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How does 601860.SS make money? Does 601860.SS have pricing power? What's the Earnings Whisper? Will 601860.SS profit more as the business scales? What is 601860.SS's management track record? Is 601860.SS's current price justified?

Jiangsu Zijin Rural Commercial Bank Co.,Ltd

¥2.59 -$0.18 (-6.50%)

SHH · 15 Sep 2026 07:00 UTC

Previous Close

¥2.63

Day Range

¥2.59¥2.64

Year Range

¥2.4¥2.98

Market Cap

9.48B

AVG Volume

45.34M

Trailing/Forward PE

7.39/7.19

PEG ratio

2.58

Dividend Yield

3.86%

Next Earnings Date

Primary Exchange

Shanghai Stock Exchange

Revenue (CNY)

601860.SS Revenue (CNY) by year
Period	Revenue (CNY)
2025	7.11B
2024	6.38B
2023	3.68B
2022	3.74B
2021	3.46B
2020	2.98B
2019	3.08B
2018	2.94B
2017	2.72B
2016	2.43B

Net Income (CNY)

601860.SS Net Income (CNY) by year
Period	Net Income (CNY)
2025	1.24B
2024	1.62B
2023	1.62B
2022	1.6B
2021	1.52B
2020	1.44B
2019	1.42B
2018	1.25B
2017	1.11B
2016	1.03B

Operating Income (CNY)

601860.SS Operating Income (CNY) by year
Period	Operating Income (CNY)
2025	1.43B
2024	2.04B
2023	1.8B
2022	2.36B
2021	1.73B
2020	1.54B
2019	1.51B
2018	1.52B
2017	1.45B
2016	1.35B

EBITDA (CNY)

601860.SS EBITDA (CNY) by year
Period	EBITDA (CNY)
2025	1.36B
2024	1.97B
2023	2.14B
2022	2.04B
2021	1.89B
2020	2.63B
2019	2.56B
2018	1.49B
2017	3.73B
2016	1.25B

Cash Flows (CNY)

601860.SS Cash Flows (CNY) by year
Period	Cash Flows (CNY)
2025	2.33B
2024	2.72B
2023	15.7B
2022	6.43B
2021	-23.21B
2020	13.02B
2019	9.96B
2018	2.67B
2017	8.21B
2016	930.74M

EPS (CNY)

601860.SS EPS (CNY) by year
Period	EPS (CNY)
2025	0.31
2024	0.39
2023	0.39
2022	0.39
2021	0.38
2020	0.39
2019	0.39
2018	0.38
2017	0.38
2016	0.33

Expenses (CNY)

601860.SS Expenses (CNY) by year
Period	Expenses (CNY)
2025	154.81M
2024	1.65B
2023	1.75B
2022	1.87B
2021	1.69B
2020	1.43B
2019	1.44B
2018	1.65B
2017	1.27B
2016	1.19B

Cash & Debt (CNY)

601860.SS Cash & Debt (CNY) by year
Period	Cash & Debt (CNY)
2025	12.35B
2024	16.7B
2023	15.02B
2022	17.6B
2021	15.82B
2020	18.11B
2019	28.48B
2018	36.24B
2017	34.92B
2016	24.74B

Debt ratios

601860.SS Debt ratios by year
Period	Debt ratios
2025	3.59
2024	0.54
2023	1.36
2022	-0.2
2021	0.62
2020	1.09
2019	0.98
2018	1.01

Margins

601860.SS Margins by year
Period	Margins
2025	44.96%
2024	68.44%
2023	100%
2022	100%
2021	100%
2020	100%
2019	100%
2018	100%
2017	100%
2016	100%

Return on Capital

601860.SS Return on Capital by year
Period	Return on Capital
2025	6.23%
2024	8.14%
2023	8.92%
2022	9.36%
2021	9.47%
2020	9.73%
2019	10.31%
2018	10.2%
2017	11.16%
2016	11.09%

Shares Outstanding

601860.SS Shares Outstanding by year
Period	Shares Outstanding
2025	3.66B
2024	3.76B
2023	3.66B
2022	4B
2021	3.66B
2020	3.58B
2019	3.52B
2018	3.64B
2017	3.16B
2016	3.16B

