Jiangsu Zijin Rural Commercial Bank Co (SHSE:601860) Cyclically Adjusted FCF per Share: ¥1.01 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

SHSE:601860 Jiangsu Zijin Rural Commercial Bank Co Ltd SHSE:601860
57 GF Score
Price ¥2.64
GF Value ¥2.40
Valuation Fairly Valued
! 6 Warning Signs
View Full Analysis

What is Jiangsu Zijin Rural Commercial Bank Co Cyclically Adjusted FCF per Share?

Jiangsu Zijin Rural Commercial Bank Co SHSE:601860 57 Cyclically Adjusted FCF per Share is ¥1.01 as of Jun. 2026. GuruFocus rates SHSE:601860 with a GF Score™ of 57/100 and a GF Value™ of ¥2.40 (Fairly Valued). The stock has 6 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.

Jiangsu Zijin Rural Commercial Bank Co's adjusted free cash flow per share for the three months ended in Jun. 2026 was ¥-1.174. 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 ¥1.01 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Jiangsu Zijin Rural Commercial Bank Co's average Cyclically Adjusted FCF Growth Rate was 34.70% 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.

As of today (2026-09-06), Jiangsu Zijin Rural Commercial Bank Co's current stock price is ¥2.64. Jiangsu Zijin Rural Commercial Bank Co's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was ¥1.01. Jiangsu Zijin Rural Commercial Bank Co's Cyclically Adjusted Price-to-FCF of today is 2.61.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Jiangsu Zijin Rural Commercial Bank Co was 4.29. The lowest was 1.88. And the median was 2.72.


Jiangsu Zijin Rural Commercial Bank Co  (SHSE:601860) 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.

Jiangsu Zijin 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
=2.64/1.01
=2.61

* 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 Jiangsu Zijin Rural Commercial Bank Co was 4.29. The lowest was 1.88. And the median was 2.72.


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.


Jiangsu Zijin Rural Commercial Bank Co Cyclically Adjusted FCF per Share Related Terms


Jiangsu Zijin Rural Commercial Bank Co Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Jiangsu Zijin 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.

Jiangsu Zijin Rural Commercial Bank Co Cyclically Adjusted FCF per Share Chart

Jiangsu Zijin 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 0.00 0.00 0.76 0.75 1.25

Jiangsu Zijin Rural Commercial Bank Co Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 0.75 1.45 1.25 0.91 1.01

Jiangsu Zijin Rural Commercial Bank Co Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, Jiangsu Zijin 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.


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

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

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


SHSE:601860
57GF Score
Jiangsu Zijin Rural Commercial Bank Co Ltd SHSE:601860
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Jiangsu Zijin 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, Jiangsu Zijin Rural Commercial Bank Co's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=-1.174/116.0564*116.0564
=-1.174

Current CPI (Jun. 2026) = 116.0564.

Jiangsu Zijin Rural Commercial Bank Co Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 0.000 102.400 0.000
201612 0.000 102.600 0.000
201703 0.000 103.200 0.000
201706 0.000 103.100 0.000
201709 0.000 104.100 0.000
201712 0.000 104.500 0.000
201803 4.188 105.300 4.616
201806 -2.783 104.900 -3.079
201809 0.857 106.600 0.933
201812 -1.031 106.500 -1.124
201903 2.408 107.700 2.595
201906 -0.195 107.700 -0.210
201909 1.918 109.800 2.027
201912 -1.387 111.200 -1.448
202003 1.547 112.300 1.599
202006 -0.188 110.400 -0.198
202009 1.472 111.700 1.529
202012 0.552 111.500 0.575
202103 -0.091 112.662 -0.094
202106 -1.835 111.769 -1.905
202109 -3.147 112.215 -3.255
202112 -0.896 113.108 -0.919
202203 4.235 114.335 4.299
202206 -0.681 114.558 -0.690
202209 -2.583 115.339 -2.599
202212 0.607 115.116 0.612
202303 5.279 115.116 5.322
202306 -2.096 114.558 -2.123
202309 -1.181 115.339 -1.188
202312 -0.014 114.781 -0.014
202403 3.063 115.227 3.085
202406 0.268 114.781 0.271
202409 -1.260 115.785 -1.263
202412 -1.427 114.893 -1.441
202503 2.505 115.116 2.525
202506 -2.078 114.907 -2.099
202509 5.960 115.471 5.990
202512 -1.425 115.832 -1.428
202603 -1.135 116.303 -1.133
202606 -1.174 116.056 -1.174

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 ¥1.01 mean?
Jiangsu Zijin Rural Commercial Bank Co (SHSE:601860) has a Cyclically Adjusted FCF per Share of ¥1.01 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Jiangsu Zijin Rural Commercial Bank Co and its competitors.
Is Jiangsu Zijin Rural Commercial Bank Co's Cyclically Adjusted FCF per Share too high?
Jiangsu Zijin Rural Commercial Bank Co's current Cyclically Adjusted FCF per Share is ¥1.01. Overall, Jiangsu Zijin Rural Commercial Bank Co has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jiangsu Zijin Rural Commercial Bank Co's Cyclically Adjusted FCF per Share compare to competitors?
Jiangsu Zijin Rural Commercial Bank Co's Cyclically Adjusted FCF per Share of ¥1.01 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 Jiangsu Zijin Rural Commercial Bank Co and its competitors. Jiangsu Zijin Rural Commercial Bank Co's current Cyclically Adjusted FCF per Share is ¥1.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jiangsu Zijin Rural Commercial Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Jiangsu Zijin Rural Commercial Bank Co (SHSE:601860) is currently considered Fairly Valued. The stock's GF Value™ is ¥2.40, compared to a current price of ¥2.64 — trading 10% above its estimated fair value. The current Cyclically Adjusted FCF per Share is ¥1.01. Jiangsu Zijin Rural Commercial Bank Co's overall GF Score™ is 57/100 with 6 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 Jiangsu Zijin Rural Commercial Bank Co (SHSE:601860), the current Cyclically Adjusted FCF per Share is ¥1.01 as of Jun. 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 Jiangsu Zijin Rural Commercial Bank Co (SHSE:601860) Overvalued in 2026?

Based on GuruFocus' analysis, Jiangsu Zijin Rural Commercial Bank Co stock appears to be overvalued. The current stock price of ¥2.64 is trading 10% above its estimated GF Value™ of ¥2.40. GuruFocus considers Jiangsu Zijin Rural Commercial Bank Co to be Fairly Valued.

Key valuation signals for SHSE:601860:

  • Cyclically Adjusted FCF per Share: ¥1.01
  • GF Value™: ¥2.40 vs. price of ¥2.64 (10% above fair value)
  • GF Score™: 57/100 with 6 warning signs

No single metric tells the full story. See the SHSE:601860 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Jiangsu Zijin Rural Commercial Bank Co Business Description

Address No. 381, Jiangdong Middle Road, Jianye District, Jiangsu Province, Nanjing, CHN, 210019
Jiangsu Zijin Rural Commercial Bank Co Ltd is engaged in Corporate finance, personal finance, treasury operations and others.
57GF Score

Get the complete analysis for SHSE:601860

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

¥2.64
Price
¥2.40
GF Value