Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. (SHE:002807)
China flag China · Delayed Price · Currency is CNY
4.210
+0.060 (1.45%)
Aug 3, 2026, 3:04 PM CST

SHE:002807 Financials Overview

Millions CNY. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
3,6173,5863,3313,0232,8202,484
Revenue Growth
6.55%7.67%10.19%7.21%13.49%12.87%
Net Income
2,0582,0492,0371,8881,6161,274
Earnings Per Share
0.760.760.720.690.590.47
EPS Growth
5.64%5.82%4.42%15.29%26.24%18.90%

Revenue by Segment

Fiscal YearFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '24 Dec '23 Dec '22 Dec '21
Capital Business
973.64938.97806.55729.9568.08
Other
32.6350.3474.5284.7447.08
Company Banking Services
1,6111,8081,8992,2332,071
Individual Life Insurance Business
1,5081,1641,085732680.12
Total
4,1253,9623,8653,7803,367

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
40,54236,51123,06120,91513,99211,687
Total Debt
24,25627,58625,72327,00223,67221,751
Net Cash (Debt)
16,2868,924-2,662-6,087-9,680-10,064
Net Cash Growth
171.37%-----
Net Cash Per Share
6.023.30-0.93-2.12-3.39-3.55

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-6,782-2,3793,685-400.1391.64,074
Capital Expenditures
-303.49-309.97-234.65-155.26-274.86-178.16
Free Cash Flow
-7,085-2,6893,451-555.36116.743,896
Free Cash Flow Growth
-----97.00%21.99%

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
56.91%57.15%61.15%62.46%57.32%51.27%
FCF Margin
-195.91%-74.97%103.59%-18.37%4.14%156.83%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.2180.2000.1820.1730.1640.164
Dividend Per Share Growth
16.00%10.01%5.27%5.56%0%0%
Dividend Yield
5.26%4.95%5.05%6.18%5.48%5.91%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
5.545.495.264.085.346.57
Forward PE
5.324.704.793.844.976.42
P/FCF Ratio
--3.10-73.862.15
PS Ratio
3.153.143.222.553.063.37