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Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd (SHA:601528)
China flag China · Delayed Price · Currency is CNY
5.23
+0.16 (3.16%)
Aug 3, 2026, 3:00 PM CST

SHA:601528 Financials Overview

Millions CNY. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
3,2543,2763,0792,9832,6442,430
Revenue Growth
5.80%6.40%3.25%12.82%8.78%10.25%
Net Income
1,9641,9661,9221,7271,5281,271
Earnings Per Share
1.001.000.980.880.780.68
EPS Growth
-0.04%2.10%11.29%13.01%14.19%9.44%

Revenue by Segment
Chart
Fiscal YearFY 2025FY 2024FY 2023
Period EndingDec '25 Dec '24 Dec '23
Other business
186.36114.98156.36
Individual life insurance business
856.11,1281,192
Capital business
714.18752.45440.86
Company Banking Services
1,6581,2361,170
Total
3,4153,2312,959

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
29,19519,53515,29615,11413,04614,944
Total Debt
44,31737,27533,25230,85917,61920,014
Net Cash (Debt)
-15,122-17,740-17,955-15,746-4,572-5,070
Net Cash Growth
------
Net Cash Per Share
-7.72-9.04-9.15-8.02-2.33-2.72

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
5,0214,546-610.2426,3273,161-187.08
Capital Expenditures
-35.42-54.07-96.93-54.62-83.9-211.39
Free Cash Flow
4,9864,492-707.1726,2723,077-398.47
Free Cash Flow Growth
-41.69%--753.76%--

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
60.35%60.00%62.41%57.91%57.79%52.30%
FCF Margin
153.21%137.10%-22.96%880.85%116.40%-16.40%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.2100.2100.2000.1800.1150.139
Dividend Per Share Growth
5.00%5.00%11.11%55.98%-16.68%-
Dividend Yield
4.14%3.84%3.85%4.08%2.72%1.82%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
5.075.695.755.626.2313.39
Forward PE
4.925.245.214.236.3212.03
P/FCF Ratio
2.002.49-0.373.10-
PS Ratio
3.063.413.593.263.607.01