Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd (SHA:601528)

SHA:601528 Financials Overview

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

Revenue & Profits

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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	3,308	3,276	3,079	2,983	2,644	2,430
Revenue Growth	6.87%	6.40%	3.25%	12.82%	8.78%	10.25%
Net Income Net Income Growth	1,974	1,966	1,922	1,727	1,528	1,271
Earnings Per Share EPS Growth	1.01	1.00	0.98	0.88	0.78	0.68
EPS Growth	0.87%	2.10%	11.29%	13.01%	14.19%	9.44%

Revenue by Segment

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Fiscal Year	FY 2025	FY 2024	FY 2023
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023
Other business Other business Growth	186.36	114.98	156.36
Individual life insurance business Individual life insurance business Growth	856.1	1,128	1,192
Capital business Capital business Growth	714.18	752.45	440.86
Company Banking Services Company Banking Services Growth	1,658	1,236	1,170
Total Total Growth	3,415	3,231	2,959

Cash & Debt

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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	28,137	19,535	15,296	15,114	13,046	14,944
Total Debt Total Debt Growth	39,547	37,275	33,252	30,859	17,619	20,014
Net Cash (Debt) Net Cash Growth	-11,410	-17,740	-17,955	-15,746	-4,572	-5,070
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share Net Cash Per Share Growth	-5.83	-9.04	-9.15	-8.02	-2.33	-2.72

Cash Flow & CapEx

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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	9,845	4,546	-610.24	26,327	3,161	-187.08
Capital Expenditures CapEx Growth	-53.48	-54.07	-96.93	-54.62	-83.9	-211.39
Free Cash Flow Free Cash Flow Growth	9,792	4,492	-707.17	26,272	3,077	-398.47
Free Cash Flow Growth	172.55%	-	-	753.76%	-	-

Margins

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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	59.68%	60.00%	62.41%	57.91%	57.79%	52.30%
FCF Margin	296.00%	137.10%	-22.96%	880.85%	116.40%	-16.40%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug 26, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	0.210	0.210	0.200	0.180	0.115	0.139
Dividend Per Share Growth	5.00%	5.00%	11.11%	55.98%	-16.68%	-
Dividend Yield	4.33%	3.84%	3.85%	4.08%	2.72%	1.82%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug 26, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	5.03	5.69	5.75	5.62	6.23	13.39
Forward PE	4.92	5.24	5.21	4.23	6.32	12.03
P/FCF Ratio	1.02	2.49	-	0.37	3.10	-
PS Ratio	3.01	3.41	3.59	3.26	3.60	7.01

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

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

Update frequency:

Quarterly

Last checked:

Aug 26, 2026

Data Sources Report a data error