YOLFTbeta
60

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co Ltd

601528 · SHG · Financial Services / Banks - Regional

5.47CNY+0.03 (+0.55%)

Price History

Full chart

Market Stats

Previous Close5.44
Open5.40
Day Range5.39 – 5.51
52-Week Range4.31 – 5.55
Volume20.04M
Market Cap10.09B
P/E (TTM)5.09
Forward P/E0.00
EPS1.01
Dividend Yield6.03%
Beta0.29
50-Day Avg5.02
200-Day Avg5.14

About

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd provides commercial banking products and services in China. It offers personal wealth products and services that cover financial products, precious metals, funds, insurance products, and asset management products; savings, demand, time, structured, and notice deposit products, as well as certificate of deposit; personal, business, consumer, mortgage, operating, and e-flash loans; credit and debit cards, gold and platinum cards, and cards with VIP privileges; and mobile and online banking services. The company also offers financial management products and services; settlement products and services comprising electronic money transfer, bank draft, transfer check, promissory note, local entrusted collection, remote collection of payments, and collection and payment; cross-border RMB settlement, clean and import collection, export documentary collection, letter of credit document review/negotiation, letter of credit notice, foreign exchange remittance, and global forex. In addition, it provides blockchain instant loans, customs and trade e-loan, foreign exchange loans, import financing, - short-term export credit insurance financing, export invoice financing, forfaiting, export discounting, export financing, and packing loan under export letter of credit. The company was founded in 1987 and is based in Shaoxing, China.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Gangliang Chen
  • Employees2.08K
  • Headquarters1363, Diyang Road, Shaoxing, China, 312030, China
  • Websitehttps://www.borf.cn

Leadership

  • Mr. Gangliang ChenPresident, CFO, Chief Compliance Officer & Director · b. 1975
  • Ms. Xiaojun QinVP & Director · b. 1980
  • Mr. Guoli YanVP & Director · b. 1977
  • Mr. Guojiang ZhangBoard Secretary · b. 1986
  • Jianfang HuChief Accounting Officer

Financials

Income Statement

Currency: CNY2010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.45B1.71B3.23B3.34B3.59B4.36B4.74B2.07B2.38B5.19B5.50B6.18B6.64B7.60B8.39B7.99B
Growth (%)-+18.19%+88.70%+3.64%+7.45%+21.36%+8.78%-56.32%+14.88%+118.06%+5.92%+12.44%+7.45%+14.46%+10.38%-4.79%
Cost of Revenue--1.18B1.20B1.39B2.02B2.26B2.63B2.30B2.33B2.49B2.87B3.12B3.85B4.11B4.68B
Gross Profit1.45B1.71B2.04B2.14B2.20B2.34B2.48B-558.49M82.91M2.86B3.01B3.31B3.52B3.75B4.27B3.31B
Gross Margin100.00%100.00%63.39%64.04%61.35%53.59%52.40%-26.96%3.48%55.13%54.74%53.56%52.99%49.33%50.95%41.39%
Operating Expense--781.36M874.71M1.08B1.36B1.44B-1.58B-1.11B1.70B1.81B1.94B1.90B1.96B2.38B1.31B
Operating Income--1.26B1.27B1.12B977.72M1.05B1.02B1.19B1.16B1.20B1.37B1.62B1.79B1.89B2.00B
Operating Margin--39.17%37.88%31.21%22.43%22.11%49.26%50.10%22.30%21.79%22.17%24.37%23.56%22.58%24.99%
EBITDA1.61B2.02B1.30B1.32B1.20B1.05B1.12B1.09B1.26B1.21B1.26B1.46B1.74B1.95B2.05B1.99B
EBITDA Margin111.14%118.03%40.42%39.46%33.50%24.03%23.64%52.53%52.80%23.40%22.88%23.67%26.16%25.69%24.47%24.90%
Net Income716.86M796.81M938.65M958.95M867.42M734.06M790.12M1.01B963.79M1.04B1.10B1.27B1.53B1.73B1.92B1.97B
Net Income Margin49.56%46.61%29.10%28.68%24.15%16.84%16.66%48.64%40.50%20.01%20.10%20.57%23.01%22.73%22.91%24.61%
Interest Expense623.59M934.43M1.18B1.20B1.39B2.02B2.26B2.63B2.30B2.33B2.49B2.87B3.12B3.85B4.11B3.72B
Interest Expense % of Total Revenue43.11%54.66%36.61%35.96%38.65%46.41%47.60%126.96%96.52%44.87%45.26%46.44%47.01%50.67%49.05%46.55%

