Guangzhou Rural Commercial Bank Co., Ltd. (HKG:1551)

HKG:1551 Financials Overview

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

Revenue & Profits

Chart

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	8,233	8,114	8,063	9,746	11,919	10,940
Revenue Growth	1.47%	0.64%	-17.27%	-18.23%	8.94%	-17.68%
Net Income Net Income Growth	1,827	1,788	1,415	1,989	2,872	2,569
Earnings Per Share EPS Growth	0.12	0.12	0.10	0.17	0.25	0.26
EPS Growth	0.24%	26.42%	-43.36%	-30.89%	-3.76%	-42.13%

Revenue by Segment

Chart

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Corporate Banking Corporate Banking Growth	2,269	2,165	2,951	4,232	4,968
Retail Banking Retail Banking Growth	4,001	4,549	5,580	6,550	5,995
Others Others Growth	186.04	-387.43	27.86	329.99	282.21
Financial Market Business Financial Market Business Growth	1,658	1,736	1,188	806.45	-305.22
Total Total Growth	8,114	8,063	9,746	11,919	10,940

Cash & Debt

Chart

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	285,630	228,262	181,293	158,205	229,268	233,156
Total Debt Total Debt Growth	266,783	238,506	230,248	220,087	195,487	178,398
Net Cash (Debt) Net Cash Growth	18,847	-10,244	-48,955	-61,881	33,781	54,758
Net Cash Growth	-	-	-	-	-38.31%	-47.95%
Net Cash Per Share Net Cash Per Share Growth	1.28	-0.71	-3.40	-5.39	2.95	5.55

Cash Flow & CapEx

Chart

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	32,294	-751.96	-62,972	-59,384	-18,438	-54,019
Capital Expenditures CapEx Growth	-298.58	-339.85	-866.01	-501.28	-752.75	-450.91
Free Cash Flow Free Cash Flow Growth	31,995	-1,092	-63,838	-59,885	-19,190	-54,470
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Chart

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Profit Margin	22.19%	22.04%	17.54%	20.41%	24.09%	23.48%
FCF Margin	388.61%	-13.46%	-791.77%	-614.44%	-161.01%	-497.88%

Dividends

Chart

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 4, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	0.054	0.046	0.045	0.040	0.105	0.105
Dividend Per Share Growth	7.34%	2.22%	12.50%	-61.91%	0%	-47.50%
Dividend Yield	3.58%	3.48%	3.16%	2.19%	5.17%	4.51%

Valuation

Chart

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 4, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	9.96	11.01	15.51	14.47	9.31	12.46
PS Ratio	2.17	2.43	2.72	2.95	2.24	2.93

Data Source: S&P Global Market Intelligence Last updated: Dec 31, 2025

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every six months for this company.

Update frequency:

Semi-annually

Last checked:

Sep 4, 2026

Data Sources Report a data error