Dividends (CNY)

601860.SS Dividends (CNY) by year
Period	Dividends (CNY)
2026	0.1
2025	0.1
2024	0.1
2023	0.1
2022	0.1
2021	0.1
2020	0.1
2019	0.1

Book Value Per Share (CNY)

601860.SS Book Value Per Share (CNY) by year
Period	Book Value Per Share (CNY)
2025	5.46
2024	5.3
2023	4.96
2022	4.27
2021	4.37
2020	4.14
2019	3.9
2018	3.37
2017	3.15
2016	2.95

Total Assets (CNY)

601860.SS Total Assets (CNY) by year
Period	Total Assets (CNY)
2025	290.34B
2024	269.94B
2023	247.66B
2022	224.72B
2021	206.67B
2020	217.66B
2019	201.32B
2018	193.17B
2017	170.95B
2016	133.8B

PE Ratio

601860.SS PE Ratio by year
Period	PE Ratio
Sep 26	7.69
Sep 26	7.64
Sep 26	7.72
Aug 26	7.43
Aug 26	7.37
Aug 26	7.37
Aug 26	7.43
Jul 26	7.78
Jul 26	7.49
Jul 26	7.55
Jul 26	7.29
Jul 26	7.29
Jun 26	7.3
Jun 26	7.5
Jun 26	7.88
Jun 26	7.68
May 26	7.53
May 26	7.53
May 26	7.62
May 26	7.85
Apr 26	7.91
Apr 26	8
Apr 26	7.85
Apr 26	7.88
Apr 26	7.88
Mar 26	6.84
Mar 26	6.94
Mar 26	7.07
Mar 26	6.87
Feb 26	6.92
Feb 26	6.87
Feb 26	6.94
Jan 26	6.97
Jan 26	6.87
Jan 26	6.82
Jan 26	6.87
Dec 25	6.84
Dec 25	6.51
Dec 25	6.54
Dec 25	6.42
Dec 25	6.61
Nov 25	6.54
Nov 25	6.54
Nov 25	6.84
Nov 25	6.8
Oct 25	6.68
Oct 25	6.92
Oct 25	6.84
Oct 25	6.73
Sep 25	6.61
Sep 25	6.59
Sep 25	6.73
Sep 25	6.9
Sep 25	6.83
Aug 25	6.97
Aug 25	6.97
Aug 25	6.87
Aug 25	7.01
Aug 25	6.97
Jul 25	7.18
Jul 25	7.32
Jul 25	7.53
Jul 25	7.32
Jun 25	7.07
Jun 25	7
Jun 25	6.77
Jun 25	6.74
May 25	6.72
May 25	6.58
May 25	6.56
May 25	6.44
Apr 25	6.26
Apr 25	6.35
Apr 25	6.28
Apr 25	6.14
Apr 25	6.56
Mar 25	6.26
Mar 25	6.3
Mar 25	6.21
Mar 25	6.08
Feb 25	6.14
Feb 25	6.14
Feb 25	6.23
Feb 25	6.3
Jan 25	6.28
Jan 25	6.21
Jan 25	6.26
Jan 25	6.08
Jan 25	6.14
Dec 24	6.42
Dec 24	6.29
Dec 24	6.51
Dec 24	6.53
Nov 24	6.38
Nov 24	6.25
Nov 24	6.27
Nov 24	6.49
Nov 24	6.18
Oct 24	6.18
Oct 24	6.29

