Chongqing Rural Commercial Bank Co., Ltd.

SSE

601077

Stock

Yield per half year: +20.18%
Dividend yield: 0%
Sector: Financials

Reporting Chongqing Rural Commercial Bank Co., Ltd.

Capitalization

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ¥										40.28
Выручка, млрд ¥	19.06	20.24	19.91	26.59	27.24	31	28.88	26.81	27.68	27.68	28.32	0.32
Чистая прибыль, млрд ¥	7.94	8.94	9.06	9.76	8.4	9.56	10.28	10.9	11.51	11.51	10.13	6.50
EV, млрд ¥						99.57	63.89	67.64		63.89	77.03	-12.09
Баланс стоимость, млрд ¥	52.59	63.69	70.75	88.21	93.67	104.95	113.72	122.17	132.13	132.13	113.33	7.12
FCF, млрд ¥		-20.15	-81.81	23.01	41.58	40.35	70.29	38.42	4.11	4.11	38.95	-37.05
Операционный денежный поток, млрд ¥	-58.96	-54.57	-55.81	-17.23	-32.49	13.98	70.9	39.46	4.6	4.6	19.29	-167.64
Операционная прибыль, млрд ¥	13.21										13.21	0.00
CAPEX, млрд ¥	0.7091	0.7862	0.5913	0.8375	0.7901	0.8807	0.6109	1.04	0.4902	0.4902	0.7624	-9.11

	2020Q1	2020Q2	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q2	2024Q4	5 quarters average	CAGR 5
Выручка, млрд ¥	6.95	6.39						7.22	6.33			7.02				6.78	0.20
Чистая прибыль, млрд ¥				3.02	0.8083	3.62	2.76	2.86	1.03	3.95	3.03	2.97	0.9474			2.39	-1.66
EV, млрд ¥					99.57		59.98		63.89							74.48	-13.75
Баланс стоимость, млрд ¥		90.75	96.99		104.95		110		113.72		118.31	120.53	122.17	127.37	132.13	124.10	2.23
FCF, млрд ¥	40.93	17.15						15.88	-9.87			-10.22				10.77	-175.77
Операционный денежный поток, млрд ¥			-2.55	8.09	24.76	-0.7282	1.06	-5.63	-39.5	-39.5	-15.66	-10.08				-22.0740	12.35
CAPEX, млрд ¥			0.0443	0.2931	0.3849	0.0793	0.1318	0.1248	0.3673	0.3673	0.1273	0.1387				0.2251	2.13

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ¥	232.99	245.03	256.69	223.41	264.26	169.44	147.56	240.07	215.15	215.15	207.30	-4.03
Long term investments ¥	162.56	238.91	312.47	377.45	368.96	522.08	573.45	599.28			488.24	9.69
Total Current Assets ¥	245.23	254.65	278.09	247.4	234.45	219.05					246.73	-2.97
Чистые активы, млрд ¥	5.2	5	4.84	5.15	5.09	5.12					5.04	0.48
Активы, млрд ¥	803.16	905.78	950.62	1 030.23	1 136.37	1 266.29	1 352.3	1 441.52	1 515.38	1 515.38	1342.37	5.93
Задолженность, млрд ¥	748.97	840.53	878.47	940.43	1 041.29	1 159.81	1 236.84	1 317.58	1 381.33	1 381.33	1227.37	5.81
Чистый долг, млрд ¥						55.85	24.03	24.03		24.03	34.64	-24.51
Долг, млрд ¥										343.13
Interest income ¥	32.87	39.29	39.72	45.05	45.86	51.75	51.26	49.89			48.76	2.06
Расходы на обслуживание долга ¥			19.71	21.76	21.61	25.51	25.85	26.39	24.59	24.59	24.79	2.62
Чист. проц. доходы, млрд ¥	19.4	21.5	20.01	23.29	24.25	26.23	25.4	23.49		49.89	24.53	0.17
Goodwill ¥	0.4401	0.4401	0.4401	0.4401	0.4401	0.4401	0.4401	0.4401			0.4401	0.00
Товарно материальные запасы ¥	0.1146	0.1128	0.1039	0.101	0.0795	0.039					0.0872	-19.14

