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Shanghai's largest rural/agricultural-heritage commercial bank, serving retail, SME and rural customers in the city region.
Shanghai's largest rural/agricultural-heritage commercial bank, serving retail, SME and rural customers in the city region.
Earns mostly the gap between lending rates and deposit costs, on loans to small businesses, households and companies in and around Shanghai, funded by a dense network of local branches. It is a local, not national, lender.
Moat: narrow (regulatory licence, distribution). Dense branch network across Shanghai built from a rural credit-cooperative heritage.
Headquarters: Shanghai, China · Founded: 2005 · Employees: 11,218
Size Shanghai Rural Commercial Bank (601825.SS) is a China Financials company (Major Banks) with a market value of $13.1B, the 184th largest of 4,839 China companies the cockpit tracks. Shares closed at CN¥9.04 on 6 Nov 2026.
Performance Over six months the shares gained 0.7%, against +3.0% for the median peer and -16.4% for the China market (cap-weighted) — 9th lowest of 21 in its peer set.
Growth Revenue fell 7.8% over the last twelve months (peer median +5.1%); the operating margin is 58.2% (peer median 42.5%).
Valuation It trades at 0.65× book value against a peer median of 1.14× (4th cheapest of 21).
Price implies The share price implies a return on equity of about 2.5%; Shanghai Rural Commercial Bank delivers 9.6%, so the price asks less than the business earns today.
Next results Next results expected around 23 Apr 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | CN¥45.0B | CN¥47.2B | CN¥50.9B | CN¥51.3B | CN¥48.5B |
| Revenue growth | — | -7% | -1% | +6% | — |
| Net income | CN¥12.4B | CN¥12.3B | CN¥12.3B | CN¥12.1B | CN¥11.0B |
| Free cash flow | CN¥9.74B | CN¥8.68B | CN¥14.4B | CN¥8.95B | CN¥21.7B |
| Capital expenditure | CN¥1.00B | CN¥1.09B | CN¥1.16B | CN¥1.04B | CN¥702M |
| Total debt | CN¥313B | CN¥284B | CN¥251B | CN¥226B | CN¥194B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Shanghai Rural Commercial Bank 601825.SS | $13.1B | +1% | -8% | 10% | 0.65× | 2.5% |
| Bank of Shanghai 601229.SS | $17.6B | -13% | -7% | 8% | 0.44× | 2.0% |
| Bank of Nanjing 601009.SS | $22.8B | +5% | +6% | 12% | 0.77× | 2.8% |
| Bank of Ningbo 002142.SZ | $34.0B | +3% | +3% | 13% | 0.92× | 7.0% |
| Bank of Jiangsu 600919.SS | $35.1B | +13% | +5% | 13% | 0.83× | 2.9% |
| Chongqing Rural Commercial Bank 601077.SS | $11.7B | -1% | -1% | 9% | 0.57× | 2.3% |
| Jiangsu Changshu Rural Commercial Bank 601128.SS | $3.48B | -4% | -1% | 14% | 0.67× | 2.5% |
| Bank of Hangzhou 600926.SS | $18.6B | -2% | -3% | 14% | 0.86× | 3.0% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 601825.SS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +3.8% | +3.1% | 9th highest of 21 |
| 6-month return | +0.7% | +3.0% | 9th lowest of 21 |
| Return on equity | 9.6% | 11.7% | 5th lowest of 21 |
| Price / book | 0.65× | 1.14× | 4th cheapest of 21 |
| Trailing P/E | 7.0× | 10.2× | 8th cheapest of 19 |
| ROE the price implies | 2.5% | 11.7% | 2nd least demanding of 21 |
| ROE delivered | 9.6% | 11.8% | 5th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Shanghai Rural Commercial Bank 601825.SS | China | $13.1B | +1% | -8% | 10% | 0.65× | 2.5% | 9.6% |
| Indian Bank INDIANB.NS | India | $12.9B | +5% | +12% | 16% | 1.40× | 18.5% | 16.1% |
| Bank of Baroda BANKBARODA.NS | India | $13.7B | -7% | +8% | 12% | 0.74× | 13.2% | 11.8% |
| Canara Bank CANBK.NS | India | $11.8B | -10% | -7% | 17% | 0.87× | 17.1% | 16.8% |
| Bankinter BKT.MC | Spain | $14.5B | +4% | 0% | 18% | 1.87× | 12.4% | 17.6% |
| China Zheshang Bank 2016.HK | Hong Kong | $11.5B | -3% | +1% | 7% | 0.31× | 3.9% | 7.3% |
| Union Bank of India UNIONBANK.NS | India | $15.1B | +12% | 0% | 16% | 0.99× | 16.4% | 16.3% |
| FinecoBank FBK.MI | Italy | $15.4B | +3% | +5% | 32% | 5.71× | 43.8% | 32.3% |
| Punjab National Bank PNB.NS | India | $15.4B | +16% | +3% | 15% | 0.90× | 17.0% | 15.1% |
| Hua Xia Bank 600015.SS | China | $15.7B | -5% | -1% | 8% | 0.32× | 1.8% | 7.6% |
| Shinkin Central Bank Pfd Subs Cert 8421.T | Japan | $10.3B | -1% | +47% | 3% | 1.02× | 4.4% | 3.0% |
| UMB Financial UMBF | United States | $10.2B | +2% | +17% | 14% | 1.34× | 11.2% | 13.5% |
| SouthState Bank SSB | United States | $10.1B | +8% | +18% | 10% | 1.11× | 9.3% | 10.3% |
| WooriFinancialGroup 316140.KS | South Korea | $17.0B | -5% | +37% | 10% | 0.71× | 4.8% | n/a |
| Banco Santander (Brasil) S.A. Sponsored ADR BSBR | United States | $17.4B | -20% | +18% | 10% | 2.10× | 12.6% | 10.2% |
| Zions Bancorporation NA Depositary Shs Repr 1/40th Int Ser A Flt Rt Non Cum Perp Pfd ZIONP | United States | $9.72B | -16% | +4% | 16% | 0.31× | 4.0% | 16.5% |
| mBank MBK.WA | Poland | $17.7B | +37% | -1% | 19% | 3.05× | 37.6% | 19.1% |
| First Financial 2892.TW | Taiwan | $17.8B | +44% | +5% | 11% | 1.95× | 5.8% | 10.9% |
| Unicaja Banco UNI.MC | Spain | $9.53B | +20% | -3% | 10% | 1.34× | 12.2% | 10.1% |
| Old National Bancorp ONB | United States | $9.43B | +3% | +18% | 12% | 1.17× | 10.3% | 11.5% |
| AL Sydbank A/S ALSYDB.CO | Denmark | $9.20B | +37% | +27% | 10% | 1.78× | 6.3% | 9.6% |