Shanghai Rural Commercial Bank Co Ltd (601825) fair value: what the stock is really worth
We calculate from audited financials what Shanghai Rural Commercial Bank Co Ltd is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? No
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Shanghai Rural Commercial Bank Co Ltd
601825 · SHGSpeculativeUpside exists, but weak quality makes the signal speculative.
What runs behind every stock
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 18, 2026.
How to read this chart
60‑month range ¥4.20 – ¥9.65 · fair‑value band ¥11.70 – ¥19.27 · the ¥8.75 price screens below the ¥12.96 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 18, 2026.
Company profile
Shanghai Rural Commercial Bank Co., Ltd. engages in commercial banking business in China. The company accepts public deposits; acts as agent for the issuance, redemption, and underwriting of government bonds; buying and selling government bonds and financial bonds.
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Shanghai Rural Commercial Bank Co., Ltd. engages in commercial banking business in China. The company accepts public deposits; acts as agent for the issuance, redemption, and underwriting of government bonds; buying and selling government bonds and financial bonds. It also provides short-term, medium-term, and long-term loans; handling domestic and foreign settlements; handling bill acceptance and discounting; interbank lending; bank card services; and foreign exchange deposits, foreign exchange loans, foreign exchange remittances, international settlements, interbank foreign exchange lending, credit investigation, consulting, and witnessing services. In addition, the company acts as agent for receiving and paying funds and insurance business; provides safe deposit box and financial leasing services; and engages in foreign exchange settlement and sales business, other businesses. The company was formerly known as Shanghai Rural Credit Co-operatives Union and changed its name to Shanghai Rural Commercial Bank Co., Ltd. in August 2005. Shanghai Rural Commercial Bank Co., Ltd. was incorporated in 2005 and is headquartered in Shanghai, China.
Stock analysis
Shanghai Rural Commercial Bank Co Ltd (601825) currently trades at ¥8.75, while our model-based Fair Value estimate is ¥12.96, implying the stock looks roughly 32.5% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of ¥16.60 per share, and 5 of the 6 models we run sit above the ¥8.75 price.
Bear case: the Dividend Discount group reads lowest at ¥8.67, and 1 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: ¥11.70 (bear) to ¥19.27 (bull), the price of ¥8.75 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 47/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
Shanghai Rural Commercial Bank Co Ltd reported revenue of 25.3B CNY in FY2025 versus 45.7B CNY in FY2021, a compound −13.7%/yr. Reported net income was 12.3B CNY in FY2025, compounding +6.2%/yr from FY2021.
Key figures
Market cap 84.4B CNY (≈ $12.6B) · P/E ratio 6.8 · P/S ratio 3.30 · EPS (TTM) ¥1.29 · Dividend yield 5.0% · Net margin 48.7% · Return on equity 9.6% · Return on assets (EBIT) 1.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 12% below its 52-week high and 9% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at 48%, 601825 screens cheaper than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 42 · Market factors (momentum, volatility) 61
Revenue & earnings trend
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Compare Shanghai Rural Commercial Bank Co Ltd with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1073 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: Chinese Stocks
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group DBS19 | 20.20 THB | 6.69 THB | −67% |
| China Merchants Bank Co 3968 | HK$51.35 | HK$78.59 | +53% |
| Intesa Sanpaolo S.p.A ISP | €6.74 | €4.04 | −40% |
| HDFC Bank Limited HDB | $23.16 | $15.60 | −33% |
| BNP Paribas SA BNP | €102.32 | €105.99 | +4% |
| UniCredit S.p.A UCG | €82.92 | €77.62 | −6% |
| Mizuho Financial Group MFG | $11.15 | $9.67 | −13% |
| ICICI Bank Limited ICICIBANK | ₹1,359 | ₹636.31 | −53% |
| The PNC Financial Services Group PNC | $231.49 | $159.52 | −31% |
| Oversea-Chinese Banking Corporation O39 | 31.28 SGD | 19.80 SGD | −37% |
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Frequently asked questions
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Key figures of Shanghai Rural Commercial Bank Co Ltd
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