	2019Q4	2020Q1	2020Q2	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q2	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ¥			262.19			226.97		169.44		160.15		147.56		171.16	162.46	240.07	160.41	215.15	189.85	4.68
Long term investments ¥	377.45	389.94	332.01			435.58		522.08		545.27		573.45		601.83	613.2	599.28			586.61	1.91
Total Receivables ¥			2.46											0.9083					1.68	-39.24
Total Current Assets ¥				234.45	236.23	231.04	225.13	219.05	225.22	228.21	241.71		252.09	265.73					242.59	3.36
Чистые активы, млрд ¥				5.09	5.02	4.92	5.02	5.12	5	4.91	4.84		4.94	5.02					4.94	0.08
Активы, млрд ¥			1 073.08			1 224.22		1 266.29		1 316.26		1 352.3		1 438.79	1 447.46	1 441.52	1 509.87	1 515.38	1470.60	1.04
Задолженность, млрд ¥			980.65			1 125.74		1 159.81		1 204.61		1 236.84		1 318.62	1 325	1 317.58	1 380.61	1 381.33	1344.63	0.93
Чистый долг, млрд ¥								55.85		15		24.03							31.63	-24.51
Interest income ¥		11.38	11.31								12.5	12.78			12.62				12.12	2.09
Расходы на обслуживание долга ¥		5.45	5.23								6.45	6.22			6.72				6.01	4.28
Чист. проц. доходы, млрд ¥		5.93	6.09								6.05	6.56			5.9				6.11	-0.10
Goodwill ¥	0.4401	0.4401	0.4401			0.4401		0.4401		0.4401		0.4401		0.4401	0.4401	0.4401			0.4401	0.00
Товарно материальные запасы ¥			0.101	0.0795		0.08		0.039		0.0392				0.035					0.0545	-15.13

Share

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	0.9058	0.1	0.7457	0.846	0.9048	0.96	1.01		1.01	0.8933	6.26
Цена акции ао		6.7	4.5	3.85	3.53	4.08	6.05	6.85	6.85	4.87	12.21
Число акций ао, млн	10000	11357	11357	11357	11357	11357	11357		11357	11357.00	0.00
FCF/акцию	-8.18	2.03	3.66	3.55	6.19	3.38	0.3617		0.3617	3.43	-37.05

	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2025Q2	5 quarters average	CAGR 5
EPS	0.286	0.22	0.27	0.07	0.32	0.24	0.24	0.08	0.091		0.2614			0.1825	1.72
Цена акции ао				3.84	3.92	3.9	3.59	3.56	3.6	3.9	3.82	4.12	6.85	4.46	13.73
FCF/акцию								-0.8689			-0.8996			-0.8842	1.75

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	15.11	14.03	12.8	11.06	8.97	9.11	9.4	9.24	9.05		9.05	9.76	9.15	0.18
ROA, %	0.9892	0.9866	0.9529	0.9474	0.7393	0.7549	0.7848	0.7805	0.7787		0.7787	1.40	0.7676	1.04
ROS, %		44.15	45.5	36.71	30.84	30.84	35.58	40.66	41.59	41.59	41.59	32.13	38.05	6.16
ROCE, %										0	0	0.00
Ebit margin, %										0	0
Рентаб EBITDA, %										0	0	6.21
Чистая рентаб, %	41.68	44.15	45.5	36.71	30.84	30.84	35.58	40.66	41.59		41.59	32.13	35.90	6.16
Operation Margin, %	69.31							0	0	0	0	3.35	69.31	0.00

