Shanghai Rural Commercial Bank Co (SHSE:601825) Moat Score: 0/10 (As of Jul. 29, 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:601825 Shanghai Rural Commercial Bank Co Ltd SHSE:601825
51 GF Score
Price ¥8.37
GF Value ¥7.93
Valuation Fairly Valued
! 4 Warning Signs
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What is Shanghai Rural Commercial Bank Co Moat Score?

Shanghai Rural Commercial Bank Co has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Shanghai Rural Commercial Bank Co has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Shanghai Rural Commercial Bank Co might have No Moat - No discernible moat.

Shanghai Rural Commercial Bank Co  (SHSE:601825) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Shanghai Rural Commercial Bank Co Moat Score Related Terms

SHSE:601825
51GF Score
Shanghai Rural Commercial Bank Co Ltd SHSE:601825
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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 ¥8.37 is trading 5.5% above its estimated GF Value™ of ¥7.93. GuruFocus considers Shanghai Rural Commercial Bank Co to be Fairly Valued.

Key valuation signals for SHSE:601825:

  • Moat Score: 0
  • GF Value™: ¥7.93 vs. price of ¥8.37 (5.5% above fair value)
  • GF Score™: 51/100 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.
51GF Score

Get the complete analysis for SHSE:601825

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

¥8.37
Price
¥7.93
GF Value