNYFY2025 · Dec 31, 2025Cash & Cash Equivalents
13.13BCNYFY2025 · Dec 31, 2025Long-term Debt
4.01BCNYFY2025 · Dec 31, 2025Common Stock (Book)
2.46BCNYFY2025 · Dec 31, 2025Retained Earnings
4.89BCNYFY2025 · Dec 31, 2025Total Shareholders' Equity
19.83BCNY2.95B · vs all stocks (USD)
52-Week Low
3.65CNYUpdated Aug 20, 202652-Week High
4.90CNYUpdated Aug 20, 202652-Week Change
-13.18%vs all stocks
Beta
0.1600xvs all stocks
50-Day MA
3.95CNYUpdated Aug 20, 2026200-Day MA
4.12CNYUpdated Aug 20, 2026Avg 10-Day Volume
37.68MSharesUpdated Aug 20, 2026Avg 30-Day Volume
43.07MSharesUpdated Aug 20, 2026Diluted EPS (TTM)
0.7600CNYUpdated Aug 20, 20261 interpretation currently present — each is a set of fired observations whose alignment reads as one structural pattern. Click an observation to see the numbers behind it.
Screen for these patternsHow does this company use capital?
Cash Backing With Revenue And Income Streaks
Revenue has risen in each of three years, profit in all three, and it holds more cash than debt.
Reads
An interpretation is present only while every observation it reads stays fired (score ≥ 70). It describes what the aligned readings show — never a verdict, never a prediction.
Shared structure with peers — never a ranking.
Relationships view
Structural observations derived from financial data, industry benchmarks, and supply chain position.
Financial Health
Low earnings qualitySignificant
Earnings Quality Score: -7.06
Supply Chain
Upstream position: supplies 5 industries, depends on 0Notable
Outgoing: 5.00Incoming: 0.00
Scale
Market cap is $1.6B, above the global median of $1.15BNotable
Market cap (USD): 1,596,426,970.339Global Median: 1,146,734,693.424
Revenue is $537.16M, above the global median of $520.53MNotable
Revenue (USD): 537,161,356.79Global Median: 520,528,949.311
Levered free cash flow is $304.39M, above the global median of $16.24MNotable
Levered free cash flow (USD): 304,385,947.72Global Median: 16,239,329.704
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