CompanyGraph
Jiangsu Zijin Rural Commercial Bank Co., Ltd.
601860 · SSE · China
zjrcbank.comFinancials as of FY2025
At a glance
- Depends onUpstream position: supplies 5 industries, depends on 0
- ScaleMarket cap is $1.38B, 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
1.96%Below 5Y avg (3.76%)
Annual Rate
CNY 0.05Paid annual
Payout Ratio
32.3%Sustainable
Payback Period
50.4 yr
Last Ex-Dividend
Jun 9, 2026
The reported statements, read against the company's own industry.
Financials view
Market Capitalization
9.30BCNY1.38B · vs all stocks (USD)
Trailing P/E
8.19xRevenue (TTM)
3.06BCNY455.63M · vs all stocks (USD)
Profit Margin
40.84%Beta
0.3320xvs all stocks
52-Week Change
-14.77%vs all stocks
Market Capitalization
9.30BCNY1.38B · vs all stocks (USD)
Enterprise Value
16.14BCNY2.40B · vs all stocks (USD)
Trailing P/E
8.19xForward P/E
5.08xPrice to Sales (TTM)
3.04xPrice to Book (MRQ)
0.4367xEnterprise to Revenue
5.27xProfit Margin
40.84%Operating Margin
57.85%Return on Assets (TTM)
0.43%Return on Equity (TTM)
6.14%Revenue (TTM)
3.06BCNY455.63M · vs all stocks (USD)
Revenue per Share (TTM)
0.8520CNYUpdated Aug 21, 2026Quarterly Revenue Growth
4.40%Gross Profit (TTM)
3.06BCNY455.63M · vs all stocks (USD)
EBITDA (TTM)
0.00CNYvs all stocks (USD)
Net Income (TTM)
1.25BCNY186.08M · vs all stocks (USD)
Quarterly Earnings Growth (YoY)
1.60%Operating Cash Flow (TTM)
3.06BCNY454.84M · vs all stocks (USD)
Levered Free Cash Flow (TTM)
1.24BCNY185.06M · vs all stocks (USD)
Trailing Annual Dividend Rate
0.0500CNYUpdated Aug 21, 2026Trailing Annual Dividend Yield
1.96%vs all stocks
5-Year Average Dividend Yield
3.76%vs all stocks
Payout Ratio
32.26%Revenue
4.02BCNYFY2025 · Dec 31, 2025Pre-tax Income
1.43BCNYFY2025 · Dec 31, 2025Income Tax Expense
183.82MCNYFY2025 · Dec 31, 2025Net Income
1.24BCNYFY2025 · Dec 31, 2025Selling, General & Administrative
464.49MCNYFY2025 · Dec 31, 2025Other Operating Expenses
63.27MCNYFY2025 · Dec 31, 2025EPS (Basic)
0.3400CNYFY2025 · Dec 31, 2025EPS (Diluted)
0.3100CNYFY2025 · Dec 31, 2025Basic Shares Outstanding
3.66BSharesFY2025 · Dec 31, 2025Diluted Shares Outstanding
3.66BSharesFY2025 · Dec 31, 2025Net Income from Continuing Operations
1.24BCNYFY2025 · Dec 31, 2025Operating Cash Flow
-6.43BCNYFY2025 · Dec 31, 2025Free Cash Flow
-6.47BCNYFY2025 · Dec 31, 2025Cash & Cash Equivalents (End of Period)
20.26BCNYFY2025 · Dec 31, 2025Starting Profit (CF Statement)
1.24BCNYFY2025 · Dec 31, 2025Other Non-cash Items
380.89MCNYFY2025 · Dec 31, 2025Change in Accounts Receivable (CF)
-7.97BCNYFY2025 · Dec 31, 2025Change in Other Assets/Liabilities
-86.05MCNYFY2025 · Dec 31, 2025Capital Expenditures
-39.73MCNYFY2025 · Dec 31, 2025Purchase of Investments
-101.03BCNYFY2025 · Dec 31, 2025Sale of Investments
91.15BCNYFY2025 · Dec 31, 2025Net Investing Cash Flow
-9.92BCNYFY2025 · Dec 31, 2025Long-term Debt Issuance
8.94BCNYFY2025 · Dec 31, 2025Long-term Debt Payments
-13.39BCNYFY2025 · Dec 31, 2025Common Dividends Paid
-457.81MCNYFY2025 · Dec 31, 2025Other Financing Charges
-52.73MCNYFY2025 · Dec 31, 2025Net Financing Cash Flow
-4.96BCNYFY2025 · Dec 31, 2025Shares Outstanding
3.66BSharesUpdated Aug 21, 2026Float Shares
2.50BSharesUpdated Aug 21, 2026% Held by Insiders
30.42%vs all stocks
% Held by Institutions
3.86%vs all stocks
Total Cash (MRQ)
32.73BCNY4.87B · vs all stocks (USD)
Total Cash per Share (MRQ)
9.16CNYUpdated Aug 21, 2026Total Debt (MRQ)
39.87BCNY5.93B · vs all stocks (USD)
Book Value per Share (MRQ)
5.82CNYUpdated Aug 21, 2026Total Assets
290.34BCNY43.18B · vs all stocks (USD)
Total Liabilities
270.04BCNYFY2025 · Dec 31, 2025Cash & Cash Equivalents
22.20BCNYFY2025 · Dec 31, 2025Long-term Debt
15.45BCNYFY2025 · Dec 31, 2025Common Stock (Book)
3.66BCNYFY2025 · Dec 31, 2025Retained Earnings
2.97BCNYFY2025 · Dec 31, 2025Total Shareholders' Equity
20.30BCNY3.02B · vs all stocks (USD)
52-Week Low
2.40CNYUpdated Aug 21, 202652-Week High
3.02CNYUpdated Aug 21, 202652-Week Change
-14.77%vs all stocks
Beta
0.3320xvs all stocks
50-Day MA
2.56CNYUpdated Aug 21, 2026200-Day MA
2.70CNYUpdated Aug 21, 2026Avg 10-Day Volume
45.79MSharesUpdated Aug 21, 2026Avg 30-Day Volume
53.79MSharesUpdated Aug 21, 2026Diluted EPS (TTM)
0.3100CNYUpdated Aug 21, 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 is this stock valued?
Price Below Mean With Profitability And Book Value
Price sits well below its yearly mean, on three profitable years and rising book value.
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: -8.38
Supply Chain
Upstream position: supplies 5 industries, depends on 0Notable
Outgoing: 5.00Incoming: 0.00
Scale
Market cap is $1.38B, above the global median of $1.15BNotable
Market cap (USD): 1,382,884,755.177Global Median: 1,146,734,693.424
Levered free cash flow is $185.06M, above the global median of $16.24MNotable
Levered free cash flow (USD): 185,063,200.47Global Median: 16,239,329.704
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