Guangzhou Rural Commercial Bank Co Ltd
Guangzhou Rural Commercial Bank Co Ltd operates as a commercial bank within the Financials sector, generating revenue through interest income and banking services in the Chinese market.
Business. Guangzhou Rural Commercial Bank Co Ltd (1551.HK) is a commercial bank headquartered in Guangzhou, operating within the Banking Services industry. The company generates revenue primarily through interest income, consistent with standard commercial banking activities. It is listed on the Hong Kong Stock Exchange. Specific details regarding operating segments and geographic revenue mix are not available.
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- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
Guangzhou Rural Commercial Bank Co Ltd (1551.HK) is a commercial bank headquartered in Guangzhou, operating within the Banking Services industry. The company generates revenue primarily through interest income, consistent with standard commercial banking activities. It is listed on the Hong Kong Stock Exchange. Specific details regarding operating segments and geographic revenue mix are not available.
(a) Capital structure and liquidity are defined by a total asset base of 1,380,008,471,000 CNY and total liabilities of 1,286,278,346,000 CNY, resulting in total equity of 93,730,125,000 CNY. The bank carries long-term debt of 184,007,328,000 CNY, yielding a debt-to-equity ratio of 1.96. Operating cash flow stands at 12,372,614,000 CNY, while free cash flow is 2,093,470,000 CNY after capital expenditures of -339,848,000 CNY. The risk assessment flags medium liquidity risk and notes that net cash is negative after subtracting total debt.
(b) Profitability metrics indicate a net income of 2,121,879,000 CNY on revenue of 13,688,671,000 CNY. The return on equity is 0.0226, and the return on assets is 0.0015. These returns are low relative to typical banking benchmarks, suggesting margin compression or asset quality pressures. The valuation snapshot shows a price-to-earnings ratio of 10.19 and a price-to-book ratio of 0.23, indicating the market values the equity at a significant discount to its book value.
- The bank trades at a significant discount to book value with a P/B ratio of 0.23.
- Return on equity is low at 0.0226, indicating weak profitability relative to equity base.
- Liquidity risk is assessed as medium, with negative net cash after debt subtraction.
- Dilution risk is low, with basic and diluted shares outstanding being identical.
- Historical growth data is absent, limiting trend analysis.
- Debt-to-equity ratio of 1.96 reflects high leverage typical of banking operations.
Bull / Bear case
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- Net cash is negative after subtracting total debt.
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- Market Priceinput from market-data provider (delayed close or quote-shim mid)
- Cash Conversion Ratiooperating_cash_flow / net_income
- Market Capmarket_price * shares_outstanding_diluted
- Ev To Operating Cash Flowenterprise_value / operating_cash_flow
- Price To Tangible Bookmarket_price / (tangible_book_value / shares_outstanding_diluted)
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Guangzhou Rural Commercial Bank Co Ltd Market data — financials · 2026-07-08
Ownership & reference
Leadership
- Jian CaiExecutive Chairman of the Board