Financials Jiangsu Jiangyin Rural Commercial Bank Co.,LTD.

Equities

002807

CNE100002BL6

Banks

End-of-day quote Shenzhen S.E. 06:00:00 2024-04-25 pm EDT 5-day change 1st Jan Change
3.85 CNY -1.53% Intraday chart for Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. -1.79% +8.45%

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 10,121 9,296 8,362 8,623 7,711 9,476 - -
Enterprise Value (EV) 1 10,121 9,296 8,362 8,623 7,711 9,476 9,476 9,476
P/E ratio 10.6 x - - 5.34 x 4.71 x 4.48 x 3.85 x 3.63 x
Yield - 4.21% 4.68% 4.53% 5.35% 4.81% 5.45% 6.1%
Capitalization / Revenue 2.97 x 2.77 x 2.48 x 2.28 x 2 x 2.37 x 2.22 x 2.16 x
EV / Revenue 2.97 x 2.77 x 2.48 x 2.28 x 2 x 2.37 x 2.22 x 2.16 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book - 0.77 x 0.64 x 0.6 x 0.49 x 0.54 x 0.47 x 0.44 x
Nbr of stocks (in thousands) 2,171,980 2,172,001 2,172,009 2,172,051 2,172,053 2,461,393 - -
Reference price 2 4.660 4.280 3.850 3.970 3.550 3.850 3.850 3.850
Announcement Date 3/30/20 1/20/21 1/18/22 1/17/23 3/29/24 - - -
1CNY in Million2CNY
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 3,404 3,351 3,367 3,780 3,865 3,995 4,262 4,386
EBITDA - - - - - - - -
EBIT 1 - 1,117 1,346 1,689 1,846 2,967 3,104 3,284
Operating Margin - 33.33% 39.98% 44.69% 47.77% 74.27% 72.84% 74.88%
Earnings before Tax (EBT) 1 - - - 1,675 2,075 2,310 2,522 2,750
Net income 1 - - - 1,616 1,888 2,126 2,379 2,609
Net margin - - - 42.75% 48.85% 53.21% 55.82% 59.48%
EPS 2 0.4396 - - 0.7440 0.7535 0.8600 1.000 1.060
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - 0.1800 0.1800 0.1800 0.1900 0.1850 0.2100 0.2350
Announcement Date 3/30/20 1/20/21 1/18/22 1/17/23 3/29/24 - - -
1CNY in Million2CNY
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) - 8.85% 10.5% 11.9% 12.6% 12.6% 12.6% 12.7%
ROA (Net income/ Total Assets) - - 0.86% 1% - 1.09% 1.1% 1.12%
Assets 1 - - - 161,606 - 195,000 216,788 233,611
Book Value Per Share 2 - 5.590 6.000 6.570 7.270 7.110 8.260 8.790
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 3/30/20 1/20/21 1/18/22 1/17/23 3/29/24 - - -
1CNY in Million2CNY
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
4
Last Close Price
3.85 CNY
Average target price
4.77 CNY
Spread / Average Target
+23.90%
Consensus

Annual profits - Rate of surprise

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