Free Cash Flow Yield

601860.SS Free Cash Flow Yield by year
Period	Free Cash Flow Yield
Sep 26	-94.77%
Sep 26	-95.5%
Sep 26	-94.41%
Aug 26	-98.13%
Aug 26	-98.91%
Aug 26	-98.91%
Aug 26	-98.13%
Jul 26	-93.7%
Jul 26	-97.36%
Jul 26	-96.61%
Jul 26	-100.1%
Jul 26	-100.1%
Jun 26	25.7%
Jun 26	25%
Jun 26	23.79%
Jun 26	24.42%
May 26	24.9%
May 26	24.9%
May 26	24.61%
May 26	23.88%
Apr 26	23.7%
Apr 26	23.44%
Apr 26	23.88%
Apr 26	23.79%
Apr 26	23.79%
Mar 26	-37.4%
Mar 26	-36.86%
Mar 26	-36.22%
Mar 26	-37.26%
Feb 26	-37%
Feb 26	-37.26%
Feb 26	-36.86%
Jan 26	-36.73%
Jan 26	-37.26%
Jan 26	-37.53%
Jan 26	-37.26%
Dec 25	-37.4%
Dec 25	24.31%
Dec 25	24.23%
Dec 25	24.67%
Dec 25	23.97%
Nov 25	24.23%
Nov 25	24.23%
Nov 25	23.14%
Nov 25	23.3%
Oct 25	23.71%
Oct 25	22.9%
Oct 25	23.14%
Oct 25	23.55%
Sep 25	23.97%
Sep 25	89.7%
Sep 25	87.84%
Sep 25	85.75%
Sep 25	86.63%
Aug 25	84.89%
Aug 25	84.89%
Aug 25	86.04%
Aug 25	84.32%
Aug 25	84.89%
Jul 25	82.4%
Jul 25	80.82%
Jul 25	78.56%
Jul 25	80.82%
Jun 25	23.68%
Jun 25	23.91%
Jun 25	24.73%
Jun 25	24.82%
May 25	24.9%
May 25	25.43%
May 25	25.52%
May 25	25.98%
Apr 25	26.75%
Apr 25	26.36%
Apr 25	26.65%
Apr 25	27.25%
Apr 25	25.52%
Mar 25	177.52%
Mar 25	176.25%
Mar 25	178.81%
Mar 25	182.8%
Feb 25	180.79%
Feb 25	180.79%
Feb 25	178.17%
Feb 25	176.25%
Jan 25	176.88%
Jan 25	178.81%
Jan 25	177.52%
Jan 25	182.8%
Jan 25	180.79%
Dec 24	57.62%
Dec 24	58.84%
Dec 24	56.84%
Dec 24	56.65%
Nov 24	58.02%
Nov 24	59.25%
Nov 24	59.04%
Nov 24	57.03%
Nov 24	59.89%
Oct 24	59.89%
Oct 24	58.84%

Price to Sales

601860.SS Price to Sales by year
Period	Price to Sales
Sep 26	1.35
Sep 26	1.34
Sep 26	1.35
Aug 26	1.3
Aug 26	1.29
Aug 26	1.29
Aug 26	1.3
Jul 26	1.36
Jul 26	1.31
Jul 26	1.32
Jul 26	1.28
Jul 26	1.28
Jun 26	1.28
Jun 26	1.31
Jun 26	1.38
Jun 26	1.34
May 26	1.32
May 26	1.32
May 26	1.33
May 26	1.37
Apr 26	1.38
Apr 26	1.4
Apr 26	1.37
Apr 26	1.38
Apr 26	1.38
Mar 26	1.36
Mar 26	1.38
Mar 26	1.41
Mar 26	1.37
Feb 26	1.38
Feb 26	1.37
Feb 26	1.38
Jan 26	1.39
Jan 26	1.37
Jan 26	1.36
Jan 26	1.37
Dec 25	1.36
Dec 25	1.36
Dec 25	1.37
Dec 25	1.34
Dec 25	1.38
Nov 25	1.37
Nov 25	1.37
Nov 25	1.43
Nov 25	1.42
Oct 25	1.4
Oct 25	1.45
Oct 25	1.43
Oct 25	1.41
Sep 25	1.38
Sep 25	1.7
Sep 25	1.73
Sep 25	1.77
Sep 25	1.76
Aug 25	1.79
Aug 25	1.79
Aug 25	1.77
Aug 25	1.8
Aug 25	1.79
Jul 25	1.85
Jul 25	1.88
Jul 25	1.94
Jul 25	1.88
Jun 25	1.8
Jun 25	1.78
Jun 25	1.72
Jun 25	1.72
May 25	1.71
May 25	1.67
May 25	1.67
May 25	1.64
Apr 25	1.59
Apr 25	1.62
Apr 25	1.6
Apr 25	1.56
Apr 25	1.67
Mar 25	2.05
Mar 25	2.06
Mar 25	2.03
Mar 25	1.99
Feb 25	2.01
Feb 25	2.01
Feb 25	2.04
Feb 25	2.06
Jan 25	2.06
Jan 25	2.03
Jan 25	2.05
Jan 25	1.99
Jan 25	2.01
Dec 24	2.88
Dec 24	2.83
Dec 24	2.92
Dec 24	2.93
Nov 24	2.87
Nov 24	2.81
Nov 24	2.82
Nov 24	2.91
Nov 24	2.78
Oct 24	2.78
Oct 24	2.83

