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Jiangsu Jiangyin Rural Commercial Bank Co Ltd

002807 · SHE · Financial Services / Banks - Regional

4.45CNY+0.04 (+0.91%)

Price History

Full chart

Market Stats

Previous Close4.41
Open4.40
Day Range4.38 – 4.52
52-Week Range3.65 – 4.66
Volume43.94M
Market Cap11.37B
P/E (TTM)5.53
Forward P/E0.00
EPS0.76
Dividend Yield5.02%
Beta0.16
50-Day Avg4.08
200-Day Avg4.09

About

Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. provides various personal and corporate banking products and services in China. The company operates through Corporate Business, Personal Business, Treasury Business, and others segments. It offers fixed, current, smart, notice, time, and demand deposits, as well as deposit certificates; gold, mortgage, and personal business and consumption loans; business operating, project, syndicated, agricultural, fund pool, auction, commercial property, revolving, technology, and green energy loans; and corporate finance. The company also provides citizen, debit, and credit cards; international remittance, foreign currency exchange and settlement, and clean collection; and agency funds, precious metal sales, and third-party custody services. In addition, it offers letter of credit, documentary and clean collection, packaged loans, export bill purchase, forfaiting, export invoice financing, offshore non-financing guarantee, credit insurance, import bill purchase, import payment, and bill pledge financing; and cross border RMB business, online and mobile banking, Wechat bank, golden neighborhood, convenient services, points mall, cashier services, and micro finance products. Further, the company offers transactional financial instruments, bond investment, repurchase and resale bond business, and interbank lending business. Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. was founded in 2001 and is headquartered in Jiangyin, China.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Qinghua Ni
  • Employees1.75K
  • HeadquartersNo. 1 Chengjiang Middle Road, Jiangyin, China, 214431, China
  • Websitehttps://www.jybank.com.cn

Leadership

  • Mr. Qinghua NiPresident & Non-Independent Director · b. 1976
  • Ms. Hui Juan ChangCFO & Head of Accounting Department · b. 1973
  • Ms. Danjuan BianSecretary of the Board & Director · b. 1973
  • Ms. Zhijuan NiVice President · b. 1975
  • Mr. Kai WangVice President · b. 1986
  • Mr. Anguo WangVice President · b. 1982
  • Mr. Kaicheng ChenVice President · b. 1984
  • Mr. Gan YuVice President · b. 1989

Financials

Income Statement

Currency: CNY2008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.87B1.72B2.28B3.05B4.23B4.22B4.35B4.45B4.35B4.73B5.53B5.89B5.99B6.27B6.81B7.05B6.99B4.04B
Growth (%)--8.15%+33.17%+33.41%+38.88%-0.42%+3.10%+2.30%-2.17%+8.86%+16.70%+6.68%+1.55%+4.76%+8.64%+3.46%-0.77%-42.26%
Cost of Revenue506.49M437.19M618.25M1.13B1.89B1.95B2.00B1.96B1.90B2.25B2.34B2.49B2.71B2.96B3.09B3.25B3.11B-
Gross Profit1.36B1.28B1.67B1.91B2.35B2.27B2.34B2.48B2.44B2.48B3.18B3.40B3.27B3.31B3.72B3.80B3.89B-
Gross Margin72.89%74.52%72.94%62.80%55.47%53.83%53.88%55.85%56.21%52.41%57.63%57.75%54.70%52.84%54.64%53.87%55.56%-
Operating Expense597.60M470.25M589.83M796.36M1.12B1.04B1.38B1.58B1.61B1.71B2.58B2.29B2.17B1.99B2.05B1.72B1.71B-
Operating Income763.90M808.33M1.08B1.12B1.23B1.23B958.53M899.54M833.30M772.08M605.76M1.11B1.11B1.32B1.68B2.07B2.17B-
Operating Margin40.89%47.11%47.13%36.67%29.00%29.19%22.05%20.23%19.16%16.31%10.96%18.87%18.49%21.12%24.59%29.44%31.09%-
EBITDA787.28M831.20M1.11B1.16B1.28B1.29B1.04B982.21M928.74M867.30M719.96M1.23B1.23B1.47B1.83B2.23B2.33B-
EBITDA Margin42.15%48.44%48.52%37.90%30.20%30.61%23.82%22.09%21.35%18.32%13.03%20.91%20.59%23.40%26.85%31.65%33.36%-
Net Income598.59M626.09M854.64M884.44M981.04M999.72M817.92M814.50M777.93M808.45M857.35M1.01B1.06B1.27B1.62B1.89B2.04B2.05B
Net Income Margin32.04%36.49%37.41%29.01%23.17%23.71%18.82%18.32%17.89%17.07%15.52%17.18%17.66%20.31%23.72%26.79%29.12%50.75%
Interest Expense506.49M437.19M618.25M1.13B1.89B1.95B2.00B1.96B1.90B2.25B2.34B2.49B2.71B2.96B3.09B3.25B3.11B2.84B
Interest Expense % of Total Revenue27.11%25.48%27.06%37.20%44.53%46.17%46.12%44.15%43.79%47.59%42.37%42.25%45.30%47.16%45.36%46.13%44.44%70.32%

