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Jiangsu Zijin Rural Commercial Bank Co.,Ltd (SHA:601860)
China flag China · Delayed Price · Currency is CNY
2.590
-0.040 (-1.52%)
Sep 15, 2026, 3:00 PM CST

SHA:601860 Financials Overview

Millions CNY. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
2,8383,0283,6143,6763,7413,456
Revenue Growth
-21.73%-16.22%-1.68%-1.76%8.25%15.97%
Net Income
1,2751,2441,6241,6191,6001,515
Earnings Per Share
0.310.310.400.400.400.38
EPS Growth
-22.02%-22.50%0%0%5.26%2.70%

Revenue by Segment
Chart
Fiscal YearFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '24 Dec '23 Dec '22 Dec '21
Company Banking Services
2,2261,6742,4981,0032,049
Capital business
533.9964.82526.66367.69602.43
Individual life insurance business
1,3331,7811,2962,9641,717
Others
25.342.5499.49171.54132.92
Total
4,1184,4634,4204,5074,502

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
32,72837,33726,79911,67414,93917,662
Total Debt
39,87036,85232,61923,85324,82129,725
Net Cash (Debt)
-7,142485.3-5,820-12,179-9,882-12,063
Net Cash Growth
------
Net Cash Per Share
-1.750.12-1.43-3.01-2.47-3.03

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-18,4813,2515,8426,556-23,136
Capital Expenditures
--43.94-45.63-53.25-130.29-76.81
Free Cash Flow
-18,4373,2055,7896,425-23,213
Free Cash Flow Growth
-475.26%-44.63%-9.91%--

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
44.92%41.10%44.92%44.04%42.77%43.84%
FCF Margin
-608.90%88.68%157.49%171.74%-671.63%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.1000.1000.1000.1000.1000.100
Dividend Per Share Growth
0%0%0%0%0%0%
Dividend Yield
3.76%3.76%3.77%4.42%4.49%3.59%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
8.308.126.435.725.938.09
Forward PE
-5.265.265.265.347.75
P/FCF Ratio
3.150.553.261.601.48-
PS Ratio
3.343.342.892.522.533.55