EV/EBITDA

601860.SS EV/EBITDA by year
Period	EV/EBITDA
Sep 26	26.59
Sep 26	26.54
Sep 26	26.61
Aug 26	26.35
Aug 26	26.3
Aug 26	26.3
Aug 26	26.35
Jul 26	26.66
Jul 26	26.41
Jul 26	26.46
Jul 26	26.22
Jul 26	26.22
Jun 26	26.52
Jun 26	26.7
Jun 26	27.05
Jun 26	26.87
May 26	26.73
May 26	26.73
May 26	26.81
May 26	27.03
Apr 26	27.08
Apr 26	27.16
Apr 26	27.03
Apr 26	27.05
Apr 26	27.05
Mar 26	19.84
Mar 26	19.92
Mar 26	20.03
Mar 26	19.86
Feb 26	19.9
Feb 26	19.86
Feb 26	19.92
Jan 26	19.95
Jan 26	19.86
Jan 26	19.82
Jan 26	19.86
Dec 25	19.84
Dec 25	4.18
Dec 25	4.2
Dec 25	4.1
Dec 25	4.26
Nov 25	4.2
Nov 25	4.2
Nov 25	4.46
Nov 25	4.42
Oct 25	4.32
Oct 25	4.52
Oct 25	4.46
Oct 25	4.36
Sep 25	4.26
Sep 25	12.43
Sep 25	12.55
Sep 25	12.69
Sep 25	12.63
Aug 25	12.75
Aug 25	12.75
Aug 25	12.67
Aug 25	12.79
Aug 25	12.75
Jul 25	12.93
Jul 25	13.05
Jul 25	13.23
Jul 25	13.05
Jun 25	8
Jun 25	7.94
Jun 25	7.75
Jun 25	7.73
May 25	7.72
May 25	7.6
May 25	7.58
May 25	7.49
Apr 25	7.33
Apr 25	7.41
Apr 25	7.35
Apr 25	7.24
Apr 25	7.58
Mar 25	12.63
Mar 25	12.67
Mar 25	12.59
Mar 25	12.48
Feb 25	12.54
Feb 25	12.54
Feb 25	12.61
Feb 25	12.67
Jan 25	12.65
Jan 25	12.59
Jan 25	12.63
Jan 25	12.48
Jan 25	12.54
Dec 24	24.17
Dec 24	24.07
Dec 24	24.23
Dec 24	24.25
Nov 24	24.13
Nov 24	24.03
Nov 24	24.05
Nov 24	24.22
Nov 24	23.98
Oct 24	23.98
Oct 24	24.07