Balance Sheet

Currency: CNY2008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets32.06B41.45B52.82B56.30B73.41B76.04B83.59B90.48B104.08B109.40B114.92B126.34B142.79B153.13B168.75B186.03B200.23B219.30B
Total Liabilities29.89B38.73B49.26B51.88B68.35B70.33B77.04B82.96B95.07B100.05B104.23B114.47B130.53B139.96B154.34B169.95B181.37B199.47B
Total Equity2.12B2.67B3.38B4.22B4.82B5.45B6.26B7.23B8.75B9.15B10.57B11.76B12.13B13.03B14.27B15.79B18.59B19.60B
Cash7.10B8.48B11.01B1.53B15.55B15.08B14.03B14.63B13.28B11.50B13.02B11.89B11.48B10.65B10.33B9.86B10.02B13.13B
Total Debt--26.42M63.01M-43.28M-24.46M4.14B3.32B12.44B5.91B10.68B7.30B8.47B8.63B3.83B-
Net Debt-7.10B-8.48B-10.98B-1.47B-15.55B-15.03B-14.03B-14.61B-9.14B-8.18B-573.90M-5.97B-795.93M-3.36B-1.87B-1.23B-6.19B-

Cash Flow

Currency: CNY2008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow360.73M2.63B4.41B-3.69B13.18B-2.54B4.01B8.65B5.81B2.03B-11.90B11.47B3.35B4.07B391.60M-400.10M3.69B-2.38B
Investing Cash Flow-558.21M-2.59B-1.70B600.84M-5.04B-2.44B-4.13B-8.22B-12.71B-1.27B2.05B-4.81B-5.39B718.52M-2.52B2.55B-1.53B-
Financing Cash Flow22.39M-93.64M22.80M-118.17M-255.90M-172.95M-258.07M-110.52M5.00B-1.25B8.62B-7.14B3.00B-5.44B2.12B-2.35B-2.23B-
Capital Expenditure142.77M79.71M131.99M143.31M131.26M152.86M127.16M193.33M262.15M335.48M303.59M146.69M153.96M178.16M274.86M155.25M234.65M309.97M
Free Cash Flow217.96M2.55B4.28B-3.83B13.05B-2.69B3.88B8.46B5.55B1.70B-12.20B11.32B3.19B3.90B116.74M-555.36M3.45B-2.69B
Dividends Paid26.01M93.64M103.00M118.17M290.22M172.95M258.07M99.71M265.10M265.10M183.34M93.49M390.96M447.16M479.15M510.59M612.11M793.75M
FCF to OCF60.42%96.97%97.01%103.89%99.00%106.01%96.83%97.76%95.49%83.50%102.55%98.72%95.40%95.63%29.81%138.80%93.63%113.03%
Dividend Paid to FCF11.93%3.67%2.41%-3.09%2.22%-6.42%6.65%1.18%4.78%15.61%-1.50%0.83%12.24%11.48%410.43%-91.94%17.74%-29.52%

Earnings

Report DateOct 27, 2016Jan 25, 2017Apr 27, 2017Aug 28, 2017Oct 30, 2017Jan 9, 2018Apr 27, 2018Aug 29, 2018Oct 26, 2018Jan 24, 2019Apr 25, 2019Aug 1, 2019Oct 28, 2019Jan 22, 2020Apr 25, 2020Aug 26, 2020Oct 30, 2020Apr 27, 2021Aug 27, 2021Oct 28, 2021Jan 18, 2022Apr 29, 2022Jul 18, 2022Oct 25, 2022Oct 29, 2025Apr 30, 2026Aug 21, 2026
EPS Estimate---------------------------
EPS Actual0.070.130.080.080.080.140.090.080.080.130.080.090.110.130.090.090.100.100.130.110.190.120.140.120.160.140.18
Surprise---------------------------
TimingPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-market---

Key Statistics & Ratios

Market Cap11.37B
Enterprise Value14.41B
Trailing P/E5.53
Forward P/E0.00
Price / Sales3.11
Price / Book0.55
EPS0.76
Book Value7.50
Revenue (TTM)3.66B
Gross Profit (TTM)3.66B
Profit Margin56.50%
Operating Margin66.27%
Return on Equity10.35%
Return on Assets0.94%
Shares Outstanding2.71B
Shares Float2.06B
Beta0.16
Dividend Yield5.02%
Dividend Rate0.21
Payout Ratio43.99%

Dividends

20262×
0.10Oct 16, 20260.12May 29, 2026
20252×
0.09Dec 3, 20250.18Apr 30, 2025
20241×
0.17May 10, 2024
20231×
0.16Jun 7, 2023
20221×
0.16May 13, 2022
20211×
0.16May 13, 2021
20201×
0.16Jun 9, 2020
20191×
0.03Apr 17, 2019
20181×
0.08May 22, 2018
20171×
0.11May 12, 2017

Stock Splits

  • May 29, 20261.1:1
  • Apr 17, 20191.2:1