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Guangzhou Rural Commercial Bank Co. Ltd. Class H

Guangzhou Rural Commercial Bank Co. Ltd. Class H

HHKEX:1551
1.46
HKD
-0.03
(-2.01%)
21.92BMarket Cap
Guangzhou Rural Commercial Bank Co. Ltd. Class H
HKEX:1551
(Hong Kong Exchange)

Recent

price

1.46

P/E

ratio

- -

div

yld

- -

ROIC.AI

2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
CNY
1.46
1.69
1.59
1.49
2.08
2.28
2.09
2.25
1.88
1.55
1.09
1.03
- -
Revenue per Share
0.56
0.52
0.52
0.63
0.67
0.77
0.45
0.26
0.25
0.17
0.1
0.15
- -
Basic EPS, GAAP
4.38
6.66
-2.82
-0.8
-3.6
-0.45
3.06
1.22
3
-0.87
-2.56
0.84
- -
Free Cash Flow per Basic Share
0.21
0.24
0.17
0.18
0.2
0.2
0.27
0.26
0.16
0.16
0.09
0.07
- -
Dividend per Share
3.2
3.52
3.74
4.69
5.39
5.97
6.08
6.13
6.22
5.48
5.75
6.5
6.5
Book Value per Share
3.19
3.51
3.72
4.62
5.25
5.77
5.88
5.96
6.05
5.34
5.6
6.37
6.37
Tangible Book Value per Share
9,592
9,592
9,592
9,024
9,808
9,808
9,808
9,859
11,451
11,476
14,410
14,410
14,410
Basic Weighted Avg Shares
13,961
16,215
15,240
13,470
20,379
22,384
20,499
22,194
21,494
17,752
15,708
14,902
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
492
527
535
536
586
926
895
885
723
673
613
651
- -
Depreciation Expense
5,375
5,001
5,026
5,709
6,526
7,520
5,081
3,175
3,492
2,634
2,081
2,122
- -
Net Income, GAAP
22.3
22.22
21.72
21.73
21.59
20.05
16.08
15.28
10.48
- -
- -
- -
- -
Effective Tax Rate (%)
38.5
30.84
32.98
42.38
32.03
33.6
24.79
14.31
16.25
14.84
13.25
14.24
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
12,522
26,458
101,970
110,476
75,310
90,195
87,650
119,846
134,370
136,976
186,132
164,662
164,662
LT Debt
32,587
35,696
37,840
48,478
55,581
73,709
75,885
86,885
88,249
96,541
102,918
101,096
101,096
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
9.33
4.9
3.7
4.29
4.84
2.98
1.39
1.37
- -
- -
- -
- -
Return on Capital (%)
- -
15.52
14.44
13.94
13.2
13.5
7.47
3.96
4.06
2.65
1.75
2.4
- -
Return on Common Equity (%)

Capital Structure

CNY

•

in mil. unless spec.
Dec'24
Jun'25
Dec'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
12,000
12,000
- -
Shares Outstanding
14,410
14,410
14,410
Market Capitalization
21,935
20,456
19,695

Working Capital

CNY

•

in mil. unless spec.
Dec'24
Jun'25
Dec'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
161,029
171,309
187,178
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

CNY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
11.46%
6.06%
-1.77%
Free Cash Flow
-55.55%
27%
-132.59%
Net Income, GAAP
-5.99%
-14.23%
1.98%
Sales/Revenue/Turnover
0.61%
-5.79%
-5.13%
Total Cash Common Dividend
- -
- -
70.38%

Semi-annual Revenue

CNY

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
17,752
2024
- -
- -
15,708
2025
- -
- -
14,902

Semi-annual Earnings Per Share

CNY

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
0.17
2024
- -
- -
0.1
2025
- -
- -
0.15

Semi-annual Dividends Per Share

CNY

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
0.16
2024
- -
- -
0.09
2025
- -
- -
0.07
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Business
Guangzhou Rural Commercial Bank Co., Ltd. delivers a broad spectrum of financial solutions. The institution structures its operations across Corporate Banking, Retail Banking, and Financial Market Business divisions, alongside other ancillary services. Within its Corporate Banking segment, the bank facilitates various financing options, including working capital, fixed asset, trade, and small and medium-sized enterprise funding. It also manages domestic and international settlements, provides bill acceptance and discounting, and offers financial leasing products. The Retail Banking division caters to individual clients with demand and time deposit accounts, a range of personal and mortgage loans, credit cards, and specialized wealth management offerings. Through its Financial Market Business, the bank engages in money market placements, inter-bank activities, investment and repurchase transactions, and foreign exchange services. The bank emphasizes a robust digital presence, offering internet, mobile, SMS, WeChat, and telephone banking, alongside e-commerce platforms. Established in 1952 and headquartered in Guangzhou, People's Republic of China, the bank has grown to become a significant regional player. It maintains an extensive network of physical and digital service channels, including numerous ATMs and branches spread across Guangzhou, as well as locations in other Guangdong cities like Foshan, Qingyuan, Heyuan, Zhaoqing, and Zhuhai. Beyond Guangdong, it has established or invested in rural banks in multiple provinces across China. Recent strategic movements include a partnership in January 2023 with The Bank of East Asia to enhance cross-boundary wealth management initiatives. Furthermore, the bank recently concluded its 2025 extraordinary general meeting, where an asset transfer proposal received strong shareholder approval. With total assets exceeding RMB 1.3 trillion as of 2023, Guangzhou Rural Commercial Bank continues to strengthen its position within China's banking sector.