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Shanghai Rural Commercial Bank Co., Ltd. (601825) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated today

Shanghai Rural Commercial Bank Co., Ltd.

601825Market cap $13BPrice $1.3

Country🇨🇳China

SectorFinancials

IndustryBanks

Provides banking services to Shanghai's farmers, small businesses, and local residents, blending rural roots with big-city ambitions. As one of China's largest rural commercial banks, it bridges urban finance and agricultural credit in one of the world's richest cities.

In Bastion Portfolios?

52W Return+4%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+3%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+6%–

Rev CAGR (5y)+4%4

Earnings Forecast

EPS Growth Y+1+6%5

EPS Growth Y+2+2%4

EPS Growth Y+3+4%5

Quality

Margins

EBIT Margin0%4

Net Income Margin52%10

Free Cash Flow Margin42%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE10%4

ROA1%3

Earnings Stability77

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)710

P/E Ratio (Forward 3y)610

P/BV0.610

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%10

Dividend Yieldna–

Momentum

Short term

1 month return+0%7

3 month return+16%9

YTD return-1%5

Mid term

Price vs 52wHigh95%10

1 year return+13%6

Long term

3 year return+75%7

5 year return+66%6

Risk Shield

Price Risk

Beta-0.110

Volatility21%9

Free Cash Flow

Free Cash Flow Margin42%10

Free Cash Flow Yield0.0%10

Quality

ROCE5%3

Earnings Stability77

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

601825Shanghai Rural Commercial Bank Co.

Revenue FY25$3.4B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+3%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+6%–

Revenue, next 5Y, CAGR+4%4

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+6%5

EPS growth, FY27E+2%4

EPS growth, FY28E+4%5

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 6%/yr over the next 3 years, a little behind the market.4/10

Revenue grew 3%/yr over the last 3 years and is set to keep growing around 6%/yr.

Over five years revenue is set to grow 4%/yr, behind 60% of companies worldwide.4/10

Earnings are set to grow in step with sales (EPS about 4%/yr vs revenue 6%/yr).

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

601825Shanghai Rural Commercial Bank Co.

Total return Current45.0%

Price return Current21.9%

MOMENTUM RATING↗

STRONG84 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+0%7

3-month return+16%9

YTD return-1%5

MID & LONG-TERM▾SCORE

% of 52-week high95%10

1-year return+13%6

3-year return+75%7

5-year return+66%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +75% over three years and +66% over five, ahead of 60% of the market.

It's up 13% over the past year, now 5% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+0%) and over three months (+16%).

WATCH

Returns sit at the market level so far this year (-1%).

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Shanghai Rural Commercial Bank Co., Ltd.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

601825Shanghai Rural Commercial Bank Co.

Revenue FY25$3.4B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+3%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+6%–

Revenue, next 5Y, CAGR+4%4

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+6%5

EPS growth, FY27E+2%4

EPS growth, FY28E+4%5

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 6%/yr over the next 3 years, a little behind the market.4/10

Revenue grew 3%/yr over the last 3 years and is set to keep growing around 6%/yr.

Over five years revenue is set to grow 4%/yr, behind 60% of companies worldwide.4/10

Earnings are set to grow in step with sales (EPS about 4%/yr vs revenue 6%/yr).

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

601825Shanghai Rural Commercial Bank Co.

Total return Current45.0%

Price return Current21.9%

MOMENTUM RATING↗

STRONG84 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+0%7

3-month return+16%9

YTD return-1%5

MID & LONG-TERM▾SCORE

% of 52-week high95%10

1-year return+13%6

3-year return+75%7

5-year return+66%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +75% over three years and +66% over five, ahead of 60% of the market.

It's up 13% over the past year, now 5% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+0%) and over three months (+16%).

WATCH

Returns sit at the market level so far this year (-1%).

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Shanghai Rural Commercial Bank Co., Ltd.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community