Zhongyuan Bank Co., Ltd. (HKG:1216)

Hong Kong · Delayed Price · Currency is HKD

0.2750

-0.0050 (-1.79%)

Jul 24, 2026, 2:03 PM HKT

Zhongyuan Bank Financials Overview

Financials in millions CNY. Fiscal year is January - December.

Millions CNY. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	12,792	12,792	13,070	13,624	14,422	11,643
Revenue Growth	1.00%	-2.13%	-4.07%	-5.53%	23.87%	0.55%
Net Income	2,937	2,937	2,794	2,406	2,841	3,002
Earnings Per Share	0.08	0.08	0.08	0.07	0.10	0.15
EPS Growth	5.71%	5.11%	16.14%	-31.23%	-36.00%	10.07%

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Corporate Banking	2,385	2,385	2,627	6,170	6,953	3,830
Financial Markets Business	4,367	4,367	5,095	4,065	3,983	2,752
Others	83.43	83.43	59.75	84.49	77.74	-143.99
Retail Banking	5,956	5,956	5,288	3,305	3,407	5,204
Total	12,792	12,792	13,070	13,624	14,422	11,643

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	193,138	193,138	196,621	194,769	187,853	115,130
Total Debt	241,921	241,921	287,212	338,717	342,851	212,500
Net Cash (Debt)	-48,782	-48,782	-90,591	-143,949	-154,998	-97,370
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-1.33	-1.33	-2.48	-3.94	-5.22	-4.85

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-131.42	-131.42	-81,383	-10,509	26,468	-28,339
Capital Expenditures	-1,236	-1,236	-1,574	-843.12	-974.67	-622.57
Free Cash Flow	-1,368	-1,368	-82,957	-11,352	25,494	-28,961
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	22.96%	22.96%	21.38%	17.66%	19.70%	25.79%
FCF Margin	-10.69%	-10.69%	-634.73%	-83.33%	176.77%	-248.75%

Dividends

Fiscal Year	Current	FY 2025	FY 2024
Period Ending	Jul '26 Jul 26, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024
Dividend Per Share	0.014	-	0.012
Dividend Per Share Growth	-	-	-
Dividend Yield	5.05%	-	4.41%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 26, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	3.08	3.52	3.69	4.62	7.17	4.58
Forward PE	-	9.02	9.02	9.02	9.02	9.02
P/FCF Ratio	-	-	-	-	0.80	-
PS Ratio	0.71	0.81	0.79	0.82	1.41	1.18