Guangzhou Rural Commercial Bank Co Ltd

Chart & Performance

D1W1MN

P/E

7.81

P/S

1.18

EPS

0.18

Div Yield, %

2.91%

Shrs. gr., 5y

3.19%

Rev. gr., 5y

3.35%

Revenues

8.06b

-53.90%

Net income

2.08b

-21.02%

CFO

-62.97b

L+564.90%

Dividend

Jun 17, 20240.043925 HKD/sh

Earnings

Aug 27, 2025

Profile

Guangzhou Rural Commercial Bank Co., Ltd. provides banking services. It operates through Corporate Banking, Retail Banking, Financial Market Business, and Others segments. The company offers demand and time deposits; personal consumption and mortgage loans; residential mortgage loans; credit cards overdraft; and personal finance products. It also provides corporate financing products, such as working capital, fixed assets, and trade and SME financing services, as well as finance leasing services. In addition, the company offers investment banking services; short, medium, and long-term loans; and domestic and international settlements, and bill acceptance and discounting services. Further, it provides money market placements, investments and repurchasing, and foreign exchange services; inter-bank placements; debit and credit cards; payment collection and insurance agency, safe locker, advisory and attestation, fund and insurance assets trusteeship, and cash management services; and agency services for issuing and underwriting government bonds. Additionally, the company trades in government and financial bonds; and provides discounted bill, wealth management, and private banking services, as well as Internet, telephone, SMS, mobile, and WeChat banking services. As of December 31, 2021, it had 635 outlets; 5 branches in Foshan, Qingyuan, Heyuan, Zhaoqing, and Zhuhai province, as well as 12 sub-branches and 1 sub-office; 1,597 ATM's; and 578 self-service inquiry terminals, 324 smart service terminals, and 250 smart banking outlets. The company was formerly known as Guangzhou Rural Credit Cooperative Unions and changed its name to Guangzhou Rural Commercial Bank Co., Ltd. The company was founded in 1952 and is headquartered in Guangzhou, the People's Republic of China.

URL

https://www.grcbank.com/

IPO date

Jun 20, 2017

Employees

12,995

Domiciled in

Incorporated in

Valuation

Order:

Title CNY in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title CNY in thousands, except ratios and share amounts	2024‑12	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12
Income
Revenues	8,062,739 -53.90%	17,491,404 46.76%	11,918,648 8.94%
Cost of revenue	4,902,181	274,225	310,380
Unusual Expense (Income)
NOPBT	3,160,558	17,217,179	11,608,268
NOPBT Margin	39.20%	98.43%	97.40%
Operating Taxes	941,064	(346,629)	472,572
Tax Rate	29.78%		4.07%
NOPAT	2,219,494	17,563,808	11,135,696
Net income	2,080,674 -21.02%	2,634,416 -24.56%	3,492,159 9.98%
Dividends	(1,242,521)	(1,847,785)	(1,822,756)
Dividend yield	5.32%
Proceeds from repurchase of equity		6,433,246
BB yield
Debt
Debt current
Long-term debt	38,229,009		23,942,553
Deferred revenue
Other long-term liabilities	1,198,406,050	1,215,349,662	(23,942,553)
Net debt	2,622,107	(455,799,035)	(367,785,881)
Cash flow
Cash from operating activities	(62,972,085)	(9,470,911)	(18,437,618)
CAPEX	(866,013)	(501,282)	(752,751)
Cash from investing activities	(15,850,463)	(43,662,928)	(49,979,683)
Cash from financing activities	67,683,447	4,058,810	64,197,397
FCF	1,903,853	103,207,090	19,475,406
Balance
Cash	35,606,902	44,902,523	42,291,328
Long term investments		410,896,512	349,437,106
Excess cash	35,203,765	454,924,465	391,132,502
Stockholders' equity	102,918,141	51,467,120	88,249,102
Invested Capital	1,304,349,435	1,260,923,056	1,140,264,115
ROIC	0.17%	1.46%	1.01%
ROCE	0.24%	1.31%	0.94%
EV
Common stock shares outstanding	14,409,789	11,475,585	11,451,269
Price	1.62
Market cap	23,343,858
EV	34,026,199
EBITDA	3,765,355	17,897,964	12,239,165
EV/EBITDA	9.04
Interest		25,162,321	25,236,383
Interest/NOPBT		146.15%	217.40%