Price/Operating Cashflow

601860.SS Price/Operating Cashflow by year
Period	Price/Operating Cashflow
Jun 26	3.82
Jun 26	3.93
Jun 26	4.13
Jun 26	4.02
May 26	3.94
May 26	3.94
May 26	3.99
May 26	4.11
Apr 26	4.14
Apr 26	4.19
Apr 26	4.11
Apr 26	4.13
Apr 26	4.13
Dec 25	4.04
Dec 25	4.05
Dec 25	3.98
Dec 25	4.1
Nov 25	4.05
Nov 25	4.05
Nov 25	4.24
Nov 25	4.21
Oct 25	4.14
Oct 25	4.29
Oct 25	4.24
Oct 25	4.17
Sep 25	4.1
Sep 25	1.12
Sep 25	1.15
Sep 25	1.17
Sep 25	1.16
Aug 25	1.19
Aug 25	1.19
Aug 25	1.17
Aug 25	1.19
Aug 25	1.19
Jul 25	1.22
Jul 25	1.25
Jul 25	1.28
Jul 25	1.25
Jun 25	4.15
Jun 25	4.11
Jun 25	3.98
Jun 25	3.96
May 25	3.95
May 25	3.87
May 25	3.85
May 25	3.79
Apr 25	3.68
Apr 25	3.73
Apr 25	3.69
Apr 25	3.61
Apr 25	3.85
Mar 25	0.56
Mar 25	0.57
Mar 25	0.56
Mar 25	0.55
Feb 25	0.55
Feb 25	0.55
Feb 25	0.56
Feb 25	0.57
Jan 25	0.57
Jan 25	0.56
Jan 25	0.56
Jan 25	0.55
Jan 25	0.55
Dec 24	1.73
Dec 24	1.69
Dec 24	1.75
Dec 24	1.76
Nov 24	1.72
Nov 24	1.68
Nov 24	1.69
Nov 24	1.75
Nov 24	1.66
Oct 24	1.66
Oct 24	1.69
Oct 24	1.64
Sep 24	1.77
Jun 24	0.58
Jun 24	0.58
Jun 24	0.59
Jun 24	0.59
May 24	0.63
May 24	0.64
May 24	0.64
May 24	0.62
Apr 24	0.62
Apr 24	0.61
Apr 24	0.62
Apr 24	0.6
Apr 24	0.6
Mar 24	1.31
Mar 24	1.32
Mar 24	1.33
Mar 24	1.34
Mar 24	1.37
Feb 24	1.39
Feb 24	1.34
Feb 24	1.29
Jan 24	1.38

Price to Book

601860.SS Price to Book by year
Period	Price to Book
Sep 26	0.46
Sep 26	0.46
Sep 26	0.47
Aug 26	0.45
Aug 26	0.44
Aug 26	0.44
Aug 26	0.45
Jul 26	0.47
Jul 26	0.45
Jul 26	0.45
Jul 26	0.44
Jul 26	0.44
Jun 26	0.45
Jun 26	0.47
Jun 26	0.49
Jun 26	0.48
May 26	0.47
May 26	0.47
May 26	0.47
May 26	0.49
Apr 26	0.49
Apr 26	0.5
Apr 26	0.49
Apr 26	0.49
Apr 26	0.49
Mar 26	0.49
Mar 26	0.5
Mar 26	0.51
Mar 26	0.5
Feb 26	0.5
Feb 26	0.5
Feb 26	0.5
Jan 26	0.5
Jan 26	0.5
Jan 26	0.49
Jan 26	0.5
Dec 25	0.49
Dec 25	0.52
Dec 25	0.52
Dec 25	0.51
Dec 25	0.53
Nov 25	0.52
Nov 25	0.52
Nov 25	0.55
Nov 25	0.54
Oct 25	0.53
Oct 25	0.55
Oct 25	0.55
Oct 25	0.54
Sep 25	0.53
Sep 25	0.54
Sep 25	0.55
Sep 25	0.57
Sep 25	0.56
Aug 25	0.57
Aug 25	0.57
Aug 25	0.56
Aug 25	0.58
Aug 25	0.57
Jul 25	0.59
Jul 25	0.6
Jul 25	0.62
Jul 25	0.6
Jun 25	0.58
Jun 25	0.57
Jun 25	0.55
Jun 25	0.55
May 25	0.55
May 25	0.54
May 25	0.53
May 25	0.52
Apr 25	0.51
Apr 25	0.52
Apr 25	0.51
Apr 25	0.5
Apr 25	0.53
Mar 25	0.52
Mar 25	0.52
Mar 25	0.51
Mar 25	0.5
Feb 25	0.51
Feb 25	0.51
Feb 25	0.52
Feb 25	0.52
Jan 25	0.52
Jan 25	0.51
Jan 25	0.52
Jan 25	0.5
Jan 25	0.51
Dec 24	0.56
Dec 24	0.54
Dec 24	0.56
Dec 24	0.57
Nov 24	0.55
Nov 24	0.54
Nov 24	0.54
Nov 24	0.56
Nov 24	0.53
Oct 24	0.53
Oct 24	0.54

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AI Analysis

Jiangsu Zijin Rural Commercial Bank Co.,Ltd

Video analysis: 601860.SS

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