Shanghai Rural Commercial Bank Co (SHSE:601825) Cyclically Adjusted FCF per Share: ¥2.18 (As of Mar. 2026)

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SHSE:601825 Shanghai Rural Commercial Bank Co Ltd SHSE:601825
54 GF Score
Price ¥8.56
GF Value ¥7.94
Valuation Fairly Valued
! 4 Warning Signs
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What is Shanghai Rural Commercial Bank Co Cyclically Adjusted FCF per Share?

Shanghai Rural Commercial Bank Co SHSE:601825 -0.70% 54 Cyclically Adjusted FCF per Share is ¥2.18 as of Mar. 2026. GuruFocus rates SHSE:601825 with a GF Score™ of 54/100 and a GF Value™ of ¥7.94 (Fairly Valued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Shanghai Rural Commercial Bank Co's adjusted free cash flow per share for the three months ended in Mar. 2026 was ¥0.735. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is ¥2.18 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Shanghai Rural Commercial Bank Co's average Cyclically Adjusted FCF Growth Rate was -19.60% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 4.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Shanghai Rural Commercial Bank Co was 4.40% per year. The lowest was 4.40% per year. And the median was 4.40% per year.

As of today (2026-08-18), Shanghai Rural Commercial Bank Co's current stock price is ¥8.56. Shanghai Rural Commercial Bank Co's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was ¥2.18. Shanghai Rural Commercial Bank Co's Cyclically Adjusted Price-to-FCF of today is 3.93.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Shanghai Rural Commercial Bank Co was 11.65. The lowest was 2.58. And the median was 3.30.


Shanghai Rural Commercial Bank Co  (SHSE:601825) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Shanghai Rural Commercial Bank Co's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=8.56/2.18
=3.93

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Shanghai Rural Commercial Bank Co was 11.65. The lowest was 2.58. And the median was 3.30.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Shanghai Rural Commercial Bank Co Cyclically Adjusted FCF per Share Related Terms


Shanghai Rural Commercial Bank Co Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Shanghai Rural Commercial Bank Co's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Shanghai Rural Commercial Bank Co Cyclically Adjusted FCF per Share Chart

Shanghai Rural Commercial Bank Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.31 1.90 2.19 2.56 2.16

Shanghai Rural Commercial Bank Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.71 2.49 2.61 2.16 2.18

Shanghai Rural Commercial Bank Co Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, Shanghai Rural Commercial Bank Co's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Shanghai Rural Commercial Bank Co Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Shanghai Rural Commercial Bank Co's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Shanghai Rural Commercial Bank Co's Cyclically Adjusted Price-to-FCF falls into.


SHSE:601825
54GF Score
Shanghai Rural Commercial Bank Co Ltd SHSE:601825
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Shanghai Rural Commercial Bank Co Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Shanghai Rural Commercial Bank Co's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.735/116.3033*116.3033
=0.735

Current CPI (Mar. 2026) = 116.3033.

Shanghai Rural Commercial Bank Co Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.000 101.400 0.000
201609 0.000 102.400 0.000
201612 0.000 102.600 0.000
201703 3.000 103.200 3.381
201706 1.603 103.100 1.808
201709 -3.061 104.100 -3.420
201712 -1.311 104.500 -1.459
201803 -1.004 105.300 -1.109
201806 -1.175 104.900 -1.303
201809 -0.240 106.600 -0.262
201812 1.662 106.500 1.815
201903 -0.080 107.700 -0.086
201906 1.538 107.700 1.661
201909 -0.087 109.800 -0.092
201912 -0.694 111.200 -0.726
202003 -1.737 112.300 -1.799
202006 3.026 110.400 3.188
202009 -1.805 111.700 -1.879
202012 -1.189 111.500 -1.240
202103 -0.204 112.662 -0.211
202106 1.473 111.769 1.533
202109 0.194 112.215 0.201
202112 -1.553 113.108 -1.597
202203 4.543 114.335 4.621
202206 0.887 114.558 0.901
202209 0.586 115.339 0.591
202212 6.921 115.116 6.992
202303 -0.177 115.116 -0.179
202306 2.375 114.558 2.411
202309 0.267 115.339 0.269
202312 1.519 114.781 1.539
202403 3.046 115.227 3.074
202406 0.273 114.781 0.277
202409 -0.178 115.785 -0.179
202412 2.013 114.893 2.038
202503 1.821 115.116 1.840
202506 -1.161 114.907 -1.175
202509 1.523 115.471 1.534
202512 -3.469 115.832 -3.483
202603 0.735 116.303 0.735

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of ¥2.18 mean?
Shanghai Rural Commercial Bank Co (SHSE:601825) has a Cyclically Adjusted FCF per Share of ¥2.18 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Shanghai Rural Commercial Bank Co and its competitors.
Is Shanghai Rural Commercial Bank Co's Cyclically Adjusted FCF per Share too high?
Shanghai Rural Commercial Bank Co's current Cyclically Adjusted FCF per Share is ¥2.18. Overall, Shanghai Rural Commercial Bank Co has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Shanghai Rural Commercial Bank Co's Cyclically Adjusted FCF per Share compare to competitors?
Shanghai Rural Commercial Bank Co's Cyclically Adjusted FCF per Share of ¥2.18 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Shanghai Rural Commercial Bank Co and its competitors. Shanghai Rural Commercial Bank Co's current Cyclically Adjusted FCF per Share is ¥2.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shanghai Rural Commercial Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Shanghai Rural Commercial Bank Co (SHSE:601825) is currently considered Fairly Valued. The stock's GF Value™ is ¥7.94, compared to a current price of ¥8.56 — trading 7.8% above its estimated fair value. The current Cyclically Adjusted FCF per Share is ¥2.18. Shanghai Rural Commercial Bank Co's overall GF Score™ is 54/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Shanghai Rural Commercial Bank Co (SHSE:601825), the current Cyclically Adjusted FCF per Share is ¥2.18 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Shanghai Rural Commercial Bank Co (SHSE:601825) Overvalued in 2026?

Based on GuruFocus' analysis, Shanghai Rural Commercial Bank Co stock appears to be overvalued. The current stock price of ¥8.56 is trading 7.8% above its estimated GF Value™ of ¥7.94. GuruFocus considers Shanghai Rural Commercial Bank Co to be Fairly Valued.

Key valuation signals for SHSE:601825:

  • Cyclically Adjusted FCF per Share: ¥2.18
  • GF Value™: ¥7.94 vs. price of ¥8.56 (7.8% above fair value)
  • GF Score™: 54/100 with 4 warning signs

No single metric tells the full story. See the SHSE:601825 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Shanghai Rural Commercial Bank Co Business Description

Address No. 70, Zhongshan East 2nd Road, Huangpu District, Shanghai, CHN, 200002
Shanghai Rural Commercial Bank Co Ltd is engaged in the corporate banking, personal banking, and financial market business. The Corporate Banking Business segment serves corporate clients by offering deposits, lending, investment banking, settlement and cash management, bill services, and trade finance solutions. The Personal Banking Business segment caters to individual customers, providing services such as personal deposits, personal loans, bank card operations, settlement, agency services, and various other offerings. The Financial Market Business segment covers activities including money market dealings, repurchase agreements, bond investments, interest rate and precious metals derivatives transactions, and wealth management services.
54GF Score

Get the complete analysis for SHSE:601825

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

¥8.56
Price
¥7.94
GF Value