Balance Sheet

Currency: CNY2010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets42.50B51.35B56.11B61.47B74.78B88.08B109.50B106.91B104.98B109.92B129.52B136.87B159.62B196.89B220.50B241.69B
Total Liabilities38.92B47.01B50.91B55.49B67.97B80.62B101.57B98.36B95.37B11.13B9.29B6.30B7.05B180.02B201.28B221.72B
Total Equity3.58B4.34B5.20B5.97B6.63B7.27B7.74B8.35B9.40B10.23B11.03B13.57B14.92B16.63B18.97B19.69B
Cash2.43B2.35B2.17B2.12B15.16B4.22B2.68B3.81B13.81B12.60B17.63B15.79B14.52B19.46B15.98B11.19B
Total Debt19.87M69.03M25.14M42.50M1.91B5.99B15.73B10.33B11.22B11.13B9.29B6.30B7.05B31.88B7.33B37.47B
Net Debt-2.41B-2.28B-2.15B-2.07B-13.25B1.77B13.06B6.52B-2.59B-1.47B-8.34B-9.49B-7.47B-19.46B-8.64B26.28B

Cash Flow

Currency: CNY2010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-185.40M1.92B4.40B2.28B2.33B10.95B6.51B-2.50B-4.21B5.40B12.46B-187.08M3.16B26.33B-610.24M3.08B
Investing Cash Flow121.64M-1.78B-2.35B-3.54B-3.14B-12.39B-17.85B11.86B3.20B-4.52B-2.83B-496.73M-6.52B-20.69B-5.78B-20.80B
Financing Cash Flow-90.00M-90.00M-90.00M-99.00M1.33B3.65B9.83B-6.34B316.51M-654.76M-2.57B-2.00B-554.16M-710.83M1.17B18.79B
Capital Expenditure94.14M212.46M207.58M201.15M34.40M79.24M186.04M140.11M220.67M269.75M272.69M211.39M83.90M54.62M96.93M54.07M
Free Cash Flow-279.54M1.71B4.20B2.08B2.30B10.87B6.32B-2.64B-4.43B5.13B12.19B-398.47M3.08B26.27B-707.17M3.02B
Dividends Paid90.00M90.00M90.00M99.00M163.35M216.29M255.91M317.51M365.27M397.02M365.68M202.63M372.90M457.34M528.68M508.45M
FCF to OCF150.78%88.96%95.29%91.17%98.53%99.28%97.14%105.60%105.24%95.00%97.81%212.99%97.35%99.79%115.88%98.24%
Dividend Paid to FCF-32.20%5.26%2.14%4.76%7.10%1.99%4.05%-12.01%-8.24%7.74%3.00%-50.85%12.12%1.74%-74.76%16.82%

Earnings

Report DateAug 24, 2021Oct 27, 2021Jan 24, 2022Apr 29, 2022Aug 24, 2022Oct 30, 2022Mar 28, 2023Apr 14, 2023
EPS Estimate--------
EPS Actual0.180.240.320.200.220.300.300.23
Surprise--------
TimingAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursPre-market

Key Statistics & Ratios

Market Cap10.09B
Enterprise Value29.97B
Trailing P/E5.09
Forward P/E0.00
Price / Sales3.05
Price / Book0.48
EPS1.01
Book Value10.40
Revenue (TTM)3.30B
Gross Profit (TTM)3.30B
Profit Margin59.77%
Operating Margin56.66%
Return on Equity9.95%
Return on Assets0.82%
Shares Outstanding1.96B
Shares Float1.18B
Beta0.29
Dividend Yield6.03%
Dividend Rate0.31
Payout Ratio20.79%

Dividends

20262×
0.10Sep 10, 20260.21May 12, 2026
20251×
0.20May 9, 2025
20241×
0.18May 9, 2024
20231×
0.15May 10, 2023
20221×
0.14May 10, 2022

Stock Splits

  • May 10, 20231.3:1