	2020Q1	2020Q2	2021Q2	2021Q4	2022Q2	2022Q3	2022Q4	2023Q2	2023Q3	2023Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %	3.36	2.32	2.56	0.7702	2.51		0.9089	2.57	3.78	0.7755		9.76	2.11	-20.94
ROA, %	0.2934	0.196	0.203	0.0638	0.2097		0.0764	0.2109	0.2057	0.0657		1.40	0.1537	-20.71
ROS, %	44.3	32.9				39.63	16.33		42.28		41.59	32.13	34.55	4.80
Чистая рентаб, %	44.3	32.9				39.63	16.33		42.28			32.13	35.09	-0.93

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	7.88	6.08	4.57	3.88	4.28	5.97		5.97	18.94	4.96	-0.36
P/BV	0.8562	0.5376	0.4106	0.3453	0.3766	0.5126		0.5126	1.00	0.4365	-0.95
P/S	2.89	1.88	1.41	1.38	1.74	2.48		2.48	3.85	1.78	5.70
P/FCF					0.5731	1.05	9.81	9.81	2.14	3.81	157.72
E/P					0.2552	0.2707	0.2858	0.2858	0.17	0.2706	3.85
EV/EBIT						0	0	0
EV/S			3.21	2.21	2.21	2.38	2.31	2.31	3.23	2.46	-6.37
EV/FCF			2.47	0.909		1.66	15.56	15.56	2.25	5.15	58.43
Debt/EBITDA					0	0	0	0	1.18
Netdebt/Ebitda					0	0	0	0	0.48
Debt/Ratio					0.2537	0.238	0.2264	0.2264	0.22	0.2394	-3.72
Debt/Equity					0	0	10.3	10.3	8.39	10.30	0.00
Debt/Net Income					33.38	31.47	29.8	29.8	32.58	31.55	-3.71
PEG							65.97	65.97		65.97	0.00
Бета					-1.48	0.5868	0.4049	0.4049	0.08	-0.1628	-164.92
Индекс Альтмана					0.0677	0.0627	0.0608	0.0608	0.66	0.0637	-3.52

	2021Q4	2022Q2	2022Q4	2023Q2	2023Q3	2023Q4	2024Q2	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E			38.56		11.35						18.94	24.96	-45.75
P/BV	0.4106	0.4028	0.3453	0.3638	0.371	0.3766	0.4446	0.5126			1.00	0.4137	7.10
P/S			6.3		3.4						3.85	4.85	-26.54
P/FCF										9.81	2.14	9.81	0.00
E/P										0.2858	0.17	0.2858	0.00
EV/S			10.09							2.31	3.23	6.20	-52.15
EV/FCF										15.56	2.25	15.56	0.00
Debt/Ratio										0.2264	0.22	0.2264	0.00
Debt/Equity										10.3	8.39	10.30	0.00
Debt/Net Income										29.8	32.58	29.80	0.00
PEG										65.97		65.97	0.00
Бета									0.0842	0.4049	0.08	0.2445	119.29
Индекс Альтмана									0.0627	0.0608	0.66	0.0617	-1.53

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	1.73	1.97	2.01	1.99	2.62	2.52	3.32	3.51				2.79	12.02
Дивиденд					0.23	0.222	0.2525	0.2714		0		0.2440	4.22
Див доход, ао, %					4.4	5.48	12.89	14.39		0	0.94	9.29	34.48
Дивиденды / прибыль, %	21.74	22.03	22.23	20.38	31.14	26.38	29.48	30.45	30.53	30.53	94.35	29.60	-0.39

	2020Q2	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд		2.32	0.1824	0.0134	0	2.61	0.4175	3.12	3.12	3.12	0.2041		2.00	-13.34
Дивиденд	0.23	0.222				0.2525				0.2714			0.2440	4.22
Див доход, ао, %	4.58	5.29				6.48				6.95		0.94	5.83	10.99
Дивиденды / прибыль, %		93.45	6.04	1.66	2.8E-5	94.62	14.58	301.46	78.86	102.69	6.88	94.35	100.89	-13.95

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	15 167	15 167	0.00

	CAGR 5

	CAGR 5