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The historical rank and industry rank for Shanghai Rural Commercial Bank Co's Net Margin % or its related term are showing as below:
SHSE:601825'
s Net Margin % Range Over the Past 10 Years
Min: 36.63 Med: 41.68 Max: 48.67
Current: 48.58
SHSE:601825's Net Margin % is ranked better than 92.79% of 1526
companies
in the Banks industry
Industry Median: 27.05
vs SHSE:601825: 48.58
Shanghai Rural Commercial Bank Co (SHSE:601825) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Shanghai Rural Commercial Bank Co Net Margin % Related Terms
Shanghai Rural Commercial Bank Co Net Margin % Historical Data
* 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 Net Margin % Chart
Shanghai Rural Commercial Bank Co Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Shanghai Rural Commercial Bank Co's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Shanghai Rural Commercial Bank Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Shanghai Rural Commercial Bank Co's Net Margin % falls into.
* 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 (SHSE:601825) has a Net Margin % of 54.06% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Shanghai Rural Commercial Bank Co and its competitors. This is 30% above median its historical median of 41.68. Over the past decade, Shanghai Rural Commercial Bank Co's Net Margin % has ranged from 36.63 to 48.67. According to the industry distribution chart, Shanghai Rural Commercial Bank Co ranks #110 out of 1526 companies in the Banks industry, placing it in the top 7.2%.
Is Shanghai Rural Commercial Bank Co's Net Margin % too high?
Shanghai Rural Commercial Bank Co's current Net Margin % of 54.06% is 30% above median its 10-year median of 41.68. Over the past 10 years, this metric has ranged from a low of 36.63 to a high of 48.67. The Banks industry median Net Margin % is 27.05. Shanghai Rural Commercial Bank Co's value of 54.06% is 99.9% above this industry median. Based on the distribution chart, Shanghai Rural Commercial Bank Co ranks #110 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Shanghai Rural Commercial Bank Co has a GF Score™ of 51/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Shanghai Rural Commercial Bank Co's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Shanghai Rural Commercial Bank Co ranks #110 out of 1526 companies for Net Margin %. This places Shanghai Rural Commercial Bank Co in the top 7% of its industry — outperforming the majority of peers. The industry median Net Margin % is 27.05. Shanghai Rural Commercial Bank Co's value of 54.06% is 99.9% above this benchmark. Historically, Shanghai Rural Commercial Bank Co's own Net Margin % has ranged from 36.63 to 48.67 over the past decade. While the company's 10-year median is 41.68 vs. the industry median of 27.05, Shanghai Rural Commercial Bank Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.05, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Shanghai Rural Commercial Bank Co's current Net Margin % of 54.06% is 99.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Shanghai Rural Commercial Bank Co and its competitors. For the Banks industry, the median Net Margin % is 27.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Shanghai Rural Commercial Bank Co's current Net Margin % is 54.06%, which is 30% above median its own 10-year median of 41.68. 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 ¥7.93, compared to a current price of ¥8.34 — trading 5.2% above its estimated fair value. The current Net Margin % is 54.06%, which is 30% above median its 10-year median of 41.68 and 99.9% above the Banks industry median of 27.05. Shanghai Rural Commercial Bank Co's overall GF Score™ is 51/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Shanghai Rural Commercial Bank Co (SHSE:601825), the current Net Margin % is 54.06% 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 ¥8.34 is trading 5.2% 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:
Net Margin %: 54.06% (30% above median its 10-year median of 41.68)
GF Value™: ¥7.93 vs. price of ¥8.34 (5.2% above fair value)
Industry Position: 99.9% above the Banks median (#110 of 1526)
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
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
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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