Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd

$ 4.65 -1.90 %

Zhejiang Shaoxing RuiFeng Rural Commercial Bank Co.,Ltd is a commercial bank operating in China, offering a comprehensive suite of financial products and services. For individual clients, the bank provides diverse wealth management options, including various financial instruments, investments in precious metals and funds, insurance policies, and asset management solutions. Its deposit offerings encompass a range of account types such as savings, demand, time, structured, and notice deposits, in addition to certificates of deposit. The loan portfolio caters to diverse needs, featuring personal, business, consumer, mortgage, operating capital, and quick "e-flash" loans. Customers can also access a variety of payment cards, including standard credit and debit cards, premium gold and platinum cards, and exclusive VIP privilege cards. Additionally, the bank facilitates convenient digital banking through its mobile and online platforms. Beyond individual services, the bank extends its offerings to corporate clients through financial management solutions and comprehensive settlement services. These include payment collection and commitment, interbank transfers, electronic exchanges, bank drafts, local entrusted collections, transfer checks, and promissory notes. Furthermore, it provides an extensive array of international business and foreign exchange services. These encompass cross-border RMB transactions, various import and export financing options (such as documentary collections, letters of credit, factoring, and forfaiting), foreign exchange loans and deposits, guarantees, remittances, and spot foreign exchange settlement and sale. The bank maintains a substantial presence with a network of 26 branches and 79 branch offices, totaling 105 operational outlets. Established in 1987, its headquarters are situated in Shaoxing, China.

CEO: Gangliang Chen - https://www.borf.cn

Price objectif

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Recommandation

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DCF

$ -3.63

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601528.SS vs S&P500

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Quick ratio

0.17

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

4.65

may indicate that the company is undervalued or has poor growth prospects.

EPS

1.00

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

10.03 %

reflects reasonable profitability, showing good use of equity.

ROIC

2.35 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

9.48

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.45

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

10.04

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

20.80 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
7 indicates good financial health
Altman score
-0.62 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.11 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.04 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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